KR20130070510A - System and method for payment using portable terminal, and storage medium recording program for implementing method thereof - Google Patents

System and method for payment using portable terminal, and storage medium recording program for implementing method thereof Download PDF

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Publication number
KR20130070510A
KR20130070510A KR1020120117168A KR20120117168A KR20130070510A KR 20130070510 A KR20130070510 A KR 20130070510A KR 1020120117168 A KR1020120117168 A KR 1020120117168A KR 20120117168 A KR20120117168 A KR 20120117168A KR 20130070510 A KR20130070510 A KR 20130070510A
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South Korea
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merchant
payment
portable terminal
user
information
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KR1020120117168A
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Korean (ko)
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박경양
정훈준
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주식회사 하렉스인포텍
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The payment system using the portable terminal of the present invention acquires the merchant information from the merchant display by the user portable terminal and inputs the payment amount for the goods purchased by the user at the merchant or the service provided by the merchant, And the bonus information of at least one bonus information among the discount information and the membership point information for each merchant code, the settlement condition being analyzed so that a minimum settlement amount is generated among the settlement amount generated by the mobile card and the coupon information, And the analyzed payment conditions are transmitted to the user's portable terminal so that payment can be made.
According to the present invention, when a user possesses only a portable terminal without requiring a separate settlement infrastructure, it is possible to make payment for services provided at an merchant's shop or an affiliated store at any time and anywhere, Even when the goods are delivered to the place, it is possible to make a simple settlement at the same time. In addition, when a user makes a payment using a portable terminal, payment can be made under a minimum settlement condition.

Description

TECHNICAL FIELD The present invention relates to a payment system and a payment method using a portable terminal, a storage medium on which a program for executing the method is recorded,

The present invention relates to a payment system and a payment method using a portable terminal, and a storage medium on which a program for executing the method is recorded. More particularly, the present invention relates to a payment system and a payment method using a portable terminal, System, a method thereof, and a storage medium on which a program for executing the method is recorded.

Conventional card payment is obtained by acquiring the card number of the buyer by connecting to the point of sale (POS) of the merchant's shop or by using an approval inquiry device (hereinafter referred to as the merchant terminal) of a card (card of various payment means such as a card, a prepaid card and a debit card) And requests authorization from the financial service provider server via the VAN company together with the merchant information and payment amount. Such a conventional card settlement apparatus is shown in FIG. 1 below.

1 is a block diagram of a card settlement system based on a merchant through a conventional merchant terminal and a VAN company.

When the credit card purchaser 10 purchases credit at the designated credit card company 10, the credit card company terminal 20 accesses the credit card company server through the network of the VAN company, receives credit card payment approval, and completes the transaction.

The card user (10) has an ordinary franchise terminal (20) carrying a card issued by a financial institution, and the franchisee connects to a specific VAN company and transmits payment information. The VAN company's relay system 30 and the transaction authorization system 40 of the VAN company are connected to the exclusive network 30 through a network As shown in FIG.

In the case of using the online payment method through the Internet shopping mall instead of the merchant, the role of the VAN company is performed by the payment gateway (payment gateway).

The VAN company relays the purchase information requested to be approved (or canceled) to the merchant and the corresponding financial institution through the merchant terminal 20. The PG receives commission from a company that conducts commercial transactions on the Internet, It charges the payment settlement company such as the electronic payment company and receives the payment and settle the settlement to the entrusted company.

When the card user 10 makes a purchase request while presenting his / her card to the merchant in order to pay for the merchandise, the merchant uses the merchant terminal 20 to request approval from the financial provider. At this time, the merchant terminal 20 sends the information of the card user 10 stored in the card of the card user 10, the product order information generated by the merchant terminal 20, the payment amount, and the information of the merchant to the VAN company . The VAN company receives this information through the VAN relay system 30.

The VAN company's relay system 30 that has received the payment approval request data reads out the financial institution information recorded in the card user information in the payment approval request data to request the approval and the transaction approval system 40 of the financial institution And transmits data related to the request.

The transaction approval system 40 of the financial institution that receives the data related to the transaction approval request stores the user information, the product order information, the payment amount, and the merchant information included in the data related to the approval request with its membership data or merchant data And confirms whether the transaction generated between the card user 10 and the merchant is valid.

The transaction approval system 40 of the financial institution transmits the transaction approval result for the transaction approval request to the relay system 30 of the VAN company relaying the payment approval request and the relay system 30 of the VAN company stores the approval number data To the corresponding merchant terminal (20).

Based on the transmitted approval data, the merchant terminal 20 prints the payment result on the card statement and notifies the card user 10 of the payment result.

As described above, when the card user 10 provides the card number, the expiration date, the financial institution, etc. necessary for the card payment approval to the franchisee terminal 20, And the payment is made based on the approved result.

However, such a payment method has a problem that a separate infrastructure such as a credit application terminal (CAT) or a point-of-sale (POS) should be established for a business that requires payment.

Korean Patent Laid-Open Publication No. 2001-0044684

The present invention provides a system and method for making payment for a service purchased from an affiliated store or a merchant when a user possesses only a portable terminal without requiring a separate payment infrastructure, and a storage medium on which a program for executing the payment is provided .

In addition, the present invention provides a system and method capable of simultaneous and easy settlement even in the case of delivering an article to a plurality of places far from an affiliated store, and a storage medium on which a program for executing the same is recorded.

In addition, the present invention provides a payment system and a payment method using a portable terminal, and a storage medium on which a program for executing the method is recorded, in which payment can be made with a minimum settlement condition when a payment is made using the portable terminal.

One aspect of the present invention provides a mobile terminal comprising: a user portable terminal for acquiring merchant information from an affiliate store display and receiving a payment amount for an article purchased from a merchant by a user or a service provided by the merchant; And at least one of discount information and membership point information for each merchant code and a mobile card to be used for settlement according to the terminal identification number of the user portable terminal as bonus information and receives settlement request information from the user portable terminal Analyzing the settlement conditions so that a minimum settlement amount is generated among the settlement amounts generated using at least one of the bonus information, and transmitting the analyzed settlement conditions to the user portable terminal to settle the settlement, Wherein the service provider server authenticates a user code of the user portable terminal for payment of a mobile card stored therein and transmits the user code to the user portable terminal, Approve Requesting the raised service provider's server, and provides a payment system using a mobile terminal.

According to another aspect of the present invention, there is provided a mobile terminal comprising: a user portable terminal for acquiring merchant information from an affiliate store display, receiving a purchase amount of an article purchased from a merchant by a user or a service provided by the merchant; And at least one of discount information and membership point information for each merchant code and a mobile card to be used for settlement according to the terminal identification number of the user portable terminal as bonus information and receives settlement request information from the user portable terminal Analyzing the settlement conditions so that a minimum settlement amount is generated among the settlement amounts generated using at least one of the bonus information, and transmitting the analyzed settlement conditions to the user portable terminal to settle the settlement, Wherein the service provider server authenticates a user code of the user portable terminal for payment of a mobile card stored therein and transmits the user code to the user portable terminal, Approve A request to a server-based service providers, providing a payment system using a portable terminal.

An embodiment of the present invention is characterized in that the merchant mark is a printed matter or an electronic tag that is any one of a QR (Quick Response) code, a barcode, a RF tag, or NFC And the QR code or the bar code is displayed on the screen of the user portable terminal.

Another embodiment of the present invention provides the settlement system using the portable terminal, wherein the settlement request information is a mutual merchant mutual (or merchant's main name), the number of the user portable terminal, and the payment amount.

In another embodiment of the present invention, the financial service provider server is a payment service server, and the payment service server is any one of a credit finance company server, a bank server, an electronic mortgage server, a prepaid provider server, A payment system using a portable terminal, which is a server, is provided.

In another embodiment of the present invention, the merchant's mutual (or merchant's main name) and the number of the user's portable terminal are displayed on the screen of the user's portable terminal through execution of a payment request application program in the user's portable terminal, A payment system using a terminal is provided.

Yet another embodiment of the present invention provides a payment system using a portable terminal, wherein the merchant mutual is extracted after parsing the merchant code and displayed on the screen of the user portable terminal.

Another embodiment of the present invention provides a payment system using a portable terminal, wherein the payment amount is displayed on a screen of the user portable terminal through user input.

Yet another embodiment of the present invention provides a payment system using a portable terminal, wherein the payment amount is displayed on the screen of the user portable terminal through keyboard input or voice input of the user.

Another embodiment of the present invention provides a payment system using a portable terminal, wherein the user portable terminal receives an input of pin number or bio information, and requests the financial institution server to approve payment of the mobile card.

In another embodiment of the present invention, there is further provided a merchant mobile terminal, wherein the service provider server receives approval completion information on payment of the mobile card from the financial carrier server and transmits a message to the merchant mobile terminal And the merchant's main portable terminal accesses the service provider server by referring to the approval and settlement details of the settlement of the mobile card.

In another embodiment of the present invention, the merchant's primary mobile terminal requests the service provider server to cancel the payment of the mobile card, and the service provider server completes the cancellation of the payment of the mobile card. A payment system using a terminal is provided.

In another embodiment of the present invention, the merchant's main portable terminal requests the service provider server to deposit the refund amount for the payment of the mobile card, and the service provider server transmits the refund amount for the payment of the mobile card to the user And a payment system using a portable terminal to deposit money in a financial account.

Another embodiment of the present invention is a method for registering an affiliated store in a service provider server, receiving registration application data of the affiliated store from an affiliated store, registering the affiliated store in the service provider server, receiving a merchant code from the service provider server, And further comprising a server.

Yet another embodiment of the present invention provides a payment system using a portable terminal, wherein the registration application data of the merchant is a merchant's principal name, a merchant's main phone number, and a financial account number for depositing a sales account.

According to another embodiment of the present invention, the service provider server comprises: a POS (Point of Sale) server for receiving the payment request information from the user portable terminal; A payment gateway (PG) server for receiving the payment request information from the POS server; And a payment server for receiving the payment request information from the PG server and authenticating the user code and transmitting the user code to the user portable terminal.

Yet another embodiment of the present invention provides a payment system using a portable terminal, wherein the merchant mark is attached to a specific location of the merchant, or attached to the merchant's main mobile terminal.

Another embodiment of the present invention provides a payment system using a portable terminal, wherein the user portable terminal has a plurality of user terminals and the service provider server receives payment request information from the plurality of user portable terminals.

Yet another embodiment of the present invention provides a payment system using a mobile terminal, wherein the merchant information includes a merchant code.

Yet another embodiment of the present invention provides a payment system using a portable terminal, wherein the merchant information further includes URL (Uniform Resource Locator) information of the service provider server.

In another aspect of the present invention, in the service provider server, at least one of discount information and membership point information is stored as bonus information by mobile card, coupon information, and merchant point code to be used for payment for each terminal identification number of the user portable terminal A first step; A second step of acquiring merchant information from a merchant mark in the user portable terminal; A third step of receiving, in the user portable terminal, a payment amount for an article purchased by the user at the merchant or a service provided by the merchant; And receiving, at the service provider server, payment request information from the user portable terminal; A fifth step of analyzing a settlement condition in the service provider server so that a minimum settlement amount of the settlement amount generated using at least one of the bonus information is generated; A sixth step of transmitting, by the service provider server, the analyzed payment conditions to the user portable terminal to make payment; A seventh step of authenticating a user code of the user portable terminal for payment of a mobile card stored in the service provider server and transmitting the user code to the user portable terminal; And requesting the financial institution server to approve the settlement of the mobile card in the user portable terminal. According to another aspect of the present invention, there is provided a payment method using a portable terminal.

In another aspect of the present invention, in the service provider server, at least one of discount information and membership point information is stored as bonus information by mobile card, coupon information, and merchant point code to be used for payment for each terminal identification number of the user portable terminal A first step; A second step of acquiring merchant information from a merchant mark in the user portable terminal; A third step of receiving, in the user portable terminal, a payment amount for an article purchased by the user at the merchant or a service provided by the merchant; And receiving, at the service provider server, payment request information from the user portable terminal; The service provider server analyzes the settlement condition so that a minimum settlement amount of the settlement amount generated using at least one of the bonus information is generated and transmits the analyzed settlement condition to the user portable terminal ; A sixth step of authenticating a user code of the user portable terminal for payment of a mobile card stored in the service provider server and transmitting the user code to the user portable terminal; And a seventh step of requesting the service provider server to approve payment of the mobile card in the user portable terminal.

In an embodiment of the present invention, the second step is a step of receiving, from a printed matter or an electronic tag, one of a QR (Quick Response) code, a barcode, an RF tag, And the QR code or the bar code is displayed on the screen of the user portable terminal when acquiring the merchant information from the QR code or the printed matter or the electronic tag as the bar code do.

In another embodiment of the present invention, the settlement request information in the fourth step provides a settlement method using the portable terminal, which is the merchant's mutual (or merchant's main name), the number of the user's portable terminal, and the payment amount .

In another embodiment of the present invention, the eighth step is a step in which the user portable terminal requests the payment service server to approve payment of the mobile card, and the payment service server includes a credit financial service provider server, , An electronic mortgage server, a prepaid provider server, or a point provider server.

In another embodiment of the present invention, the merchant's mutual (or merchant's main name) and the number of the user's portable terminal are displayed on the screen of the user's portable terminal through execution of a payment request application program in the user's portable terminal, And provides a payment method using the terminal.

Another embodiment of the present invention provides a payment method using a mobile terminal, wherein the merchant mutual is extracted after parsing the merchant code and displayed on the screen of the user portable terminal.

Another embodiment of the present invention provides a payment method using a portable terminal, wherein the payment amount of the third step is displayed on a screen of the user portable terminal through a user input.

Another embodiment of the present invention provides a payment method using a portable terminal, wherein the payment amount is displayed on the screen of the user portable terminal through keyboard input or voice input of the user.

In a further embodiment of the present invention, the eighth step is a step of receiving a PIN number or bio information from the user portable terminal and requesting the financial institution server to approve payment of the mobile card, Provide payment method.

According to another embodiment of the present invention, there is provided a method for charging a mobile terminal, comprising the steps of: receiving, at the service provider server, approval completion information on settlement of the mobile card from the financial institution server and transmitting the approval completion information to the mobile terminal; And accessing the service provider server from the service provider server to inquire about approval and settlement of settlement of payment of the mobile card in the merchant main portable terminal.

In another embodiment of the present invention, in the merchant's primary mobile terminal, requesting the service provider server to cancel the settlement of the mobile card; And completing, at the service provider server, cancellation of payment of the mobile card.

In another embodiment of the present invention, in the merchant's primary mobile terminal, requesting the service provider server to deposit a refund amount for payment of the mobile card; And depositing, in the service provider server, the refund amount for the payment of the mobile card to the financial account of the user.

According to yet another embodiment of the present invention, there is provided a method for registering a merchant in a merchant registration server, the merchant registering server receiving registration application data of the merchant from a merchant store, And issuing a merchant store indication in the merchant registration server, the merchant store being provided with the merchant code from the service provider server.

In another embodiment of the present invention, in the step of registering the merchant, the merchant store registration application data provides a payment method using the portable terminal, which is the merchant's main name, the merchant's main phone number, and the financial account number for depositing the sales proceeds .

In still another embodiment of the present invention, the seventh step includes: receiving the payment request information from the user portable terminal at a point of sale (POS) server; Receiving, at a payment gateway (PG) server, the payment request information from the POS server; And receiving, at the payment server, the payment request information from the PG server, and authenticating the user code and transmitting the user code to the user portable terminal.

Another embodiment of the present invention provides the payment method using the portable terminal, wherein the merchant point display of the second step is attached to a specific location of the merchant shop or attached to the merchant's main portable terminal.

In yet another embodiment of the present invention, the fourth step provides a settlement method using a portable terminal for receiving settlement request information from a plurality of user portable terminals at the service provider server.

Yet another embodiment of the present invention provides a payment method using a mobile terminal, wherein the merchant information includes a merchant code.

Yet another embodiment of the present invention provides a payment method using a portable terminal, wherein the merchant information further includes URL (Uniform Resource Locator) information of the service provider server.

Yet another aspect of the present invention provides a storage medium on which a program for executing the above-described method is recorded.

According to the present invention, when a user possesses only a portable terminal without requiring a separate settlement infrastructure, it is possible to make payments for goods purchased at an affiliated store or services provided at an affiliated store, anytime and anywhere.

Further, according to the present invention, even when the article is delivered to a plurality of places far from the franchisee, simultaneous and easy settlement is possible.

In addition, according to the present invention, when payment is made using a portable terminal, payment can be made with a minimum settlement condition.

1 is a block diagram of a card settlement system based on a merchant through a conventional merchant terminal and a VAN company.
2 is a block diagram illustrating a payment system using a portable terminal according to an embodiment of the present invention.
3 is a flowchart illustrating a merchant registration process in a payment method using a portable terminal according to an exemplary embodiment of the present invention.
4 is a flowchart illustrating a settlement process in a payment method using a portable terminal according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating a settlement process in a service provider server in a settlement method using a portable terminal according to an embodiment of the present invention.
6 is a flowchart illustrating a card payment cancellation process in a payment method using a portable terminal according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a refund payment process for card payment in a payment method using a portable terminal according to an embodiment of the present invention.
8 is a schematic diagram of an initial screen when an application program is executed according to an embodiment of the present invention.
9 is a schematic view of a card issuing screen according to an embodiment of the present invention.
10 is a schematic diagram of an inquiry screen according to an embodiment of the present invention.
11 is a schematic diagram of a membership screen according to an embodiment of the present invention.
12 is a screen for inputting a payment amount of a user portable terminal in a billing system using a portable terminal according to an embodiment of the present invention.
13 is a payment screen of a user portable terminal in a billing system using a portable terminal according to an embodiment of the present invention.
FIG. 14 is a screen for confirming payment of a user portable terminal in a billing system using a portable terminal according to an embodiment of the present invention.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. However, the embodiments of the present invention may be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. The shape and the size of the elements in the drawings may be exaggerated for clarity and the same elements are denoted by the same reference numerals in the drawings.

The terms used below are defined as follows.

"Transaction ID (TID)" is a transaction ID, and is a unique transaction number generated when a payment is requested by a mobile terminal such as a smart phone or a merchant terminal. Usually, the transaction number is 40 digits. Tracking or inquiry, and information used when canceling a transaction.

The "merchant code" is a code made up of alphabets, numbers, or a combination thereof assigned to all the merchants registered in the service provider server. The service provider server identifies the merchant using the merchant code and, when the transaction occurs, (TID) and store the requested transaction data.

The "terminal identification number" is collectively referred to as an identification number of a portable terminal such as a smart phone, and both a unique identification number that can be identified for each portable terminal and a personal identification ID used for authentication of the portable terminal are all available.

The "bonus information" refers to at least one piece of supplementary information used at the time of payment, that is, coupon information for each terminal identification number or discount information and membership point information for each merchant code.

2 is a block diagram illustrating a payment system using a portable terminal according to an embodiment of the present invention. 2, the payment system using the portable terminal 100 includes a user portable terminal 100, a service provider server 200, a financial provider server 300, an affiliate shop main portable terminal 400 and an affiliate shop registration server 500). Here, the service provider server 200, the merchant's mobile terminal 400, and the merchant's registration server 500 can configure a merchant's registration system.

The user portable terminal 100 acquires the merchant information (merchant code and URL (Uniform Resource Locator) information of the service provider server 200) from the merchant mark such as the merchant's seal, The payer) receives the payment amount for the goods purchased from the merchant or the service provided by the merchant. Here, the merchant mark is a printed matter or an electronic tag that is one of a QR (Quick Response) code, a barcode, an RF tag, or NFC (Near Field Communication) (100). Further, the merchant mark may be attached to a specific location of the merchant, or may be attached to the merchant mobile terminal 100. When the merchant mark is affixed to the merchant's main mobile terminal 100, the merchant can easily settle the merchandise when the merchant delivers the merchandise to a location far from the merchant's shop. Even when the merchant mark is attached to the mobile terminal 100 of a plurality of merchant employees instead of the merchant mobile terminal 100, it is possible to easily and simultaneously settle the merchandise merchant when the merchant delivers the merchandise to various places .

In order to acquire the merchant information from the user portable terminal 100, an application program such as UBPay App. You need to subscribe to the service. The UBPay App. To install the program, visit the App Store (App Store) or Market and download the UBPay App. You have to download and install the program. Once you install the program, you can install the UBPay App anytime and anywhere. The program can be executed and driven.

In addition, the user portable terminal 100 receives the input of a PIN number or bio information, and requests the financial institution server 300 to approve payment of the mobile card. The input of the bio information may be fingerprint input, for example.

Meanwhile, the user portable terminal 100 may be implemented in various forms. For example, the user portable terminal 100 may be a cellular phone, a smart phone, a notebook computer, a digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) A terminal, a template PC, and the like.

The service provider server 200 stores at least one of discount information and membership point information as bonus information by mobile card and coupon information to be used for settlement according to the terminal identification number of the user portable terminal 100 and discount information and membership point information for each merchant code, When receiving the settlement request information from the terminal 100, analyzes the settlement condition so that the minimum settlement amount among the settlement amounts generated using at least one of the bonus information is generated, and transmits the analyzed settlement conditions to the user portable terminal 100 ) So that settlement can be made. In particular, the user portable terminal 100 receives the payment selection information from the user and selects at least one information according to the payment selection information, so that the minimum payment amount is generated in consideration of only the payment means the user wants to use at the time of payment You can also analyze the payment terms.

The service provider server 200 authenticates the user code of the user portable terminal 100 and transmits the user code to the user portable terminal 100 for settlement of the mobile card stored therein. The payment request information is the mutual merchant name (or the name of the merchant's main name), the number of the user portable terminal 100, and the payment amount. Here, the numbers of the merchant's mutual (or merchant's master name) and the user's mobile terminal 100 are displayed on the screen of the user's mobile terminal 100 through execution of the payment request application program in the user's mobile terminal 100, Is extracted after parsing of the merchant code and displayed on the screen of the user terminal 100. In particular, the number of the user portable terminal 100 is displayed on the screen of the user portable terminal 100 by executing the application program of the mobile phone number in the user portable terminal 100. The payment amount is displayed on the screen of the user portable terminal 100 through a user input such as a keyboard input or a voice lunar power.

When there are a plurality of user portable terminals 100, the service provider server 200 can receive payment request information from the plurality of user portable terminals 100. [ In this way, even when the goods are delivered to various places far from the merchant, simultaneous and easy settlement is possible.

The service provider server 200 forms a unique network by borrowing a communication line from a public telecommunication carrier through a value added communication network, and can be implemented as a VAN (Value Added Network) server. The service provider server 200 performs high value-added services, not simply communication, such as exchanging various information with code, video, voice, etc., or accumulating information or transmitting a plurality of information through a proprietary network. ) Server 210, a PG (Payment Gateway) server 220, and a payment server 230. [

The POS server 210 receives the settlement request information from the user portable terminal 100. The POS server 210 is a system for managing product data by connecting an electronic cash register and a reconnaissance reading device of a merchant to a computer. The POS server 210 collects data related to a product name, a price, and the like at the time of sales, and manages the collected data. Web-based POS, which has emerged as a result of the development of the Internet, extends beyond the limit of counters to the user's home or office. In addition to sales management, various functions such as profit and loss management, inventory management, customer management, .

The PG server 220 receives the settlement request information from the POS server 210. PG, which operates the PG server (220), contracts with a financial institution on behalf of a small shopping mall where it is difficult to conclude a merchant contract with a financial institution, and receives a commission from a lower shopping mall after performing credit card settlement and payment.

The payment server 230 receives the payment request information from the PG server 220, authenticates the user code, and transmits the user code to the user portable terminal 100.

With respect to the payment approval of the mobile card, after the user code is authenticated, the user portable terminal 100 requests the financial institution server 300 to approve the settlement of the mobile card.

The financial institution server 300 may be a payment settlement service server, and the payment settlement service server may be any one of a credit financing provider server, a bank server, an electronic mortgage server, a prepaid provider server, or a point provider server.

The merchant's main mobile terminal 400 is a terminal carried by the merchant's stock, and the merchant's merchandise display can be attached thereto.

The merchant registration server 500 receives the registration application data of the merchant from the merchant store, registers the merchant in the service provider server 200, receives the merchant code from the service provider server 200, and issues the merchant store display. The registration application data of the merchant is the name of the merchant, the telephone number of the merchant, and the financial account number for depositing the merchandise.

Regarding settlement of the mobile card, the service provider server 200 receives the approval completion information on settlement of the mobile card from the financial institution server 300 and transmits a message to the merchant mobile terminal 400, The terminal 400 accesses the service provider server 200 by referring to the approval and settlement details of settlement of the mobile card.

On the other hand, there are two methods of cancellation of settlement of a mobile card and payment of a refund for payment of a mobile card in connection with canceling a payment for an article purchased from a merchant or a service provided by a merchant.

First, regarding payment cancellation of the mobile card, the merchant mobile terminal 400 requests the service provider server 200 to cancel the settlement of the mobile card, and the service provider server 200 requests the service provider server 200 to cancel the settlement of the mobile card. Complete the cancellation.

Regarding the refund payment for the settlement of the mobile card, the merchant mobile terminal 400 requests the service provider server 200 to deposit a refund amount for payment of the mobile card, To the user's financial account.

According to the above description, the payment system using the portable terminal according to the embodiment of the present invention is configured by separating the service provider server 200 and the financial service provider server 300, but the service provider server 200, The financial institution server 300 may be configured identically. At this time, the service provider server 200 can perform the function of the financial service provider server 300. After the user code is authenticated, the user mobile terminal 100 confirms approval of payment of the mobile card to the service provider server 200, . Also, the service provider server 200 can function as the financial provider server 300 in the process after the approval.

3 to 14, which will be described later, the service provider server 200 can also function as the financial institution server 300. [

3 is a flowchart illustrating a merchant registration process in a payment method using a portable terminal according to an exemplary embodiment of the present invention. 2 and 3, the merchant registration process is as follows.

First, the merchant registration server 500 receives registration application data of the merchant from the merchant store (S110) and registers the merchant in the service provider server 200 (S120). In step S120, the registration application data of the merchant is the merchant's main name, the merchant's main phone number, and the financial account number for depositing the sales proceeds.

After step S120, the merchant registration server 500 receives the merchant code from the service provider server 200 (S130) and issues the merchant mark (S140).

Steps S110 to S140 are a process in which the payment method using the portable terminal 100 is configured to be a prerequisite. That is, in order to proceed with settlement using the user portable terminal 100, the merchant registration server 500 receives the registration application data of the merchant from the merchant store and registers it in the service provider server 200.

Thereafter, when the merchant registration is completed, there is no need to register the merchant again after that, and the settlement as shown in Fig. 4 can be performed. Therefore, the merchant registration is performed only once to implement the payment method using the user portable terminal 100 for the first time.

4 is a flowchart illustrating a settlement process in a payment method using a portable terminal according to an exemplary embodiment of the present invention. Referring to FIGS. 2 and 4, the settlement process is as follows.

At first, the service provider server 200 stores at least one of discount information and membership point information as bonus information for a card and coupon information to be used for settlement for each terminal identification number of the user portable terminal 100 and for each merchant code (S210 ).

After step S210, the user terminal 100 obtains merchant information (merchant code and URL information of the service provider server 200) from a merchant mark such as an affiliate store sticker (S220). In step S220, when acquiring the merchant information, the merchant code and the URL information of the service provider server 200 are obtained from a printed matter or an electronic tag, which is either a QR code, a bar code, an RF tag, or an NFC, When the merchant information is obtained from the printed matter or the electronic tag, the QR code or the bar code is displayed on the screen of the user portable terminal 100. Further, the merchant mark may be attached to a specific location of the merchant, or may be attached to the merchant mobile terminal 100. When the merchant mark is affixed to the merchant's main mobile terminal 100, the merchant can easily settle the merchandise when the merchant delivers the merchandise to a location far from the merchant's shop. Even when the merchant mark is attached to the mobile terminal 100 of a plurality of merchant employees instead of the merchant mobile terminal 100, it is possible to easily and simultaneously settle the merchandise merchant when the merchant delivers the merchandise to various places .

After step S220, the user terminal 100 receives a payment amount for the goods purchased by the user from the merchant or the service provided by the merchant (S230). The payment amount input will be described in detail with reference to FIG.

After step S230, the service provider server 200 receives the payment request information from the user portable terminal 100 (S240). The payment request information is the mutual merchant name (or the name of the merchant's main name), the number of the user portable terminal 100, and the payment amount. Here, the numbers of the merchant's mutual (or merchant's master name) and the user's mobile terminal 100 are displayed on the screen of the user's mobile terminal 100 through execution of the payment request application program in the user's mobile terminal 100, Is extracted after parsing the merchant code and displayed on the screen of the user portable terminal 100. In particular, the number of the user portable terminal 100 is displayed on the screen of the user portable terminal 100 by executing the application program of the mobile phone number in the user portable terminal 100. The payment amount is displayed on the screen of the user portable terminal 100 through a user input such as a keyboard input or a voice lunar power. In addition, when there are a plurality of user portable terminals 100, the service provider server 200 can receive payment request information from a plurality of user portable terminals 100. In this way, even when the goods are delivered to various places far from the merchant, simultaneous and easy settlement is possible.

After step S240, the service provider server 200 analyzes the settlement condition so that the minimum settlement amount of the settlement amount generated using at least one of the bonus information is generated (S250). In particular, the user portable terminal 100 receives the payment selection information from the user and selects at least one information according to the payment selection information, so that the minimum payment amount is generated considering only the payment means the user wants to use at the time of payment You can also analyze the payment terms. Information about the KB outback card (10% discount), membership points (10,000 won), coupons (1,000 won), and the like are stored as bonus information in the service provider server 200 in connection with the occurrence of the minimum settlement amount, For example, explain the case where the payment amount is \ 30,000.

The service provider server 200 generates an optimal payment condition by which the minimum payment amount can be generated using discount information, membership point information, coupon information, or the like based on the payment amount (\ 30,000). In this case, if you receive a discount of 10% of the payment amount using the KB Outback card held by the customer A, the payment amount will be \ 27,000. If you subtract the membership point 10,000won from this, \ 17,000 will be used. The discount will be \ 16,000. That is, the service provider server 200 calculates the minimum settlement amount using Equation (1) described later at the settlement amount \ 30,000 won.

Figure pat00001

After step S250, the service provider server 200 transmits the analyzed payment conditions to the user portable terminal 100 so that settlement is performed (S260).

After step S260, the service provider server 200 authenticates the user code of the user portable terminal 100 for payment of the mobile card stored therein (S270) and transmits the user code to the user portable terminal 100 (S280).

After step S280, the user portable terminal 100 requests the financial institution server 300 to approve payment of the mobile card (S290). In step S290, upon requesting approval of the payment of the mobile card, the user terminal 100 receives the PIN number or bio information, and requests the financial institution server 300 to approve payment of the mobile card. The financial institution server 300 may be a payment settlement service server, and the payment settlement service server may be any one of a credit financing provider server, a bank server, an electronic mortgage server, a prepaid provider server, or a point provider server. The input of the pin number or bio information will be described in detail with reference to FIG.

After step S290, the service provider server 200 receives the approval completion information on settlement of the mobile card from the financial institution server 300 (S292), and transmits the message to the merchant terminal portable terminal 400 (S294). The reception of the approval completion information will be described in detail with reference to FIG.

After the step S294, the merchant's main mobile terminal 400 accesses the service provider server 200 and inquires about approval and settlement of payment for the mobile card (S296).

5 is a flowchart illustrating a settlement process in a service provider server in a settlement method using a portable terminal according to an embodiment of the present invention. Referring to FIG. 2 and FIG. 5, the process of settlement in the service provider server 200 is as follows.

First, the POS server 210 receives payment request information from the user portable terminal 100 (S310).

After step S310, the PG server 220 receives payment request information from the POS server 210 (S320).

After step S320, the payment server 230 receives payment request information from the PG server 220 in step S330, and authenticates the user code in step S340 and transmits the user code to the user portable terminal 100 in step S350.

6 is a flowchart illustrating a card payment cancellation process in a payment method using a portable terminal according to an embodiment of the present invention. Referring to FIGS. 2 and 6, the card payment cancellation process is as follows.

First, the merchant's main mobile terminal 400 requests the service provider server 200 to cancel the payment of the mobile card (S410).

After step S410, the service provider server 200 completes cancellation of settlement of the mobile card (S420).

The card payment cancellation process shown in FIG. 6 is a process that is necessary only when the user intends to cancel the card payment, and is not necessary when the card payment is not canceled.

FIG. 7 is a flowchart illustrating a refund payment process for card payment in a payment method using a portable terminal according to an embodiment of the present invention. Referring to FIG. 2 and FIG. 7, the refund payment process for card settlement is as follows.

First, the merchant's main mobile terminal 400 requests the service provider server 200 to deposit a refund amount for the payment of the mobile card (S510).

After step S510, the service provider server 200 deposits the refund amount of the mobile card payment in the financial account of the user (S520).

As shown in FIG. 7, the refund payment process for the card payment is a process of depositing the refund amount without canceling the card payment as shown in FIG.

8 is a schematic diagram of an initial screen when an application program is executed according to an embodiment of the present invention. Referring to FIG. 8, in the UBPay App. It can be seen that this is the initial screen when the program is started.

UBPay App. When the program is executed, the initial screen displays a "payment" window that can be selected at the time of payment, a "card issuance" window that can be selected when issuing a request for a new card, a "inquiry" window , And a "coupon collection" window in which information such as a coupon can be collected is displayed.

For example, when the "payment" window is selected, an RF (NFC) reader is operated or a QR code reader is operated to read information recorded in an RF (NFC) tag or a QR code containing billing information, The information can be displayed on the screen to be used for settlement.

On the other hand, Most of the time the program is used for payment, the UBPay App on the user's portable terminal. It is preferable that the program is automatically operated to read information from an RF (NFC) tag or a QR code when the program is executed (or automatically executed by touching the NFC dongle).

FIG. 9 is a schematic view of a card issuing screen according to an embodiment of the present invention, FIG. 10 is a schematic view of an inquiry screen according to an embodiment of the present invention, FIG. 11 is a schematic view of a membership screen according to an embodiment of the present invention to be.

Referring to FIG. 9, UBPay App. It is possible to know that the card issuing screen in the case where the program is driven.

When the "Card issuance" window is selected, the type of card that the user can receive is referred to as the type of card to be issued, such as "credit card" window, "membership card" window, "debit card" window, or " And displays the necessary cards so that they can be issued.

The method of issuing a specific card will be described below.

Also, UBPay App. When the "inquiry" window is selected on the initial screen from which the program has been executed, a window is created and displayed by type (credit card, debit card, gift card, membership card, coupon, etc.) of the issued card as shown in FIG. For example, if the "membership card" is selected, the type of the membership card issued by the user can be changed to "KB Outback Card", "Shinhan Starbucks Card" or "One Encryption Card" Is displayed.

In addition, when any one of the cards is selected, it is of course possible to display information required to use the card, such as details of payment made by the card, available merchants, and the like.

The information displayed in the "inquiry" window may be stored and displayed on the user's portable terminal, but preferably the UBPay App. When the program is executed, the user portable terminal connects to the service provider server and receives and displays information such as a card or a coupon held by the user portable terminal.

Meanwhile, the UBPay App downloaded to the window of credit card, debit card, gift card, membership card, coupon, etc. displayed in the "inquiry" window. By displaying the image of the card of the program, the contents of the card or coupon held by the user can be confirmed at any time. If the user clicks the image, the details of the payment, available merchants and merchant benefits / advertisements can be retrieved .

For example, if you select the KB Outback card image, you can perform functions such as inquiry of the payment made with the KB Outback card, point inquiry, invoice inquiry, inquiry of affiliated merchant.

In addition, when the outback membership card is selected, it is preferable that the remaining points and usage details, points available for merchants and the like can be confirmed. In the coupon room, the coupon collected by the user is stored in an image form for easy identification, It is preferable to prevent the coupon from being displayed.

On the other hand, the user portable terminal displays the optimal payment condition including the minimum payment amount analyzed and transmitted from the service provider server, applies the payment with the displayed optimum payment conditions, or selects at least one of discount information, membership point information, It is configured to be able to apply for payment by changing one payment condition.

Also, the user portable terminal may receive information of the card to be paid from the service provider server and display it, but the UBPay App. Run a program to get a dongle (such as a relay device that allows only authorized users to copy or use a particular software application, which allows you to connect two different functionalities to use a particular feature) You may display the information that you own from among the available services, especially the cards and services that will be used for payment, and you may choose to use those cards and services for payment.

12 is a screen for inputting a payment amount of a user portable terminal in a billing system using a portable terminal according to an embodiment of the present invention. Referring to FIG. 12, it can be seen that the seller, the payer mobile number, and the payment amount are displayed on the user portable terminal screen. Here, the seller is the Peace Market OOO store, the mobile phone number of the payer is 010-1234-5678, and the payment amount is 10,000 won.

Peace Market OOO stores and 010-1234-5678 are displayed on the screen of the user portable terminal through the payment request application program in the user portable terminal and 10,000 are displayed on the screen of the user portable terminal through user input such as keyboard input or voice input do.

At this time, when the "payment" button is pressed, the seller, the mobile phone number of the payer, and the payment amount are transmitted from the user portable terminal to the service provider server. However, if the user clicks the "cancel" button due to an error such as a payment amount input error, the displayed payment amount disappears.

13 is a payment screen of a user portable terminal in a billing system using a portable terminal according to an embodiment of the present invention. Referring to FIG. 13, on the user portable terminal screen, a payment request such as a merchant name, a payment amount, a payment request date and time, a payment request date, and a card type, installment details, and PIN fields are displayed. Here, the name of the merchant is the goods of the peace market 00, and the payment amount is 10,000 won. The date and time of payment are 2011/12/07 23:21 and the payment deadline is 2011/12/08 23:21. And, the type of card is Shinhan card, and installment contents are installment of 3 months. The PIN field can be entered by the user to request approval of the payment from the financial institution server. Below the card shape, it is displayed that My Shinhan points can be used when holding more than one point.

At this time, if the user presses the "OK" button, approval is requested from the user portable terminal to the financial institution server. However, if the "Cancel" button is pressed due to an error such as a pin number input, the displayed pin number is lost.

In FIG. 13, the PIN number input is taken as an example, but the same method can be applied to the input of the bio information.

FIG. 14 is a screen for confirming payment of a user portable terminal in a billing system using a portable terminal according to an embodiment of the present invention. Referring to FIG. 14, an approval number, an approval date, an approved amount, a balance, a product name, and an affiliated shop are displayed on the user portable terminal screen. Here, the approval number is 21987623, the approval date is 2011-11-03 21:31:30, the approval amount is 10,000 won, the balance is 35,000 won, the product name is [Fuji] FinePix, It is a sundry goods.

At this time, if the "OK" button is clicked, the approval result confirmation is determined. If the user wants to save the receipt, press the "Save receipt" button and the contents displayed on the screen will be saved.

3 to 14, a storage medium (or a recording medium) on which a program for executing a payment method using a portable terminal is recorded is provided through a payment system and a payment method using the portable terminal according to the present invention can do. The storage medium may be a computer-readable recording medium, such as a CD ROM, a RAM, a ROM, a floppy disk, a hard disk, a magneto-optical disk, or the like .

On the other hand, a payment system and a payment method using a portable terminal can be used in a delivery industry, a substitute driver, a traditional market small business owner, a stall, a street vendor, a fruit / vegetable truck seller, and an interpersonal transaction. Let's take a look.

First, the customer (the mobile terminal user) confirms the payment amount to the stall operator, and then displays a message indicating that the mobile card is to be settled.

Thereafter, the stall operator informs the location of the sticker (the back of the customer's portable terminal, or a separate location) issued by the payment service provider (service provider).

Thereafter, the customer runs a payment request application program such as UbPay, reads the URL of the sticker, and moves to the corresponding mobile web page (WEB POS).

After that, the customer confirms the merchant name displayed on the screen of his / her handheld terminal, inputs the minimum payment amount provided and presses the "payment" button.

After that, the customer moves to the payment screen of the application program of his / her portable terminal and inputs the PIN number. After inputting the PIN number, the payment is completed by pressing the "OK" button.

Thereafter, the service provider sends a Short Messaging Service (SMS) with the approval number to the customer and the stall carrier.

Thereafter, the stall operator connects to the mobile web page with his / her portable terminal, confirms the sales and payment contents, and ends the transaction.

The present invention is not limited to the above-described embodiments and the accompanying drawings. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims, .

100: User portable terminal
200: Service provider server
210: POS server
220: PG server
230: Payment server
300: financial provider server
400: Merchant's main portable terminal
500: Merchant registration server

Claims (41)

A user portable terminal for acquiring merchant information from an merchant store indication and receiving a payment amount for an article purchased by the user at the merchant store or a service provided by the merchant store; And
And stores at least one of discount information and membership point information as bonus information for each mobile terminal to be used for settlement, coupon information and merchant code for each mobile terminal, and receives settlement request information from the portable terminal Analyzing the settlement conditions so that a minimum settlement amount is generated among the settlement amounts generated using at least one of the bonus information, transmitting the analyzed settlement conditions to the user portable terminal, ;
Lt; / RTI >
The service provider server authenticates the user code of the user portable terminal for payment of the mobile card stored therein and transmits the user code to the user portable terminal, A billing system using a portable terminal, requesting. A user portable terminal for acquiring merchant information from an merchant store indication and receiving a payment amount for an article purchased by the user at the merchant store or a service provided by the merchant store; And
And stores at least one of discount information and membership point information as bonus information for each mobile terminal to be used for settlement, coupon information and merchant code for each mobile terminal, and receives settlement request information from the portable terminal Analyzing the settlement conditions so that a minimum settlement amount is generated among the settlement amounts generated using at least one of the bonus information, transmitting the analyzed settlement conditions to the user portable terminal, ;
Lt; / RTI >
Wherein the service provider server authenticates the user code of the user portable terminal and transmits the user code to the user portable terminal for payment of the mobile card stored in the service provider server, The payment system using the portable terminal. 3. The method according to claim 1 or 2,
Wherein the merchant mark is a printed matter or an electronic tag that is any one of a Quick Response (QR) code, a barcode, a RF tag, and a Near Field Communication (NFC) A billing system using a portable terminal, the billing system being displayed on a screen of the portable terminal. 3. The method according to claim 1 or 2,
Wherein the payment request information is a mutual merchant mutual (or merchant's principal name), a number of the user portable terminal, and the payment amount. The method according to claim 1,
Wherein the financial service provider server is a payment settlement service server and the payment settlement service server is any one of a credit financing provider server, a bank server, an electronic mortgage server, a prepaid provider server, or a point provider server, . 5. The method of claim 4,
Wherein the merchant mutual (or merchant's main name) and the number of the user portable terminal are displayed on the screen of the user portable terminal by executing the payment request application program in the user portable terminal. The method according to claim 6,
Wherein the merchant mutual is extracted after parsing the merchant code and displayed on the screen of the user portable terminal. 3. The method according to claim 1 or 2,
Wherein the payment amount is displayed on the screen of the user portable terminal through user input. 9. The method of claim 8,
Wherein the payment amount is displayed on a screen of the user portable terminal through keyboard input or voice input of the user. The method according to claim 1,
Wherein the user portable terminal receives an input of pin number or bio information to request the financial institution server to approve payment of the mobile card. The method according to claim 1,
Further comprising a merchant store portable terminal,
Wherein the service provider server receives the approval completion information on settlement of the mobile card from the financial institution server and transmits a message to the merchant's primary mobile terminal,
Wherein the merchant's main mobile terminal accesses the service provider server and inquires about approval and settlement details of the settlement of the mobile card. 12. The method of claim 11,
The merchant's primary mobile terminal requests the service provider server to cancel the payment of the mobile card, and the service provider server completes the cancellation of the payment of the mobile card. 12. The method of claim 11,
The merchant's primary mobile terminal requests the service provider server to deposit the refund amount for the payment of the mobile card and the service provider server deposits the refund amount for the payment of the mobile card in the financial account of the user, Used payment system. 12. The method of claim 11,
And a merchant registration server for registering the merchant with the service provider server and receiving the merchant code from the service provider server and receiving the merchandise registration data from the merchant store, Used payment system. 15. The method of claim 14,
Wherein the registration application data of the merchant is a financial account number for depositing a merchandise account name, a merchant's main phone number, and an account number of a merchant. The method according to claim 1,
The service provider server,
A POS (Point of Sale) server for receiving the payment request information from the user portable terminal;
A payment gateway (PG) server for receiving the payment request information from the POS server; And
A payment server for receiving the payment request information from the PG server, authenticating the user code and transmitting the user code to the user portable terminal;
The payment system using the portable terminal. 3. The method according to claim 1 or 2,
Wherein the merchant mark is attached to a specific position of the merchant, or is attached to the merchant carrier main mobile terminal. 3. The method according to claim 1 or 2,
The user portable terminals are plural,
And the service provider server receives payment request information from the plurality of user portable terminals. 3. The method according to claim 1 or 2,
Wherein the merchant information includes a merchant code. 20. The method of claim 19,
Wherein the merchant information further includes URL (Uniform Resource Locator) information of the service provider server. A first step of storing, as bonus information, at least one of a mobile card and coupon information to be used for payment for each terminal identification number of the user portable terminal, and at least one of discount information and membership point information for each merchant code;
A second step of acquiring merchant information from a merchant mark in the user portable terminal;
A third step of receiving, in the user portable terminal, a payment amount for an article purchased by the user at the merchant or a service provided by the merchant; And
A fourth step of receiving, from the service provider server, payment request information from the user portable terminal;
A fifth step of analyzing a settlement condition in the service provider server so that a minimum settlement amount of the settlement amount generated using at least one of the bonus information is generated;
A sixth step of transmitting, by the service provider server, the analyzed payment conditions to the user portable terminal to make payment;
A seventh step of authenticating a user code of the user portable terminal for payment of a mobile card stored in the service provider server and transmitting the user code to the user portable terminal; And
An eighth step of requesting the financial institution server to approve payment of the mobile card in the user portable terminal;
And a payment method using the portable terminal. A first step of storing, as bonus information, at least one of a mobile card and coupon information to be used for payment for each terminal identification number of the user portable terminal, and at least one of discount information and membership point information for each merchant code;
A second step of acquiring merchant information from a merchant mark in the user portable terminal;
A third step of receiving, in the user portable terminal, a payment amount for an article purchased by the user at the merchant or a service provided by the merchant; And
A fourth step of receiving, from the service provider server, payment request information from the user portable terminal;
The service provider server analyzes the settlement condition so that a minimum settlement amount of the settlement amount generated using at least one of the bonus information is generated and transmits the analyzed settlement condition to the user portable terminal ;
A sixth step of authenticating a user code of the user portable terminal for payment of a mobile card stored in the service provider server and transmitting the user code to the user portable terminal; And
A seventh step of requesting the service provider server to approve payment of the mobile card in the user portable terminal;
And a payment method using the portable terminal. 22. The method of claim 21,
The second step is to acquire the merchant information from a printed matter or an electronic tag, which is one of a QR (Quick Response) code, a barcode, an RF tag, and NFC (Near Field Communication)
Wherein the QR code or the bar code is displayed on a screen of the user portable terminal when the merchant information is acquired from the QR code or the printed matter or the electronic tag as the bar code. 22. The method of claim 21,
Wherein the settlement request information of the fourth step is the mutual merchant mutual (or merchant main name), the number of the user portable terminal, and the payment amount. 22. The method of claim 21,
The eighth step requests the payment service server to approve payment of the mobile card in the portable terminal, and the payment payment service server includes a credit finance company server, a bank server, an electronic mortgage server, a prepaid provider server, Or a point provider server, which is a server. 25. The method of claim 24,
Wherein the merchant mutual name or the merchant's main name and the number of the user portable terminal are displayed on the screen of the user portable terminal by executing the payment request application program in the user portable terminal. 27. The method of claim 26,
Wherein the merchant mutual is extracted after parsing the merchant code and displayed on the screen of the user portable terminal. 22. The method of claim 21,
Wherein the payment amount of the third step is displayed on a screen of the user portable terminal through a user input. 29. The method of claim 28,
Wherein the payment amount is displayed on a screen of the user portable terminal through keyboard input or voice input by the user. 22. The method of claim 21,
And the eighth step requests the financial institution server to approve payment of the mobile card by receiving PIN number or bio information from the user portable terminal. 22. The method of claim 21,
Receiving, at the service provider server, approval completion information on the settlement of the mobile card from the financial institution server and transmitting the approval completion information to the mobile terminal; And
Accessing and inquiring the approval and settlement details of settlement of payment of the mobile card from the service provider server in the merchant main portable terminal;
Further comprising the steps of: 32. The method of claim 31,
Requesting the service provider server to cancel the payment of the mobile card in the merchant's main mobile terminal; And
Completing cancellation of payment of the mobile card at the service provider server;
Further comprising the steps of: 32. The method of claim 31,
Requesting the service provider server to deposit a refund amount for the payment of the mobile card in the merchant main portable terminal; And
Depositing, in the service provider server, a refund amount for payment of the mobile card to the financial account of the user;
Further comprising the steps of: 32. The method of claim 31,
Registering the franchisee in the service provider server by receiving registration application data of the franchisee from the franchisee in the franchisee registration server; And
Issuing, at the merchant registration server, the merchant store indication by receiving the merchant store code from the service provider server;
Further comprising the steps of: 35. The method of claim 34,
Wherein, in the step of registering the merchant, the merchandise store registration application data is a merchant name, a merchant phone number, and a financial account number for depositing the merchandise. 22. The method of claim 21,
In the seventh step,
Receiving, at a point of sale (POS) server, the payment request information from the user portable terminal;
Receiving, at a payment gateway (PG) server, the payment request information from the POS server; And
Receiving, at the payment server, the payment request information from the PG server, authenticating the user code, and transmitting the user code to the user portable terminal;
And a payment method using the portable terminal. 22. The method of claim 21,
Wherein the merchant point display of the second step is attached to a specific location of the merchant shop or is attached to the merchant shop mobile terminal. 22. The method of claim 21,
Wherein the fourth step is to receive payment request information from a plurality of user portable terminals at the service provider server. 22. The method of claim 21,
Wherein the merchant information includes a merchant code. 40. The method of claim 39,
Wherein the merchant information further includes URL (Uniform Resource Locator) information of the service provider server. 40. A storage medium on which a program for executing the method of any one of claims 21 to 40 is recorded.
KR1020120117168A 2011-12-19 2012-10-22 System and method for payment using portable terminal, and storage medium recording program for implementing method thereof KR20130070510A (en)

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US11544734B2 (en) 2013-07-22 2023-01-03 Harexinfotech Inc. Smart shopping method and smart shopping management server
KR20150019970A (en) * 2013-08-16 2015-02-25 원투씨엠 주식회사 Method for Using a Value Data in Reverse by using Near Field Communication
WO2015083918A1 (en) * 2013-12-06 2015-06-11 비씨카드 주식회사 Method and system for providing payment service
CN105745677A (en) * 2013-12-06 2016-07-06 Bc卡有限公司 Method and system for providing payment service
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KR20160043556A (en) * 2014-10-13 2016-04-22 주식회사 비디 Method of paying mobile, terminal performing the same, server performing the same and storage media storing the same
WO2016117792A1 (en) * 2015-01-23 2016-07-28 주식회사 비디 Computer-executable electronic stamp payment method, user terminal performing same, electronic stamp payment server, and recording medium storing same
CN113115285B (en) * 2015-06-23 2024-06-07 创新先进技术有限公司 Information processing method and device
CN113115285A (en) * 2015-06-23 2021-07-13 创新先进技术有限公司 Information processing method and device
KR20210056435A (en) * 2017-05-25 2021-05-18 강수향 System and method for a customer initiated payment transaction
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WO2019139455A1 (en) * 2018-01-15 2019-07-18 (주)비지에프리테일 Mobile self-payment application
KR20210106844A (en) 2020-02-21 2021-08-31 주식회사 코러스 Virtual Payment System For Reduction Of Payment Fee
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