KR20160023058A - The mobile barcode payment system and method - Google Patents

Abstract

The present invention relates to a mobile barcode payment system and method. More specifically, an application installed in a smartphone receives payment barcode information from a barcode authentication server, transmits a payment barcode scanned by a barcode scanner of a member store′s POS and payment information to the barcode authentication server, transmits payment barcode confirmation information to the barcode authentication server, compares a payment barcode received from the member store to the payment barcode confirmation information received from a payer mobile, and sends a request for identifying whether a payment is available to a payment server when there is no abnormality. The barcode authentication server receives information on whether the payment is available from the payment server, transmits payment determination information to the application, transmits payment information to the payment server to send a request for payment approval thereto when the payment determination information is received by the barcode authentication server after a user confirms the payment determination information, receives payment approval information from the payment server, and transmits the payment approval information to the payer and the member store.

Description

The present invention relates to a mobile barcode payment system and method,

The present invention relates to a mobile barcode payment system and method, and more particularly, to a mobile barcode payment system and method in which a smartphone application receives payment barcode information from a barcode authentication server and transmits payment barcode information scanned by a barcode scanner of a merchant POS to a barcode authentication server The application transmits the payment barcode check information to the barcode authentication server, compares the payment barcode information received from the merchant with the payment barcode check information, confirms the payment barcode information, and requests payment approval to the payment server. A mobile barcode payment system and method for transferring payment information to an application and confirming payment information by a user, and when the payment confirmation information is received by the barcode authentication server, transferring final payment information to a payment server to complete payment .

Generally, when a payment is made using a bar code as a settlement identifier, the bar code is exposed to another person to prevent monetary damage, and it is desired to block payment from another device through confirmation information on whether the payer's mobile device has executed the application .

As the use of smart phones increases, a technology that enables payment of barcode settlement by the payer for safer settlement with merchants is needed.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a mobile barcode payment system and a method thereof, in which a payer can securely make payment using a barcode.

According to an aspect of the present invention, there is provided a mobile payment method performed by a payment system including at least one barcode authentication server and at least one retailer terminal, the mobile payment method comprising the steps of: (a) Receiving the request including the user identification information in the payment barcode request information, transmitting the user identification information to the payment server, receiving the user authentication information from the payment server, generating the payment barcode information, and transmitting the payment barcode information to the user terminal; (b) receiving the payment barcode from the user terminal, transmitting the payment information for the goods corresponding to the order information and the payment barcode to the barcode authentication server, and transmitting the payment confirmation information to the barcode authentication server at the user terminal; Comparing the payment information received by the bar code authentication server with the payment confirmation information received from the user terminal and transmitting the payment information and the user identification information to the payment server when it is confirmed that there is no problem in payment; (c) The payment server receives the payment information and the user identification information from the barcode authentication server, inquires of the user whether payment is possible, and transmits the payment information to the barcode authentication server. The payment server transmits the payment payment information from the barcode authentication server to the user terminal step; (d) When the user terminal confirms the payment determination information received from the bar code authentication server and transmits the payment determination information to the bar code authentication server, the bar code authentication server that has received the payment determination information transmits the payment approval information to the payment server And receiving settlement approval information from the settlement server and transmitting settlement approval information to the user terminal and the store terminal.

Preferably, the method may further include: (b) the user terminal may transmit the payment confirmation information to the bar code authentication server automatically by pressing the confirmation button manually or by a predetermined time according to the setting.

Preferably, the user terminal outputs the settlement barcode, which is obtained by changing the settlement barcode information into the barcode format, on the screen, and the store terminal can receive the settlement barcode into the scanner.

Preferably, the retailer terminal can receive the number of the payment barcode in the shopping mall settlement screen of the online shopping mall server.

According to another aspect of the present invention, there is provided a mobile payment system including at least one barcode authentication server and at least one retailer terminal, the barcode authentication server comprising: And transmits the user identification information to the payment server and receives the user authentication information from the payment server to generate payment barcode information and transmits the payment barcode information to the user terminal. The store terminal receives the payment barcode from the user terminal, And transmits the payment confirmation information and the payment barcode to the barcode authentication server in the user terminal and transmits the payment information and the payment barcode received from the retailer terminal in the barcode authentication server to the user terminal Compare the payment confirmation information to the one on the payment The payment server receives the payment information and the user identification information from the barcode authentication server and inquires of the user whether payment is possible and then transmits the payment allowable information to the barcode authentication server The user terminal transmits the payment determination information to the barcode authentication server. When the user terminal confirms and confirms the payment determination information received from the barcode authentication server, the user terminal transmits the payment determination information to the barcode authentication server, Wherein the authentication server transmits the payment approval information to the user terminal and the retail store terminal by receiving the payment approval information from the payment server when the payment approval information is transmitted to the payment server.

According to another aspect of the present invention, there is provided a computer readable recording medium storing a program for realizing the mobile barcode payment method.

According to the present invention, since the settlement can not be made with the payment barcode exposed at the offline or online merchant, the mobile barcode settlement can be safely and easily performed.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 illustrates a mobile barcode payment system and method according to the present invention. FIG.
2 is a block diagram of a mobile barcode payment system according to the present invention;
3 is a flowchart illustrating a mobile barcode payment method according to the present invention.

The present invention is capable of various modifications and various forms, and specific embodiments are illustrated in the drawings and described in detail in the text. It should be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but on the contrary, is intended to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

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

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprising" or "having ", and the like, are intended to specify the presence of stated features, integers, steps, operations, elements, parts, or combinations thereof, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.

Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning in the context of the relevant art and are to be interpreted as ideal or overly formal in meaning unless explicitly defined in the present application Do not.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a diagram illustrating a mobile barcode payment system and method according to the present invention.

1, the mobile barcode payment system according to the present invention includes at least one barcode authentication server 110_1 to 110_n, at least one retailer terminal 120_1 to 120_n, and at least one user terminal 130_1 to 130_n.

In the present invention, the barcode authentication servers 110_1 to 110_n means a server for providing settlement with a payment barcode in a smartphone application, and the retailer terminals 120_1 to 120_n are terminals installed in a retail store and functions of a cash register and a computer terminal are combined (POS) terminal and a shopping mall server providing a payment screen of an online shopping mall homepage.

The point of sale (POS), which combines the functions of a cash register and a computer terminal, is an off-line wholesale and retail store that does not discriminate between coffee shops, supermarkets, discount stores, convenience stores, stationeries, garment stores, Means the store where the terminal is installed. The retailer performs a payment barcode scan, a payment approval request, and a payment approved receipt for the goods ordered by the user using the store terminals 120_1 to 120_n.

The user terminals 130_1 to 130_n can connect to the bar code authentication servers 110_1 to 110_n via the Internet using 3G, 4G mobile communication or Wi-Fi such as a mobile phone, a smart phone, or a tablet computer, . The user terminals 130_1 to 130_n can access the barcode authentication servers 110_1 to 110_n using a dedicated application installed in a smart phone or a tablet computer.

First, a case where a user accesses a specific bar code authentication server 110_1 with his / her own user terminal 130_1 to settle a product will be described as an example.

When a user decides to purchase a specific commodity by executing an application operated by the barcode authentication server 110_1 through the user terminal 130_1, the user identification number and the payment barcode request information, which are issued from the payment server, When it is sent to the authentication server 110_1, the barcode authentication server 110_1 sends the user identification number to the payment server 140,

Receives the user identification number, confirms whether the user is registered as a payment user, sends the verified user information to the barcode authentication server 110_1, generates payment barcode information with the user information received in the barcode authentication server 110_1, When the payment barcode information is transmitted to the terminal 130_1, the user terminal 130_1 outputs the barcode image and the barcode number to the user terminal 130_1 application screen with the received payment barcode information, and the user transmits the payment barcode to the store terminal 120_1 To 120_n) bar code scanners. On the other hand, the settlement barcode number of the online shopping mall homepage can be inputted.

The payment barcode is generated when the user orders the payment barcode from the retailer as payment information at the retail store when the user orders the merchandise ordered by the user. The payment barcode is generated with a random random number and can be delivered to the user and used for payment.

The payment server 140 is a server for processing account transfer and credit card payment, and is a server for account transfer and credit card settlement installed in a van (VAN) company and / or a card company or a bank.

The barcode authentication servers 110_1 to 110_n should be installed in a network environment such as a VAN company and / or a card company or a bank, such as a payment server 140.

FIG. 2 is a block diagram illustrating a mobile payment barcode system according to the present invention, and FIG. 3 is a flowchart illustrating a mobile barcode payment method according to the present invention.

The mobile barcode settlement method according to the present invention is essentially the same as the mobile barcode settlement system according to the present invention, and will be described below.

Referring to FIG. 2, the mobile barcode payment system 100 according to the present invention includes a barcode authentication server 110 and a retailer terminal 120, and may further include a user terminal 130.

2, the barcode authentication server 110, the retailer terminal 120, and the user terminal 130 are shown as one for the sake of convenience of description. However, the barcode authentication server 110, the retailer terminal 120, Each of the terminals 130 may exist in at least one or more than one.

The user terminal 130 includes a barcode management unit 132 connected to the barcode authentication server 110 via mobile communication or Wi-Fi as a portable terminal carried by the user, for managing payment barcode information, And a payment information output unit 134 for outputting payment information and / or payment barcode on the screen.

The barcode authentication server 110 is connected to the user terminal 130 through a wireless communication network and performs a payment barcode management required for payment and a payment server 140. The barcode authentication server 110 includes a barcode management unit 111, A settlement completion unit 112, a settlement unit 113, and a fee processing unit 114. [

The store terminal 120 is connected to the barcode authentication server 110 via a wireless or wired communication network and includes a inquiry request unit 121, a completion input unit 122, a receipt output unit 123, And a receiving unit 124.

The application 131 of the user terminal 130 means a dedicated program installed in the smart terminal for performing a specific function such as a smart phone or a tablet computer. The application 131 of the user terminal 130 includes a barcode management unit 132, a payment unit 133 And the payment information output unit 134 may be program modules executed in the application 131. [

The barcode management unit 111 of the barcode authentication server 110 means a module for generating and managing payment barcodes for payment.

The user accesses the barcode management unit 111 through the application 131 of the user terminal 130 and requests the barcode authentication server 110 for the payment barcode information to make a payment (S10).

Step S10 will be described in more detail.

First, the application 131 of the user terminal 130 is in a state of being registered as a user in the payment server 140. In the step of ordering goods at an offline or online merchant and making payment, The billing barcode information that is issued to enable the payment server 140 to use only the payment identification number in a barcode format within a limited time so that the user can settle the amount of money that the user can pay for the payment, To the barcode authentication server 110, the authenticated user identification information in the application 131 of the user terminal 130 by issuing the issuance request.

The barcode authentication server 110 sends the user identification information received from the user terminal 130 to the payment server 140 to confirm that the user is a registered user in the payment server 140. In S20,

The payment server 140 inquires the registered user information about the registered user information and sends it to the barcode authentication server 110 including the confirmed user identification number (S30)

When the user terminal 130 sends the payment barcode information including the payment information to the barcode authentication server, the payment information may be sent to the user information sent from the barcode authentication server 110 to the payment server 140. In this case, The server 140 can compare the balance of the user who can not settle the payment amount with the balance of the user who can use the payment information and send the payment information to the barcode authentication server 110 in the user information, ) And the settlement inquiry result (S110) may be omitted.

The barcode authentication server 110 generates a payment barcode by checking whether payment is possible to distinguish whether the user is a payment user in the user information received from the payment server 140. (S40)

Meanwhile, the generated payment barcode includes a random number composed of alphanumeric numbers not issued within a predetermined period and a number capable of identifying the payment server 140.

The barcode authentication server 110 sends the settlement barcode information including the generated settlement barcode and the issuance authentication information that the issuance is normal to the user terminal 130. (S50)

The user scans the user terminal 130 with the bar code scanner connected to the retail shop terminal 120 with the bar code outputted on the screen of the application 131 with the payment bar code information received by the bar code authentication server 110. In operation S60,

The barcode management unit 132 in the application 131 of the user terminal 130 generates a barcode image with the payment barcode number from the payment barcode information received from the barcode authentication server 110 and stores the output time while outputting the barcode image to the screen.

If the retailer terminal 120 is an online shopping mall instead of an offline merchant, the user directly inputs the number indicated by the barcode image to the payment barcode input field of the shopping mall settlement screen and is transmitted to the store terminal 120 as a shopping mall server.

The inquiry request unit 121 of the retailer terminal 120 transmits the scanned payment barcode number to the payment unit 122 and the payment unit 121 transmits the payment information including the payment barcode to the barcode authentication server 110 (S70) The payment information received by the payment unit 113 is compared with payment information received from the user terminal 130. (S90)

When the user scans the bar code and then presses the scan completion button on the screen of the application, the payment unit 133 of the user terminal 130 sends the payment confirmation information to the barcode authentication server 110. (S80)

The payment confirmation information is automatically sent to the barcode authentication server 110 at a predetermined time after the user presses the scan completion button and the payment barcode is displayed on the screen.

If it is determined that the payment barcode numbers included in the comparison between the payment information and the payment confirmation information are identical to each other, the barcode authentication server 110 checks whether the reception time of the payment information and the payment confirmation information are within a predetermined range. To the payment server 140 whether the payment is possible or not.

The reason why the settlement barcode in the user terminal 130 is compared with the settlement barcode scanned in the store terminal 120 is to prevent others from stealing the settlement barcode for a bad purpose.

In addition, in order to eliminate traffic for unnecessary transactions when the payment barcode is transmitted to the payment server 140 without verifying the payment barcode.

The barcode authentication server 110 sends inquiry information about the user identification number and the settlement amount including the generated settlement enablement information to the settlement server 140 for inquiring about the settlement possibility (S100). (S100)

The payment server 140 inquires the settlement amount with the user identification number of the inquiry information about the settlement possible and sends the inquiry result information including the user identification number and the settlement amount to the barcode authentication server 110. [ )

The barcode authentication server 110 compares the settlement amount with the settlement amount of the settlement information received from the store terminal 120 in the inquiry result information to make a decision as to whether settlement is possible and transmits the settlement decision information on the result to the user terminal 130 in step S120.

The user terminal 130 outputs the payment determination information received by the payment unit 133 to the payment information output unit 134 so that the user can confirm it on the application screen.

When the user clicks the payment button on the payment determination information, the payment decision confirmation information is sent to the barcode authentication server 110 (S130)

The bar code authentication server 110 transmits payment approval information including the payment information received from the retailer terminal 120 and the user identification number received from the user terminal 130 to the actual payment confirmation information Generated by the settlement completion unit 112, and transmitted to the settlement server 140 (S140)

The payment server S140 confirms the received payment approval information and sends the payment approval result information to the barcode authentication server 110 (S150)

The barcode authentication server 110 sends the payment approval result information received from the payment completion unit 112 to the user terminal 130 and the retailer terminal 120 (S160, S170)

The user terminal 130 transfers the received payment approval result information from the payment unit 133 to the payment information output unit 134 and outputs it to the screen of the application.

The retailer terminal 120 transfers the received payment approval result information from the payment unit 122 to the receipt output unit 123 and outputs it as a paper receipt in the case of POS and in a payment completion screen in the case of an online shopping mall.

The fee processing unit 114 of the barcode authentication server 110 calculates a commission corresponding to a predetermined portion of the payment amount and provides the calculated fee to the store where the store terminal 120 is installed.

According to the present invention, it is possible to securely make settlement through a process of blocking the use of the settlement barcode and confirming the user, thereby enabling the offline, online ordering and payment method according to the present invention.

The method of the present invention can also be embodied as computer readable code on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and may be implemented in the form of a carrier wave (for example, transmission via the Internet) . The computer-readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention. Accordingly, the scope of protection of the present invention should be construed in accordance with the following claims, and all technical ideas within the scope of equivalents and equivalents thereof should be construed as being covered by the scope of the present invention.

110, a barcode authentication server 120,
130, a user terminal 140. A payment server

Claims (2)

An offline and online order settlement method performed by an offline and online order settlement system including at least one or more barcode authentication servers, at least one store terminal, and at least one user terminal,
(a) the barcode authentication server receives a request including user identification information in the payment barcode request information received from the user terminal, transmits user identification information to the payment server, receives user authentication information from the payment server, Generating information and transmitting the generated information to a user terminal;
(b) the retailer terminal receives the payment barcode from the user terminal, transmits the payment information for the goods corresponding to the order information and the payment barcode to the barcode authentication server, and transmits the payment confirmation information to the barcode authentication server at the user terminal ; Comparing the payment information received by the bar code authentication server with the payment confirmation information received from the user terminal and transmitting the payment information and the user identification information to the payment server when it is confirmed that there is no problem in payment;
(c) The payment server receives the payment information and the user identification information from the barcode authentication server, inquires of the user whether the payment can be made, and transmits the payment allowance information to the barcode authentication server. The payment server transmits the payment settlement information from the barcode authentication server to the user terminal ;
(d) When the user terminal confirms the payment determination information received from the bar code authentication server and transmits the payment determination information to the bar code authentication server, the bar code authentication server that has received the payment determination information transmits the payment approval information to the payment server And transferring payment approval information to the user terminal and the retail store terminal upon receiving the payment approval information from the payment server. An offline and online order payment system comprising at least one or more bar code authentication servers, at least one retail store terminal, and at least one or more user terminals,
The barcode authentication server receives a request including user identification information in the payment barcode request information received from the user terminal, transmits user identification information to the payment server, and receives user authentication information from the payment server to generate payment barcode information And transmits the settlement barcode to the barcode authentication server and transmits the settlement confirmation information to the barcode authentication server in the user terminal. ; When the payment information received from the retailer terminal and the payment confirmation information received from the user terminal are compared by the bar code authentication server and it is confirmed that there is no problem in payment, the payment information and the user identification information are transmitted to the payment server, Receives the payment information and the user identification information from the bar code authentication server, inquires of the user whether payment is possible, and transmits the payment information to the bar code authentication server from the bar code authentication server to transmit the payment settlement information to the user terminal, When the payment determination information received from the authentication server is confirmed and approved, the payment determination information is transmitted to the barcode authentication server. Upon receiving the payment determination information, the barcode authentication server transmits payment approval information from the payment server to the payment server And transmitting payment approval information to the user terminal and the store terminal Do mobile barcode payment system.

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