KR20150101600A - Terminal and service providing device, electronic wallet system comprising the same, control method thereof and computer readable medium having computer program recorded therefor - Google Patents

Abstract

The present invention is to disclose a terminal, a service providing device, an electronic wallet system including the same, a control method thereof, and a recording medium having a computer program recorded therein. According to the invention, a terminal which performs a communication function with a POS terminal including a Bluetooth module provided in a specific store displays a payment related card which can be used in the store transmitted from the POS terminal having the Bluetooth module, and performs a payment function through the payment related card registered in the terminal which displays payment related card information that can be used in the store, convenience of a user is improved, utilization of a specific application such as an electronic wallet application is improved, various additional services are provided to a user, and customer information management and overall system efficiency can be improved.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a terminal and a service providing apparatus, an electronic wallet system including the terminal, a control method thereof, and a recording medium on which a computer program is recorded }

The present invention relates to a terminal and a service providing apparatus, an electronic wallet system including the same, a control method thereof, and a recording medium on which a computer program is recorded. After completing the Bluetooth pairing with the POS terminal having the Bluetooth module installed in the store, the payment related card information usable in the store transmitted from the POS terminal having the Bluetooth module is displayed through a specific application, A terminal and a service providing device that perform a payment function through the registered payment related card when the related card is registered in the terminal, an electronic wallet system including the terminal, a control method thereof, and a recording medium on which the computer program is recorded.

The electronic wallet system manages a credit card, a traffic card, a membership card, a coupon, etc. through a user terminal equipped with a USIM card or the like, and provides a settlement function through a user terminal and a partner terminal.

Such an electronic wallet system mainly focuses on communication between a terminal equipped with a specific app such as an electronic wallet app and a service providing device. Accordingly, when the terminal is located in a specific store, the terminal receives the store information, coupon information, and the like for the store from the service providing device and displays the information through a specific application. The load on the service providing device increases, There is an inconvenience.

Korean Registered Patent No. 10-0869966 [Name: Double Payment Approval Processing Method Using Mixed Approval Professional]

An object of the present invention is to provide a POS terminal having a Bluetooth module provided in a specific brand store in a terminal equipped with a specific app such as an electronic wallet app through Bluetooth which is a non-contact type, a terminal performing a communication function, An electronic wallet system, a control method thereof, and a recording medium on which a computer program is recorded.

It is another object of the present invention to provide a POS terminal having a Bluetooth module provided in a specific store and a terminal performing a communication function to transmit payment-related card information, which is available from the POS terminal having the Bluetooth module, And a service providing device for performing a payment function through a payment related card registered in the terminal, among payment related card information available in the displayed store, an electronic wallet system including the electronic wallet system, a control method thereof, and a computer program And a recording medium on which the recording medium is recorded.

A terminal according to an embodiment of the present invention includes a display unit for displaying a specific application execution result screen; A communication unit for searching for a POS terminal equipped with a Bluetooth module adjacent to a terminal when a specific application installed in advance is executed and communicating with the outside; A storage unit for storing a plurality of settlement related cards interlocked with a specific app; And a POS terminal having the retrieved Bluetooth module to perform communication with the POS terminal having the Bluetooth module, receiving the store information transmitted from the POS terminal having the Bluetooth module, and the settlement related card usable in the store Related card corresponding to the settlement related card usable in the store received from among a plurality of settlement related cards stored in advance and transmits the information on the payment related card selected from among the one or more payment related cards that have been confirmed, And a control unit for controlling the communication unit to transmit the identification information to the POS terminal having the Bluetooth module.

As an example related to the present invention, the controller can identify a settlement related card that is available in a store received from among a plurality of payment related cards stored in advance.

As an example related to the present invention, the settlement related card may be any of a membership card, a credit card, a check card, and a point card.

As an example related to the present invention, the communication unit may receive a push message including payment information processed by a POS terminal transmitted from a service providing apparatus in response to information on a transmitted payment related card.

As an example related to the present invention, when the payment related card corresponding to the settlement related card usable in the store received from among the plurality of payment related cards stored in advance is not included, The issuing procedure for the usable settlement related card can be performed and the payment related card usable in the store issued from the service providing apparatus can be registered in the specific app.

As an example associated with the present invention, the control unit controls the display unit to display one or more payment related cards identified, and one or more payment related cards displayed on the display unit may be displayed in the order of payment-related cards in the store, A predetermined recommendation mark can be displayed in an adjacent area of many settlement related cards.

A service providing apparatus according to an exemplary embodiment of the present invention includes a communication unit that receives information on a payment related card that can be used in a store where a POS terminal having a Bluetooth module transmitted from a terminal is installed and identification information of the terminal; A storage unit for storing a plurality of settlement related cards issued to the terminal; Related cards which are usable in a store received from among a plurality of payment-related cards stored in advance in order to check payment-related cards available in a store where POS terminals equipped with Bluetooth modules are installed, And a control unit for controlling the communication unit to transmit to the terminal.

As an example related to the present invention, the control unit controls the communication unit to receive the payment information transmitted from the POS terminal after the settlement process by the POS terminal based on the payment related card selected from the transmitted one or more settlement related cards, And transmits the payment information to the terminal in the form of a push message.

A method of controlling a terminal according to an embodiment of the present invention includes searching for a POS terminal equipped with a Bluetooth module adjacent to a terminal through a communication unit when a specific application installed in advance is executed; Performing Bluetooth pairing with a POS terminal having a Bluetooth module retrieved through a control unit; Receiving store information transmitted from a POS terminal having a Bluetooth module via a communication unit and a settlement related card usable in a store; Checking a settlement related card corresponding to a settlement related card available in a store received from among a plurality of settlement related cards previously stored through the control unit; Transmitting information on a payment related card selected from one or more settlement related cards identified through the communication unit and identification information of the terminal to a POS terminal having a Bluetooth module; And receiving a push message including payment information processed by the POS terminal transmitted from the service providing apparatus in response to information on the payment related card transmitted through the communication unit.

A method of controlling a service providing apparatus according to an exemplary embodiment of the present invention includes receiving information on a payment related card and identification information of a terminal available in a store where a POS terminal equipped with a Bluetooth module transmitted from a terminal through a communication unit is installed; Checking a settlement related card usable in a store received from among a plurality of settlement related cards previously stored through the control unit; And transmitting at least one settlement related card registered in the terminal among the settlement related cards available in the store where the POS terminal equipped with the Bluetooth module is installed through the communication unit to the terminal.

A computer program for performing the control method according to the above-described embodiment may be stored in the recording medium on which the computer program according to the embodiment of the present invention is recorded.

The electronic wallet system according to the embodiment of the present invention searches a POS terminal having a Bluetooth module adjacent to the terminal when a specific application installed in advance is executed and performs Bluetooth pairing with the POS terminal having the retrieved Bluetooth module, Related cards that can be used in stores received from among a plurality of payment-related cards stored in advance based on store information transmitted from POS terminals having a Bluetooth module and payment-related cards available in stores, A terminal for confirming a settlement related card corresponding to the settlement related card and transmitting the information on the settlement related card selected from the at least one settlement related card and the terminal identification information to the POS terminal having the Bluetooth module; Store information on a location where the settlement card is stored, payment-related cards available in the store, perform a payment function based on information on a payment-related card transmitted from the terminal, A POS terminal having a Bluetooth module for transmitting identification information of the POS terminal; And a service providing device for transmitting the payment information transmitted from the POS terminal having the Bluetooth module to the terminal corresponding to the identification information of the terminal in the form of a push message.

The present invention reduces the load of the service providing apparatus and reduces the load on the service providing apparatus by performing a communication function with a POS terminal equipped with a Bluetooth module provided in a specific brand store in a terminal equipped with a specific app such as an electronic wallet app through Bluetooth, It has the effect of improving the system efficiency and increasing the management efficiency of the electronic wallet system.

In addition, the present invention can be applied to a point-of-sale (POS) terminal having a Bluetooth module provided in a specific store and a terminal having a communication function transmitted from a POS terminal equipped with the corresponding Bluetooth module, And performs a payment function through the payment related card registered in the terminal from the payment related card information available in the displayed store, thereby enhancing the convenience of the user and enhancing utilization of a specific application such as an electronic wallet app, To provide a variety of additional services and to improve customer information management and overall system efficiency.

1 is a block diagram showing a configuration of an electronic wallet system according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of an electronic wallet system according to an embodiment of the present invention.
3 is a block diagram illustrating a configuration of a terminal according to an embodiment of the present invention.
4 is a block diagram showing a configuration of a service providing apparatus according to an embodiment of the present invention.
Figure 5 6 is a signal flow diagram illustrating a communication process of an electronic wallet system according to an embodiment of the present invention.
6, FIG. 2 is a diagram illustrating a screen of a terminal according to an embodiment of the present invention;

It is noted that the technical terms used in the present invention are used only to describe specific embodiments and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be construed in a sense generally understood by a person having ordinary skill in the art to which the present invention belongs, unless otherwise defined in the present invention, and an overly comprehensive It should not be construed as meaning or overly reduced. In addition, when a technical term used in the present invention is an erroneous technical term that does not accurately express the concept of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art can be properly understood. In addition, the general terms used in the present invention should be interpreted according to a predefined or context, and should not be construed as being excessively reduced.

Furthermore, the singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. The term "comprising" or "comprising" or the like in the present invention should not be construed as necessarily including the various elements or steps described in the invention, Or may include additional components or steps.

In addition, terms including ordinals such as first, second, etc. used in the present invention can be used to describe elements, but the elements should not be limited by terms. Terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings.

1 is a block diagram showing a configuration of an electronic wallet system 10 according to an embodiment of the present invention.

1, the electronic wallet system 10 includes a terminal 11, a Web server 12, a WAS (Web Application Server) 13, a service providing device 14, an affiliate server 15, , And a DB server (Database Server) 16.

Not all of the components of the electronic wallet system 10 shown in Fig. 1 are essential components, and the electronic wallet system 10 may be embodied by more components than the components shown in Fig. 1, The electronic wallet system 10 may also be implemented by components.

The terminal (or user device) 11 is identified through unique identification information such as MDN (Mobile Directory Number), Mobile IP, mobile MAC, unique SIM card information, serial number, Lt; / RTI > At this time, the terminal 11 receives and stores payment related card information, coupon related information, gift certificate related information, and the like from the web server 12, and displays the corresponding information when executing a specific app or selecting a specific menu. At this time, the payment related card information includes an image or a video about the card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information / QR code information / NFC tag information / smart tag information . ≪ / RTI > In addition, the coupon related information may include an affiliate name, a coupon name, a coupon number, a benefit, a usage area, a usage period, a usage method, and the voucher related information includes an affiliate name, a voucher name, a voucher number, , Methods of use, and the like.

Also, the terminal 11 receives information related to a specific payment-related card, coupon, ticket, voucher, etc., selected by the user from the service providing apparatus 14 via the web server 12. [

The web server 12 confirms information stored in the DB server 16 through the WAS 13 in association with the terminal 11 based on the identification information transmitted from the terminal 11 and provides the information to the terminal 11 do.

When the issuance request for a payment related card, a coupon, a ticket, a voucher or the like is transmitted from the terminal 11 to the web server 12, the web server 12 transmits the request to the service providing apparatus 14 so that the service providing apparatus 14 (Or issuance) to the terminal 11 after receiving the related information from the affiliate server.

In this way, in response to the request of the terminal 11, the web server 12 acquires and provides the information stored in the DB server 16 via the WAS 13 or provides it to the affiliate server 15 to the terminal 11.

The Web application server (WAS) 13 (or the web application server) 13 transmits information stored in the DB server 16 to the web server 12 based on the identification information of the terminal 11 transmitted from the web server 12 And distributes the functions of the web server 12 to the terminal 11.

The service providing apparatus 14 may provide the terminal 11 with information according to the request of the terminal 11 based on the identification information of the terminal 11 transmitted from the web server 12, (15), and then provides it to the terminal (11).

For example, when receiving a request for issuance of a payment related card, a coupon, a ticket, a gift certificate, etc. from the terminal 11 via the web server 12, the service providing device 14 transmits the related information to the affiliate server And transmits it to the terminal (11).

That is, when the web server 12 receives the issuance request for the specific settlement related card from the terminal 11, the web server 12 transmits the issuance request together with the identification information of the terminal to the service providing apparatus 14. Thereafter, the service providing device 14 issues (or transmits) the corresponding settlement related card to the terminal 11 corresponding to the identification information, in response to the transmitted issuance request information for the corresponding settlement related card. At this time, the service providing apparatus 14 can receive (or transmit) the settlement related card from the affiliate server 15 to the terminal 11.

The partner server (or affiliate service apparatus) 15 is connected to the service providing apparatus 14 via a wired / wireless communication network. When a request for issuing a card related to the affiliate server 15 is transmitted from the service providing apparatus 14, And issues the related settlement related card to the terminal 11 through the service providing device 14. [

The DB server (database server) 16 is connected to the WAS 13 through a wired / wireless communication network and stores information corresponding to the identification information of the terminal 11 (for example, payment related card issuance information, / QR code / NFC tag / smart tag issuance information, bar code / QR code / NFC tag / smart tag usage information, point accumulation / usage information, coupon issuance / usage information, etc.).

The DB server 16 responds to the request of the web server 12 including the identification information of the specific terminal 11 and transmits information about the terminal 11 corresponding to the identification information to the web server 12 via the WAS 13, (12).

The electronic wallet system 10 may further include a coupon server (not shown) communicating with the service providing apparatus 14 or the affiliate server 15.

When there is a coupon issue request from the terminal 11, the web server 12 transmits the request to the service providing apparatus 14 after receiving the request from the terminal 11, and the service providing apparatus 14 transmits the coupon issue request (Or coupon service device) and then issues the coupon directly to the terminal 11 or issues the coupon to the terminal 11 through the web server 12. At this time, the coupon server can provide (or issue) the coupon from the affiliate server 15.

In response to the coupon issue request of the web server 12, the coupon server generates a corresponding coupon corresponding to the coupon issue request (or receives the coupon provided from the affiliate server 15) And issue the coupon to the terminal 11 corresponding to the included identification information.

2 is a block diagram showing a configuration of an electronic wallet system 100 according to an embodiment of the present invention.

2, the electronic wallet system 100 includes a terminal 110, a POS terminal 120 having a Bluetooth module, and a service providing apparatus 130. Not all of the components of the electronic wallet system 100 shown in Fig. 2 are essential components, and the electronic wallet system 100 may be embodied by more components than the components shown in Fig. 2, The electronic wallet system 100 may also be implemented by components.

After the terminal 110 performs Bluetooth pairing with the POS terminal 120 having the Bluetooth module installed in a specific store, the terminal 110 uses the Bluetooth terminal in the shop transmitted from the POS terminal 120 having the Bluetooth module Possible payment related cards are received through the communication network. Then, the terminal 110 confirms payment-related cards available in the store among payment-related cards registered in advance in the terminal. Then, the terminal 110 performs a settlement function using a settlement related card usable in the shop confirmed through interlocking between the POS terminal 120 having the Bluetooth module and the service providing apparatus 130.

3, the terminal 110 includes a communication unit 111, a storage unit 112, a display unit 113, and a control unit 114. Not all the components of the terminal 110 shown in Fig. 3 are essential components, and the terminal 110 may be implemented by more components than the components shown in Fig. 3, The terminal 110 may be implemented.

The communication unit 111 communicates with an internal component or at least one external terminal through a wired / wireless communication network. At this time, the external terminal may include a POS terminal 120 having a Bluetooth module, a service providing device 130, and the like.

Under the control of the control unit 114, the communication unit 111 transmits the store information (or merchant information) transmitted from the POS terminal 120 having the Bluetooth module, coupon information, and one or more settlement related cards Or payment related card information / payment means information) or a coupon.

The storage unit 112 stores a user interface (UI), a graphical user interface (GUI), and the like.

In addition, the storage unit 112 stores data and programs necessary for the terminal 110 to operate.

The storage unit 112 stores the store information and coupon information transmitted from the POS terminal 120 provided with the Bluetooth module adjacent to the terminal 110 under the control of the controller 114, (Or registers) a card or coupon.

In addition, the storage unit 112 stores payment related cards, coupons, vouchers, etc. issued by the service providing apparatus 130 under the control of the control unit 114. [ Here, the payment related card includes not only the membership card but also a credit card, a check card, a point card, and the like.

The display unit 113 can display contents such as a menu screen and the like using the user interface and the graphic user interface stored in the storage unit 112 under the control of the control unit 114. [ Here, the content displayed on the display unit 113 includes text or image data (including various information data) and a menu screen including data such as an icon, a list menu, and a combo box. Also, the display unit 113 may be a touch screen.

The control unit 114 executes the overall control function of the terminal 110. [

When a specific application such as an electronic wallet (digital wallet) installed in advance in the storage unit 112 is executed, the control unit 114 displays a specific application execution result screen corresponding to the specific application on the display unit 113 do. Here, the specific application execution result screen includes a wallet menu, an additional menu, an event / news menu, a more menu, and the like. At this time, the more menu includes an activity point menu, a household part menu, an integrated point inquiry menu, and a menu related to an SNS (Social Network Service). At this time, the wallet menu is a menu for storing information such as payment related cards, coupons, tickets, gift certificates, etc. installed or registered in the terminal 110 through a specific application. In addition, the additional menu is a menu for issuing a new payment card, coupon, ticket, and other classified items through a specific application. The event / news menu is a menu for confirming an event or announcement information transmitted from a service providing device or the like. Also, the activity point menu is a menu that provides a plurality of apps or related business information that can use an activity point associated with a plurality of preset apps and related activity points. In addition, the household block menu is a menu (or an app dedicated to a family member) that provides information such as the usage history of the card registered in the membership item of the in-wallet menu, the point use history, The integrated point inquiry menu is a menu showing point information of a card registered in the membership item of the in-wallet menu. Also, the SNS related menu is a menu related to a Facebook site linked to a specific app.

Also, when a specific application is executed, the control unit 114 identifies the terminal 110 through unique identification information such as an MDN of the terminal 110, a mobile IP, a mobile MAC, unique information of the SIM card, a serial number, And communicates with device 130. At this time, the control unit 114 transmits the identification information of the terminal 110 to the service providing apparatus 130 in the background state, and the service providing apparatus 130 identifies the terminal 110 based on the identification information, .

The controller 114 controls the Bluetooth module (not shown) included in the communication unit 111 when a predetermined menu is selected (or touched) The POS terminal 120 having the Bluetooth module adjacent to the terminal 110 is searched. At this time, the controller 114 initializes the Bluetooth module included in the communication unit 111 and searches for the POS terminal 120 having the Bluetooth module adjacent to the terminal 110 after the initialization process is completed It is possible.

The control unit 114 performs Bluetooth pairing with the POS terminal 120 having the searched Bluetooth module and communicates with the POS terminal 120 having the corresponding Bluetooth module.

The control unit 114 may also store the store information (or merchant information) of the store where the POS terminal 120 having the corresponding Bluetooth module, which is transmitted from the POS terminal 120 having the Bluetooth module received through the communication unit 111, ), Coupon information, and one or more settlement related cards (or payment related card information / payment means information) available in the store, in the storage unit 112. Here, the payment related card includes not only the membership card but also a credit card, a check card, a point card, and the like. In addition, the payment related card information may include an image or a video about the card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information / QR code information / NFC tag information / smart tag information .

In addition, the controller 114 checks whether the payment related card (or coupon) available in the received store is registered (or stored) in the terminal 110 in advance.

That is, the control unit 114 determines whether or not the payment-related card (or coupon) available in the store received from among a plurality of payment-related cards (or coupons) registered in advance (or stored) in the storage unit 112 Confirm (or search).

Also, the controller 114 may check whether there is a payment-related card registered in the storage unit 112 among the payment-related cards available in the received store.

As a result of checking, if the settlement related card usable in the corresponding store received from among the plurality of settlement related cards registered in advance in the storage unit 112 is not included, the control unit 114 controls the service providing apparatus 130 and the affiliate server Related card that is available in the store and stores the payment-related card that can be used in the store, which is issued from the service providing device 130, in the storage unit 112. In this case, Then, the control unit 114 displays one or more settlement related cards available in the issued store in the display unit 113 through a specific application.

In other words, if the settlement related card usable in the corresponding store received from among the plurality of settlement related cards registered in advance in the storage unit 112 is not included, the control unit 114 issues a payment related card And generates a request signal. Then, the control unit 114 transmits an issuance request signal for the settlement related card usable in the generated store to the service providing apparatus 130 through the communication unit 111. [ Thereafter, the service providing apparatus 130 receives via the communication unit 111 a settlement related card usable in the corresponding store issued through interlocking between the service providing apparatus 130 and the affiliate server. Then, the control unit 114 stores the settlement related card usable in the corresponding store issued from the service providing apparatus 130 in the storage unit 112 and displays it on the display unit 113 through the specific app.

If it is determined that a settlement related card usable in the corresponding store received from among a plurality of settlement related cards registered in advance in the storage unit 112 is included, the control unit 114 controls the storage unit 112 to store One or more settlement related cards corresponding to the settlement related cards available in the corresponding store received from among the plurality of settlement related cards (or the settlement related cards that can be used in the received store) corresponding to the settlement related cards available in the corresponding store are displayed on the display unit 113. At this time, one or more payment related cards displayed on the display unit 113 displays the payment related card having the highest benefit (or high) in the store at the top. That is, the controller 114 displays the one or more settlement related cards on the display unit 1130 in order of the payment related cards having the most benefit in the corresponding store. In addition, the controller 114 may display a recommendation mark previously set in an adjacent area of the settlement related card having the most benefit in the store.

When one of the payment related cards available in the store displayed on the display unit 113 is selected, the controller 114 displays information on the selected payment related card, identification information of the terminal 110 Etc. to the POS terminal 120 provided with the Bluetooth module through the communication unit 111. [ Here, the identification information includes the MDN of the terminal 110, the mobile IP, the mobile MAC, the unique information of the SIM card, the serial number, and the like.

That is, if any of the payment related cards selected from at least one settlement related card available in the store displayed on the display unit 113 is selected, the control unit 114 controls the POS terminal 120 and the service providing apparatus 130) to perform the settlement function using the settlement related card selected by the interlocking between the settlement related cards.

In addition, after the settlement function is performed through the POS terminal 120 having the Bluetooth module based on the transmitted payment related card information, the controller 114 controls the POS terminal 120 provided with the Bluetooth module Via the communication unit 111, payment information (for example, a payment amount, etc.) of the corresponding settlement related card transmitted through the device 130. [

In addition, the control unit 114 displays the received payment information on the display unit 113 through a specific application.

A POS (Point of Sale) terminal 120 communicates with the terminal 110, the service providing apparatus 130, and the like.

Also, the POS terminal 120 includes a Bluetooth module. Here, the POS terminal 120 is installed at a preset location (or store).

In addition, the POS terminal 120 can store the store information, coupon information, and one or more payment related cards (or payment related card information / payment means information) And maintains the latest information state based on the received information.

The POS terminal 120 communicates with the terminal 110 adjacent to the area where the POS terminal 120 having the Bluetooth module is located through Bluetooth pairing and is stored in the POS terminal 120 having the Bluetooth module (Or provides) at least one settlement related card (or settlement related card information / settlement means information) available at the store to the connected terminal 110.

In addition, the POS terminal 120 receives information on a payment related card transmitted from the terminal 110, identification information of the terminal 110, and the like. Here, the identification information includes the MDN of the terminal 110, the mobile IP, the mobile MAC, the unique information of the SIM card, the serial number, and the like.

In addition, the POS terminal 120 performs a settlement function based on information on the received settlement related card.

In the exemplary embodiment of the present invention, the payment function is performed through the payment related card registered in advance in the terminal 110. However, the present invention is not limited to this, Function may be performed.

In other words, the POS terminal 120 having the Bluetooth module transmits a settlement related card, a coupon, a gift certificate, etc. that can be used in the store to the terminal 110. Thereafter, the terminal 110 transmits a settlement related card that can be used in the corresponding store transmitted from the POS terminal 120 having the Bluetooth module among a plurality of settlement related cards, coupons, and vouchers registered in advance in the terminal 110, Coupon or voucher, and performs a payment function through the POS terminal 120 provided with the Bluetooth module by the payment related card, coupon or coupon or voucher selected from the confirmed payment related card, coupon, or voucher It is possible.

The POS terminal 120 stores settlement information of the settlement related card (including payment amount, etc.), store information of the store where the POS terminal 120 is located, and identification information of the terminal 110, (130). The store information of the store in which the POS terminal 120 is located includes the identification information of the POS terminal 120, the unique information of the POS terminal 120, the unique information of the store where the POS terminal 120 is located, And information on the Bluetooth module provided in the mobile communication terminal. At this time, the information on the Bluetooth module includes the model name, unique code (or identification information) of the Bluetooth module, and the like.

4, the service providing apparatus 130 includes a first communication unit 131, a first storage unit 132, a first display unit 133, and a first control unit 134. Not all of the components of the service providing apparatus 130 shown in FIG. 4 are essential components, and the service providing apparatus 130 may be implemented by more components than the components shown in FIG. 4, The service providing apparatus 130 may also be implemented by a component.

The first communication unit 131 communicates with an internal component or at least one external terminal through a wired / wireless communication network. At this time, the external terminal may include a terminal 110, a POS terminal 120 having a Bluetooth module, and the like.

The first communication unit 131 may store payment information transmitted from the POS terminal 120 having the Bluetooth module, store information of the store where the POS terminal 120 having the Bluetooth module is located, identification information of the terminal 110 Lt; / RTI >

The first storage unit 132 stores a user interface (UI), a graphical user interface (GUI), and the like.

Also, the first storage unit 132 stores data and programs necessary for the service providing apparatus 130 to operate.

The first storage unit 132 stores the received payment information, store information of the store where the POS terminal 120 having the Bluetooth module is located, identification information of the terminal 110, and the like.

The first display unit 133 can display a content such as a menu screen using the user interface and the graphic user interface stored in the first storage unit 132 under the control of the first control unit 134. [ Here, the content displayed on the first display unit 133 includes text or image data (including various information data) and a menu screen including data such as an icon, a list menu, and a combo box. Also, the first display unit 133 may be a touch screen.

The first control unit 134 executes the overall control function of the service providing apparatus 130. [

When the settlement related card usable in the store where the terminal 110 is located is not registered in the terminal 110, the first controller 134 receives a payment request And receives the issuance request signal for the above-mentioned settlement related card through the first communication unit 131. [

In addition, the first control unit 134 interlocks with an affiliate server (not shown) corresponding to the corresponding payment related card based on the issuance request signal for one or more payment related cards received from the corresponding affiliate server, . Then, the first controller 114 issues (or transmits) the corresponding payment-related card (or the payment-related card usable in the store) to the corresponding terminal 110 through the first communication unit 131.

Also, the first control unit 134 generates a push message including the payment information transmitted from the POS terminal 120.

The first control unit 134 transmits a push message including the generated payment information to the POS terminal 120 having the Bluetooth module via the first communication unit 131, To the corresponding terminal (110).

The POS terminal 120 having the Bluetooth module transmitted from the POS terminal 120 having the Bluetooth module in the terminal 110 can receive the payment related card that is available in the store, Related card corresponding to a settlement related card usable in the store, among the plurality of settlement related cards previously registered in the POS terminal. However, the present invention is not limited to this, The function of confirming the settlement related card that can be used in the store where the terminal 120 is installed may be performed in the service providing apparatus 130. [

That is, the terminal 110 transmits identification information of the terminal 110 together with store information (or merchant information) transmitted from the POS terminal 120 having the Bluetooth module, coupon information, payment related cards available in the store, To the providing device (130). Then, the service providing apparatus 130 confirms (or searches) one or more settlement related cards corresponding to settlement related cards available in the corresponding store received from among the plurality of settlement related cards previously issued to the corresponding terminal 110. [ Thereafter, the service providing device 130 transmits to the corresponding terminal 110 a settlement related card usable in one or more of the identified stores. Then, the terminal 110 transmits, to the service providing apparatus 130, a POS terminal 120 having a Bluetooth module based on one of the settlement related cards selected from settlement related cards available in the one or more stores, And can perform the payment function through interlocking with the providing device 130 and the like.

In the embodiment of the present invention, the POS terminal 120 having the Bluetooth module performs the payment function based on the information on the payment related card transmitted from the terminal 110, but the present invention is not limited thereto , And the corresponding payment function may be performed in the service providing apparatus 130.

That is, the POS terminal 120 having the Bluetooth module receives information on the payment related card transmitted from the terminal 110, identification information of the terminal 110, and the like. Then, the POS terminal 120 transmits information on the received payment related card, identification information of the terminal 110, store information of the store where the POS terminal 120 is located, and the like to the service providing apparatus 130. Thereafter, the service providing device 130 performs a payment function based on the information on the received payment related card. The service providing apparatus 130 then transmits the payment information (including the payment amount, etc.) of the settlement related card to the corresponding terminal 110 corresponding to the POS terminal 120 and the identification information of the terminal 110 Respectively.

In this manner, a terminal equipped with a specific app such as an electronic wallet app can communicate with a POS terminal equipped with a Bluetooth module provided in a specific brand store through Bluetooth, which is a non-contact type.

In this way, the POS terminal having the Bluetooth module provided in the specific store and the terminal performing the communication function can transmit the payment related card information available in the corresponding shop transmitted from the POS terminal having the corresponding Bluetooth module to a specific application And can perform a payment function through the payment related card registered in the terminal from the payment related card information available in the displayed store.

Hereinafter, a control method of the electronic wallet system according to the present invention will be described in detail with reference to FIGS. 1 to 6. FIG.

Figure 5 6 is a signal flow diagram illustrating a communication process of an electronic wallet system according to an embodiment of the present invention.

First, when a specific application such as an electronic wallet app installed in the terminal 110 is executed or a preset menu (or function / service) included in the execution result screen is selected, The POS terminal 120 having the Bluetooth module is searched.

In addition, the terminal 110 displays an execution result screen on the display unit 113, and is capable of communicating with the service providing apparatus 130 through a wired / wireless communication network in a background state.

For example, when an electronic wallet app installed in the terminal 110 is executed, the terminal 110 searches for one or more POS terminals 120 having a Bluetooth module adjacent to the terminal 110 (S510).

Then, the terminal 110 performs Bluetooth pairing with the POS terminal 120 having the searched Bluetooth module, and communicates with the POS terminal 120 (S520).

The terminal 110 then transmits the store information (or merchant information) about the store where the POS terminal 120 having the corresponding Bluetooth module is transmitted from the POS terminal 120 having the Bluetooth module, coupon information, One or more settlement related cards (or payment related card information / payment means information) that can be used, and the like. Here, the payment related card includes not only the membership card but also a credit card, a check card, a point card, and the like. In addition, the payment related card information may include an image or a video about the card, an affiliate name, a card name, a card number, an expiration date, a benefit, an annual fee, barcode information / QR code information / NFC tag information / smart tag information .

In addition, the terminal 110 confirms whether the settlement related card usable in the received store is registered (or stored) in the terminal 110 in advance.

That is, the terminal 110 confirms whether or not the settlement related card usable in the corresponding store received from among the plurality of settlement related cards registered in advance in the terminal 110 is included.

For example, the terminal 110 may receive a payment-related card such as a △ Δ card, a □ □ card, etc., which can be used at a store where the POS terminal 120 having the corresponding Bluetooth module is located, transmitted from the POS terminal 120 having the Bluetooth module. . Thereafter, the terminal 110 determines whether or not the available △ Δ card and □ □ card available in the store received from among the previously registered ○○ card, ΔΔ card, □□ card, ◇◇ card and ☆☆ card (S530).

Thereafter, if the settlement-related card usable in the corresponding store received from among the plurality of settlement-related cards registered in advance in the terminal 110 is not included in the store, the terminal 110 transmits the settlement-related card to the service providing apparatus 130 and the affiliate server (Not shown), the card issuing process for the settlement related card usable in the store is performed. Then, the terminal 110 stores the settlement related card usable in the corresponding store issued from the service providing apparatus 130 in the terminal 110.

Also, the terminal 110 displays one or more settlement related cards usable in the corresponding store.

For example, when the terminal 110 does not include the available △ Δ card and □ □ card that are used in the store received from among the ◯◯ card, ◇ ◇ card, and ✩ card previously registered in the terminal 110, (?) Card or?? Card issued from the service providing apparatus 130 through the interlocking with the providing apparatus 130 and displays the registered? ?? card or?? Card (S540) .

If it is determined that the settlement related card is available from the plurality of settlement related cards registered in advance in the terminal 110, the terminal 110 receives One or more payment related cards corresponding to the payment related cards available in the corresponding store (or payment related cards that are available in the received store). At this time, one or more settlement related cards displayed on the terminal 110 may display a settlement related card having the most benefit in the store at the top, or may display a predetermined recommendation mark beside the corresponding settlement related card.

For example, when the mobile communication terminal 100 includes the △△ card and the □□ card which are available in the store received from among the ○○ card, △△ card, □□ card, ◇◇ card and ☆☆ card registered in advance in the terminal 110 , The terminal 110 displays (610) the corresponding △ Δ card and □ □ card, which are settlement related cards that can be used in the store, as shown in FIG. At this time, as shown in Fig. 6, the terminal 110 displays the △ Δ card 611 having more benefits than the □ □ card 612 at the top. 6, the terminal 110 may display the recommendation mark 620 on the adjacent portion of the △ Δ card, which is more advantageous than the ◯ ◯ card. 6, the terminal 110 displays the payment-related cards 630 excluding the payment-related cards available in the shop from among a plurality of payment-related cards registered in a specific application in a partial area (S550).

When one of the payment-related cards registered in the terminal 110 among the payment-related cards available in the corresponding store displayed on the terminal 110 is selected, the terminal 110 transmits the payment- And identification information of the terminal 110 to the POS terminal 120 provided with the corresponding Bluetooth module.

For example, when the △△ card 611 is selected from the △△ card 611 and the □ □ card 612 shown in FIG. 6, the terminal 110 transmits information about the selected △ Δ card, To the POS terminal 120 having the corresponding Bluetooth module (S560).

Then, the POS terminal 120 having the Bluetooth module receives the payment related card transmitted from the terminal 110, the identification information of the terminal 110, and the like.

Also, the POS terminal 120 equipped with the Bluetooth module performs a payment function based on the received information on the payment related card.

For example, the POS terminal 120 equipped with the Bluetooth module performs a settlement function using the corresponding? Δ card based on information on the received?

The POS terminal 120 having the Bluetooth module transmits payment information (for example, a payment amount, etc.) of the settlement-related card or coupon to the POS terminal 120, store information of the store where the POS terminal 120 is located 120 or the unique information of the POS terminal 120 or the identification information unique to the store where the POS terminal 120 is located or the information on the Bluetooth module provided in the POS terminal 120) To the service providing apparatus (130). Here, the information on the Bluetooth module includes a model name of the Bluetooth module, a unique code (or identification information), and the like.

For example, the POS terminal 120 having the Bluetooth module can receive settlement information including a settlement amount through the △ Δ card, store information (eg, ◎ ◎ restaurant) of the store where the POS terminal 120 is located, To the service providing apparatus 130 (S580).

The service providing apparatus 130 receives payment information transmitted from the POS terminal 120 having the Bluetooth module, store information of the store where the POS terminal 120 is located, identification information of the terminal 110, and the like.

The service providing apparatus 130 transmits the received payment information to the corresponding terminal 110 corresponding to the identification information of the terminal 110 in the form of a push message (S590).

Then, the terminal 110 receives a push message including payment information transmitted from the service providing apparatus 130. [

In addition, the terminal 110 displays the payment information included in the received push message through a specific application (S600).

The control method of the terminal and the service providing apparatus according to the embodiment of the present invention can be written in a computer program, and the codes and code segments constituting the computer program can be easily deduced by a computer programmer in the field. In addition, the computer program is stored in a computer readable medium readable by a computer and read and executed by a computer, a terminal, a POS terminal, a service providing apparatus according to an embodiment of the present invention, A control method of the apparatus can be implemented.

The information storage medium includes a magnetic recording medium, an optical recording medium, and a carrier wave medium. The computer program implementing the control method of the terminal and the service providing apparatus according to the embodiment of the present invention can be stored and installed in a built-in memory such as a terminal, a POS terminal, and a service providing apparatus. Alternatively, an external memory such as a smart card storing and installing a computer program implementing the control method of the service providing apparatus according to the embodiment of the present invention may be installed in the terminal, the POS terminal, the service providing apparatus or the like through the interface .

As described above, the embodiment of the present invention performs a communication function with a POS terminal having a Bluetooth module provided in a specific brand store in a terminal equipped with a specific app such as an electronic wallet app through Bluetooth, which is a non-contact type, The load of the service providing apparatus can be reduced, the system efficiency of the entire electronic wallet system can be improved, and the management efficiency can be increased.

As described above, the embodiment of the present invention can be applied to a POS terminal having a Bluetooth module provided in a specific store and a terminal capable of communicating with the POS terminal, Related card information is displayed through a specific application and a payment function is performed through a payment related card registered in the terminal from the payment related card information available in the displayed store to improve the convenience of the user, Improve the utilization of the same specific app, provide various additional services to users, improve customer information management and overall system efficiency.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

The present invention is characterized in that a POS terminal having a Bluetooth module provided in a specific store and a terminal performing a communication function display a payment related card usable in a corresponding store transmitted from a POS terminal having the Bluetooth module, Related card information that is registered in the terminal, thereby enhancing the convenience of the user, enhancing utilization of a specific application such as an electronic wallet app, providing various additional services to the user It improves customer information management and overall system efficiency. It can be widely used in electronic commerce, marketing, finance, and short-range wireless communications.

10, 100: Electronic wallet system 11, 110: Terminal
12: Web server 13: WAS
14, 130: service providing device 15: affiliate server
16: DB server 120: POS terminal
111: communication unit 112:
113: Display unit 114:
131: first communication unit 132: first storage unit
133: first display section 134: first control section

Claims (12)

A display unit for displaying a specific application execution result screen;
A communication unit for searching for a POS terminal equipped with a Bluetooth module adjacent to a terminal when a specific application installed in advance is executed and communicating with the outside;
A storage unit for storing a plurality of settlement related cards interlocked with the specific app; And
The portable terminal communicates with the POS terminal having the Bluetooth module by performing Bluetooth pairing with the POS terminal having the searched Bluetooth module and stores the store information transmitted from the POS terminal having the Bluetooth module, Related card corresponding to the settlement related card usable in the received store from among the plurality of settlement related cards stored in advance, and transmits the payment-related card selected from the one or more payment related cards And controlling the communication unit to transmit the information on the related card and the identification information of the terminal to the POS terminal having the Bluetooth module. The method according to claim 1,
Wherein the control unit confirms a settlement related card usable in the received store from a plurality of payment related cards stored in advance. The method according to claim 1,
Wherein the payment related card is one of a membership card, a credit card, a check card, and a point card. The method according to claim 1,
Wherein the communication unit receives a push message including payment information processed by the POS terminal transmitted from the service providing apparatus in response to the transmitted information on the payment related card. The method according to claim 1,
Wherein the control unit is operable when the payment related card corresponding to the payment related card usable in the received store is not included among the plurality of payment related cards stored in advance, Related card, and registers the settlement-related card usable in the store, which is issued from the service providing apparatus, to the specific app. The method according to claim 1,
Wherein the control unit controls the display unit to display the confirmed one or more settlement related cards, and the one or more settlement related cards displayed on the display unit are displayed in the order of the payment related cards having the benefit in the store, And a recommendation mark set in advance is displayed in a neighboring area of many settlement related cards. A communication unit for receiving information on a settlement related card usable in a store where a POS terminal equipped with a Bluetooth module transmitted from a terminal is installed and identification information of the terminal;
A storage unit for storing a plurality of settlement related cards issued to the terminal; And
Related card which is usable in the store among the plurality of payment-related cards previously stored in order to check a settlement-related card usable in a store where the POS terminal having the Bluetooth module is installed, And a controller for controlling the communication unit to transmit the payment related card to the terminal. 8. The method of claim 7,
Wherein the control unit controls the communication unit to receive payment information transmitted from the POS terminal after payment processing by the POS terminal based on the payment related card selected from the transmitted payment related cards, And controls the communication unit to transmit the payment information to the terminal in the form of a push message. Searching for a POS terminal equipped with a Bluetooth module adjacent to a terminal through a communication unit when a specific application installed in advance is executed;
Performing Bluetooth pairing with the POS terminal having the searched Bluetooth module through a control unit;
Receiving the store information transmitted from the POS terminal having the Bluetooth module and the settlement related card usable in the store through the communication unit;
Checking a settlement related card corresponding to a settlement related card available in the received store from among a plurality of settlement related cards previously stored through the control unit;
Transmitting to the POS terminal having the Bluetooth module information on the payment related card selected from among the one or more payment related cards identified through the communication unit and the identification information of the terminal; And
And receiving a push message including payment information processed by the POS terminal transmitted from the service providing device in response to the transmitted information on the payment related card through the communication unit. Receiving information on a settlement related card usable in a store where a POS terminal equipped with a Bluetooth module transmitted from a terminal through a communication unit is installed and identification information of the terminal;
Checking a settlement related card usable in the store from among a plurality of settlement related cards previously stored through the control unit; And
And transmitting at least one settlement related card registered in the terminal to the terminal from the settlement related cards available in the store where the POS terminal having the Bluetooth module is installed through the communication unit. 11. A recording medium on which a computer program for performing the control method according to any one of claims 9 to 10 is recorded. A POS terminal having a Bluetooth module adjacent to the terminal is searched when a specific application installed in advance is executed and Bluetooth pairing with a POS terminal having the searched Bluetooth module is performed to communicate with a POS terminal having the Bluetooth module A settlement related card corresponding to a settlement related card usable in the received store from a plurality of settlement related cards stored in advance based on store information transmitted from a POS terminal having the Bluetooth module and settlement related cards usable in a store, A terminal for transmitting information on a payment related card selected from among the at least one settlement related card and the identification information of the terminal to the POS terminal having the Bluetooth module;
Stores information on a store in a location and a payment related card available in a store, performs a payment function based on information on the payment related card transmitted from the terminal, and displays payment information of the payment related card, A POS terminal having the Bluetooth module for transmitting information and identification information of the terminal; And
And a service providing device for transmitting the payment information transmitted from the POS terminal having the Bluetooth module to the terminal corresponding to the identification information of the terminal in the form of a push message.

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