KR20160029783A - Method for Providing Payment by using Identity Code of Affiliated Store - Google Patents

Method for Providing Payment by using Identity Code of Affiliated Store Download PDF

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Publication number
KR20160029783A
KR20160029783A KR1020160024729A KR20160024729A KR20160029783A KR 20160029783 A KR20160029783 A KR 20160029783A KR 1020160024729 A KR1020160024729 A KR 1020160024729A KR 20160024729 A KR20160024729 A KR 20160024729A KR 20160029783 A KR20160029783 A KR 20160029783A
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KR
South Korea
Prior art keywords
payment
merchant
unique code
terminal
offline
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KR1020160024729A
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Korean (ko)
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KR101695397B1 (en
Inventor
김재형
권봉기
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주식회사 비즈모델라인
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Priority to KR1020160024729A priority Critical patent/KR101695397B1/en
Publication of KR20160029783A publication Critical patent/KR20160029783A/en
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Publication of KR101695397B1 publication Critical patent/KR101695397B1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06018Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems

Abstract

According to a payment method using a unique code of an affiliate shop of the present invention, a method is implemented through a server capable of communicating with a customer wireless terminal possessed by a customer and capable of communicating with an affiliate shop terminal provided in an offline affiliate store, The method comprising: receiving, from at least one customer wireless terminal, a unique code uniquely assigned to each offline merchant point in order to uniquely identify an offline merchant visited by a customer having a wireless terminal, and before or after receiving the unique code from the customer wireless terminal The merchant terminal identifying at least one unique code assigned to the offline merchant, received from the merchant terminal operating in at least one offline merchant, the payment amount entered through the merchant terminal, and merchant information of the offline merchant, Lt; RTI ID = 0.0 > A unique code received from at least one merchant terminal is compared with a unique code received from the merchant terminal, and the matching unique code is compared with the matching unique code, And transmits the payment details including the confirmed payment amount and merchant point information to the specific customer wireless terminal that transmitted the matched unique code.

Description

[0001] The present invention relates to a payment method using a unique code of a merchant,

The present invention provides a method executed by a server capable of communicating with a customer wireless terminal possessed by a customer and capable of communicating with a terminal of an affiliated store provided in an offline affiliate shop that the customer can visit, The method includes receiving an inherent code uniquely assigned to each offline merchant point to uniquely identify an offline merchant visited by a customer having the merchandise, and transmitting the unique code to the merchant terminal operated by at least one offline merchant before or after receiving the unique code from the customer wireless terminal A unique code assigned to the offline merchant received from the terminal, a payment amount input through the merchant terminal, and merchant information of the offline merchant, and transmits the unique code received from the one or more customer wireless terminals to one or more merchant points Unique received from the terminal And transmits the payment details including the payment amount and the merchant information received from the merchant terminal together with the matched unique code to the specific customer wireless terminal that transmitted the matched unique code And a payment method using a unique code of an affiliate store that provides payment details including the confirmed payment amount and merchant information to a specific customer wireless terminal that transmitted the matched unique code.

As the information and communication technology continues to develop, the convenience of transactions has increased due to the activation of the card payment system that provides the card transaction based on the customer's credit instead of the conventional cash transaction. On the other hand, confidentiality, Authentication, integrity, and nonrepudiation, as well as the problem of privacy infringement related to the disclosure of personal information of the customer.

In order to overcome the above-mentioned problem of card settlement, a more advanced cancer and decryption system is added to the card payment system and a customer authentication method using a customer's mobile phone is used. However, through this, confidentiality, authentication, integrity, It solves some of the same problems partly, but it does not solve the problem of privacy infringement of card payment customers.

In particular, when authenticating a customer through a customer's mobile phone, it is indispensable to provide the customer's mobile phone number to the merchant, which includes the problem that both the mobile phone number and the card information of the customer are exposed to the merchant, It does not solve the problem of privacy infringement of the customer.

An object of the present invention is to provide a method capable of communicating with a customer wireless terminal possessed by a customer and executed through a server capable of communicating with a merchant terminal on a customer-accessible offline merchant, The method comprising: a first step of receiving a unique code uniquely assigned to each offline merchant point in order to uniquely identify an offline merchant visited by a customer possessing the terminal; and a second step of receiving at least one offline merchant before or after receiving the unique code from the customer wireless terminal A second step of confirming the unique code separately assigned to the offline merchant received from the merchant terminal operated in the merchant terminal, the payment amount entered through the merchant terminal, and merchant information of the offline merchant, Unique code and one or more merchants A third step of comparing the unique code received from the affiliated terminal with the unique code received from the merchant terminal, and comparing the unique code received from the merchant terminal with the matching unique code, A fourth step of confirming the settlement history to be provided to the specific customer wireless terminal that has transmitted the unique code, and a fifth step of providing the payment details including the confirmed payment amount and merchant point information to the specific customer wireless terminal that transmitted the matched unique code, And a payment method using an inherent code of an affiliated store including the step.

A payment method using a unique code of an affiliate shop according to the present invention is executed through a server capable of communicating with a customer wireless terminal possessed by a customer and capable of communicating with an affiliate shop terminal provided in an offline affiliate shop that the customer can visit, The method comprising: a first step of receiving a unique code uniquely assigned to each offline merchant point to uniquely identify an offline merchant visited by a customer having a wireless terminal from at least one customer wireless terminal; A second step of confirming the unique code separately assigned to the offline merchant received from the merchant terminal operated in at least one offline merchant before or after the merchant, the payment amount entered through the merchant terminal, and merchant information of the offline merchant And one or more customer wireless terminals A third step of comparing the received unique code with a unique code received from at least one merchant terminal and confirming a unique code matched with the received unique code, A fourth step of confirming payment details to be provided to a specific customer wireless terminal that has transmitted the matched unique code and a fourth step of transmitting the payment amount and merchant information to the specific customer wireless terminal that transmitted the matched unique code And a fifth step of providing settlement details to the user.

In order to uniquely identify each offline merchant, a unique code uniquely assigned to each merchant is associated with merchant unique information of each of the offline merchants and registered in a designated storage medium The method of claim 1, further comprising the step of: storing, after a unique code assigned to an offline merchant site visited by the customer is stored in the storage medium, from a customer wireless terminal possessed by a customer who visited the offline merchant shop, And receiving the inherent code separately assigned to the terminal.

In order to uniquely identify each offline merchant, a unique code uniquely assigned to each merchant is associated with merchant unique information of each of the offline merchants and registered in a designated storage medium The method according to claim 1, further comprising a step of storing the inherent code separately assigned to the offline merchant visited by the customer on the storage medium, from the merchant terminal operated in the offline merchant store, And receiving the message including the merchant information.

In a payment method using a unique code of an affiliate shop according to the present invention, the unique code may include at least one of numbers, letters, symbols, and special characters.

The payment method using the unique code of the merchant according to the present invention may further include a sixth step of confirming the progress of payment processing through the specific customer wireless terminal that has received the payment details.

In the payment method using a unique code of a merchant according to the present invention, the sixth step includes receiving payment approval information including approval information for approving payment processing from a specific customer wireless terminal that has received the payment details And requesting payment approval for the payment details through the financial server designated based on the payment approval information.

In the payment method using the inherent code of the merchant according to the present invention, the payment approval is processed using the payment means received from the merchant terminal.

In the payment method using the unique code of the merchant according to the present invention, in the sixth step, the payment approval information for identifying the payment means to be used in the payment processing of the payment details is transmitted from the specific customer wireless terminal that has received the payment details And requesting the payment server to process the settlement approval through the designated financial server based on the settlement approval information.

In the payment method using the unique code of the merchant according to the present invention, the payment approval information further includes approval information for approving the progress of the payment process.

The payment method using the unique code of the merchant according to the present invention may further include confirming the result of the settlement processing and providing the result to the merchant terminal.

The billing system using the unique code of the merchant according to the present invention includes a code receiving unit for receiving a unique code uniquely assigned to an affiliated store from a customer wireless terminal and a code receiving unit for receiving the inherent code from the affiliated store through a merchant terminal provided in the affiliated store. A payment history confirmation unit for receiving the unique code and payment details and comparing the unique code received from the customer wireless terminal with the unique code received from the merchant terminal to confirm the payment details to be provided to the customer wireless terminal; A settlement history acceptance unit for receiving an approval message for approving the settlement processing from the customer wireless terminal that has received the payment history, and a payment history transmitter for transmitting the confirmed payment history to the customer wireless terminal that has transmitted the unique code of the settlement history, Processing of payment authorization for the payment history to the designated financial server based on the approval message It characterized in that it includes a request for payment authorization request to.

In the payment system using the unique code of the merchant according to the present invention, the payment request corresponding to the payment details is requested to be processed through the payment means corresponding to the customer wireless terminal.

In the payment system using the unique code of the merchant according to the present invention, the approval message includes approval information for proceeding with the settlement processing of the payment details.

In the payment system using the unique code of an affiliate store according to the present invention, the payment history confirmation unit identifies the card information received from the affiliate shop terminal, and the payment approval request unit stores the card information received from the affiliate shop terminal The settlement approval for the payment history is requested to be processed.

The billing system using the store unique number according to the present invention includes professional reception means for receiving a payment approval request message including card information, payment amount information and store unique code from the payment terminal, A settlement history checking unit that compares the store unique code included in the payment approval request specialist with the store unique code received from the customer wireless terminal and confirms the payment details included in the payment approval request specialization; A payment history transfer unit for transferring the confirmed payment details to the customer wireless terminal; a payment history approval unit for determining whether to proceed with the payment process by receiving an approval message for the payment history process from the customer wireless terminal; According to the approval or not, the payment approval request telegraphy is provided to the card company server to request payment approval It characterized in that comprises a payment approval request means.

Meanwhile, the settlement system using the store unique number according to the present invention includes professional reception means for receiving a payment approval request message including payment amount information and store unique code from the payment terminal, A settlement history checking unit that compares the store unique code included in the payment approval request specialist with the store unique code received from the customer wireless terminal and confirms the payment details included in the payment approval request specialist; A payment history transferring means for transferring the confirmed payment history to the customer wireless terminal; a payment history approval means for receiving the approval information and the card information for the payment history processing from the customer wireless terminal and determining whether to proceed with the payment process; The payment approval request may include the received card information, Available in the server, characterized by comprising a payment approval request means for requesting the payment authorization.

According to another aspect of the present invention, there is provided a payment method using a store unique number, comprising: receiving a payment approval request message including card information, payment amount information, and store unique code from a payment terminal; Comparing the store unique code included in the payment approval request telegram with the store unique code received from the customer wireless terminal; checking the payment details included in the payment approval request telegram, The method of claim 1, further comprising the steps of: transmitting to the customer wireless terminal an approval message for the payment history processing from the customer wireless terminal, reading the received message to determine whether to proceed with the payment process, Providing a payment approval request telegram to the card company server to request payment approval; The features.

Meanwhile, the payment method using the store unique number according to the present invention includes: receiving a payment approval request message including the payment amount information and the store unique code from the payment terminal; receiving, when the store unique code is received from the customer wireless terminal, Comparing the store unique code included in the payment approval request telegram with the store unique code received from the customer wireless terminal; checking, if the comparison result is coincident, the payment details included in the payment approval request telegram, The method comprising the steps of: receiving a message including card information and approval information for payment processing from the customer wireless terminal, determining whether to proceed with payment processing by reading the received message, To the card issuer server by including the card information in the payment approval request message, And a step of submitting the request.

On the other hand, the present invention includes a computer-readable recording medium having recorded thereon a program for executing a payment method using the store unique number.

According to the present invention, it is possible to prevent the customer wireless terminal information from being leaked by transmitting the shop unique code to the payment customer wireless terminal, and it is possible to enhance the security in the card payment.

1 is a view showing a configuration of a card payment system through a store code uniquely assigned to each merchant according to an embodiment of the present invention.
2 is a view showing a payment approval process through a store code uniquely assigned to each merchant according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a card payment system through a store code uniquely assigned to each merchant according to another embodiment of the present invention.
4 is a view showing a payment approval process through a store code uniquely assigned to each merchant according to another embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a view showing a configuration of a card payment system through a shop code uniquely assigned to each merchant according to an embodiment of the present invention.

More specifically, FIG. 1 illustrates an offline card payment system for processing a settlement through a predetermined offline settlement channel using a store code uniquely assigned to each merchant. The offline card payment system according to an exemplary embodiment of the present invention, It is possible to refer to and / or modify the FIG. 1 to various methods of configuring an off-line card payment system through the shop code. However, the present invention includes all the methods of the inferred method, The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 1, an offline card payment system using the shop code is configured to receive payment details, card information, and store codes from a payment terminal provided at a predetermined offline merchant and the payment terminal, The settlement history is transmitted to the settlement customer wireless terminal by comparing the store code and the store code received from the settlement terminal and when the settlement approval information for the settlement record is received from the settlement customer wireless terminal, (100) for transmitting payment information to a card issuer server corresponding to the card information and requesting a payment approval, and at least one communication network for connecting the payment terminal, the server (100), the payment customer wireless terminal A Value Added Network (VAN), a wireless communication network, and a wired communication network).

In FIG. 1, the server 100 on the offline card payment system via the store code is shown as one server 100 including at least one functional component, The various functional units constituting the server 100 may be implemented through at least two separate servers 100 (or devices), so that the present invention is not limited thereto.

The settlement terminal on the off-line card settlement system may include at least one POS (Point Of Sales) terminal having a CAT (Credit Authorization Terminal) and / or a payment function, Reads out predetermined card information from the customer card through the key input device, inputs a payment amount or the like through a predetermined key input device, generates a payment approval request message including the card information, the payment amount, the merchant information and the store code To the server 100 through the communication network (for example, a value-added communication network (VAN)).

In addition, the server 100 on the off-line card payment system includes at least one server 100 provided in the company (or card company), and the card information, When the settlement approval is not made through the payment customer wireless terminal corresponding to the store code after receiving the payment approval request message including the store code and the merchant information, And an approval process is performed.

In addition, in the off-line card payment system, the communication network connecting the payment terminal and the server 100 may include at least one back-bone network server (not shown) (Not shown) and a wired / wireless communication network.

Those skilled in the art will appreciate that the technical characteristics of the payment terminal and the technical characteristics of the conventional server 100 and the technical characteristics of the communication network connecting the payment terminal and the server 100 And a detailed description thereof will be omitted for the sake of convenience.

According to an embodiment of the present invention, the server 100 is provided with a storage medium 150 for processing and storing store codes assigned for each of the merchant stores in association with the merchant store unique information.

Here, the shop code may include one or more numbers, letters, symbols, and special characters, and may be uniquely assigned to each affiliate.

Referring to FIG. 1, the server 100 connects and disconnects communication channels for settlement-related professional transmission / reception with at least one settlement terminal through a communication network including at least one value-added communication network (VAN) and / And a settlement approval request message containing at least one of the card information, the payment amount, the merchant information and the shop code from the settlement terminal in association with the interface unit 105 And a professional transferring unit 115 for transferring the payment approval result corresponding to the payment approval request telegram to the payment terminal in cooperation with the interface unit 105 .

The settlement terminal reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, the merchant information and the store code, and transmits the payment approval request message through the communication network, (110) receives the payment approval request message in conjunction with the interface unit (105).

1, the server 100 includes a code receiving unit 120 (or code receiving means) for receiving a store code included in the payment approval request message transmitted from the wireless terminal of the payment customer, (Or payment history confirmation means) 125 for comparing the store code received from the payment approval request request with the shop code included in the payment approval request telegram to confirm the payment details of the payment customer, (Or payment history transferring means) 130 for transferring the settlement history information to the payment client wireless terminal that has transmitted the store code, payment approval information (or message ), A payment history approval unit 135 (or a payment history approval means) for determining whether or not to proceed with the payment, and a payment history approval unit 135 A payment approval requesting unit 140 (or a payment approval requesting unit) for requesting payment approval from the corresponding card issuer server, a payment approval receiving unit 140 for receiving a payment approval result corresponding to the payment approval request from the card issuer server 145) (or a payment approval receiving means).

The code receiving unit 120 receives the payment approval request message including the card information, the payment amount, the merchant information, and the store code from the payment terminal, and transmits the payment approval request message from the wireless terminal of the customer, And the received merchandise code is provided to the payment history confirmation unit 125. [0054]

When the store code included in the payment approval request message is received from the wireless terminal of the customer who has requested the payment through the code receiving unit 120, the payment history checking unit 125 checks the store code received from the wireless terminal, And compares the store codes included in the payment approval request telegram. If it matches, the payment details included in the payment approval request telegram are checked. The confirmed payment details are provided to the payment history transmitter 130 .

The settlement history transmitter 130 transmits the payment details confirmed by the payment history confirmation unit 125 to the payment customer wireless terminal that transmitted the store code.

According to the method of the present invention, the payment history may be provided in the form of a callback pay-as-you-go message that allows the customer to confirm whether or not to approve the payment proceeding, but the present invention is not limited thereto.

The settlement detail acceptance unit 135 receives payment approval information for proceeding settlement of the payment history from the wireless terminal after the payment details requested by the customer are transmitted to the customer wireless terminal through the payment history transfer unit 130 (Or message), and determines whether or not the payment is proceeded. The result of the payment proceeding determination is provided to the payment approval requesting unit 140.

As a result of the determination by the payment history approval unit 135, the payment approval request unit 140 transmits the payment details included in the payment approval request message to the card information corresponding to the card information To the card issuer server to request payment approval.

The settlement approval receiving unit 145 receives the payment details and the card information from the card issuer server through the payment approval request unit 140 and requests payment approval from the card issuer server, And the result list is provided to the specialized transferring unit 115. The special transferring unit 115 may be configured to transfer the result of the settlement approval to the specialized transferring unit 115. [

If the payment approval process corresponding to the payment approval request telegram is completed in the server 100 and the payment approval result telegram including the predetermined payment processing details is generated, the professional transferring unit 115 transfers the payment approval result to the interface unit 105 And transmits the payment approval result information to the payment terminal.

Those skilled in the art will appreciate the technical features of transmitting and receiving the payment approval request telegram and the payment approval result telegram through the value added communication network and / or financial joint network. Therefore, The detailed description will be omitted for convenience.

2 is a view showing a payment approval process through a store code uniquely assigned to each merchant according to an embodiment of the present invention.

More specifically, FIG. 2 is a process for processing a settlement through a predetermined offline settlement channel using a store code uniquely assigned to each merchant in the card settlement system shown in FIG. 1, It will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention as defined by the appended claims. And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 2, a store code assigned to each merchant store is stored in a storage medium 150 associated with the server 100 provided on the card settlement system. The server 100 generates a payment approval request message including the card information, the payment amount, the merchant information, and the store code, and transmits the payment approval request message to the server 100 (200) And periodically checks whether the store code included in the payment approval request message is received from the payment customer wireless terminal (205).

If a store code identical to the store code included in the payment approval request message is transmitted from the wireless terminal (210), the store code received from the wireless terminal is compared with the store code included in the payment approval request message, And confirms the payment history included in the payment approval request telegram, and transmits the confirmed payment details to the customer wireless terminal that has transmitted the store code (215).

Thereafter, the server 100 periodically checks (220) whether payment approval information (or a payment approval message) for approving payment proceeding is received from the customer terminal in response to the transmitted payment details, If the approval information (or message) is received (225), the server 100 reads the received approval message and determines whether the customer should continue the payment process (230).

If the customer wishes to continue the settlement (235), the server (100) transmits the payment details and the card information to the card company server corresponding to the card information to request payment approval (240).

When the payment approval result result corresponding to the payment approval request is transmitted from the card company server (245), the server 100 generates a payment approval response message including the received payment approval result, (250).

FIG. 3 is a diagram illustrating a configuration of a card payment system through a shop code uniquely assigned to each merchant according to another embodiment of the present invention.

More specifically, FIG. 3 illustrates an offline card payment system for processing a settlement through a predetermined offline settlement channel using a store code uniquely assigned to each merchant. It is possible to refer to and / or modify the FIG. 3 to conceive various methods of configuring an off-line card payment system through the shop code. However, the present invention includes all the methods of the inferred embodiments, The technical features are not limited only by the method shown in FIG.

Referring to FIG. 3, the offline card payment system using the store code includes: a billing terminal provided at a predetermined offline merchant store and a payment history and a store code from the payment terminal, Comparing the store code received from the payment terminal, transmitting the payment details to the payment customer wireless terminal, receiving payment approval information (including card information) for the payment details from the payment customer wireless terminal, A server 300 for transmitting payment details to a card issuer server corresponding to the card information and requesting payment approval, and at least one communication network 300 for connecting the payment terminal to the server 300, For example, a Value Added Network (VAN), a wireless communication network, and a wired communication network).

In FIG. 3, the server 300 on the off-line card payment system using the shop code is shown as one server 300, which includes at least one functional component. However, The various functional units constituting the server 300 may be implemented through at least two separate servers 300 (or devices), so that the present invention is not limited thereto.

The settlement terminal on the off-line card settlement system may include at least one POS (Point Of Sales) terminal having a CAT (Credit Authorization Terminal) and / or a payment function, Reads out predetermined card information from the customer card through the key input device, inputs a payment amount or the like through a predetermined key input device, generates a payment approval request message including the card information, the payment amount, the merchant information and the store code (VAN) to the server 300. In the present embodiment, however, the payment approval request message does not include card information, and the card information is transmitted to the server 300 through the network And is provided through a wireless terminal.

In addition, the server 300 on the off-line card payment system includes at least one server 300 provided in the bank (or credit card company), and the settlement amount, the store code, If payment approval is not made through the payment customer wireless terminal corresponding to the store code after receiving the payment approval request message including the merchant information, payment approval processing is performed on the payment amount included in the payment approval request message .

Also, in the off-line card payment system, the communication network connecting the payment terminal and the server 300 may include at least one back-bone network server 300 that relays at least one payment related specialty between the payment terminal and the server 300 (Not shown) and a wired / wireless communication network.

Those skilled in the art will appreciate that technical characteristics of the payment terminal, technical characteristics of the conventional server 300, and technical characteristics of the communication network connecting the payment terminal and the server 300 And a detailed description thereof will be omitted for the sake of convenience.

According to an embodiment of the present invention, the server 300 is characterized by comprising a storage medium 350 for storing and storing store codes assigned for each of the merchant stores in association with the merchant store unique information.

Here, the shop code may include one or more numbers, letters, symbols, and special characters, and may be uniquely assigned to each affiliate.

Referring to FIG. 3, the server 300 connects and disconnects communication channels for settlement-related professional transmission / reception with at least one payment terminal through a communication network including at least one value-added communication network (VAN) and / And a specialist receiving unit 305 for receiving a payment approval request message including at least one payment amount, merchant information, and store code from the payment terminal in cooperation with the interface unit 305, And a professional transfer unit 315 for transferring the payment approval result corresponding to the payment approval request telegram to the payment terminal in cooperation with the interface unit 305 .

The payment terminal transmits the payment approval request message including the payment amount, the merchant information, and the store code to the payment terminal through the communication network, and the professional reception unit 310 transmits the payment approval request message And receives the request telegram.

Referring to FIG. 3, the server 300 includes a code receiving unit 320 (or code receiving means) for receiving a store code included in the payment approval request message transmitted from the wireless terminal of the payment customer, (Or payment history confirmation means) 325 (or a payment history confirmation means) that compares the store code received from the payment approval request request with the store code included in the payment approval request telegram to confirm the payment details of the payment customer, (Or payment history transferring means) 330 for transferring the settlement history information to the payment client wireless terminal that has transmitted the store code, payment approval information (or message A payment history approval unit 335 (or a payment history approval means) for receiving the card information and determining whether or not to proceed with the payment, and the payment history included in the payment approval request message, A payment approval requesting unit 340 (or a payment approval requesting unit) for transferring the received card information to a card issuer server corresponding to the card information to request a payment approval, And a payment approval reception unit 345 (or payment approval reception means) for receiving the result details.

The code receiving unit 320 receives a payment approval request message including the payment amount, the merchant information, and a store code from the payment terminal, And receives the store code, and the received store code is provided to the payment history verifying unit 325.

When the store code included in the payment approval request message is received from the wireless terminal of the customer who has requested payment through the code receiving unit 320, the payment history verifying unit 325 obtains the shop code received from the wireless terminal, And compares the store codes included in the payment approval request telegram with the store codes. If the payment codes match, the payment details included in the payment approval request telegram are confirmed. The confirmed payment details are provided to the payment history transfer unit 330 .

The settlement breakdown transmitter 330 transmits the settlement breakdown confirmed by the settlement breakdown verifier 325 to the settlement customer wireless terminal that transmitted the store code.

According to the method of the present invention, the payment history may be provided in the form of a callback pay-as-you-go message that allows the customer to confirm whether or not to approve the payment proceeding, but the present invention is not limited thereto.

The settlement history approval unit 335 receives payment approval information for proceeding settlement of the payment history from the wireless terminal after the payment history requested by the customer is transmitted to the customer wireless terminal through the payment history transfer unit 330 (Or message) and the card information, and determines whether or not the payment is proceeded. The payment approval request unit 340 provides the payment result of the payment decision.

If the payment approval request unit 340 determines that the payment request is approved by the payment approval unit 335, the payment approval request unit 340 notifies the payment details included in the payment approval request message and the card information transmitted from the wireless terminal To the card issuer server corresponding to the card information, and requests payment approval.

After the payment details and card information are transmitted to the card issuer server through the payment approval request unit 340 and payment approval is requested, the payment approval reception unit 345 receives a payment approval request from the card issuer server And the result of the payment approval is provided to the specialized transferring unit 315. [

If the payment approval process corresponding to the payment approval request telegram is completed in the server 300 and the payment approval result telegram including the predetermined payment processing details is generated, the professional transmission unit 315 transmits the payment approval result to the interface unit 305 And transmits the payment approval result information to the payment terminal.

Those skilled in the art will appreciate the technical features of transmitting and receiving the payment approval request telegram and the payment approval result telegram through the value added communication network and / or financial joint network. Therefore, The detailed description will be omitted for convenience.

FIG. 4 is a view showing a payment approval process through a store code uniquely assigned to each merchant according to another embodiment of the present invention.

FIG. 4 illustrates a process of processing a settlement through a predetermined offline settlement channel using a store code uniquely assigned to each merchant in the card settlement system shown in FIG. 3, It will be appreciated that those skilled in the art will be able to conceive of various ways of practicing the card payment process through the store code with reference to and / And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, a merchant code assigned to each merchant is stored in a storage medium 350 associated with a server 300 provided on the card settlement system. The server 300 generates a payment approval request message including the payment amount, the merchant information and the shop code, and transmits the payment approval request message to the server 300 (400). The server 300 waits for the received payment approval request , And periodically checks whether the shop code included in the payment approval request telegram is received from the payment customer wireless terminal (405).

If a store code identical to the shop code included in the payment approval request telegram is transmitted from the wireless terminal (410), the store code received from the wireless terminal is compared with the store code included in the payment approval request telegram, And confirms the payment details included in the payment approval request telegram, and transmits the confirmed payment details to the customer wireless terminal that has transmitted the store code to request payment approval approval (step 415).

Thereafter, the server 300 periodically checks 420 the payment approval information (or the payment approval message) and the card information for approving the payment progress in response to the transmitted payment details from the customer terminal 420, If the payment approval information (or message) and the card information are received from the terminal (425), the server 300 reads the received approval message and determines whether the customer continues the payment process (430).

If the customer wishes to continue the settlement (step 435), the server 300 transmits the payment details and the card information to the card company server corresponding to the card information to request payment approval (step 440).

If the payment approval result corresponding to the payment approval request is transmitted from the card company server (445), the server 300 generates a payment approval response message including the received payment approval result, (450).

100: server 105:
110: professional reception unit 115: professional transmission unit
120: Code receiving unit 125: Checking unit
130: payment history transmission unit 135: payment history approval unit
140: Payment approval request unit 145: Payment approval receiver
150: Storage medium

Claims (10)

  1. A method of executing a service through a server capable of communicating with a customer wireless terminal possessed by a customer and capable of communicating with a terminal of an affiliated store provided in an offline affiliate shop that the customer can visit,
    A first step of receiving a unique code uniquely assigned to each offline franchisee to uniquely identify an offline franchisee visited by a customer having a wireless terminal from at least one customer wireless terminal;
    A unique code assigned separately to the offline merchant received from an affiliate shop terminal operated at at least one offline merchant before or after receiving the unique code from the customer wireless terminal, a payment amount input via the merchant terminal, A second step of confirming the merchant information of the merchant;
    A third step of comparing the unique code received from the one or more customer wireless terminals with the unique code received from the at least one merchant terminal;
    A fourth step of confirming payment details including the payment amount received from the merchant terminal and the merchant information together with the matched unique code as payment details to be provided to the specific customer wireless terminal that transmitted the matched unique code; And
    Payment method using the specific code of the merchant containing; a fifth step of providing the payment including a payment to the identified merchant information to a particular client mobile terminal transmitting the matched specific code.
  2. The method according to claim 1,
    Further comprising the step of registering and storing in the designated storage medium a unique code uniquely assigned to each of the merchant points in order to uniquely identify each of the offline merchant points and the merchant unique information of each of the offline merchant points in association with each other,
    The first step may include receiving a unique code separately assigned to the offline merchant from a customer wireless terminal possessed by a customer who visited the offline merchant after a unique code assigned to the offline merchant visited by the customer is stored in the storage medium The method of claim 1, further comprising the steps of:
  3. The method according to claim 1,
    Further comprising the step of registering and storing in the designated storage medium a unique code uniquely assigned to each of the merchant points in order to uniquely identify each of the offline merchant points and the merchant unique information of each of the offline merchant points in association with each other,
    The second step may include storing a special code including the unique code, a payment amount, and merchant information from a merchant terminal operated in the offline merchant after storing a unique code separately assigned to the offline merchant visited by the customer And receiving the unique code of the merchant.
  4. 2. The method of claim 1,
    A character, a number, a character, a symbol, and a special character.
  5. The method according to claim 1,
    And a sixth step of confirming the progress of settlement processing through the specific customer wireless terminal that has received the payment history.
  6. 6. The method of claim 5,
    Receiving payment approval information including approval information for approving payment processing from a specific customer wireless terminal that has received the payment details; And
    And requesting that the settlement approval for the payment details be processed through the designated financial server based on the settlement approval information.
  7. The method of claim 6, wherein the payment authorization,
    And processing is performed using the payment means received from the merchant terminal.
  8. 6. The method of claim 5,
    Receiving payment approval information for identifying a payment means to be used for payment processing of the payment history from the specific customer wireless terminal that has received the payment history; And
    And requesting that the settlement approval for the payment details be processed through the designated financial server based on the settlement approval information.
  9. The method of claim 8, wherein said billing authorization information,
    Further comprising approval information for approving the progress of the settlement processing.
  10. 6. The method of claim 5,
    Payment method using the specific code of the merchant, characterized in that to determine the result of breakdown of the settlement process further comprises the step of providing to the merchant terminal.
KR1020160024729A 2016-02-29 2016-02-29 Method for Providing Payment by using Identity Code of Affiliated Store KR101695397B1 (en)

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010100380A (en) * 2000-05-01 2001-11-14 윤영식 Method and apparatus for paying a charge of goods or service using a mobile phone
KR20020061619A (en) * 1999-11-18 2002-07-24 코넬 리서치 파운데이션 인코포레이티드 Site-directed mutagenesis of escherichia coli phytase
KR20040080509A (en) * 2003-03-12 2004-09-20 주식회사 비트웹 Mobile settlement system and settlement method thereof
KR20060005821A (en) * 2004-07-14 2006-01-18 주식회사 하렉스인포텍 Immediately settlement card selection method and a use system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020061619A (en) * 1999-11-18 2002-07-24 코넬 리서치 파운데이션 인코포레이티드 Site-directed mutagenesis of escherichia coli phytase
KR20010100380A (en) * 2000-05-01 2001-11-14 윤영식 Method and apparatus for paying a charge of goods or service using a mobile phone
KR20040080509A (en) * 2003-03-12 2004-09-20 주식회사 비트웹 Mobile settlement system and settlement method thereof
KR20060005821A (en) * 2004-07-14 2006-01-18 주식회사 하렉스인포텍 Immediately settlement card selection method and a use system

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