KR20160108658A - Payment method using a member apparatus which make wirless signal, application system, and service system - Google Patents

Abstract

Disclosed are a payment method using a member store device, an application system, and a service system. The payment method using a member store device comprises the steps of: receiving a wireless signal including identification information of a member store device from at least one member store device, by the application system installed in a user terminal; transmitting information on the received wireless signal to the service system, by the application system; receiving payment details corresponding to the application system from the service system, by the application system; loading a payment page including the received payment details, by the application system; and performing payment corresponding to the payment details by using the loaded payment page. The payment details are specified through communications between the service system and a management system of a member store based on the determined position of the user terminal when the position of the user terminal is determined based on the wireless signal. The payment method of the present invention enables a user to directly perform payment through a payment device in a desired position.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method, an application system, and a service system using a merchant point device,

The present invention relates to a payment method, an application system, and a service system using a merchant point device, and more particularly, to a payment method, an application system, and a service system using the merchant point device, Method and system thereof.

A conventional conventional method when a payment is made at a merchant is a method of transferring a payment means (e.g., a card, etc.) to the merchant. In recent years, a user (a user in the present invention means a 'payer' for performing settlement at an affiliated store) using a user terminal (for example, a mobile phone or the like) And the like) are used for direct settlement.

In any case, the conventional method is a method in which a user goes to a settlement place (for example, a counter) existing at a specific location of an affiliated store, or transmits a user's settlement device (IC card, mobile phone, (Card information, cell phone number, etc.), which is inconvenient and has a security problem.

There is a risk of duplication of the settlement apparatus by delivering the settlement apparatus to the merchant site and there is a risk of exposing the settlement information by providing settlement information. In addition, the conventional payment method requires a separate settlement time after using a product or service, and a standby time is required when a plurality of users intend to settle the settlement.

Korean Patent Application Registration No. 10-1036681 "Method and System for Payment Service Using Portable Mobile Communication Terminal"

The technical problem to be solved by the present invention is to provide a method and system for enabling a user to directly make a payment through a payment device (e.g., a user terminal) in a desired position .

Another object of the present invention is to provide a method and a system that can simplify the settlement procedure by greatly simplifying a procedure that the user has to perform in order to perform settlement (e.g., execution of an application for settlement, input of settlement information, etc.).

The present invention also provides a method and system for verifying the validity of payment details and preventing wrong payment.

In addition, it is an object of the present invention to provide a method and system for judging position justification so that illegal settlement (illegal settlement through hacking, card duplication, etc.) at a place where a user is not located can be blocked.

According to another aspect of the present invention, there is provided a payment method using at least one merchant point device installed in an affiliated store, wherein an application system installed in a user terminal of a user stores identification information of a merchant point device from the at least one merchant point device Transmitting the information on the wireless signal received by the application system to a service system, the application system having a payment history corresponding to the application system from the service system, Receiving, when the location of the user terminal is determined based on the radio signal, the service system being specified through communication with the management system of the merchant based on the determined location; of mine A step of loading a payment page including the payment page, and a step of performing settlement corresponding to the payment details using the loaded payment page.

Wherein the payment method using the merchant point device comprises the steps of: displaying information on a plurality of unit payment details included in the payment history of the application system and selecting a payment history to be settled among the plurality of unit payment details; And displaying the divided payment amount calculated by the application system in a predetermined manner among the payment amounts corresponding to the payment details requested by the divided payment.

Wherein the settlement method using the merchant point device comprises the steps of: managing information on the settlement history other than the selective settlement history or the divided settlement amount in which settlement is performed during the settlement history; Wherein the payment for the remaining payment details is performed by at least one user group including the user based on the information on the remaining payment details displayed on the display unit .

The payment method using the merchant point device is characterized in that the application system receives from the service system a candidate identification code which is an identification code of at least one candidate unit area corresponding to the user terminal, Further comprising receiving from the user an identification code corresponding to the user terminal from among information on the user terminal, wherein the step of the application system receiving the payment details corresponding to the application system from the service system corresponds to the selected identification code And receiving the payment history from the service system.

The payment method using the merchant point device further comprises the step of the application system receiving an identification code of a unit area corresponding to the user terminal from the user and the application system transmitting the identification code to the service system, The step of the application system receiving the payment details corresponding to the application system from the service system may include receiving the payment details corresponding to the transmitted identification code from the service system.

Wherein the settlement method using the merchant point device comprises the steps of: maintaining, by the service system, positional unit area mapping information including information on a unit area in the franchisee; receiving, from the application system, Determining whether the location information of the user terminal determined by the service system corresponds to the location unit area mapping information, and updating the location unit area mapping information by the service system based on the determination result . ≪ / RTI >

The payment method using the merchant point device may further include displaying a completion indicator indicating completion of payment corresponding to the payment details to the display device installed in the merchant when payment corresponding to the payment details is performed .

Wherein the payment method using the merchant point device further includes a step of determining the validity of a payment amount included in the payment details by the application system or the service system, wherein the validity of the payment amount is determined by the payment amount statistical information of the merchant, The determination is made based on the merchant characteristics including the information on the amount of the merchandise by sales item.

The payment method using the merchant point device may further include the step of the application system displaying information on the validity of the payment amount on the payment page when it is determined that the payment amount is not valid.

The step of performing settlement corresponding to the payment details may include determining whether the second position of the user terminal determined by the service system or the application system based on the wireless signal and the second mode corresponds to each other, A judging procedure or a position legitimacy judging procedure is performed by the service system or the application system to determine whether the position based on the radio signal and the position of the previously registered franchise correspond to each other, And the settlement corresponding to the settlement history is performed only when there is a legitimacy.

The payment method using at least one merchant point device installed in an affiliated store for solving the above technical problems is characterized in that the service system includes identification information of a merchant point device output from the at least one affiliated store device from an application system installed in a user's user terminal Receiving information about a wireless signal, determining, by the service system, the location of the user terminal based on the information about the wireless signal, the service system communicating with the management system of the merchant, And the service system transmitting the payment history to the application system, wherein the payment system includes a settlement page that includes the settlement history, And the settlement corresponding to the payment details is performed using the payment settlement page.

Wherein the service system transmitting the payment details to the application system comprises transmitting the payment details including a plurality of unit payment details to the application system, And a payment page corresponding to the selected payment details for performing payment among the plurality of unit payment details is loaded.

Wherein the payment method using the merchant point device further comprises receiving information on the selected payment details from the application system and transmitting the information to the management system, Information on the remaining payment details is displayed, information on the remaining payment details is displayed, and based on the information on the remaining payment details displayed, at least one of the user groups including the user The payment for the remaining payment details is performed by the payment server.

The payment method using the merchant point device is characterized in that the service system specifies a candidate identification code which is an identification code of at least one candidate unit area corresponding to the user terminal based on the location, Further comprising the steps of: transmitting, from the application system to the application system, an identification code of a unit area corresponding to the user terminal among information on the candidate identification code received from the application system; The step of performing communication with the system and specifying the payment details corresponding to the application system may include receiving the payment details corresponding to the identification code from the management system.

The payment method using the merchant point device comprises the steps of the service system receiving an identification code of a unit area corresponding to the user terminal input by the user from the application system, Further comprising the step of transmitting the identification code to the management system to be determined and receiving the payment history corresponding to the identification code, wherein the service system communicates with the management system, May include the step of specifying the received payment history as payment details corresponding to the application system.

Wherein the payment method using the merchant point device comprises the steps of: maintaining the positional unit area mapping information including information on the unit area in the merchant point, wherein the service system is received from the location and the application system, Determining whether the identification information selected or input corresponds to the position unit area mapping information, and updating the position unit area mapping information by the service system based on the determination result.

Wherein the payment method using the merchant point device further includes a step of determining the validity of a payment amount included in the payment history of the service system, wherein the validity of the payment amount is determined by the payment amount statistical information of the merchant, And is determined based on the merchant characteristics including information on the amount of money.

The step of performing settlement corresponding to the payment details may include a position validity determination procedure in which it is determined whether the second positions of the user terminals determined by the position and the other scheme based on the radio signal correspond to each other, And performing the position justification determining procedure in which it is determined whether or not the position based on the signal and the position of the franchise point registered in advance correspond to each other, and when the position is justified as a result of the determination, .

The payment method using the merchant point device is installed in the data processing apparatus and can be implemented by a recorded computer program.

An application system installed in a user terminal of a user for a payment method using at least one merchant point device installed in an affiliated store includes a wireless communication module for receiving a wireless signal including identification information of a merchant point device from the at least one merchant point device, And transmitting the information on the wireless signal to the service system, wherein the payment history corresponding to the application system from the service system, which is based on the determined position when the position of the user terminal is determined based on the wireless signal A communication module for receiving the payment details specified through communication with the management system of the merchant, a payment page including the payment details received, and performing payment corresponding to the payment details using the payment page Lt; RTI ID = 0.0 > .

Wherein the control module displays information on a plurality of unit settlement histories included in the settlement history, selects a settlement history for performing settlement among the plurality of unit settlement details, and displays a settlement page corresponding to the selected settlement history Or a payment page corresponding to the partial payment amount calculated in a predetermined manner among the payment amounts corresponding to the payment details, when the partial payment is requested.

The application system further includes a validity determination module for determining the validity of the payment amount included in the payment details based on the payment amount statistical information of the merchant or the merchant characteristics including the information on the amount of each merchandise sold by the merchant .

The application system may receive information about the location based on the radio signal from the service system and determine a second location of the user terminal in another manner to determine whether the location and the second location correspond to each other Further comprising a position justification determining module that determines whether or not the position and the position of the franchisee previously registered correspond to each other, and the control module performs a payment corresponding to the payment details only when the position is legitimate .

A service system for a payment method using at least one merchant point device installed at an affiliate store stores information on a wireless signal including identification information of a merchant point device output from the at least one merchant point device from an application system installed in a user's terminal A location determination unit for determining a location of the user terminal based on the information on the radio signal, a communication unit for communicating with the management system of the merchant, and determining a payment history corresponding to the application system And a control unit for transmitting the payment details to the application system through the communication unit, wherein the payment page including the payment details is loaded by the application system, Characterized in that the corresponding payment has been done in the history of.

Wherein the control unit transmits the payment details including a plurality of unit payment details to the application system, displays information on the plurality of unit payment details by the application system, and performs payment among the plurality of unit payment details The payment page corresponding to the selected payment details may be loaded.

Wherein the control unit specifies a candidate identification code which is an identification code of at least one candidate unit region corresponding to the user terminal based on the position and transmits the at least one candidate identification code to the application system, Receiving an identification code of a unit area corresponding to the user terminal from the information on the candidate identification code, and receiving the payment history corresponding to the received identification code from the management system.

The control unit receives the identification code of the unit area corresponding to the user terminal input by the user from the application system and transmits the identification code to the management system of the affiliated store determined based on the location or the identification information , The payment history corresponding to the identification code can be received from the management system.

Wherein the service system further comprises a mapping unit for storing location-unit-area mapping information including information on a unit area in the merchant, wherein the mapping unit receives the location information, the identification information received from the application system, Based on the position unit area mapping information, and update the position unit area mapping information based on the determination result.

The service system further includes a validity determination unit for determining the validity of the settlement amount included in the settlement history based on the merchant store characteristics including the settlement amount statistical information of each merchant's payment or information on the amount of each merchandise sold item can do.

According to the technical idea of the present invention, a user can perform settlement very easily by using a user terminal at his / her own position, and there is no need to wait for movement to a settlement place and settlement.

In addition, there is no need to transfer the settlement means or the settlement information to the merchant (the employee or the delivery agent), and there is no possibility that the settlement means is copied or the settlement information is leaked.

In addition, according to the embodiment, the position of the user in the franchisee can be determined relatively accurately, and the payment history information corresponding to the user can be automatically specified using the position, so that the settlement can be performed by a very simple procedure .

Further, even when the reconfiguration of the space (e.g., rearrangement of tables, etc.) is performed within the franchisee, the franchisee can reconfigure the space by allowing the unit area (for example, It is possible to prevent the inconvenience that the space information needs to be renewed every time.

In addition, since an affiliate store and payment details can be specified using a wireless signal output from the affiliate store device in one application or service system, the application can be commonly used by a plurality of affiliate stores, Even if only one application is installed, the user can perform settlement at all the service agreement merchants using the application.

This effect also has the side effect that user benefits such as providing integrated mileage can be increased not by individual mileage provided by individual merchants or individual cards.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
FIG. 1 shows a schematic system configuration for a payment method using a merchant point device according to an embodiment of the present invention.
2 shows a schematic configuration of an application system according to an embodiment of the present invention.
3 shows a schematic configuration of a service system according to an embodiment of the present invention.
4 is a diagram illustrating a billing page according to an exemplary embodiment of the present invention.
5 is a view for explaining an example in which a plurality of unit payment details or a plurality of partial payment details are included in the settlement history according to an embodiment of the present invention.
6 is a diagram for explaining an example in which a candidate identification code is used according to an embodiment of the present invention.
7 is a view for explaining an example in which unit area mapping information is used according to an embodiment of the present invention.
8 is a view for explaining merchant characteristics according to an embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component. Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

FIG. 1 shows a schematic system configuration for a payment method using a merchant point device according to an embodiment of the present invention.

Referring to FIG. 1, a user terminal 10 and at least one merchant point device 400, 410, 420 may be provided to implement a payment method using a merchant point device according to an embodiment of the present invention. In addition, a service system 200 capable of performing communication with an application system (100 shown in FIG. 2) installed in the user terminal 10 may be further provided. In addition, the franchisee may be provided with a predetermined management system 300. In addition, the franchisee may be provided with a predetermined display device 600.

Further, in order to implement the technical idea of the present invention, the user terminal 10 and / or the service system 200 may communicate with a predetermined payment-side system 500 to perform settlement.

The user terminal 10 can be implemented by any type of data processing apparatus that can be carried by a user and can perform settlement according to the technical idea of the present invention. For example, the user terminal 10 may be implemented as a mobile phone, a notebook, a tablet, a wearable device, or the like, but is not limited thereto.

The service system 200 may implement the technical idea of the present invention by communicating with the application system 100 installed in the user terminal 10. The service system 200 may operate with an application that forms the application system 100 and a server-client structure.

The management system 300 may mean a system for managing order details and settlement of the merchant. For example, the management system 300 may be a local terminal (POS system or the like) provided at a counter of an affiliate shop, or may be a mobile terminal used by the merchant store owner or the employee (a mobile terminal that performs a mobile POS function, Phone, tablet, notebook, wearable device, etc.). The management system 300 can maintain / manage information on at least the payment history of the user.

When the management system 300 is a mobile POS system in which an application for providing a POS function is installed in a mobile terminal, the management system 300 may be implemented as a POS system independently of a separate server, The POS system may be implemented as a client structure. In the latter case, the service system 200 performs communication with the management system 300 in the case of communicating with the mobile terminal, or when communicating with a server acting as a server of the mobile terminal Can be defined as including meaning.

The management system 300 may be implemented in any form as long as it stores information such as order details and settlement of the merchant.

In the present specification, the payment history may refer to information including details of the payment to be made by the user (for example, details of the item to be charged (order details, etc.), payment amount, etc.). The settlement history may not necessarily be a payment history of goods or services ordered or purchased only by the user. For example, when the user visits the merchant with at least one other person, the payment history corresponding to the user (payment details corresponding to the user terminal 10, or payment details corresponding to the application system 100) ) May mean the details to be paid by the user group including the user and the at least one other person. That is, the payment details may include unit areas (for example, 1, 2, 3, 4, 5, and 6) classified by a certain standard in the merchant, regardless of whether the user visited alone or at least one other person and an affiliate shop Can be determined by reference. For example, each of the unit areas (e.g., 1, 2, 3, 4, 5, and 6) may mean a table or the like provided at the merchant. However, the present invention is not limited thereto, and it is sufficient that the unit areas can be divided into various methods and forms, and settlement details can be specified based on the unit areas.

The at least one merchant device (e.g., 400, 410, 420) may be a device that is implemented to send out a wireless signal including its identification information. For example, each of the merchant devices 400, 410, and 420 may be a beacon device capable of outputting a wireless signal through a BLE protocol, an NFC device such as an ultra short distance wireless communication method, and the like. However, the merchant's devices (e.g., 400, 410, and 420) do not only mean beacons or NFC devices, but can also output wireless signals including identification information of the devices using any communication method to the user terminal 10 If it is a device, it suffices.

Although not shown in FIG. 1, according to an embodiment, the management system 300 may be implemented as the merchant point device. That is, the management system 300 may further perform a function of transmitting a radio signal including its identification information.

The user terminal 10 receiving a wireless signal from the merchant point device (e.g., 400, 410, 420) may send information about the wireless signal to the service system 200. The service system 200 may then determine the location of the user terminal 10 based on the information about the wireless signal. The information on the radio signal may include information on the strength of the radio signal, as is well known. The service system 200 may store information on the location of each of the merchant units 400, 410 and 420 in advance. The method of determining the position of the user terminal 10 based on the information on the wireless signal and information on the location of each of the affiliate store devices (e.g., 400, 410, and 420) The technology is widely disclosed, so a detailed description will be omitted. As is known, when the position of the user terminal 10 is determined using the merchant point devices (for example, 400, 410, and 420), it is possible to determine the position of the user terminal 10 relatively accurately from an error range of several tens of centimeters to several centimeters have.

According to the technical idea of the present invention, there is an effect that at least the unit area in the franchisee and / or the franchisee can be identified based on the position of the user terminal 10 judged by the service system 200. [ The franchisee can be immediately identified based on the identification information of at least one of the franchise point devices (e.g., 400, 410, and 420). For example, the unit area may refer to a certain area in which the settlement items can be distinguished within the franchisee. For example, the unit area may be an area corresponding to each table provided in the franchisee.

If the unit area is determined or identified, the payment details to be paid by the user can be specified. For example, the service system 200 may determine a unit area of the user terminal 10 or the application system 100 and may transmit an identification code (e.g., a table number) of the unit area to the management system 300. Then, it can receive payment details corresponding to the unit area from the management system 300, and can transmit the payment details to the application system 100. Then, the payment page including the payment details can be loaded on the user terminal 10.

Therefore, the user can receive settlement details even if he or she directly inputs the settlement history to the user terminal 10 or does not place an order with the user terminal 10, and thus the settlement can be easily performed .

According to an embodiment of the present invention, when the franchise point can be specified at the location of the user terminal 10 and identification information (e.g., a table number) of the unit area is input by the user, the application system 100 And may receive payment details to be paid by the user.

The application system 100 may automatically load a payment page including the payment details received from the service system 200 or may load the payment page through a predetermined action of the user. The payment page may mean a payment UI in which at least the merchant is identified and information about the merchant is input. The payment page may refer to a UI (e.g., page or service) provided by an application corresponding to the application system 100. The payment page may include payment details.

When the payment page is loaded, the user can perform settlement using the loaded payment page. The payment can be performed in various known methods such as credit card, bank transfer, small-scale mobile payment, and the like, and a service for such payment can be provided in the application.

The payment can be performed by the application system 100 and the payment system 500 through communication. The settlement-side system 500 may mean an electronic financial intermediary system such as a PG or a VAN participating in settlement or a financial institution system.

According to an embodiment of the present invention, the service system 200 may further perform a payment mediation function such as performing a function of transmitting payment information specified from the application system 100 to the payment system 500.

In some implementations, the service system 200 may be an internal system of the payment system 500. It is apparent that the implementation configuration of the system can be variously implemented by the average experts in the technical field to which the present invention belongs.

The franchisee may be provided with a predetermined display device 600.

The display device 600 may be a device capable of indicating that a specific user or a specific unit area has been settled. The display device 600 may be installed in the management system 300 but may be provided in the merchant store separately from the management system 300 so that the merchant store or the user can easily visually confirm the display. Of course, according to an embodiment, the management system 300 and / or the plurality of display devices 600 may display the payment completion together.

The service system 200 can confirm whether or not the settlement is completed through communication with the application system 100 and can also confirm whether the settlement is completed through the communication with the application system 100, A payment completion signal indicating that the settlement has been completed can be transmitted. Alternatively, the service system 200 may transmit the settlement completion signal directly to the display device 600.

The display device 600 receives the payment completion signal and can display the completion of payment in a predetermined manner. By displaying that the payment has been completed through the display device 600, the merchant can easily confirm that the settlement of the user or the user group has been completed. Also, from the viewpoint of the user or the user group, it is confirmed through the display device 600 that the payment has been completed, thereby recognizing that the merchant knows about the payment completion. Of course, the completion of payment can also be performed in the management system 300.

Although FIG. 1 shows an example in which three franchise point devices (for example, 400, 410, and 420) are installed in the franchisee, it is needless to say that the number and location of the franchise point devices may vary according to the type and structure of the franchise point. According to an embodiment, when a merchant is a linear merchant and uses a beacon device, the location of the user terminal 10 for specifying payment details may be specified even if only one merchant device is installed. Further, the franchise point device may be the management system 300 described above. In this case, it is preferable that the management system 300 is fixedly provided to the merchant. The number of franchisees' beaches may vary depending on the structure, form and communication method of the franchisee.

The application may be software code installed in the user terminal 10 to implement the technical idea of the present invention. According to an example, the application may be software that is manufactured and distributed for each merchant and installed in the user terminal 10. However, the application may be an application that is produced and distributed to perform payment according to the technical idea of the present invention for a plurality of merchants. The application may be organically combined with the hardware installed in the user terminal 10 to implement the technical idea of the present invention. Accordingly, the function or operation performed by the user terminal 10 in this specification may mean that the application and the hardware of the user terminal 10 are performed by an application system that is organically combined. According to an implementation, the application may be implemented as a general purpose web client (e.g., a web browser, etc.). In such a case, it goes without saying that the configuration of the application system implemented by the application may be implemented by software code that is add-on or plug-in to the general-purpose web client.

Hereinafter, the technical idea of the present invention will be described in more detail.

2 shows a schematic configuration of an application system according to an embodiment of the present invention. 3 shows a schematic configuration of a service system according to an embodiment of the present invention.

Referring to FIG. 2, an application system 100 according to an embodiment of the present invention includes a control module 110, a wireless communication module 120, and a communication module 130. The application system 100 may further include a validity determination module 140 and / or a location justification determination module 150.

The service system 200 according to an exemplary embodiment of the present invention includes a control unit 210, a communication unit 220, and a position determination unit 230. The service system 200 may further include a mapping unit 240, a validity determination unit 250, and / or a location validity determination unit 260.

In this specification, a module or a part may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, each of the above configurations may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and may be a code physically connected to one another or a specific type of hardware May be easily deduced to the average expert in the field of the present invention. Accordingly, each of the above-described configurations refers to a combination of hardware and software that performs the functions defined in this specification, and does not mean a specific physical configuration.

In this specification, the service system 200 and / or the payment-side system 500 need not be implemented as a single physical device. Of course, a plurality of physical devices may be organically combined and implemented in the service system 200 and / or the payment system 500.

In addition, according to an embodiment, an average expert in the technical field of the present invention can readily deduce that some configurations included in the application system 100 may be implemented to be included in the service system 200 .

The application system 100 is implemented by the application installed in the user terminal 10 and the hardware of the user terminal 10 to implement the technical idea of the present invention as described above.

The control module 110 may control the other components included in the application system 100 such as the wireless communication module 120, the communication module 130, the validity determination module 140, and / 150) and the like) and / or resources.

The wireless communication module 120 may receive a wireless signal including identification information of the merchant point device from the at least one merchant point device (e.g., 400, 410, 420). The wireless communication module 120 may be implemented as a Bluetooth device capable of performing communication with the merchant point device (e.g., 400, 410, 420), but the present invention is not limited thereto. For example, 400, 410, 420, as long as it can be implemented to receive the radio signal. In addition, the wireless communication module 120 may receive a wireless signal only from a plurality of merchant point devices when a plurality of merchant point devices are installed in the merchant.

The communication module 130 may transmit information on the received at least one radio signal to the service system 200. The communication module 130 may receive the payment details from the service system 200. That is, the communication module 130 may be implemented as a device capable of performing wireless Internet communication with the service system 200.

Then, the control module 110 loads the payment page including the received payment details and performs payment corresponding to the payment details using the payment page loaded. The control module 110 may activate the application system 100 and load the payment page automatically when the control system 110 receives a signal including the payment details from the service system 200, For example, selecting the application 100, selecting an arrival notification message of the signal, and the like), the payment page may be loaded.

According to an embodiment of the present invention, when a user requests the application system 100 to load a payment page, information on the wireless signal is transmitted to the service system 200, Information about the payment history may be received.

In any case, the control module 110 can receive the payment history from the service system 200 and load the payment page including the received payment details.

The payment details may be specified by the control unit 210 included in the service system 200. The service system 200 may determine the location of the user terminal 10 based on the received at least one radio signal. The service system 200 may identify only the franchisee based on the determined location, or may identify a unit area corresponding to the user terminal 10 among the unit areas within the franchisee. Of course, the service system 200 may identify the merchant using the identification information of the merchant units (for example, 400, 410, and 420) included in the wireless signal.

The unit area may be directly determined by the service system 200. For example, the service system 200 may store predetermined spatial information in advance. The spatial information may include information on the position of the unit areas in the franchisee. In the present invention, such spatial information is defined as information on a unit area. In the service system 200, information on the unit area, which is information on how the unit area is divided in the merchant, that is, which position corresponds to which unit area, and information on the identification code of each unit area The location-unit-area mapping information may be stored.

Accordingly, when the service system 200 determines the location of the user terminal 10, the service system 200 determines which unit area corresponds to the determined location (i.e., what unit area corresponds to the user terminal 10) Can be automatically determined based on the area mapping information. Then, the management system 300 transmits the identification code of the unit area corresponding to the determined user terminal 10 (or corresponding to the application system 100) to the management system 300, The settlement history corresponding to the unit area can be received.

There may be a case where it is not preferable that the service system 200 automatically determines the unit area corresponding to the user terminal 10 due to an error determined by the service system 200. [ The service system 200 can specify only the candidate unit area based on the location and transmit the identification code of the candidate unit area, that is, the candidate identification code, to the application system 100 as needed. Then, the user may select the identification code of the unit area corresponding to the candidate identification code. Then, the selected identification code is transmitted to the service system 200, and the service system 200 can determine the unit area corresponding to the received identification code as a unit area corresponding to the user terminal 10. [ Then, the settlement corresponding to the unit area can be specified through communication with the management system 300.

According to another embodiment, the service system 200 may determine an affiliate shop where the user terminal 10 is located based on the location and / or the identification information included in the wireless signal. Then, the service system 200 may directly input or select the identification code of the unit area corresponding to the user terminal 10 from the user through the application system 100. According to an embodiment, the service system 200 may transmit, to the application system 100, all of the identification codes for the unit areas of the merchant to the application system 100 with a candidate identification code. Then, the service system 200 communicates with the management system 300 using the identification code of the unit area input or selected by the user to specify the payment details corresponding to the user terminal 10 have.

Then, the payment details are transmitted to the application system 100, and the control module 110 can load a payment page including payment details.

Such an example is shown in Fig.

4 is a diagram illustrating a billing page according to an exemplary embodiment of the present invention.

Referring to FIG. 4, an application corresponding to the application system 100 installed in the user terminal 10 can be activated automatically or at the request of a user. In the activated application, a payment page including payment details (e.g., order details, payment amount, etc.) as shown in FIG. 4 may be loaded. Further, as shown in FIG. 4, the merchant information (for example, A) may be further included in the payment page. It goes without saying that the merchant information may also be transmitted from the service system 200.

Meanwhile, the payment history transmitted from the service system 200 to the application system 100 may include information on a plurality of unit payment details. For example, a user can visit a merchant together with at least one other person to purchase goods / services. In this case, the payment history corresponding to the user and the user group corresponding to the at least one other person may be specified in the above-described manner, but the payment details of individual persons included in the user group may not be distinguished. The service system 200 may include information on a plurality of unit payment details in the payment history corresponding to the user group from the management system 300 so as to be transmitted to the application system 100 have. It is possible to allow individual persons included in the user group to select and settle only payment items corresponding to their orders by transmitting information on the plurality of unit payment details.

Such an example is shown in Fig.

FIG. 5 is a view for explaining an example in which a plurality of unit payment details are included in a payment history according to an embodiment of the present invention.

5, the payment history received by the application system 100 from the service system 200 includes a plurality of unit payment details (for example, history 1, history 2, history 3, Etc.) may be included.

The control module 110 may display information on a plurality of unit payment details included in the payment history on the user terminal 10. Then, the user can select the selected settlement history to perform settlement among the plurality of unit settlement details.

Then, the control module 110 may load the payment page including the payment amount corresponding to the selected payment details, instead of loading the payment page including the entire payment amount.

Of course, the control module 110 may first load the payment page including the payment details, and then, when the user inputs a request to select the specific unit payment details included in the payment details, Display information on the payment details, and then load a payment page corresponding to the selected payment details.

According to an embodiment of the present invention, instead of performing the payment by selecting the unit payment details, the user may select the unit payment details by dividing the total payment amount by a predetermined method (for example, the total payment amount divided by the number of the payer included in the user group) You can also specify the amount of the payment as the amount of the payment you want to pay.

In this case, the control module 110 may receive the information (for example, the number of payees, etc.) for calculating the divided payment amount when the user requests the divided payment amount after displaying the payment details. Depending on the embodiment, the number of payees is illustrated and may be selected by the user. Then, the control module 110 determines the divided payment amount determined based on the received information as an amount to be paid by the user, and stores the payment page corresponding to the divided payment amount, that is, the divided payment amount as a payment amount You can also load a payment page. It is needless to say that the method of calculating the divided payment amount may be variously performed according to the method of processing the end portion.

On the other hand, a method in which a plurality of payers make a partial settlement of the settlement amount is not limited to the 1 / N method but the settlement amount corresponding to a specific payer is specified and the remaining payer (N-1) And the payment can be performed in a variety of ways. The average experts in the technical field of the present invention can easily deduce.

The present invention provides a technical idea that allows a user to easily settle only a payment amount corresponding to a part of his / her order or payment to be paid if the user has to settle the payment with at least one other payer.

Then, the application system 100 can transmit information on the selected payment history to the service system 200. The service system 200 can transmit that the selected payment has been paid to the management system 300.

The management system 300 can also check the settlement history of the settlement among the plurality of unit settlement histories included in the settlement history. Accordingly, it is possible to maintain / manage the information on the remaining payment details that have not been paid out of the payment details. Therefore, other users (payer) other than the user can separately perform payment according to the technical idea of the present invention or perform settlement before leaving the merchant. For example, the management system 300 can display information on the remaining payment history maintained / managed when the user group is exited on the management system 300, and at least one user group You can check the remaining payment details and make a payment.

As described above, according to the technical idea of the present invention, it is possible to specify payment details on the basis of a unit area divided in the merchant store, and to settle only the details corresponding to each user.

Also, the control module 110 may receive the identification code of the candidate unit area determined based on the position of the user terminal 10 from the service system 200, as described above. The control module 110 may provide the user with information on the candidate identification code through the user terminal 10 and may select an identification code corresponding to the user terminal 10 from the corresponding user.

Such an example will be described with reference to FIG.

6 is a diagram for explaining an example in which a candidate identification code is used according to an embodiment of the present invention.

As shown in FIG. 6, the service system 200 may transmit a payment history including a plurality of candidate identification codes (e.g., No. 1, No. 4, No. 6, etc.) to the application system 100. The control module 110 may then display information on the plurality of candidate identification codes on the user terminal 10. Then, an identification code of a unit area (e.g., a table) corresponding to the user can be selected from the user through a predetermined UI.

The control module 110 may transmit the selected identification code to the service system 200 and may receive the payment details corresponding to the identification code from the service system 200 in response thereto.

The candidate identification code may be a unit area (for example, a unit area existing within a certain range based on the position of the user terminal 10) selected from the unit areas within the affiliation point based on the position of the user terminal 10 However, depending on an embodiment, all of the unit areas within the franchisee may be selected as the candidate identification code. The service system 200 may receive the identification code of the unit area corresponding to itself from the user through the application system 100 without separately transmitting the candidate identification code as described above .

The service system 200 may automatically determine the unit area corresponding to the user terminal 10 based on the position of the user terminal 10 determined based on the information on the at least one radio signal, The unit area corresponding to the user terminal 10 may be selected or input from the user through communication with the system 100. [

In this case, if the position of the unit area is changed, the service system 200 can automatically update the information on the unit area, that is, the unit area mapping information There is also an effect. For example, the merchant can change the location of the unit area (e.g., table) as needed. In this case, information on the changed unit area on the merchant's side may be updated each time, or the service system 200 may visit the merchant Re-modeling the region information can be very inefficient. However, if the position of the user terminal 10 is determined according to the technical idea of the present invention and the unit area corresponding to the determined position of the user terminal 10 is determined by the user, the position unit area mapping information may be automatically updated There is an effect.

Such an example will be described with reference to FIG.

7 is a view for explaining an example in which unit area mapping information is used according to an embodiment of the present invention.

First, referring to FIG. 7A, the location system area mapping information as shown in FIG. 7A may be maintained / managed in the service system 200 in advance. The service system 200 may store the location-unit-area mapping information and the location information of each of the at least one merchant device (for example, 400, 410, and 420) within the merchant store in advance.

For example, as shown in FIG. 7A, the franchisee may have six unit areas (e.g., a table). And the service system 200 may determine that the user terminal 10 is present at the specific location 20. [ Then, the service system 200 can determine a unit area (e.g., a table) corresponding to the user terminal 10 as the unit area 11. The identification code corresponding to the unit area 11 can be confirmed based on the position unit area mapping information. Then, the payment details corresponding to the user terminal 10 can be specified through the communication with the management system 300 as payment details corresponding to the unit area 11.

However, the unit area of the franchisee may be changed. For example, if the information on the changed unit area is schematized, it may be as shown in FIG. 7B.

The unit areas 11, 12, 13, 15, and 16 included in the franchisee can be changed as shown in FIG. 7B.

The service system 200 determines the location of the user terminal 10 based on the at least one radio signal, that is, the first location 20-1, the second location 20-2, the third location 20 3, the fourth position 20-4, the fifth position 20-5, the sixth position 20-6, and the seventh position 20-7 may be as shown in FIG. 7B.

In this case, when the service system 200 determines the unit area corresponding to the user terminal 10 without confirmation from the user, and when the position unit area mapping information is not updated, the fifth position 20-5, The sixth position 20-6, and the seventh position 20-7 may be determined as the fourth unit area 14. [

However, according to the technical idea of the present invention, when the service system 200 determines that the user terminal 10 exists in the fifth position 20-5, the sixth position 20-6, or the seventh position 20-7 And the fifth position 20-5, the sixth position 20-6, or the seventh position 20-7 corresponds to the first unit area 11 from the application system 100 When the information is received, the service system 200 may update the stored location unit area mapping information as shown in FIG. 7B. That is, it can be updated that the area of the first unit area 11 is changed compared to that shown in FIG. 7A.

The user terminal 10 is present in the first position 20-1, the second position 20-2, the third position 20-3 and the fourth position 20-4, In the case where one unit area is the first unit area 11, the location unit area mapping information may not be updated because it corresponds to the existing location unit area mapping information.

According to the technical idea of the present invention, the service system 200 constructs the position unit area mapping information based on the information on the unit area specified by the user and the position of the user terminal 10 through the application system 100 ≪ / RTI >

On the other hand, if the payment details corresponding to the user terminal 10 (or the application system 100) are specified based on the unit area, the application system 100 uses the payment page including the specified payment details Can be performed.

At this time, the validity determination module 140 included in the application system 100 or the validity determination unit 250 included in the service system 200 can determine the validity of the payment amount.

The validity of the payment amount can be determined based on the characteristics of the merchant. The franchise characteristic may include information on the amount of payment information of the franchisee and / or the amount of money for each franchisee's sales item. The statistical information of the payment amount of the merchant may include a distribution of the payment amount generated at the merchant, a range of the payment amount, and the like. In addition, various statistical information for determining the validity of the payment amount may be configured. Can be easily understood by an average expert in the field of technology.

The validity determination module 140 and / or the validity determination unit 250 may determine whether the payment amount specified based on the merchant characteristics is valid. If the validity of the settlement amount is determined, it is possible to prevent wrong settlement or illegal settlement as well as a problem that the user performs the settlement without checking the settlement amount when the settlement is performed online.

Such an example will be described with reference to Fig.

The information 40 on the merchant characteristics may include payment amount statistical information (for example, 42) of the merchant and / or information (for example, 41) on the amount of each sales item as shown in FIG.

The settlement amount statistical information (for example, 42) of the merchant may include information on the settlement amount for each settlement item performed at the merchant. For example, the settlement case 1 may be 20000 won, the settlement case 2 may be 50000 won, and the settlement case 3 may be 6000 won. Based on the settlement amount statistical information (for example, 42) of the merchant, the validity determination module 140 and / or the validity determination unit 250 may calculate a range of the amount of payment corresponding to a statistically normal range Range covered within a certain period). The validity determination unit 250 determines whether the settlement details other than those within the normal range are specified by the service system 200 and transmitted to the application system 100 (that is, when the settlement amount is not valid) And the validity determination module 140 may display the information indicating the abnormal payment details, that is, the validity, in the user terminal 10 in a predetermined manner. The information on the validity may include various information or opinions related to the validity, as well as information on whether the validity is valid or not. Alternatively, depending on the implementation, the settlement may be prevented from being performed when the settlement amount is not valid. For example, it is possible to display information such as statistically unique settlement details or opinions on the user terminal 10. When the validity judging unit 250 judges the validity of the settlement amount, the validity determining unit 250 transmits the information or the opinion related to the validity of the settlement amount to the application system 100 so that the application system 100 displays Of course.

Then, the user can confirm that the information or opinion about the validity is displayed, and confirm that his or her payment details correspond to the order / purchase of the user group including himself or himself, and then perform the settlement.

When information on the amount of money for each sales item 41 is included in the information on the merchant characteristics, it is possible to prevent a case where the amount of settlement that can not be deduced according to the amount of each sales item is specified as the payment details. For example, as shown in FIG. 8, when the commodity 1 is 6000 won, the commodity 2 is 7000 won, and the commodity 3 is 9000, the settlement amount in which the amount in the amount of 100 yen exists exists can not be derived. Or a settlement amount of 15,000 won can not be derived. Therefore, even in this case, the user terminal 10 can display the information about the validity or the opinion so that the user can be alert when the user performs the settlement. Or the payment may not be performed at all. The application system 100 or the service system 200 may not transmit the payment information specified by the user to the payment system 500 in order to prevent the payment from being performed.

In order to improve the security of the technical idea of the present invention, the position justification may be further judged.

The position legitimacy is determined based on the first position determined based on at least one radio signal and the first position determined based on another scheme (for example, determination of position through GPS provided in the user terminal 10 and / 2 positions correspond to each other. If the attacker attempts to make a fraudulent settlement using a duplicated terminal without being located at a particular merchant, the first location is determined to be within the franchise, but the second location is determined to be the actual location of the attacker, .

Alternatively, the location justification may be determined by whether the first location, which is determined based on at least one radio signal, and the location of the merchant store previously stored by the service system 200 or the application system 100 correspond to each other have. Then, the user terminal 10 can block the risk of the illegal settlement occurring at a place where the wireless signal is forged or falsified due to hacking or the like and is not the location of the merchant.

The location validity module 150 included in the application system 100 receives the first location from the service system 200 and determines a second location for determining the other mode or a location of an affiliate shop that the user knows The location validity judgment procedure can be performed.

Alternatively, the position justification determining unit 260 included in the service system 200 compares the position determined by the service system 200 with the second position received from the application system 100 or the location of an affiliate shop that the terminal 200 knows, Can be performed.

The location validity determining module 150 and / or the location validity determining unit 260 may perform a predetermined control operation so that settlement is not performed when it is determined that the location is not justified. For example, since the location is not legitimate, the user can be requested to proceed with the settlement process again, or the settlement can be prevented from being performed by controlling the user to not transmit the settlement information to the settlement system 500.

On the other hand, when payment is completed by the application system 100, the control unit 21 included in the service system 200 can transmit a payment completion signal indicating completion of payment to the display device 600 installed in the merchant have. A payment completion signal may be transmitted through the management system 300 or directly if the display device 600 has a communication function.

The display device 600 may display information indicating that settlement is completed in a predetermined manner. As described above, the display apparatus 600 can be implemented not only as one apparatus but also as a plurality of apparatuses in various ways.

The display device 600 can easily confirm that the specific user or user group has completed the settlement on the merchant's side by allowing the display device 600 to easily confirm the completion indication within the merchant's shop. Also, it is effective to confirm that the settlement is normally completed in a specific user or user group, and to leave the merchant with ease.

3, the control unit 210 may include other components included in the service system 200 (e.g., a communication unit 220, a position determination unit 230, a mapping unit 240, a validity determination unit 250, and / or the location justification determining unit 260, and the like).

The communication unit 220 may communicate with the application system 100, the management system 300, the payment system 500, and / or the display device 600.

The communication unit 220 may receive information on a radio signal output from the application system 100 from at least one merchant device (e.g., 400, 410, 420).

The location determiner 230 may determine the location of the user terminal 10 based on the information on the radio signal. The information on the radio signal may include information on the strength of the radio signal received from each of the merchant devices (e.g., 400, 410, and 420). The location determining unit 230 may determine whether the location information of the user terminal 10 based on the location information of the franchise store and / or the at least one franchise point device (e.g., 400, 410, 420) Can be determined.

The controller 210 can specify the payment details corresponding to the user terminal 10. The control unit 210 may transmit information on the specified payment details to the application system 100 through the communication unit 220. [

The control unit 210 may receive the entire payment details of the unit area corresponding to the user terminal 10 from the management system 300 and transmit the entire payment details to the application system 100, As described above, information on a plurality of unit payment details corresponding to the unit area may be included in the payment details and transmitted. Information on the plurality of unit settlement details may be received from the management system 300.

When a part of the plurality of unit payment details is selected and paid, the control unit 210 transmits information on the selected payment details to the management system 300 so that the management system 300 can receive information on the remaining payment details And can be controlled to be maintained / managed.

Also, the control unit 210 may specify at least one candidate identification code corresponding to the user terminal 10 and transmit at least one candidate identification code to the application system 100, as described above. Then, it is possible to receive the identification code selected by the user in the candidate identification code, and specify the unit area corresponding to the received identification code as the unit area corresponding to the user terminal 10. [ The settlement history corresponding to the specified unit area can be received from the management system 300 and the payment details corresponding to the user terminal 10 can be specified.

The control unit 210 receives the identification code of the unit area corresponding to the user terminal 10 input by the user from the application system as described above and transmits the identification code of the unit area corresponding to the position of the user terminal 10, And transmits the identification code to the management system 300 of the merchant, which is determined based on the identification information of the user terminal 10, the identification code, the payment history corresponding to the identification code from the management system, You can also specify the details.

The mapping unit 240 may maintain / manage the position unit area mapping information as described above. In addition, the mapping unit 240 may selectively update the location-unit-area mapping information based on a response received from the application system 100.

The validity determination unit 250 may determine the validity of the payment amount based on the franchise point characteristics of the franchisee as described above. As a result of the determination, the application system 100 can transmit information or opinions indicating the validity of the payment amount.

The position justification determining unit 260 may determine the position justification as described above. To this end, the position determined by the position determining unit 230 may be compared with the second position of the user terminal 10 determined to be in a different manner to determine whether they correspond to each other. Alternatively, the location information may be compared with the information on the location of each affiliated store stored in the service system 200 to determine whether they correspond to each other. If it is determined that there is no position validity, the control system 100 may transmit a control signal to the application system 100 to prevent payment from being performed. When the service system 200 makes a payment mediation, the location validity determining unit 260 may control the payment information to not be transmitted to the payment-side system 500 to prevent payment from being performed.

The payment method using the merchant point device according to the embodiment of the present invention can be implemented as a 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 hard disk, a floppy disk, an optical data storage device, and the like in the form of a carrier wave (for example, . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

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 appended claims. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (29)

A payment method using at least one merchant point device installed in an affiliated store,
The application system installed in the user terminal of the user receiving the radio signal including the identification information of the merchant point device from the at least one merchant point device;
Transmitting information on the radio signal received by the application system to a service system;
Wherein the settlement history corresponding to the application system from the service system corresponds to the application system, and the settlement breakdown is determined based on the determined location based on the wireless signal, - receiving a notification via communication with the mobile terminal;
Loading the payment page including the payment history received by the application system; And
And a payment corresponding to the payment history is performed using the payment page loaded.
The method according to claim 1, wherein the payment method using the merchant point device comprises:
The application system displays information on a plurality of unit payment details included in the payment history and receives a selection payment history for performing payment among the plurality of unit payment details; or
Further comprising displaying the divided payment amount calculated by the application system in a predetermined manner among the payment amounts corresponding to the payment details requested by the divisional payment.
The method according to claim 2, wherein the payment method using the merchant point device comprises:
Managing information on the selected settlement history or the settlement details other than the divided settlement amount in which the settlement has been performed in the management system; And
And displaying information on the remaining payment details in the management system,
And the payment for the remaining payment details is performed by at least one user group including the user based on the information on the remaining payment details displayed.
The method according to claim 1, wherein the payment method using the merchant point device comprises:
Receiving, by the application system, a candidate identification code which is an identification code of at least one candidate unit area corresponding to the user terminal from the service system; And
Further comprising receiving from the user an identification code corresponding to the user terminal among the information on the candidate identification code received by the application system,
Wherein the step of the application system receiving the payment details corresponding to the application system from the service system comprises:
And receiving the payment history corresponding to the selected identification code from the service system.
The method according to claim 1, wherein the payment method using the merchant point device comprises:
Receiving the identification code of the unit area corresponding to the user terminal from the user; And
The application system transmitting the identification code to the service system,
Wherein the step of the application system receiving the payment details corresponding to the application system from the service system comprises:
And receiving the payment history corresponding to the transmitted identification code from the service system.
The method according to claim 4 or 5, wherein the payment method using the merchant point device comprises:
Maintaining the position unit area mapping information including information on the unit area in the franchise by the service system;
Determining whether the identification information received from the application system and selected or input by the user and the location information of the user terminal determined by the service system corresponds to the location unit area mapping information; And
And updating the location unit area mapping information by the service system based on the determination result.
The method according to claim 1, wherein the payment method using the merchant point device comprises:
Further comprising displaying a completion indicator indicating completion of payment corresponding to the payment history on the display device installed in the merchant when the payment corresponding to the payment details is performed.
The method according to claim 1, wherein the payment method using the merchant point device comprises:
Further comprising the step of determining the validity of a payment amount included in the payment history by the application system or the service system,
The validity of the payment amount,
The payment amount statistical information of the franchisee, or the merchant characteristics including the information on the amount of money by the franchisee's sales item.
The method according to claim 8, wherein the payment method using the merchant point device comprises:
If it is determined that the payment amount is not valid,
Further comprising the step of the application system displaying information on the validity of the payment amount on the payment page.
The method according to claim 1, wherein the payment corresponding to the payment details is performed by:
A location validity determining procedure in which it is determined by the service system or the application system whether the second location of the user terminal determined based on the location signal and the other mode based on the radio signal correspond to each other; or
Wherein the location validity determination procedure is performed by the service system or the application system, wherein the location based on the radio signal and the location of the previously registered franchisee correspond to each other,
And the settlement corresponding to the payment details is performed only when the location is justified.
A payment method using at least one merchant point device installed in an affiliated store,
Receiving information on a wireless signal including identification information of a merchant point device output from the at least one merchant point device from an application system installed in a user terminal of the user;
The service system determining the location of the user terminal based on the information about the wireless signal;
The service system communicating with the management system of the merchant to specify the payment details corresponding to the application system; And
The service system sending the payment history to the application system,
Wherein the settlement page including the settlement history is loaded and the settlement corresponding to the settlement history is performed by using the settlement page loaded by the application system.
12. The method of claim 11, wherein the service system transmitting the payment history to the application system comprises:
Wherein the service system transmits the payment history including a plurality of unit payment details to the application system,
By the application system,
Wherein the information on the plurality of unit payment details is displayed and a payment page corresponding to the selected payment details to be paid out among the plurality of unit payment details is loaded.
13. The method according to claim 12, wherein the payment method using the merchant point device comprises:
Further comprising the step of the service system receiving information on the selective payment history from the application system and transmitting the information to the management system,
By the management system,
Information on the remaining payment details excluding the selected payment details of the payment details is managed, information on the remaining payment details is displayed,
And the payment for the remaining payment details is performed by at least one user group including the user based on the information on the remaining payment details displayed.
The method according to claim 11, wherein the payment method using the merchant point device comprises:
The service system identifying a candidate identification code that is an identification code of at least one candidate unit region corresponding to the user terminal based on the location;
Transmitting a specific at least one candidate identification code to the application system; And
Further comprising receiving from the application system an identification code of a unit area corresponding to the user terminal among the information on the candidate identification code from a user,
Wherein the service system communicates with the management system to specify a payment history corresponding to the application system,
And receiving the payment history corresponding to the identification code from the management system.
The method according to claim 11, wherein the payment method using the merchant point device comprises:
The service system receiving an identification code of a unit area corresponding to the user terminal input by a user from the application system; And
Further comprising transmitting the identification code to the management system in which the service system is determined based on the location or the identification information and receiving the payment history corresponding to the identification code,
Wherein the service system communicates with the management system to specify a payment history corresponding to the application system,
And specifying the received payment history as payment details corresponding to the application system.
16. The method according to claim 14 or 15, wherein the payment method using the merchant point device comprises:
The service system maintaining location unit area mapping information including information on a unit area within the franchisee;
Determining whether the service system is received from the location and the application system and whether the identification information selected or input by the user corresponds to the location unit area mapping information; And
And updating the location unit area mapping information by the service system based on the determination result.
The method according to claim 11, wherein the payment method using the merchant point device comprises:
Further comprising the step of determining the validity of the settlement amount included in the settlement history of the service system,
The validity of the payment amount,
The payment amount statistical information of the franchisee, or the merchant characteristics including the information on the amount of money by the franchisee's sales item.
12. The method of claim 11, wherein the payment corresponding to the payment details is performed by:
A location validity determination procedure in which it is determined whether the service system is based on the wireless signal and whether the second location of the user terminal determined by the location and the other scheme correspond to each other; And performing the position justification determining procedure in which it is determined whether or not the positions correspond to each other,
And the settlement corresponding to the payment details is performed only when the location is justified.
A recorded computer program installed in a data processing device and for carrying out the method according to any one of claims 1 to 10.
An application system installed in a user terminal of a user for a payment method using at least one merchant point device installed in an affiliated store,
A wireless communication module for receiving a wireless signal including identification information of the merchant point device from the at least one merchant point device;
And transmits the information on the received radio signal to the service system, wherein the settlement history corresponding to the application system from the service system, which is based on the determined position when the position of the user terminal is determined based on the radio signal, And communicating with the management system of the merchant;
And a control module for loading a payment page including the received payment details and performing settlement corresponding to the payment details using the loaded payment page.
21. The apparatus of claim 20,
And displaying the information on the plurality of unit settlement histories included in the settlement history, selecting a settlement history for performing settlement among the plurality of unit settlement details, loading a settlement page corresponding to the selected settlement history,
And a payment page corresponding to the partial payment amount calculated by a predetermined method among the payment amount corresponding to the payment details is loaded.
21. The system of claim 20,
And a validity determination module for determining the validity of the settlement amount included in the settlement history based on the characteristics of the merchant store including the payment amount statistical information of the merchant or information on the amount of money by the sales item of the merchant.
21. The system of claim 20,
Receiving information on the location based on the radio signal from the service system and determining a second location of the user terminal in another manner to determine whether the location and the second location correspond to each other
Further comprising a position justification determining module for determining whether the position and the location of the previously registered franchisee correspond to each other,
The control module includes:
And to perform settlement corresponding to the payment history only when the position is justified.
1. A service system for a payment method using at least one merchant point device installed at an affiliated store,
A communication unit for receiving information on a wireless signal including identification information of a merchant point device output from the at least one merchant point device from an application system installed in a user terminal of the user;
A location determination unit for determining a location of the user terminal based on the information about the wireless signal;
And a control unit for communicating with the management system of the merchant to specify the payment details corresponding to the application system and transmitting the payment details to the application system via the communication unit,
Wherein the billing page including the payment details is loaded and the payment corresponding to the payment details is performed by using the payment page loaded by the application system.
25. The apparatus of claim 24,
Transmits the payment details including a plurality of unit payment details to the application system
Wherein the information on the plurality of unit payment details is displayed by the application system and a payment page corresponding to the selected payment details is loaded when a selected payment details to be paid out among the plurality of unit payment details are selected, .
25. The apparatus of claim 24,
Identifying a candidate identification code that is an identification code of at least one candidate unit region corresponding to the user terminal based on the position,
Transmitting a specific at least one candidate identification code to the application system,
Receiving an identification code of a unit area corresponding to the user terminal from information on the candidate identification code from the application system,
And receives the payment history corresponding to the received identification code from the management system.
25. The apparatus of claim 24,
Receiving an identification code of a unit area corresponding to the user terminal input by a user from the application system,
Transmits the identification code to the management system of the merchant determined based on the position or the identification information,
And receives the payment history corresponding to the identification code from the management system.

27. The system of claim 26,
Further comprising a mapping unit for storing location unit area mapping information including information on a unit area in the franchisee,
Wherein the mapping unit comprises:
Determining whether the location and the identification information received from the application system selected by the user correspond to the location unit area mapping information,
And updates the position unit area mapping information based on the determination result.
25. The system of claim 24,
Further comprising a validity determination unit for determining the validity of the settlement amount included in the settlement history based on the characteristics of the merchant store including the settlement amount statistical information of each merchant's payment or the amount of money of each merchant's sales item.

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