KR20140083768A - Method, user device, service server and computer program product for providing payment service - Google Patents

Method, user device, service server and computer program product for providing payment service Download PDF

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Publication number
KR20140083768A
KR20140083768A KR1020120153877A KR20120153877A KR20140083768A KR 20140083768 A KR20140083768 A KR 20140083768A KR 1020120153877 A KR1020120153877 A KR 1020120153877A KR 20120153877 A KR20120153877 A KR 20120153877A KR 20140083768 A KR20140083768 A KR 20140083768A
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KR
South Korea
Prior art keywords
merchant
identifier
payment
payment amount
input
Prior art date
Application number
KR1020120153877A
Other languages
Korean (ko)
Inventor
김상겸
최지호
Original Assignee
비씨카드(주)
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 비씨카드(주) filed Critical 비씨카드(주)
Priority to KR1020120153877A priority Critical patent/KR20140083768A/en
Publication of KR20140083768A publication Critical patent/KR20140083768A/en

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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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A payment service providing method, a user terminal and a computer program product are provided. A method of providing a payment service by a user terminal including a mobile card includes the steps of: (a) receiving a merchant identifier and a payment amount; (b) inputting an authorization request for the payment amount; Transmitting the card information extracted from the mobile card to the service server, and (c) receiving the result of the approval request from the service server and displaying the result on the screen, wherein the step (a) Or the settlement amount is input directly, the payment amount is directly inputted from the user, the merchant identifier is inputted by taking a one-dimensional or two-dimensional code, the payment amount is inputted directly from the user, It receives input through radio tag.

Description

[0001] METHOD, USER DEVICE, SERVICE SERVER AND COMPUTER PROGRAM PRODUCT FOR PROVIDING PAYMENT SERVICE [0002]

The present invention relates to a payment service providing method, a user terminal, a service server, and a recording medium, and more particularly, to a method, a user terminal, a service server, and a computer program product for providing a mobile payment service without an affiliate terminal.

As of August 2012, the number of smartphone subscribers in Korea is expected to surpass 30 million (July 27, 2012).

As a result, various services using smart phones are coming out ahead of the market. Among them, mobile payment service is becoming a big concern, and the payment infrastructure for this is increasing.

Users are now able to conveniently process payments for purchase goods or services by simply bringing a smartphone containing a mobile card to an affiliate terminal without having to carry multiple credit cards and cash.

However, even if a mobile settlement infrastructure is not yet established, and even if a mobile payment infrastructure is available, if the merchant terminal malfunctions or the communication between the merchant terminal and the service server is temporarily disconnected, Service support for users is needed.

SUMMARY OF THE INVENTION The present invention provides a method, a user terminal, a service server, and a program product capable of providing a mobile payment service without a merchant terminal.

According to another aspect of the present invention, there is provided a method for providing a payment service to a user terminal including a mobile card, the method comprising the steps of: (a) receiving a merchant identifier and a payment amount; (b) (C) receiving a result of the approval request from the service server and displaying the result of the approval request on the screen; Wherein the step (a) directly receives the merchant identifier and the payment amount from the user, or directly inputs the payment amount from the user, and the merchant identifier is acquired by shooting the one- or two-dimensional code Or receives the payment amount directly from the user, and the merchant identifier is transmitted to the wireless terminal It is input through the tag.

In one aspect of the present invention, in the step (a), when the merchant identifier is inputted through the photographing of the one-dimensional or two-dimensional code or through the wireless tag, an application providing the payment service is driven, An input window for inputting amounts is displayed on the screen.

According to an aspect of the present invention, the method further includes the step of, when the inquiry request for the merchant store identifier is input before the step (a), requesting merchant store information including the merchant store identifier to the service server And receiving the merchant information from the service server and displaying the merchant information on the screen.

In order to accomplish the above object, a computer program product according to an embodiment of the present invention includes a series of instructions for performing any one of the above methods.

In order to achieve the above object, a user terminal for providing a payment service, including a mobile card according to an embodiment of the present invention, includes an input unit for inputting a merchant identifier and a payment amount, A card information extracting unit for extracting card information stored in the mobile card, an approval request unit for transmitting the merchant identifier, the payment amount, and the extracted card information to a service server to request approval, And displays the result on the screen, wherein the input unit receives the merchant identifier and the payment amount directly from the user, or directly inputs the payment amount from the user and receives the merchant identifier as a one- By receiving a two-dimensional code, An amount of money is input directly from the user, and the merchant identifier is input through a wireless tag.

In one aspect of the present invention, when the merchant identifier is input through shooting of the one-dimensional or two-dimensional code or through the wireless tag, the input unit drives an application providing the payment service to input the payment amount The input window is displayed on the screen.

Further, in one aspect of the present invention, when the inquiry request for the merchant store identifier is input, the user terminal requests merchant store information including the merchant store identifier to the service server, receives the merchant store information from the service server And an affiliate shop information inquiry unit displayed on the screen.

In order to achieve the above object, a service server for providing a settlement service to a user terminal according to an embodiment of the present invention includes a merchant point identifier storage unit for matching merchant point information and merchant store identifiers, A merchant identifier providing unit for searching for a merchant identifier of the specific merchant and transmitting the merchant identifier to the user terminal, a payment approval request including the merchant identifier, the payment amount, and the card information from the user terminal And a payment approval result providing unit for sending the payment approval result to the user terminal and the merchant terminal of the specific merchant when receiving the merchandise identification information and the card information.

In one aspect of the present invention, the merchant identifier providing unit is provided with merchant information including at least one of a location, an address, a business registration number, a trade name, merchant main information, and GPS information on the map of the specific merchant received from the user terminal And searches for the franchisee identifier based on the franchise identifier.

According to an embodiment of the present invention, a mobile settlement service can be used even in a place where a mobile settlement infrastructure is not established or where it is difficult to install an affiliate terminal.

Further, even when communication between the merchant terminal and the service server is impossible due to a failure of the merchant terminal or a communication failure, the mobile payment service can be conveniently and easily provided.

Also, in the case of the delivery industry, there is no need to carry a card terminal for each payment.

In addition, since the mobile payment service can be provided without an affiliate terminal, it is possible to reduce the fee for the card payment terminal and the fee to be paid by the VAN in the case of the merchant.

In addition, since the existing mobile payment infrastructure can be used as it is, there is no additional infrastructure construction cost.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a block diagram of a mobile payment service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of a purchaser terminal 110 according to an embodiment of the present invention.
3A and 3B are views illustrating a process of a mobile payment service provided by the purchaser terminal 110 according to an embodiment of the present invention.
4 is a block diagram illustrating a configuration of a service server 120 for providing a settlement service to a purchaser terminal according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

1 is a block diagram of a mobile payment service providing system according to an embodiment of the present invention.

The mobile payment service providing system 100 according to an embodiment of the present invention may include a purchaser terminal 110, a service server 120 and an affiliate shop main terminal 130. The mobile payment service providing system 100 may include a merchant terminal , CAT terminal, card payment terminal, etc.).

The purchaser terminal 110 can receive the merchant identifier and the payment amount.

Here, the merchant identifier may be issued from a service provider operating the service server 120, and may include a unique ID for identifying the merchant. Hereinafter, the merchant identifier is referred to as an 'merchant ID'.

The merchant ID may be displayed in the form of a barcode or a QR code and may be attached to one side of the counter of the corresponding merchant, or may be written (or printed) on the note by the merchant, Communication tag or a radio frequency (RF) tag.

If the merchant ID is in the form of a barcode or a QR code, the purchaser terminal 110 can receive the merchant ID by photographing the corresponding barcode or QR code. If the merchant ID is stored in a radio tag such as an NFC tag or an RF tag The purchaser terminal 110 can receive the merchant ID by being adjacent to the wireless tag.

In addition, when the merchant ID is written or printed on the note, the buyer terminal 110 can receive the merchant ID directly from the user.

In addition to the above method, the purchaser terminal 110 requests the service server 120 to inquire the merchant's ID to receive the merchant ID, and receives from the service server 120 the merchant's ID together with merchant information (e.g., A location, an address, a business registration number, a business name, a merchant's main information (name, wired / wireless telephone number, resident registration number, etc.)) and display it on the screen.

For example, when the purchaser terminal 110 requests the merchant ID inquiry including the GPS information, the purchaser terminal 110 can receive the merchant ID within a certain radius from the service server 120. [

When the purchaser terminal 110 requests the merchant ID inquiry including the address of the merchant, the name of the merchant, the name of the merchant, and the name of the merchant, the purchaser terminal 110 receives the merchant ID from the service server 120 .

Accordingly, the purchaser terminal 110 does not have the merchant ID in the form of a bar code or a QR code, and there is no NFC tag or RF tag in which the merchant ID is stored, and the merchant can not store the merchant ID, Even if there is no memo, the franchise ID can be input by using the above-described method.

The payment amount input will be described next, and the purchaser terminal 110 can receive the payment amount directly from the purchaser.

When the approval request for the payment amount is input after the merchant ID and the payment amount are inputted, the purchaser terminal 110 extracts the card information stored in the mobile card, identifies the merchant ID, the payment amount, And transmits the card information to the service server 120.

At this time, the purchaser terminal 110 may receive a payment item, that is, a purchase history from the user, and this may be input as an option such that the card usage details can be confirmed at a later time.

Of course, if the purchase history is simple, all of the purchase history may be input, and if the purchase history is complicated, it may be simply input such as " ooo &

After that, the purchaser terminal 110 can receive the result of the approval request from the service server 120. [

Here, the result of the approval request may include the merchant information, the settlement date, the payment amount, and the normal settlement. If the purchase history is also input at the time of approval request, .

Since the service server 120 can transmit the result of the approval request to the buyer terminal 110 and the merchant's main terminal 130, it is possible to confirm the payment amount of both the buyer and the merchant, .

Meanwhile, the service server 120 receives an approval request including the merchant ID, the card information, and the payment amount from the buyer terminal 110, and can process approval, that is, settlement, of the authorization request.

For reference, the authorization request may further include purchases entered by the purchaser.

After that, the service server 120 searches the merchant's main terminal 130 matching the merchant ID and transmits the result of the approval request to the purchaser terminal 110 and the searched merchant's main terminal 130.

Here, the result of the approval request may include the merchant information, the settlement date, the payment amount, and the normal settlement. If the purchase history is also input at the time of approval request, .

In addition, the service server 120 receives the merchant's ID inquiry request from the purchaser terminal 110 and can search for the merchant that matches the information included in the request.

For example, when the GPS information is received from the purchaser terminal 110, the service server 120 searches for a merchant within a specific radius based on the GPS information, and stores merchant information including the searched merchant information, (110).

When at least one of the address of the merchant, the name of the merchant, and the business registration number are received from the purchaser terminal 110, the service server 120 searches for the merchant that matches the information, And transmits the merchant information including the merchant information to the buyer terminal 110.

For reference, the service server 120 of the present invention may be a server of a credit card company or a server of a credit card company and a provider associated with a credit card company.

In the former case, the card issuer server can perform all the operations of the service server 120. In the latter case, the provider server receives an approval request including the merchant ID, card information, and the payment amount from the buyer terminal 110 And can transmit the approval request to the card company server again, and the card company server can process the approval received from the business server and transmit the result to the business server.

In the latter case, the franchise ID may be issued by a business operator operating a business server or may be issued by a card company, and a business server and a card company server may share information capable of identifying the business partner

Hereinafter, the case where the service server 120 is a card issuer server (in the former case) will be described.

On the other hand, the merchant main terminal 130 may receive the result of the approval request from the service server 120. [

The merchant main terminal 130 may include a mobile terminal such as a mobile phone, a PDA, and a smart phone capable of receiving an approval request result in the form of SMS or MMS from the service server 120.

In addition, the merchant main terminal 130 may include a low-priced dedicated terminal designed to receive only the result of the approval request.

2 is a block diagram illustrating a configuration of a purchaser terminal 110 according to an embodiment of the present invention.

The purchaser terminal 110 according to an embodiment of the present invention includes an affiliate shop information inquiry unit 111, an input unit 112, a card information extracting unit 113, an approval requesting unit 114 and an approval result receiving unit 115 can do.

The merchant information inquiry unit 111 requests the merchant information including the merchant ID to the service server 120 when the inquiry request for the merchant ID is input, Can be received and displayed on the screen.

At this time, the merchant information inquiry unit 111 may inquire about the merchant ID including at least one of the GPS information of the purchaser terminal 110, the address of the merchant, the name of the merchant, the business registration number, have.

Meanwhile, the input unit 112 may receive the merchant ID, the payment amount, and the purchase history from the purchaser. For this purpose, the input unit 112 may include a keypad, a touch screen, a photographing device such as a camera, A device for communication, and the like.

Here, when the merchant ID is written or printed on the note, the input unit 112 can receive the merchant ID from the buyer through the keypad or the touch screen of the purchase terminal 110. If the merchant ID is in the form of a barcode or QR code When the merchant ID is stored in a wireless tag such as an NFC tag or an RF tag, the purchaser terminal 110 is adjacent to the wireless tag, so that the merchant ID can be received have.

For reference, the input unit 112 automatically activates the application providing the payment service of the present invention when the merchant ID is input through shooting of the barcode or the QR code, or via a radio tag such as the NFC tag or the RF tag And display an input window for inputting the settlement amount on the screen of the purchasing terminal 110.

At this time, the merchant ID input by the above method may be automatically set and displayed on the input window.

Further, the input unit can receive the payment amount and purchase history from the purchaser through the keypad of the purchasing terminal 110 or the touch screen, in addition to the merchant ID (112).

In addition, the input unit 112 can receive an approval request for a payment amount from the purchaser through a keypad or a touch screen of the purchasing terminal 110. In order to inquire the merchant's ID, the input unit 112 stores the address of the merchant, the name of the merchant, Etc. can be input.

On the other hand, the card information extracting unit 113 can extract the card information stored in the mobile card of the purchasing terminal 110 when the approval request for the payment amount is input through the input unit 112. [

Here, when there are a plurality of pieces of card information stored in the mobile card, the card information extracting unit 113 can extract the information of the card that the purchaser previously set as the basic card or the card selected through the card selection interface.

Meanwhile, the approval requesting unit 114 may transmit the merchant identifier, the payment amount, and the extracted card information, which are input through the input unit 112, to the service server 120 to request approval.

At this time, if more purchase details are inputted through the input unit 112, the approval request unit 114 may request approval including the purchase details.

On the other hand, the approval result receiving unit 115 can receive the result of the approval request from the service server 120 and display it on the screen.

Here, the result of the approval request may include the merchant information, the settlement date, the payment amount, and the normal settlement. If the purchase history is also input at the time of approval request, .

For reference, the approval result receiving unit 115 may receive the result of the approval request in the form of SMS or MMS.

3A and 3B are views illustrating a process of a mobile payment service provided by the purchaser terminal 110 according to an embodiment of the present invention.

For convenience of explanation, FIGS. 3A and 3B will be described with the screen of the purchaser terminal 110 as a center.

In FIG. 3A, the purchaser purchases a few car accessories from the A supermarket and requests payment using the mobile card. However, the POS terminal of the A supermarket can not operate normally because of communication with the card server.

In this situation, the merchant gives the merchant ID printed to the buyer, and the buyer operates the application installed in the buyer terminal 110. [

Then, as shown in FIG. 3A, the purchaser terminal 110 receives the merchant ID, payment amount, and purchase history from the purchaser.

When the merchant ID is in the form of a bar code or a QR code, the purchaser terminal 110 can capture a bar code or a QR code using the built-in camera, receive the merchant ID from the captured image, When the purchase terminal 110 is stored in a wireless tag such as a tag or an RF tag, the affiliation ID can be received by being adjacent to the wireless tag.

Thereafter, when the buyer's approval request is input, the buyer terminal 110 extracts the card information stored in the mobile card, and transmits the extracted card information, the retailer ID, the payment amount, and the purchase details to the service server 120 .

3B, the buyer terminal 110 receives the result of the approval request from the service server 120 via SMS and displays it on the screen.

At this time, the merchant's attention mobile terminal 130 can also receive the result of the approval request via SMS and display it on the screen.

4 is a block diagram illustrating a configuration of a service server 120 for providing a settlement service to a purchaser terminal according to an embodiment of the present invention.

The service server 120 for providing a payment service to the purchaser terminal according to an embodiment of the present invention includes a merchant identifier storing unit 121, a merchant identifier providing unit 122, a payment acceptance unit 123, (Not shown).

First, the merchant identifier storage unit 121 stores the location, address, business registration number, trade name, merchant store main information (name, wired / wireless phone number, resident registration number, etc.) on the map of the merchant, GPS The merchant information including at least one of the information and the merchant ID may be stored in a matching manner.

On the other hand, when the affiliate shop identifier inquiry request to the specific shop member is received from the shopper terminal 110, the alias shop identifier providing unit 122 searches the shop member identifier storage unit 121 for the shop member ID of the specific shop member, ).

At this time, the merchant ID inquiry request received from the purchaser terminal 110 may include at least one of the merchant information.

Also, the alias point identifier providing unit 122 may transmit the merchant information together with the merchant ID to the buyer terminal 110. [

On the other hand, when the payment approval request including the merchant ID, the payment amount, and the card information is received from the purchaser terminal 110, the payment approval unit 123 approves the settlement of the payment amount using the received merchant ID and card information do.

Meanwhile, the payment approval result providing unit 124 may transmit the payment approval result of the payment approval unit 123 to the buyer terminal 110 and the affiliate shop main terminal 130. [

As described above, the present invention can conveniently and easily provide a mobile payment service even when a communication between a franchise terminal and a service server is impossible due to failure of a mobile settlement infrastructure, failure of an affiliated terminal, or communication failure.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: Mobile payment service providing system
110: Buyer terminal
111: Merchant shop information inquiry part
112:
113: Card information extracting unit
114: Authorization request section
115: Approval result receiver
120: service server
121: Merchant store identifier storage unit
122: Merchant identification service provider
123:
124: Payment approval result transmission unit
130: Merchant main terminal

Claims (9)

(a) receiving a merchant identifier and a payment amount;
(b) transmitting, to the service server, the merchant identifier, the payment amount, and the card information extracted from the mobile card, when the approval request for the payment amount is input; And
(c) receiving a result of the approval request from the service server and displaying the result on the screen;
Wherein the step (a) comprises:
Directly receives the merchant identifier and the payment amount from the user,
The payment amount is directly inputted from the user and the merchant identifier is received by taking a one-dimensional or two-dimensional code,
Wherein the payment amount is directly input from the user and the merchant identifier is input through a wireless tag.
The method according to claim 1,
In the step (a), when the merchant identifier is input through the photographing of the one-dimensional or two-dimensional code, or through the wireless tag, an application for providing the payment service is driven to input the payment amount How to provide a payment service to display on the screen.
The method according to claim 1,
Requesting the service server for merchant information including the merchant store identifier, when the inquiry request for the merchant store identifier is input before the step (a); And
Receiving the merchant information from the service server and displaying the merchant information on a screen;
The method further comprising:
A computer program product comprising a series of instructions for performing the method according to any one of claims 1 and 3.
A user terminal including a mobile card and providing a payment service,
An input unit for receiving the merchant identifier and the payment amount;
A card information extracting unit for extracting card information stored in the mobile card when an approval request for the payment amount is input;
An approval request unit for transmitting the merchant identifier, the payment amount, and the extracted card information to the service server to request approval; And
An approval result receiving unit for receiving the result of the approval request from the service server and displaying the result on the screen;
, Wherein the input section
The merchant identifier and the payment amount directly from the user,
Directly receiving the payment amount from the user, receiving the merchant identifier by photographing the one-dimensional or two-dimensional code,
Wherein the payment amount is input directly from the user and the merchant identifier is input through a wireless tag.
6. The method of claim 5,
When the merchant identifier is inputted through the photographing of the one-dimensional or two-dimensional code or through the wireless tag, the input unit drives an application providing the payment service and displays an input window for inputting the payment amount on the screen , A user terminal.
6. The method of claim 5,
An affiliate shop information inquiry unit for requesting merchant information including the merchant store identifier to the service server when receiving an inquiry request for the merchant store identifier, receiving the merchant store information from the service server, and displaying the merchant store information on a screen;
Further comprising:
1. A service server for providing a payment service to a user terminal,
A merchant identifier storage unit for storing matching merchant information and merchant store identifiers;
A merchant identifier providing unit for searching for a merchant identifier of the specific merchant and transmitting the merchant identifier to the user terminal when the merchant identifier inquiry request for the specific merchant is received from the user terminal;
A payment approval unit for accepting the payment amount using the merchant identifier and the card information when the payment approval request including the merchant identifier, the payment amount, and the card information is received from the user terminal; And
A payment approval result providing unit for transmitting the payment approval result to the user terminal and the merchant terminal of the specific merchant;
/ RTI >
9. The method of claim 8,
The merchant identifier providing unit searches the merchant store identifier based on the merchant store information including at least one of the location, address, business registration number, trade name, merchant store main information and GPS information of the specific merchant shop received from the user terminal Service server.
KR1020120153877A 2012-12-26 2012-12-26 Method, user device, service server and computer program product for providing payment service KR20140083768A (en)

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KR1020120153877A KR20140083768A (en) 2012-12-26 2012-12-26 Method, user device, service server and computer program product for providing payment service

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020120153877A KR20140083768A (en) 2012-12-26 2012-12-26 Method, user device, service server and computer program product for providing payment service

Publications (1)

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KR20140083768A true KR20140083768A (en) 2014-07-04

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