KR20160127315A - System and method for gas station payment using smart appliances. - Google Patents

System and method for gas station payment using smart appliances. Download PDF

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Publication number
KR20160127315A
KR20160127315A KR1020150058560A KR20150058560A KR20160127315A KR 20160127315 A KR20160127315 A KR 20160127315A KR 1020150058560 A KR1020150058560 A KR 1020150058560A KR 20150058560 A KR20150058560 A KR 20150058560A KR 20160127315 A KR20160127315 A KR 20160127315A
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KR
South Korea
Prior art keywords
payment
information
marker
smart card
application
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Application number
KR1020150058560A
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Korean (ko)
Inventor
주홍찬
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주홍찬
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Priority to KR1020150058560A priority Critical patent/KR20160127315A/en
Publication of KR20160127315A publication Critical patent/KR20160127315A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G06Q20/145—Payments according to the detected use or quantity
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Abstract

The present invention relates to a gas station settlement system and method using a smart device,
A virtual money server unit in which a consumer controls or stores member information in a smart card manufactured as an application or charging or accepting a virtual money, or impossibility of payment or cancellation of payment;
A payment information server unit for generating a barcode or QR code or a text marker or image marker or NFC, RFID, Beacon or WIFI AP containing merchant information necessary for using a smart card manufactured by an application and amount information to be paid;
Exposing or generating the barcode or QR code or text marker or image marker or NFC or RFID or Beacon or WIFI AP data containing the merchant information generated from the cloud information server and the amount information to be paid, Or a POS terminal that exposes payment completion data;
A security input unit for inputting a password or a secret pattern or a fingerprint of the user or the user's iris, which is provided for securing the smart card manufactured by the application, when the user executes the smart card manufactured by the application to make payment using the smart card manufactured by the application;
A marker reader unit configured to read a barcode or QR code or a text marker or an image marker or NFC or RFID or Beacon or WIFI AP data containing merchant information and amount information to be paid;
A barcode or a QR code or a text marker generated from the merchant information received from the POS terminal and the amount information to be paid and transmitted to the payment information server unit, or the merchant information received from the POS terminal in the payment information server unit, An image marker, NFC, RFID, Beacon or WIFI AP data to the POS terminal, or receives the data read through the marker reader unit and transmits the data to the virtual money server unit, or receives the payment completion or payment impossibility information from the virtual money server unit And a relay server unit for receiving the smart card and transmitting it to a smart card manufactured by a POS terminal or an application.

Figure pat00001

Description

TECHNICAL FIELD [0001] The present invention relates to a system and method for a gas station payment using a smart device,

The present invention relates to a gas station payment system and method using a smart device that makes payment using a smart card manufactured as an application in a self-service station without a separate bar code reader or an NFC reader

More particularly, the present invention relates to a virtual money server unit for storing or storing member information in a smart card manufactured by an application, charging or accepting virtual money,

A payment information server unit for generating barcode or QR code or text marker or image marker or NFC, RFID, Beacon or WIFI AP containing merchant information and amount information to be paid for using the smart card manufactured by the application,

Exposing or generating the barcode or QR code or text marker or image marker or NFC or RFID or Beacon or WIFI AP data containing the merchant information generated from the cloud information server and the amount information to be paid, Or a POS terminal that exposes the payment completion data,

A security input unit for inputting a password or a secret pattern or a fingerprint of the user or his or her iris provided for the purpose of securing the smart card manufactured by the application when the user executes the smart card manufactured by the application to make payment using the smart card manufactured by the application,

A marker reader unit configured to read barcode or QR code or text marker or image marker or NFC or RFID or Beacon or WIFI AP data containing merchant information and amount information to be paid,

A barcode or a QR code or a text marker generated from the merchant information received from the POS terminal and the amount information to be paid and transmitted to the payment information server unit, or the merchant information received from the POS terminal in the payment information server unit, An image marker, NFC, RFID, Beacon or WIFI AP data to the POS terminal, or receives the data read through the marker reader unit and transmits the data to the virtual money server unit, or receives the payment completion or payment impossibility information from the virtual money server unit The present invention relates to a system and method for charging a gas station using a smart device capable of maximizing the utilization rate of a smart card manufactured as an offline application by a system including a relay server unit for receiving a POS terminal or a smart card manufactured by an application.

PinTech, a financial product using smartphones, is a hot topic all over the world.

In the case of domestic card companies, the number of magnetic card issuance is about 100 million per year. To reduce the expenditure of about 200 billion won per year, the smart card made by the application was released as a part of Pin Tech.

In the case of the smart card manufactured by most of the released applications, the bar code is generated and it is impossible to use the self-lubrication in offline mode because there is no POS terminal equipped with a barcode reader or an NFC reader.

Therefore, when using a self-service gas station offline, payment can be completed using an application-made smart card even if there is no POS terminal equipped with a bar code reader or an NFC reader. Further, A new payment solution is needed to reduce payment fees with a payment solution.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to solve the above-mentioned problems, and it is an object of the present invention to provide a new payment solution, which is not an existing payment medium, and which can be paid only by a smart card manufactured by an application in a POS terminal without a barcode reader or an NFC reader in a self- The present invention provides a gas station settlement system and method using a smart device that reduces the expenditure of a settlement fee that has been spent.

A gas station billing system using a smart device according to the present invention includes a virtual money server unit for storing or storing member information in a smart card manufactured by an application or charging or accepting a virtual money,

A payment information server unit for generating a barcode or QR code or a text marker or image marker or NFC, RFID, Beacon or WIFI AP containing merchant information necessary for using a smart card manufactured by an application and amount information to be paid;

Exposing or generating the barcode or QR code or text marker or image marker or NFC or RFID or Beacon or WIFI AP data containing the merchant information generated from the cloud information server and the amount information to be paid, Or a POS terminal that exposes payment completion data;

A security input unit for inputting a password or a secret pattern or a fingerprint of the user or the user's iris, which is provided for securing the smart card manufactured by the application, when the user executes the smart card manufactured by the application to make payment using the smart card manufactured by the application;

A marker reader unit configured to read a barcode or QR code or a text marker or an image marker or NFC or RFID or Beacon or WIFI AP data containing merchant information and amount information to be paid;

A barcode or a QR code or a text marker generated from the merchant information received from the POS terminal and the amount information to be paid and transmitted to the payment information server unit, or the merchant information received from the POS terminal in the payment information server unit, An image marker, NFC, RFID, Beacon or WIFI AP data to the POS terminal, or receives the data read through the marker reader unit and transmits the data to the virtual money server unit, or receives the payment completion or payment impossibility information from the virtual money server unit And a relay server unit for transmitting the received smart card to a smart card manufactured by a POS terminal or an application.

According to another aspect of the present invention, there is provided a gas station settlement method using a smart device, comprising: storing member information in a virtual money server unit to use a smart card manufactured by an application;

Charging a virtual money at a virtual money server to use a smart card manufactured by an application;

Inputting a payment amount to a POS terminal when the customer gasifies the self-service station, and selecting the payment method as a smart card manufactured by the application;

When the input of the payment amount and the payment method are completed, the information on the corresponding POS terminal is transmitted to the payment information server unit, and the payment information server unit receives the bar code or QR code, text marker or image marker, NFC or RFID Or transmitting data generated after generating Beacon or WIFI AP data to a corresponding POS terminal;

Executing a corresponding application in order to make payment with a smart card manufactured by an application, inputting a password or a secret pattern to be input for security of a smart card produced by the application, or a fingerprint of the user or the iris of the user in the security input unit;

Receiving a barcode or QR code, a text marker, an image marker, NFC, RFID, Beacon or WIFI AP data exposed in the POS terminal through the marker reader unit after the security input is completed in the security input unit;

Transmitting data received through the marker reader unit to a virtual money server unit;

Controlling data transmitted from the marker reader unit by a virtual money server unit to calculate payment approval or non-payment data and transmitting the data to a smart card manufactured by the corresponding POS terminal or application;

A feature that includes controlling and calculating the payment cancellation at the virtual money server unit when the payment is canceled at the request of the consumer and transmitting the data to the smart card manufactured by the payment POS terminal or application have.

According to the gas station billing system and method using the smart device according to the present invention, in the case of a smart card manufactured by a conventional application, when paying at a self-service station, the POS terminal having the desired bar code reader or NFC reader However, if the payment system is used, payment can be made even without the above-mentioned terminal, so that it is possible to reduce the purchase cost of the above-mentioned terminal goods and to reduce the purchase cost of the magnetic card goods, and it is not an existing payment medium It is possible to pay with the new pin-tec medium, which has the effect of reducing the payment fee expense that was already spent.

1 is a block diagram showing a configuration of a gas station settlement system using a smart device according to an embodiment of the present invention;
BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a smart payment service,
3 is a flowchart of a gas station settlement method using a smart device according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a gas station settlement system and method using a smart device according to the present invention will be described with reference to the accompanying drawings.

1 is a block diagram showing a configuration of a gas station settlement system using a smart device according to an embodiment of the present invention.

Referring to FIG. 1, a gas station billing system using a smart device includes a virtual money server unit (not shown) for storing member information or a virtual money in a smart card manufactured by an application, 112,

A payment information server unit 104 for generating a barcode or QR code or a text marker or image marker or NFC, RFID, Beacon or WIFI AP containing merchant information necessary for using a smart card manufactured by an application and amount information to be paid, , Or receives a barcode or QR code or a text marker or image marker or NFC or RFID or Beacon or WIFI AP data containing the merchant information generated from the payment information cloud server unit 104 and the amount information to be paid Or POS terminal 102 which generates or expires payment completion data, and a smart card which is manufactured by an application for payment by a consumer using a smart card manufactured by an application, Also provided is a password or secret pattern An application for reading a barcode or QR code or a text marker or an image marker or an NFC or RFID or Beacon or WIFI AP data containing the merchant information and amount information to be settled, And transmits the payment information to the payment information server unit 104 or receives the payment information from the POS terminal 102 by the payment information server unit 104 A barcode or a QR code or a text marker or an image marker or NFC or RFID or Beacon or WIFI AP data generated by the merchant information and payment amount information data to be paid to the POS terminal 102 or via the marker reader 108 And transmits the read data to the virtual money server unit 112 or the virtual money server unit 112 And a relay server unit 110 for receiving the non-settlement information and transmitting it to the POS terminal 102 or a smart card manufactured by an application.

2 is a diagram illustrating an example in which a customer uses a gas station settlement service using a smart device according to an embodiment of the present invention.

2, when a consumer fills a virtual currency to use a gas station settlement service using a smart device and inputs a payment amount to a POS terminal attached to a lubricator, a barcode containing the merchant information and the payment amount information is generated When the consumer inputs the password and the marker reader unit is created, the barcode reader unit reads the barcode, and the payment is completed.

FIG. 3 is a flowchart of a gas station settlement method using a smart device according to an embodiment of the present invention.

Referring to FIG. 3, a consumer stores membership information in a virtual money server unit to use a smart card manufactured as an application (S200)

Then, the virtual money is charged in the virtual money server unit by the consumer to use the smart card manufactured in the application (S202)

When the consumer gasifies the self-service station, the user inputs the amount of money to be paid into the POS terminal, and selects the payment method as a smart card manufactured by the application (S204)

When the input of the payment amount and the payment method are completed, the information on the corresponding POS terminal is transmitted to the payment information server unit, and the payment information server unit receives the bar code or QR code, text marker or image marker, NFC or RFID Or Beacon or WIFI AP data to the corresponding POS terminal (S206)

A consumer executes the application to make payment using a smart card manufactured as an application and inputs a password or a secret pattern or a fingerprint or a personal iris to be input for securing a smart card manufactured by the application from the security input unit.

After the correct security input is completed in the security input unit, a barcode or QR code, a text marker, an image marker, NFC, RFID, Beacon or WIFI AP data exposed to the corresponding POS terminal is received through the marker reader unit (S210)

And transmits the data received through the marker reader unit to the virtual money server unit (S212)

The data transmitted from the marker reader unit is controlled by the virtual money server unit to calculate payment approval or non-payment data, and the corresponding data is transmitted to the smart card manufactured by the corresponding POS terminal or application (S214)

If the payment is canceled at the request of the consumer, the virtual money server unit controls and calculates the payment cancellation, and transmits the data to the smart card manufactured by the payment POS terminal or the application (S216).

Although the description has been described as an example of use at a self-service station, it goes without saying that it can be used in other on-line shops.

The security input part is written once before the payment based on the secure device, but when the security input part is additionally required by the request of the affiliated card company, it can be added in the middle of the payment progress step.

100: Gas station billing system using smart device
102: POS terminal
104: payment information server unit
106: security input
108: marker reader unit
110: Relay server unit
112: Virtual currency server section

Claims (2)

In the gas station settlement system using the smart device according to the present invention,
A virtual money server unit in which a consumer controls or stores member information in a smart card manufactured as an application or charging or accepting a virtual money, or impossibility of payment or cancellation of payment;
A payment information server unit for generating a barcode or QR code or a text marker or image marker or NFC, RFID, Beacon or WIFI AP containing merchant information necessary for using a smart card manufactured by an application and amount information to be paid;
Exposing or generating the barcode or QR code or text marker or image marker or NFC or RFID or Beacon or WIFI AP data containing the merchant information generated from the cloud information server and the amount information to be paid, Or a POS terminal that exposes payment completion data;
A security input unit for inputting a password or a secret pattern or a fingerprint of the user or the user's iris, which is provided for securing the smart card manufactured by the application, when the user executes the smart card manufactured by the application to make payment using the smart card manufactured by the application;
A marker reader unit configured to read a barcode or QR code or a text marker or an image marker or NFC or RFID or Beacon or WIFI AP data containing merchant information and amount information to be paid;
A barcode or a QR code or a text marker generated from the merchant information received from the POS terminal and the amount information to be paid and transmitted to the payment information server unit, or the merchant information received from the POS terminal in the payment information server unit, An image marker, NFC, RFID, Beacon or WIFI AP data to the POS terminal, or receives the data read through the marker reader unit and transmits the data to the virtual money server unit, or receives the payment completion or payment impossibility information from the virtual money server unit And a relay server unit for transmitting the payment information to the smart card manufactured by the POS terminal or the application.
In a method for charging a service station using a smart device according to the present invention,
Storing member information in a virtual money server to use a smart card manufactured by an application;
Charging a virtual money at a virtual money server to use a smart card manufactured by an application;
Inputting a payment amount to a POS terminal when the customer gasifies the self-service station, and selecting the payment method as a smart card manufactured by the application;
When the input of the payment amount and the payment method are completed, the information on the corresponding POS terminal is transmitted to the payment information server unit, and the payment information server unit receives the bar code or QR code, text marker or image marker, NFC or RFID Or transmitting data generated after generating Beacon or WIFI AP data to a corresponding POS terminal;
Executing a corresponding application in order to make payment with a smart card manufactured by an application, inputting a password or a secret pattern to be input for security of a smart card produced by the application, or a fingerprint of the user or the iris of the user in the security input unit;
Receiving a barcode or QR code, a text marker, an image marker, NFC, RFID, Beacon or WIFI AP data exposed in the POS terminal through the marker reader unit after the security input is completed in the security input unit;
Transmitting data received through the marker reader unit to a virtual money server unit;
Controlling data transmitted from the marker reader unit by a virtual money server unit to calculate payment approval or non-payment data and transmitting the data to a smart card manufactured by the corresponding POS terminal or application;
A feature that includes controlling and calculating the payment cancellation at the virtual money server unit when the payment is canceled at the request of the consumer and transmitting the data to the smart card manufactured by the payment POS terminal or application How to pay for a gas station using a smart device.
KR1020150058560A 2015-04-26 2015-04-26 System and method for gas station payment using smart appliances. KR20160127315A (en)

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KR1020150058560A KR20160127315A (en) 2015-04-26 2015-04-26 System and method for gas station payment using smart appliances.

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020150058560A KR20160127315A (en) 2015-04-26 2015-04-26 System and method for gas station payment using smart appliances.

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106709729A (en) * 2016-12-30 2017-05-24 维沃移动通信有限公司 Payment method and mobile terminal
KR20200144967A (en) * 2019-06-20 2020-12-30 한국기술교육대학교 산학협력단 E-commerce Payment Method using Block Chain

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106709729A (en) * 2016-12-30 2017-05-24 维沃移动通信有限公司 Payment method and mobile terminal
KR20200144967A (en) * 2019-06-20 2020-12-30 한국기술교육대학교 산학협력단 E-commerce Payment Method using Block Chain

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