KR20170035251A - User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon - Google Patents

User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon Download PDF

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KR20170035251A
KR20170035251A KR1020150134124A KR20150134124A KR20170035251A KR 20170035251 A KR20170035251 A KR 20170035251A KR 1020150134124 A KR1020150134124 A KR 1020150134124A KR 20150134124 A KR20150134124 A KR 20150134124A KR 20170035251 A KR20170035251 A KR 20170035251A
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information
user
payment
user device
service providing
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KR1020150134124A
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Korean (ko)
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곽세병
강형문
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에스케이플래닛 주식회사
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Priority to KR1020150134124A priority Critical patent/KR20170035251A/en
Publication of KR20170035251A publication Critical patent/KR20170035251A/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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • 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
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Disclosed are a user device, a service provider device, a POS terminal, a payment system comprising the same, a control method thereof, and a recording medium with a computer program recorded. That is, in case when: the POS terminal of the present invention is able to recognize a product, which is selected and will be paid for by a user of the user device which has entered a store, and to transmit product information for payment, etc. to the service; the service provider device provides the relevant product information for payment to the user device, generates a one-time token corresponding to a PIN number transmitted from the user device, and transmits the generated one-time token to the POS terminal; and the POS terminal performs a payment function based on the one-time token by linking with the service provider device, a payment server, the user device, etc., and provides a mobile convenient payment serve offline, the present invention can accommodate the conventional credit card payment infrastructure and allow not to provide substantial credit card information at a local store, where payment is conducted, to improve security.

Description

TECHNICAL FIELD [0001] The present invention relates to a user equipment, a service providing apparatus, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded medium having computer program recorded thereon}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a user apparatus, a service providing apparatus, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. The service providing apparatus recognizes the goods, transmits the goods information or the like to be paid to the service providing apparatus, provides the goods information to be paid by the service providing apparatus to the user apparatus, A user device that transmits the generated one-time token to the POS terminal and performs a payment function by interlocking with the service providing device, the payment server, and the user device based on the corresponding one-time token in the POS terminal, A POS terminal, a billing system including the POS terminal, a control method thereof, and a record in which the computer program is recorded Media.

A beacon or a wireless hub installed in a store transmits a wireless signal such as a BLE beacon signal for publicity or service promotion of the store, and a user apparatus adjacent to the beacon or wireless hub transmits a beacon or a wireless signal transmitted from the wireless hub And displays information included in the received radio signal.

Such a user device simply receives and displays the information provided by the store, and is difficult to perform the additional service function based on the information provided by the store.

Korean Patent Publication No. 10-2015-0002067 [entitled " Payment Service Method, Terminal and Server Using App-Based Mobile Card]

SUMMARY OF THE INVENTION It is an object of the present invention to provide a POS terminal which recognizes a commodity to be selected by a user of a user apparatus entering a store, transmits product information to be paid to the service providing apparatus, And generates a one-time token corresponding to the PIN number transmitted from the user device in response to the generated one-time token, and transmits the generated one-time token to the POS terminal. In the POS terminal, A POS terminal, a payment system including the payment terminal, a control method thereof, and a recording medium on which a computer program is recorded.

It is another object of the present invention to provide an electronic wallet service using an electronic wallet service using an offline credit card payment system, A POS terminal, a payment system including the POS terminal, a control method thereof, and a recording medium on which a computer program is recorded.

It is still another object of the present invention to provide a service providing apparatus that generates a one-time token for payment and provides the same to a POS terminal via a user device or directly to a merchant POS terminal together with a simple settlement identifier, The payment server adds the one-time token and the simple settlement identifier for the payment to the payment server, and the payment server recognizes the simple settlement through the corresponding simple settlement identifier, and provides the one-time token to the service providing apparatus, A POS terminal, a payment system including the POS terminal, a control method thereof, and a recording medium on which a computer program is recorded.

The billing system according to the embodiment of the present invention scans at least one item to be paid and displays payment method information transmitted from the user apparatus when the payment method is selected in a predetermined manner through a specific application installed in advance in the user apparatus, A POS terminal for receiving identification information and transmitting merchandise information of at least one item to be paid out, identification information of the received user apparatus, and identification information of the POS terminal; Receiving the PIN number corresponding to the type of payment card, receiving and displaying the product information for at least one item to be transmitted from the POS terminal via the service providing device, A user device for transmitting a card type, a PIN number and identification information of the user device; A PIN number and identification information of the user device transmitted from the user device in response to the merchandise information of at least one item to be paid, generating a token corresponding to the received PIN number, And a service providing apparatus for transmitting the generated simple token to the POS terminal and a simple settlement identifier for indicating that the simple settlement method is a preset method.

As an example related to the present invention, the token is a temporary token, randomly generated in correspondence with the PIN number, and may be a preset number of times of use or a usage period.

As an example related to the present invention, a POS terminal receives a token and a simple settlement identifier transmitted from a service providing apparatus in response to one or more goods information to be transmitted, and stores the received token, a simple settlement identifier, , Identification information of the user apparatus, and identification information of the POS terminal.

As an example related to the present invention, the present invention can be applied to a method of receiving a token, a simple settlement identifier, at least one item of goods to be settled, identification information of a user apparatus, and identification information of a POS terminal transmitted from a POS terminal, After confirming that it is a simple settlement, in order to carry out the authentication procedure related to the user apparatus, identification information of the token and the user apparatus is transmitted to the service providing apparatus, and card information, user information and the like transmitted from the service providing apparatus when the transmitted token is valid And a payment server for performing a payment function for at least one item to be paid based on the benefit information.

As one example related to the present invention, the card information includes at least one of a card number, an expiration date, a card verification code (CVC) number, and a user name, and the user information includes at least one of a user name, a date of birth, , The benefit information may include at least one of coupon information, membership benefit information, and discount offer information.

As an example related to the present invention, a user apparatus transmits identification information of a beacon transmitted from a beacon in a store and identification information of a user apparatus to a service providing apparatus, and transmits one or more pieces of advertisement information, It is possible to output a recommended card list including one or more recommendation cards that can be applied to benefit information among a plurality of cards issued to the user device, confirm the type of payment card according to the user selection, and receive the PIN number according to user input .

A method of controlling a billing system according to an exemplary embodiment of the present invention includes receiving a payment card type and a PIN number according to a user selection through a user device after a user of the user device enters a store; Receiving at least one item of goods to be paid through the POS terminal, and then receiving payment method information provided from the user device and identification information of the user device; Transmitting at least one item of merchandise to be paid out to the user apparatus from at least one merchandise information to be paid, identification information of the user apparatus, and identification information of the POS terminal transmitted from the POS terminal through the service providing apparatus; Receiving and displaying at least one merchandise information to be paid through a user device, transmitting the received payment card type, PIN number and identification information of the user equipment; Transmitting a simple payment identifier corresponding to a token and a token corresponding to a PIN number transmitted from the user apparatus to the POS terminal through the service providing apparatus; And a step of temporarily storing the token, the simple settlement identifier, the type of the payment card transmitted from the user apparatus, the PIN number, and the identification information of the user apparatus in association with each other through the service providing apparatus.

As an example related to the present invention, there is provided a method for receiving a beacon, comprising: receiving identification information of a beacon transmitted from a beacon through a user apparatus before receiving a payment card type and a PIN number; When the user corresponding to the user apparatus is a member registered in advance on the basis of the identification information of the beacon transmitted from the user apparatus and the identification information of the user apparatus transmitted through the service providing apparatus, And transmitting the recommendation card list to the user device, the recommendation card list including at least one recommendation card capable of applying one or more benefit information and benefit information.

As one example related to the present invention, among the goods information to be paid, the token, the simple settlement identifier, the identification information of the user apparatus, and the identification information of the POS terminal transmitted from the POS terminal through the payment server, Transmitting the identification information of the token and the user equipment to the service providing apparatus in order to perform an authentication procedure related to the user apparatus after confirming that the method is a simple settlement; Confirming, through the service providing apparatus, whether the token is valid; Transmitting the card information, user information, and benefit information corresponding to the token to the payment server through the service providing apparatus when the token is validated; Performing a payment function for a payment amount corresponding to at least one item of goods information to be paid based on card information, user information, and benefit information transmitted from the service providing apparatus through the payment server; Transmitting a payment function execution result to the POS terminal through the payment server; And displaying the result of the payment function execution through the POS terminal.

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

The present invention recognizes a commodity to be settled by a user of a user device entering a store in a POS terminal, transmits the commodity information to be paid to the service providing apparatus, and provides the commodity information to be paid to the user apparatus And generates a one-time token corresponding to the PIN number transmitted from the user device in response thereto. The generated one-time token is transmitted to the POS terminal, and the POS terminal transmits the one- And a user device, the billing function can be performed in cooperation with the user device. By providing the mobile simple settlement service offline, the local store accepting the existing credit card payment infrastructure can be provided with secure credit card information In order to improve the security and improve the security, It is not to increase while maintaining the ease it is possible to improve security.

In addition, when the offline credit card payment is performed through the electronic wallet service using the mobile user device, the present invention allows the user device to receive the credit card payment information directly to the merchant POS terminal and the payment server, So that the security can be improved.

In addition, the present invention provides a service providing apparatus that generates a one-time token for payment and provides the same to a POS terminal of a merchant directly or through a user device together with a simple settlement identifier, The one-time token and the simple settlement identifier for the corresponding settlement are added to the settlement server, and the settlement server obtains the simple settlement through the corresponding simple settlement identifier and provides the one-time token to the service providing apparatus, The payment function is performed through the received card information and the like, so that the payment function can be performed (or the payment approval function can be performed) without providing the card information directly to the POS terminal and the user's convenience can be improved.

1 is a block diagram showing a configuration of a payment system according to an embodiment of the present invention.
2 is a cross- FIG. 8 is a block diagram illustrating a configuration of a user apparatus according to an embodiment of the present invention.
3 to 5 FIG. 4 is a flowchart illustrating a control method of a payment system according to an embodiment of the present invention. FIG.
6 is a diagram illustrating a screen of a user apparatus according to an exemplary embodiment of the present invention.
7 is a diagram illustrating a screen of a POS terminal according to an embodiment of the present invention.

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

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

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

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

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

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

1, the billing system 10 includes a user apparatus 100, a beacon 200, a service providing apparatus 300, a POS terminal 400, and a payment server 500. Not all of the components of the billing system 10 shown in Fig. 1 are essential components, and the billing system 10 may be implemented by more components than the components shown in Fig. 1, The payment system 10 may also be implemented.

The user device 100 may be a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, a telematics terminal, A portable terminal, a navigation terminal, a personal computer, a notebook computer, a slate PC, a tablet PC, an ultrabook, a wearable device (for example, a watch type A smart TV, a digital broadcasting terminal, a television (TV), a digital television (TV), a digital television (TV) A home theater system, an AVN (Audio Video Navigation) terminal, an A / V (Audio / Video) system, a flexible terminal, and the like.

2, the user device 100 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, and a user device control unit 150 ). Not all of the components of the user device 100 shown in Fig. 2 are required, and the user device 100 may be implemented by more components than the components shown in Fig. 2, The user device 100 may be implemented.

The user device communication unit 110 communicates with any one of the internal components or external at least one terminal through a wired / wireless communication network. At this time, an external arbitrary terminal may include a beacon 200, a service providing device 300, a POS terminal 400, a payment server 500, and the like. Here, the wireless Internet technology includes a wireless LAN (WLAN), a digital living network alliance (DLNA), a wireless broadband (Wibro), a world interoperability for a microwave (WiMAX), a high speed downlink packet access ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS) And the user device communication unit 110 transmits and receives data according to at least one wireless Internet technology in a range including Internet technologies not listed above. In addition, the near field communication technology includes Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, Near Field Communication (NFC) , Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, and Wi-Fi Direct. The wired communication technology may include a power line communication (PLC), a USB communication, an Ethernet, a serial communication, an optical / coaxial cable, and the like.

In addition, the user device communication unit 110 can transmit information to and from an arbitrary terminal through a universal serial bus (USB).

In addition, the user equipment communication unit 110 may be configured to communicate with a plurality of mobile communication systems, such as a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE (High Speed Downlink Packet Access) The beacon 200, the service providing device 300, the POS terminal 400, the payment server 500, and the like on a mobile communication network constructed according to a service provider's name,

The user device communication unit 110 may also be configured to transmit the identification information of the beacon 200 transmitted from the beacon 200 or the unique identification information of the store having the beacon 200, ).

The user device storage unit 120 stores various user interfaces (UI), a graphical user interface (GUI), and the like.

Also, the user device storage unit 120 stores data and programs necessary for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (application programs or applications) driven by the user device 100, data for operation of the user device 100, and commands. At least some of these application programs may be downloaded from the external service providing device via wireless communication. Also, at least some of these applications may reside on the user device 100 since the time of shipment for the basic functions (e.g., phone call incoming, outgoing, message receiving, originating functions) of the user device 100. The application program may be stored in the user device storage unit 120 and may be installed in the user device 100 and may be operated by the user device control unit 150 to perform the operation have.

The user device storage unit 120 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or A random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM) , And a programmable read-only memory (PROM). In addition, the user device 100 may operate web storage or operate in association with web storage to perform the storage function of the user device storage unit 120 on the Internet.

The user device storage unit 120 stores identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 Unique identification information).

The user device display unit 130 may display various contents such as various menu screens by using the user interface and / or graphical user interface stored in the user device storage unit 120 under the control of the user device controller 150. [ Here, the content displayed on the user device display unit 130 includes various text or image data (including various information data) and a menu screen including data such as an icon, a list menu, and a combo box. Also, the user device display unit 130 may be a touch screen.

The user device display unit 130 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED) And may include at least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED).

In addition, the user device display unit 130 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

In the stereoscopic display unit, a three-dimensional display system such as a stereoscopic system (glasses system), an autostereoscopic system (no-glasses system), a projection system (holographic system) can be applied.

The user device display unit 130 displays the identification information of the beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 Identification information).

The user device audio output unit 140 outputs audio information included in the signal processed by the user device control unit 150. Here, the user device audio output unit 140 may include a receiver, a speaker, a buzzer, and the like.

Also, the user device audio output unit 140 outputs the guidance audio generated by the user device control unit 150.

The user device audio output unit 140 outputs the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 (I.e., unique identification information of the user).

The user device control unit 150 executes the overall control function of the user device 100. [

The user device controller 150 executes the overall control functions of the user device 100 using the programs and data stored in the user device storage unit 120. [ The user device controller 150 may include a RAM, a ROM, a CPU, a GPU, and a bus, and the RAM, the ROM, the CPU, and the GPU may be connected to each other via a bus. The CPU accesses the user device storage unit 120 and performs booting using the O / S stored in the user device storage unit 120. The CPU can access various programs stored in the user device storage unit 120, And the like.

In addition, the user device control unit 150 performs the membership registration procedure for the user of the user device 100 by interlocking with the service providing device 300.

The user device control unit 150 must complete the authentication function through the authentication means (for example, a mobile phone, a credit card, an Ipfin, an e-mail, etc.) The subscription process can be completed normally.

When the user having the user device 100 enters the store, the user device control unit 150 determines whether the beacon 200 has been received from the beacon 200 The unique identification information of the store).

The user device controller 150 also stores unique identification information of the received beacon 200 (or the unique identification information of the store where the beacon 200 is provided), identification information of the user device 100, 110 to the service providing apparatus 300. Here, the identification information of the user device 100 includes a mobile directory number (MDN), a mobile IP, a mobile MAC, a SIM (subscriber identity module) card unique information, and a serial number.

If the user of the user device control unit 150 is not a registered member of the service providing apparatus 300 in advance, the user device control unit 150 may transmit the guide information related to membership registration provided from the service providing apparatus 300 And performs a membership registration procedure for the corresponding user device 100 (or the user of the user device 100).

When the user of the user device controller 150 is a member registered in advance in the service providing apparatus 300, the user device controller 150 transmits unique identification information of the transmitted beacon 200 (or the corresponding beacon 200) One or more pieces of advertisement information, one or more benefit information, a recommended card list, and the like transmitted from the service providing apparatus 300 in response to the identification information of the user apparatus 100, ≪ / RTI > Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like. In addition, the recommended card list includes one or more cards that are applicable to the benefit information among a plurality of cards (or one or more cards) previously issued to the user device 100.

Also, the user device controller 150 outputs the received one or more pieces of advertisement information, benefit information, recommendation card list, etc. through the user device display unit 130 and / or the user device audio output unit 140.

Also, the user device control unit 150 confirms one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) in a specific application installed in advance in the user device 100 do.

Also, the user device controller 150 may check the payment card selected from the recommended card list transmitted from the service providing device 300. [

In addition, the user device control unit 150 may be configured to receive at least one of the plurality of payment cards registered in advance in the user device 100 based on the one or more benefit information provided from the service providing device 300, And displays the generated recommendation card list on the user device display unit 130. [0156] FIG. Also, one payment card selected from the recommended card list displayed on the user device display unit 130 can be confirmed.

Also, the user device controller 150 receives a personal identification number (PIN) corresponding to a user input through a specific application installed in the user device 100 in advance. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

Also, the user device controller 150 transmits the confirmed payment card type (or unique identification information of the payment card), the PIN number, the identification information of the user device 100, etc. to the service providing device 300 .

Also, the user device controller 150 receives the token transmitted from the service providing device 300 through the user device communication unit 110 in response to the previously transmitted PIN number.

In addition, the user device controller 150 generates a barcode (or QR code (Quick Response code)) including the received token (or token information) and the identification information of the user device 100.

In addition, the user device controller 150 stores the generated barcode (or QR code) in the user device storage unit 120.

When the payment method is selected in a predetermined manner through a specific application installed in the user device 100 in advance, the user device controller 150 displays barcode information (or QR code) corresponding to the barcode (or QR code) Information to the POS terminal 400 via the user device communication unit 110. [ Here, the barcode information (or QR code information corresponding to the QR code) corresponding to the barcode includes a token (or token information), identification information of the user device 100, and the like. At this time, the settlement methods include cash settlement, card settlement, electronic settlement, and the like, and the predetermined method may be electronic settlement.

As described above, when the user apparatus 100 and the POS terminal 400 are connected through a wire / wireless communication method, the barcode information (or QR code information) can be transmitted from the user apparatus 100 to the POS terminal 400.

When the user device 100 and the POS terminal 400 are not connected via a wire / wireless communication method, a user of the user device 100 may receive a preset connection via a specific application installed in the user device 100 (Or QR code) displayed on the user device display unit 130 may be recognized (or scanned / tagged) by the POS terminal 400. In this case,

In addition, after the settlement function is performed for at least one product to be settled by the user of the corresponding user device 100 based on the previously transmitted barcode information (or QR code information), the user device controller 150 transmits the previously transmitted Through the user device communication unit 110, a payment function execution result transmitted from the POS terminal 400 (or the service providing device 300) in response to bar code information (or QR code information).

Also, the user device controller 150 outputs the received payment function execution result through the user device display unit 130 and / or the user device voice output unit 140.

In addition, the user device 100 may further include an interface unit (not shown) that serves as an interface with all the external devices connected to the user device 100. For example, the interface unit may include a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device having an identification module, an audio I / Input / output (I / O) port, video I / O (input / output) port and earphone port. Here, the identification module is a chip that stores various information for authenticating the usage right of the user device 100, and includes a user identity module (UIM), a subscriber identity module (SIM) A Universal Subscriber Identity Module (USIM), and the like. In addition, a device provided with the identification module can be manufactured in a smart card format. Thus, the identification module can be connected to the user device 100 via the port. The interface unit receives data from an external device or receives power and transmits the data to each component in the user device 100 or data in the user device 100 is transmitted to an external device.

The interface unit may be a path through which power from the cradle is supplied to the user device 100 when the user device 100 is connected to an external cradle or various command signals input from the cradle by the user, (Not shown). The various command signals input from the cradle or the corresponding power source may be operated as a signal for recognizing that the user device 100 is correctly mounted on the cradle.

The user device 100 also includes an input unit (not shown) for receiving a command or a control signal generated by an operation such as a button operation by the user or a signal according to an arbitrary function selection or a touch / Not shown).

The input unit may include at least one of a command, a selection, data, and information of a user. The input unit may include a plurality of input keys and function keys for inputting numeric or character information and setting various functions.

The input unit may include a key pad, a dome switch, a touch pad (static / static), a touch screen, a jog wheel, a jog switch, a jog shuttle, a mouse, , A stylus pen, a touch pen, and the like can be used. Particularly, when the user device display unit 130 is formed as a touch screen, some or all of the functions of the input device can be performed through the user device display unit 130. [

In addition, each component (or module) of user device 100 may be software stored on the memory (or user device storage 120) of user device 100. The memory may be an internal memory of the user device 100 and may be an external memory or other type of storage device. Further, the memory may be a non-volatile memory. The software stored on the memory may include a set of instructions that, when executed, cause the user device 100 to perform certain operations.

The beacon 200 communicates with the user device 100, the POS terminal 400, and the like.

The beacon 200 also receives store information related to a store provided with the corresponding beacon 200 transmitted from the POS terminal 400 and unique identification information of the store in which the beacon 200 is provided.

The beacon 200 broadcasts (or transmits) store information, identification information of the beacon 200 (or unique identification information of a store in which the beacon 200 is provided), and the like.

The service providing apparatus 300 communicates with the user apparatus 100, the POS terminal 400, the payment server 500, and the like.

The service providing apparatus 300 includes a user apparatus communication unit 110 included in the user apparatus 100, a user apparatus storage unit 120, a user apparatus display unit 130, a user apparatus audio output unit 140, (Not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown), which correspond to the control unit 150, respectively.

In addition, the service providing apparatus 300 performs a membership subscription procedure for the user of the corresponding user device 100 by interlocking with the user apparatus 100, respectively.

In addition, the service providing apparatus 300 receives unique identification information of the beacon 200 transmitted from the user apparatus 100, identification information of the user apparatus 100, and the like.

The service providing apparatus 300 may also be configured to allow the user corresponding to the user apparatus 100 to register with the service providing apparatus 300 in advance based on the received identification information of the corresponding user apparatus 100 (Or confirms) whether or not it is.

If the result of the determination (or the result of the check) is that the user corresponding to the user device 100 is not a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the guide information related to membership registration, (100).

The service providing apparatus 300 also performs a membership registration procedure for the user apparatus 100 (or the user of the user apparatus 100) by interlocking with the user apparatus 100. [

When the user corresponding to the user device 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the beacon 200 received previously, Of the plurality of advertisement information and the plurality of benefit information stored in advance based on the unique identification information of the user device 100 and the identification information of the user device 100, Information, and one or more benefits information.

In addition, the service providing apparatus 300 may include a recommended recommendation card including at least one recommendation card capable of applying (or reflecting) the benefit information among a plurality of cards issued to the user apparatus 100 based on the one or more benefit information that has been confirmed. Create a card list. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing apparatus 300 may include at least one advertisement information, at least one benefit information, at least one recommendation card, and at least one recommendation card list including at least one advertisement information that can be provided to the corresponding user apparatus 100, And the like to the user device 100.

That is, when the user corresponding to the user apparatus 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 selects the corresponding beacon 200) corresponding to the unique identification information. In addition, the service providing device 300 checks one or more pieces of advertisement information, benefit information, and the like that can be provided to the corresponding user device 100 in the corresponding store based on the confirmed store information and the identification information of the received user device 100 . Also, the service providing apparatus 300 generates a recommendation card list including one or more cards to which the benefit information can be applied, from among a plurality of cards (or one or more cards) previously issued to the user apparatus 100. In addition, the service providing device 300 transmits to the user device 100 the identified one or more pieces of advertisement information, one or more benefit information, a generated recommendation card list, and the like.

Also, the service providing apparatus 300 receives the type of payment card transmitted from the user apparatus 100, the PIN number, the identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 generates a token (or disposable token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token and is randomly generated in a predetermined size (or number of bytes) by a combination of a predetermined number of letters, numbers, symbols, etc. corresponding to the PIN number (for example, Combination 123456, etc.), and the number of times of use or the period of use may be preset. At this time, the service providing apparatus 300 may generate a token corresponding to the received PIN number and payment card type.

Also, the service providing apparatus 300 manages (or stores) the generated token in association with the type of payment card, the PIN number, the identification information of the user apparatus 100, and the like.

Also, the service providing apparatus 300 transmits the generated token (or the token corresponding to the PIN number, the PIN number, and the token corresponding to the payment card type) to the user device 100.

The service providing apparatus 300 may further include a payment server 500 for performing an authentication function for the user before performing a payment function for the product in association with at least one item to be paid by the user of the user apparatus 100, (Or QR code information) to be transmitted from the wireless base station.

The service providing apparatus 300 also checks whether the token in the corresponding bar code information (or QR code information) is valid based on the token in the received bar code information (or QR code information) and the identification information of the user apparatus 100 do.

That is, the service providing apparatus 300 stores the token in the received barcode information (or QR code information) and the identification information of the user device 100 in the identification information of the user apparatus for each of a plurality of tokens stored in advance (or issued in advance) Whether the corresponding token and the identification information of the user equipment are included (or are present).

In this way, the service providing apparatus 300 can verify the validity of the issued token.

As a result, the token in the received barcode information (or QR code information), the token corresponding to the identification information of the user device 100, and the token in the user device 100, If the identification information of the device is not included, that is, if the token in the received barcode information (or QR code information) is invalid, the service providing device 300 transmits the authentication failure information to the payment server 500.

As a result of the confirmation, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 are stored in the identification information of the plurality of tokens in the user device 100 stored in advance in the service providing device 300 And the token in the received barcode information (or QR code information) is valid, the service providing apparatus 300 transmits the barcode information (or QR code information) included in the received barcode information User information, benefit information, and the like corresponding to the identification information of the payment server 500 (100). At this time, the service providing apparatus 300 transmits a payment card type (or a PIN managed in association with the corresponding payment card type / token, which is confirmed based on the token generated in correspondence with the PIN number and the payment card type, User information, benefit information, and the like corresponding to the payment card type, the type of the payment card that is confirmed based on the identification number, the type of the payment card, and the identification information of the user device). Here, the card information includes a card number, an expiration date, a CVC (card verification code) number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, when the token in the received bar code information (or QR code information) is valid as a result of checking, the service providing apparatus 300 corresponds to the identification information of the user apparatus 100 in the received bar code information (or QR code information) User information, benefit information, and the like stored in advance in the service providing apparatus 300 with respect to the user (or the user apparatus 100) who performs the payment, and confirms the card information, user information, To the server (500). At this time, the service providing apparatus 300 confirms the card information, the user information, the benefit information, and the like corresponding to the type of the payment card transmitted from the user apparatus 100, and transmits the confirmed card information, user information, Or may be transmitted to the server 500.

Also, the service providing apparatus 300 receives a payment function execution result (or payment information) transmitted from the payment server 500. [

In addition, the service providing apparatus 300 stores the received payment function execution result in association with the identification information of the corresponding user apparatus 100.

Also, the service providing apparatus 300 may transmit the received payment function execution result to the user apparatus 100 corresponding to the identification information of the corresponding user apparatus 100.

Also, the service providing apparatus 300 may be implemented in the form of a web server, a database server, a proxy server, or the like. In addition, the service providing apparatus 300 may be provided with at least one of a network load balancing mechanism, and various software for allowing the service providing apparatus 300 to operate on the Internet or another network, Can be implemented. The network may also be an http network, a private line, an intranet or any other network. Furthermore, the connection of the service providing device 300 and the user device 100 may be connected to the secure network so that the data is not attacked by any hacker or other third party. In addition, the service providing apparatus 300 may include a plurality of database servers, and the database server may be implemented in such a manner that the database servers are separately connected to the service providing apparatus 300 through any type of network connection including a distributed database server architecture .

Further, a processor mounted on the user apparatus 100 or the service providing apparatus 300 according to the present invention can process program instructions for executing the method according to the present invention. In one implementation, the processor may be a single-threaded processor, and in other embodiments, the processor may be a multi-threaded processor. Further, the processor is capable of processing instructions stored on a memory or storage device.

A POS (Point of Sales) terminal 400 communicates with a user apparatus 100, a beacon 200, a service providing apparatus 300, a payment server 500, and the like.

The POS terminal 400 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, (Not shown), a display unit (not shown), a sound output unit (not shown), and a control unit (not shown), respectively.

The POS terminal 400 also transmits to the beacon 200 store information related to the store where the beacon 200 (or the corresponding POS terminal) is provided, unique identification information of the store where the beacon 200 is provided .

In addition, the POS terminal 400 scans (or recognizes the barcode attached to the product to be paid for) a product to be paid for at least one product to be paid (or a payment product) selected by the user of the user device 100 .

In addition, the POS terminal 400 displays product information for one or more items to be scanned (or recognized). Here, the product information includes a product name, a product unique code, a unit price, a quantity, an amount, a total total amount, and the like.

When the user device 100 is not connected to the POS terminal 400 through the wired / wireless communication method, the user of the user device 100 may receive the preset application through the specific application installed in the user device 100 The POS terminal 400 recognizes (or scans / tags) the bar code (or QR code) displayed on the corresponding user device 100. [

In addition, the POS terminal 400 receives bar code information (or QR code information) transmitted from the user device 100. [

When the POS terminal 400 recognizes the bar code (or QR code) displayed on the user device 100, the POS terminal 400 confirms the recognized bar code information (or QR code information)

In addition, the POS terminal 400 displays or stores the received (or verified) bar code information (or QR code information).

The POS terminal 400 also transmits to the payment server 500 one or more pieces of merchandise information to be paid (or merchandise information to be recognized), barcode information (or QR code information), identification information of the POS terminal 400, do.

In addition, the POS terminal 400 receives the authentication failure information transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500.

In addition, the POS terminal 400 displays the received authentication failure information.

In addition, the POS terminal 400 may transmit the received authentication failure information to the user device 100. [

Also, immediately before the payment function for one or more products selected by the user of the user device 100 is performed based on the barcode information (or QR code information) transmitted to the payment server 500, And receives user information transmitted from the server 500. Here, the user information includes a user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the user device 100.

Also, the POS terminal 400 displays the received user information.

In addition, the user of the POS terminal 400 confirms the image of the user information displayed on the corresponding POS terminal 400 and the user of the user device 100 desiring to pay the corresponding goods, The POS terminal 400 receives the information indicating the user agreement according to the user input of the POS terminal 400. In this case,

In addition, the POS terminal 400 transmits information indicating the received user agreement, identification information of the POS terminal 400, and the like to the payment server 500.

When the payment function for one or more products selected by the user of the user device 100 is normally performed based on the barcode information (or QR code information) transmitted to the payment server 500, (Or payment information) transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500. Here, the payment function execution result (or the payment information Includes a product name, a product specific code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a payment date and time information, and a payment card type.

Also, the POS terminal 400 transmits the received payment function execution result to the user device 100. [

In addition, the POS terminal 400 may output the received payment function execution result through a print such as a receipt.

The payment server 500 communicates with the user device 100, the service providing device 300, the POS terminal 400, and the like.

The payment server 500 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, (Not shown), a display unit (not shown), a sound output unit (not shown), and a control unit (not shown), respectively.

The settlement server 500 may further include one or more goods information to be paid (or goods information to be recognized) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400 Lt; / RTI >

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing apparatus 300 in order to perform the authentication procedure related to the user apparatus 100. [

If the token in the bar code information (or QR code information) transmitted to the service providing apparatus 300 is invalid, the payment server 500 transmits the bar code information (or QR code information) transmitted to the service providing apparatus 300, The authentication failure information transmitted from the service providing apparatus 300 is received.

In addition, the payment server 500 transmits the received authentication failure information to the POS terminal 400.

When the token in the bar code information (or QR code information) transmitted to the service providing apparatus 300 is valid, the payment server 500 responds to the bar code information (or QR code information) transmitted to the service providing apparatus 300 User information, benefit information (or card information, user information, benefit information corresponding to the identification information of the user device 100 in the barcode information (or QR code information)) transmitted from the service providing apparatus 300, And the like.

In addition, the payment server 500 performs a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 transmits the benefit information corresponding to the benefit information (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 to the price information on the one or more goods to be settled The user can perform a payment function for the payment amount to which the amount is applied.

At this time, just before the payment function is performed, the payment server 500 transmits the user information transmitted from the service providing apparatus 300 to the POS terminal 400.

If the user of the user device 100 intending to pay the corresponding item does not match the image in the user information, the payment server 500 transmits the payment cancellation information for the one or more goods information to the POS terminal 400 Or may perform a settlement function after performing an additional authentication procedure with respect to the corresponding user device 100.

When the user of the user apparatus 100 who intends to settle the product matches the image in the user information, the payment server 500 receives the user information from the POS terminal 400 in response to the user information transmitted to the POS terminal 400 Information indicating the correspondence of the user to be transmitted, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 may perform a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, benefit information, and information indicating user agreement.

In addition, the payment server 500 transmits the payment function execution result (or payment information) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the payment function execution result (or payment information) includes a product name, a product unique code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a settlement date and time information,

Further, the billing system 10 according to another embodiment of the present invention may be configured as follows.

That is, the POS terminal 400 recognizes the commodity to be selected by the user of the user apparatus 100 entering the store, and transmits the commodity information to be paid to the service providing apparatus 300. After that, the service providing apparatus 300 provides the product information or the like to be paid to the user apparatus 100, receives the PIN number transmitted from the user apparatus 100 in response thereto, and responds to the received PIN number And transmits the generated disposable token to the POS terminal 400. The POS terminal 400 generates the disposable token. Then, the POS terminal 400 transmits to the payment server 500 a disposable token transmitted from the service providing apparatus 300, at least one item of goods to be settled, a simple settlement identifier, identification information of the POS terminal 400, and the like . Then, the payment server 500 confirms the simple settlement identifier, confirms that the settlement method is electronic settlement, and transmits the disposable token to the service providing apparatus 300. Thereafter, when the token issued by the service providing apparatus 300 matches the one-time token transmitted from the payment server 500, the service providing apparatus 300 transmits the card information corresponding to the PIN number associated with the corresponding disposable token, User information, benefit information, and the like to the payment server 500. Thereafter, the payment server 500 responds to the one-time token transmitted in advance, and then, based on the card information, user information, benefit information, etc. transmitted from the service providing apparatus 300, And provides a payment function execution result to the user device 100 through the POS terminal 400. [

After the user of the user device 100 enters the store, the user device controller 150 transmits the advertisement information, benefit information, recommendation card list including one or more recommended cards, and the like transmitted from the service providing device 300, And receives it via the communication unit 110.

Also, the user device controller 150 outputs the received advertisement information, benefit information, recommended card list including one or more recommended cards, and the like through the user device display unit 130 and / or the user device audio output unit 140 .

In addition, the user device controller 150 receives a payment card type (or unique identification information of the payment card), a PIN number, and the like according to user input (or user selection) through a specific application installed in the user device 100 .

That is, the user device control unit 150 confirms the type of payment card selected (or selected) according to user input (or user selection) among a plurality of cards registered in advance in the user device 100. At this time, the user device controller 150 may check the type of the payment card (or the unique identification information of the payment card) for the payment card selected from the recommended card list transmitted from the service providing device 300.

In addition, the user device controller 150 receives a PIN corresponding to a user input (or a user selection) through a specific application installed in the user device 100 in advance. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

In addition, the user device controller 150 temporarily stores the received payment card type, the PIN number corresponding to the payment card (or the payment card type) in the user device storage unit 120, and the like.

When the payment method is selected in a predetermined manner through a specific application installed in the user device 100 in advance, the user device controller 150 transmits payment method information to the POS terminal 400, identification information of the user device 100 And the like via the user device communication unit 110. At this time, the settlement methods include cash settlement, card settlement, electronic settlement, and the like, and the predetermined method may be electronic settlement.

Also, the user device controller 150 receives one or more items of goods to be settled, which are transmitted from the service providing device 300, through the user device communication unit 110.

Also, the user device controller 150 outputs one or more items of goods to be paid through the user device display unit 130 and / or the user device audio output unit 140.

In addition, when the payment method is selected in a preset manner through a predetermined application installed in advance, the user device controller 150 receives the previously received payment card type (or unique identification information of the payment card), the PIN number, Identification information and the like to the service providing apparatus 300 through the user apparatus communication unit 110. [

After the settlement function is performed for at least one item to be settled by the user of the user device 100, the user device controller 150 transmits the settlement function to the POS terminal 400 (or the service providing device 300) And receives the result of the payment function execution through the user device communication unit 110.

Also, the user device controller 150 outputs the received payment function execution result through the user device display unit 130 and / or the user device voice output unit 140.

The service providing apparatus 300 communicates with the user apparatus 100, the POS terminal 400, the payment server 500, and the like.

After the user of the user apparatus 100 enters the store, the service providing apparatus 300 transmits unique identification information of the beacon 200 transmitted from the user apparatus 100, identification information of the user apparatus 100, .

In addition, the service providing apparatus 300 may be provided with beacons 200 among the plurality of advertisement information and the plurality of benefit information stored in advance based on the unique identification information of the beacon 200 and the identification information of the user apparatus 100 One or more pieces of advertisement information, one or more pieces of benefit information, etc., which can be provided to the corresponding user device 100 in the store.

In addition, the service providing apparatus 300 may include a recommended recommendation card including at least one recommendation card capable of applying (or reflecting) the benefit information among a plurality of cards issued to the user apparatus 100 based on the one or more benefit information that has been confirmed. Create a card list. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing apparatus 300 may include at least one advertisement information, at least one benefit information, at least one recommendation card, and at least one recommendation card list including at least one advertisement information that can be provided to the corresponding user apparatus 100, And the like to the user device 100.

That is, when the user corresponding to the user apparatus 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 selects the corresponding beacon 200) corresponding to the unique identification information. In addition, the service providing device 300 checks one or more pieces of advertisement information, benefit information, and the like that can be provided to the corresponding user device 100 in the corresponding store based on the confirmed store information and the identification information of the received user device 100 . Also, the service providing apparatus 300 generates a recommendation card list including one or more cards to which the benefit information can be applied, from among a plurality of cards (or one or more cards) previously issued to the user apparatus 100. In addition, the service providing device 300 transmits to the user device 100 the identified one or more pieces of advertisement information, one or more benefit information, a generated recommendation card list, and the like.

The service providing apparatus 300 may further include at least one item information to be settled (or goods information to be recognized) transmitted from the POS terminal 400, identification information of the user apparatus 100, identification information of the POS terminal 400 And the like.

In addition, the service providing apparatus 300 transmits one or more goods information to be paid to the corresponding user apparatus 100 corresponding to the identification information of the received user apparatus 100.

The service providing apparatus 300 may further include a payment card type (or unique identification information of the payment card) transmitted from the user apparatus 100 in response to the at least one item of goods information to be paid, a PIN number, And the like.

In addition, the service providing apparatus 300 generates a token (or disposable token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, randomly generated corresponding to the PIN number, and may be a state in which the number of times of use or the use period is set in advance. At this time, the service providing apparatus 300 may generate a token corresponding to the received PIN number and payment card type.

Also, the service providing apparatus 300 generates a simple settlement identifier indicating that settlement through simple settlement is proceeded through the generated token. Here, the simple settlement identifier (or the simple settlement index) may be information for indicating that the settlement method is a simple settlement method through electronic settlement in advance.

Also, the service providing apparatus 300 manages (or stores) the generated token in association with the type of payment card, the PIN number, the identification information of the user apparatus 100, the simple settlement identifier, and the like.

Also, the service providing apparatus 300 transmits the generated token (or the token corresponding to the PIN number, the PIN number, and the token corresponding to the payment card type), the simple settlement identifier, and the like to the POS terminal 400.

Also, the service providing apparatus 300 receives the token transmitted from the payment server 500, identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 confirms whether or not the received token is valid.

That is, the service providing apparatus 300 includes a token corresponding to the received token and the identification information of the user apparatus 100, and identification information of the user apparatus (not shown) (Or whether it is present).

In this way, the service providing apparatus 300 can verify the validity of the issued token.

If it is determined that the received token and the token corresponding to the identification information of the user device 100 and the identification information of the user device are not included in the identification information of the user device for each of the plurality of tokens stored in advance in the service providing device 300 , That is, if the received token is invalid, the service providing apparatus 300 transmits the authentication failure information to the payment server 500.

As a result of the confirmation, it is also possible that within the identification information of the plurality of tokens stored in the service providing apparatus 300, the token corresponding to the identification information of the user apparatus 100 and the identification information of the user apparatus The service providing apparatus 300 transmits the card information, the user information, the benefit information, and the like corresponding to the corresponding token (or the identification information of the received user apparatus 100) to the payment server 500, Lt; / RTI > At this time, the service providing apparatus 300 transmits a payment card type (or a PIN managed in association with the corresponding payment card type / token, which is confirmed based on the token generated in correspondence with the PIN number and the payment card type, User information, benefit information, and the like corresponding to the payment card type, the type of the payment card that is confirmed based on the identification number, the type of the payment card, and the identification information of the user device). Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, when the received token is valid, the service providing apparatus 300 transmits the token (or the identification information of the received user apparatus 100) to the user (or the user apparatus 100) corresponding to the received token User information, benefit information, and the like stored in advance in the service providing apparatus 300, and transmits the confirmed card information, user information, benefit information, and the like to the payment server 500. [ At this time, the service providing apparatus 300 confirms the card information, the user information, the benefit information, and the like corresponding to the type of the payment card transmitted from the user apparatus 100, and transmits the confirmed card information, user information, Or may be transmitted to the server 500.

The POS terminal 400 communicates with the user apparatus 100, the service providing apparatus 300, the payment server 500, and the like.

In addition, the POS terminal 400 scans (or recognizes the barcode attached to the product to be paid for) a product to be paid for at least one product to be paid (or a payment product) selected by the user of the user device 100 .

In addition, the POS terminal 400 displays product information for one or more items to be scanned (or recognized). Here, the product information includes a product name, a product unique code, a unit price, a quantity, an amount, a total total amount, and the like.

In addition, the POS terminal 400 receives payment method information transmitted from the user device 100, identification information of the user device 100, and the like.

In addition, the POS terminal 400 transmits one or more items of goods to be paid (or goods information to be recognized), identification information of the user apparatus 100, identification information of the POS terminal 400, and the like to the service providing apparatus 300 send.

In addition, the POS terminal 400 receives a token, a simple settlement identifier, and the like transmitted from the service providing apparatus 300 in response to one or more goods information to be settled (or goods information to be recognized) transmitted in advance.

In addition, the POS terminal 400 can pay for one or more pieces of merchandise to be paid (or merchandise information to be recognized), a token, a simple settlement identifier, identification information of the user apparatus 100, identification information of the POS terminal 400, To the server (500).

Also, if the token transmitted to the payment server 500 is invalid, the POS terminal 400 receives the authentication failure information transmitted from the payment server 500.

In addition, the POS terminal 400 displays the received authentication failure information.

Also, if the token transmitted to the payment server 500 is valid, the POS terminal 400 receives the payment function execution result transmitted from the payment server 500.

Also, the POS terminal 400 transmits the received payment function execution result to the user device 100. [

In addition, the POS terminal 400 outputs the received payment function execution result through a print such as a receipt.

The payment server 500 communicates with the user device 100, the service providing device 300, the POS terminal 400, and the like.

The settlement server 500 further includes at least one item information item to be settled (or goods information to be recognized) transmitted from the POS terminal 400, a token, a simple settlement identifier, identification information of the user apparatus 100, 400, and the like.

After the payment server 500 confirms that the settlement method is simple settlement through the received simple settlement identifier, the payment server 500 transmits the received token, the identification information of the user apparatus 100 And the like to the service providing apparatus 300.

If the token transmitted to the service providing apparatus 300 is not valid, the payment server 500 transmits the authentication failure information transmitted from the service providing apparatus 300 to the POS terminal 400.

In addition, when the token transmitted to the service providing apparatus 300 is valid, the payment server 500 transmits the card information, user information, benefit information (or corresponding user information Card information, user information, benefit information corresponding to the identification information of the apparatus 100).

In addition, the payment server 500 performs a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 transmits the benefit information corresponding to the benefit information (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 to the price information on the one or more goods to be settled The user can perform a payment function for the payment amount to which the amount is applied.

In addition, the payment server 500 transmits the payment function execution result (or payment information) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the payment function execution result (or payment information) includes a product name, a product unique code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a settlement date and time information,

In this manner, the POS terminal recognizes the commodity to be selected by the user of the user apparatus entered in the store, transmits the commodity information to be paid to the service providing apparatus, and provides the commodity information to be paid to the user apparatus And generates a one-time token corresponding to the PIN number transmitted from the user device in response thereto. The generated one-time token is transmitted to the POS terminal, and the POS terminal transmits the one- , A payment function can be performed by interlocking with a user device or the like.

In addition, when the offline credit card payment is performed through the electronic wallet service using the mobile user device, even if the existing credit card payment infrastructure is accepted as it is, the user device can use the POS terminal of the merchant and the credit card information As shown in FIG.

In this way, the service providing apparatus generates a one-time token for payment and provides it to the POS terminal of the merchant directly or through the user apparatus together with the simple settlement identifier, The one-time token and the simple settlement identifier for the corresponding settlement are added to the settlement server, and the settlement server obtains the simple settlement through the corresponding simple settlement identifier, and provides the one-time token to the service providing apparatus, And can perform the payment function through the received card information or the like.

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

3 to 5 are flowcharts illustrating a method of controlling a payment system according to an embodiment of the present invention.

First, when a user having the user apparatus 100 enters a store, the user apparatus 100 transmits identification information of the beacon 200 transmitted from the beacon 200 (or a store having the beacon 200) (I.e., unique identification information of the user).

For example, when a user having the user apparatus 100 enters the store A, the user apparatus 100 transmits the beacon 200 broadcasted (or transmitted) from the beacon 200 provided in the store A Identification information is received (S310).

The user device 100 then transmits the unique identification information of the received beacon 200 (or the unique identification information of the store where the beacon 200 is provided), the identification information of the user device 100 to the service providing device 300 . Here, the identification information of the user device 100 includes an MDN, a mobile IP, a mobile MAC, a SIM (subscriber identity module) card specific information, a serial number, and the like.

For example, the user device 100 may include unique identification information of the previously received beacon 200, information indicating the unique identification information of the beacon 200 received from the user device 100, To the service providing apparatus 300 (step S320).

Then, the service providing apparatus 300 receives unique identification information of the beacon 200 transmitted from the user apparatus 100, identification information of the user apparatus 100, and the like.

The service providing apparatus 300 may also be configured to allow the user corresponding to the user apparatus 100 to register with the service providing apparatus 300 in advance based on the received identification information of the corresponding user apparatus 100 (Or confirms) whether or not it is.

For example, the service providing apparatus 300 determines whether the user is a member based on the identification information of the user apparatus 100 (S330).

If the result of the determination (or the result of the check) is that the user corresponding to the user device 100 is not a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the guide information related to membership registration, (100).

The service providing apparatus 300 also performs a membership registration procedure for the user apparatus 100 (or the user of the user apparatus 100) by interlocking with the user apparatus 100. [

In addition, when the membership subscription process for the user device 100 is normally completed, the following processes can be performed normally.

For example, when the user apparatus 100 is not a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 may link the guide information related to the membership to the user apparatus 100 And performs a membership registration procedure for the corresponding user device 100 (S340).

When the user corresponding to the user device 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the beacon 200 received previously, Of the plurality of advertisement information and the plurality of benefit information stored in advance based on the unique identification information of the user device 100 and the identification information of the user device 100, Information, and one or more benefits information.

In addition, the service providing apparatus 300 may include a recommended recommendation card including at least one recommendation card capable of applying (or reflecting) the benefit information among a plurality of cards issued to the user apparatus 100 based on the one or more benefit information that has been confirmed. Create a card list. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing apparatus 300 may include at least one advertisement information, at least one benefit information, at least one recommendation card, and at least one recommendation card list including at least one advertisement information that can be provided to the corresponding user apparatus 100, And the like to the user device 100.

That is, when the user corresponding to the user apparatus 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 selects the corresponding beacon 200) corresponding to the unique identification information. In addition, the service providing device 300 checks one or more pieces of advertisement information, benefit information, and the like that can be provided to the corresponding user device 100 in the corresponding store based on the confirmed store information and the identification information of the received user device 100 . Also, the service providing apparatus 300 generates a recommendation card list including one or more cards to which the benefit information can be applied, from among a plurality of cards (or one or more cards) previously issued to the user apparatus 100. In addition, the service providing device 300 transmits to the user device 100 the identified one or more pieces of advertisement information, one or more benefit information, a generated recommendation card list, and the like.

For example, when the user device 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 selects the beacon 200 among the store information for each unique identification information of the plurality of beacons stored in advance And confirms clothing store information corresponding to the unique identification information. Also, the service providing apparatus 300 may store the first to fourth advertisement information that can be provided to the user equipment 100 in the clothing shop based on the identified clothing store information and the identification information of the user apparatus 100, And the second benefit information (for example, discount coupon information, membership benefit information, etc.). The service providing apparatus 300 also includes a recommendation card list including an AA settlement card, a BB settlement card, and a CC settlement card capable of applying first and second benefit information among a plurality of cards issued to the user apparatus 100 . Also, the service providing apparatus 300 may receive the first to fourth advertisement information, the first or second benefit information (including discount coupon information, membership benefit information, etc.), the AA payment card, the BB payment card, The recommended card list including the payment card is transmitted to the user device 100 (S350).

Thereafter, the user device 100 transmits one or more pieces of advertisement information transmitted from the service providing apparatus 300, one or more pieces of benefit information, and at least one piece of advertisement information transmitted from the service providing apparatus 300 in response to the unique identification information of the beacon 200 transmitted earlier, identification information of the user apparatus 100, A recommended card list, and the like.

Also, the user device 100 displays the received one or more pieces of advertisement information, one or more benefit information, a recommended card list, and the like.

6, the user apparatus 100 may include first to fourth advertisement information 610 transmitted from the service providing apparatus 300, first to fourth advertisement information 610 transmitted from the service providing apparatus 300, (E.g., discount coupon information, membership benefit information and the like) 620, and a recommended card list (e.g., AA payment card, BB payment card, and CC payment card) 630 (S360).

Then, the user device 100 transmits a payment card type (or unique identification information of the payment card), a personal identification number (PIN), and a personal identification number according to a user input (or a user selection) through a specific application installed in the user device 100, And the like.

That is, the user device 100 confirms the type of payment card selected (or selected) according to user input (or user selection) among a plurality of cards registered in advance in the corresponding user device 100. At this time, the user device 100 may check the type of the payment card (or the unique identification information of the payment card) for the payment card selected from the recommended card list transmitted from the service providing device 300.

Also, the user device 100 receives a PIN number according to a user input (or a user selection) through a specific application installed in the user device 100 in advance. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

For example, the user device 100 identifies one AA payment card selected from among a plurality of payment cards registered (or issued) in an electronic wallet application installed in advance in the corresponding user device 100. Also, the user device 100 receives the first PIN number (or the first PIN number corresponding to the AA payment card) according to user input through the corresponding electronic wallet app.

In another example, the user device 100 identifies one BB payment card that is selected from a list of recommended cards displayed on the user device 100. Also, the user device 100 receives the second PIN number according to the user input through the corresponding electronic wallet app (S370).

Then, the POS terminal 400 scans (or recognizes the barcode attached to the product to be paid for) the product to be paid for one or more items to be paid (or a payment product) selected by the user of the user device 100 .

In addition, the POS terminal 400 displays product information for one or more items to be scanned (or recognized). Here, the product information includes a product name, a product unique code, a unit price, a quantity, an amount, a total total amount, and the like.

For example, the POS terminal 400 recognizes the bar codes attached to the eleventh to thirteenth products respectively for the eleventh to thirteenth products selected by the user of the corresponding user device 100, The goods information 700 for the recognized eleventh to thirteenth goods is displayed (S380).

When the payment method is selected in a predetermined manner through a specific application installed in the user device 100 in advance, the user device 100 transmits payment method information, identification information of the user device 100, and the like to the POS terminal 400 Lt; / RTI > At this time, the settlement methods include cash settlement, card settlement, electronic settlement, and the like, and the predetermined method may be electronic settlement.

For example, when an electronic payment method, which is a specific payment method preset in advance through a specific application installed in the user device 100, is selected, the user device 100 transmits payment method information (for example, electronic payment method information Etc.), identification information of the user device 100, and the like to the POS terminal 400.

When the user device 100 is connected to the POS terminal 400 via the wire / wireless communication method (or BLE communication), the payment method information is transmitted from the user terminal 100 to the POS terminal 400, And the like.

When the user device 100 and the POS terminal 400 are not connected via a wire / wireless communication method, a user of the user device 100 may receive a preset connection via a specific application installed in the user device 100 The POS terminal 400 recognizes (or scans) a bar code (or QR code) including payment method information displayed on the user device 100, identification information of the user apparatus 100, and the like / Tagging).

In the embodiment of the present invention, the POS terminal 400 communicates with the user device 100 through the BLE communication method. However, the present invention is not limited thereto, and the POS terminal 400 may be an infrared communication (UWB), ZigBee, adjacent magnetic field communication, ultrasonic communication, visible light communication, Wi-Fi, Wi-Fi direct, and the like.

Then, the POS terminal 400 receives payment method information transmitted from the user apparatus 100, identification information of the user apparatus 100, and the like.

In addition, the POS terminal 400 transmits one or more items of goods to be paid (or goods information to be recognized), identification information of the user apparatus 100, identification information of the POS terminal 400, and the like to the service providing apparatus 300 send.

For example, the POS terminal 400 transmits merchandise information for the recognized eleventh to thirteenth merchandise, identification information for the user apparatus 100, identification information for the POS terminal 400, and the like to the service providing apparatus 300 (S400).

Thereafter, the service providing apparatus 300 transmits at least one item of merchandise to be paid (or merchandise information to be recognized) transmitted from the POS terminal 400, identification information of the user apparatus 100, identification information of the POS terminal 400 And the like.

In addition, the service providing apparatus 300 transmits one or more goods information to be paid to the corresponding user apparatus 100 corresponding to the identification information of the received user apparatus 100.

For example, the service providing apparatus 300 transmits product information on the eleventh to thirteenth products to the corresponding user device 100 corresponding to the identification information of the user device 100 (S410).

Thereafter, the user device 100 receives one or more goods information to be transmitted from the service providing device 300.

In addition, the user device 100 displays the received one or more goods information to be paid.

In addition, when the payment method is selected in a preset manner through a predetermined application installed in advance, the user device 100 receives the previously received payment card type (or unique identification information of the payment card), the PIN number, the identification of the user device 100 Information and the like to the service providing apparatus 300.

For example, the user device 100 displays product information on the eleventh to thirteenth products transmitted from the service providing device 300, and displays a predetermined payment method (for example, (Or unique identification information of the AA payment card), the first PIN number, the identification information of the user device 100, and the like to the service providing apparatus 300 (S420).

Then, the service providing apparatus 300 receives the payment card type (or unique identification information of the payment card) transmitted from the user apparatus 100, the PIN number, identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 generates a token (or disposable token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, randomly generated corresponding to the PIN number, and may be a state in which the number of times of use or the use period is set in advance. At this time, the service providing apparatus 300 may generate a token corresponding to the received PIN number and payment card type. Also, the service providing apparatus 300 manages (or stores) the generated token in association with the type of payment card, the PIN number, the identification information of the user apparatus 100, and the like.

Also, the service providing apparatus 300 transmits the generated token (or the token corresponding to the PIN number, the PIN number, and the token corresponding to the payment card type), the simple settlement identifier, and the like to the POS terminal 400. Here, the simple settlement identifier (or the simple settlement index) may be information for indicating that the settlement method is a simple settlement method through electronic settlement in advance.

For example, the service providing apparatus 300 generates an eleventh token corresponding to the first PIN number transmitted from the user device 100, and transmits the eleventh token corresponding to the eleventh token, Generates the simple settlement identifier, and transmits the generated eleventh token, the eleventh simple settlement identifier, and the like to the POS terminal 400 (S430).

Then, the POS terminal 400 receives a token, a simple settlement identifier, and the like transmitted from the service providing apparatus 300 in response to one or more items of goods to be settled (or goods information to be recognized) transmitted before.

In addition, the POS terminal 400 can pay for one or more pieces of merchandise to be paid (or merchandise information to be recognized), a token, a simple settlement identifier, identification information of the user apparatus 100, identification information of the POS terminal 400, To the server (500).

For example, the POS terminal 400 may receive the merchandise information, the eleventh token, the eleventh simple settlement identifier, the identification information of the user apparatus 100, the identification information of the POS terminal 400, And the like to the payment server 500 (S440).

The settlement server 500 then transmits the goods information to be paid (or the goods information to be recognized), tokens, the simple settlement identifier, the identification information of the user apparatus 100, the POS terminal 400 400, and the like.

After the payment server 500 confirms that the payment method is simple payment through the received simple settlement identifier, the payment server 500 transmits the received token, the identification information of the user device 100 And the like to the service providing apparatus 300.

For example, the payment server 500 may receive the merchandise information for the eleventh merchandise to the thirteenth merchandise, the eleventh token, the eleventh simple settlement identifier, the identification information of the user device 100, The identification information of the user device 100 and the identification information of the user device 100 are transmitted to the service providing device 300 in order to perform the authentication procedure related to the user device 100. [ (S450).

Then, the service providing apparatus 300 receives the token transmitted from the payment server 500, the identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 confirms whether or not the received token is valid.

That is, the service providing apparatus 300 includes a token corresponding to the received token and the identification information of the user apparatus 100, and identification information of the user apparatus (not shown) (Or whether it is present).

For example, it is checked whether there is a situation that the 11th token transmitted from the payment server 500 is issued by the service providing apparatus 300. If the identification information of the user apparatus that has issued the 11th token is received from the user apparatus 100 The service providing apparatus 300 includes an 11th token transmitted from the payment server 500 and a user ID of the user device 100 within the identification information of the user apparatus for each of a plurality of tokens stored in advance, (Step S460).

If it is determined that the received token and the token corresponding to the identification information of the user device 100 and the identification information of the user device are not included in the identification information of the user device for each of the plurality of tokens stored in advance in the service providing device 300 , That is, if the received token is invalid, the service providing apparatus 300 transmits the authentication failure information to the payment server 500.

In addition, the payment server 500 transmits the authentication failure information transmitted from the service providing apparatus 300 to the POS terminal 400.

In addition, the POS terminal 400 receives the authentication failure information transmitted from the payment server 500 in response to the previously transmitted token, and displays the received authentication failure information.

For example, when the 11th token transmitted from the payment server 500 and the identification information of the user device 100 are not included in the identification information of the plurality of tokens stored in advance in the service providing device 300 , The service providing apparatus 300 confirms the eleventh token as an invalid token and transmits the authentication failure information to the POS terminal 400 through the payment server 500 at step S470.

As a result of the confirmation, it is also possible that within the identification information of the plurality of tokens stored in the service providing apparatus 300, the token corresponding to the identification information of the user apparatus 100 and the identification information of the user apparatus The service providing apparatus 300 transmits the card information, the user information, the benefit information, and the like corresponding to the corresponding token (or the identification information of the received user apparatus 100) to the payment server 500, Lt; / RTI > At this time, the service providing apparatus 300 transmits a payment card type (or a PIN managed in association with the corresponding payment card type / token, which is confirmed based on the token generated in correspondence with the PIN number and the payment card type, User information, benefit information, and the like corresponding to the payment card type, the type of the payment card that is confirmed based on the identification number, the type of the payment card, and the identification information of the user device). Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, when the received token is valid, the service providing apparatus 300 transmits the token (or the identification information of the received user apparatus 100) to the user (or the user apparatus 100) corresponding to the received token User information, benefit information, and the like stored in advance in the service providing apparatus 300, and transmits the confirmed card information, user information, benefit information, and the like to the payment server 500. [ At this time, the service providing apparatus 300 confirms the card information, the user information, the benefit information, and the like corresponding to the type of the payment card transmitted from the user apparatus 100, and transmits the confirmed card information, user information, Or may be transmitted to the server 500.

For example, when the identification information of the user device 100 includes the 11th token transmitted from the payment server 500 and the identification information of the user device 100 in the identification information of the plurality of tokens previously stored in the service providing device 300, The service providing apparatus 300 transmits the 21st card information, the 21st user information, the 21st benefit information, etc. corresponding to the 11th token to the payment server 500 (S480).

Then, the payment server 500 transmits the card information, the user information, the benefit information (or the card information corresponding to the identification information of the user apparatus 100, the user information, Information, and benefit information).

In addition, the payment server 500 performs a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 transmits the benefit information corresponding to the benefit information (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 to the price information on the one or more goods to be settled The user can perform a payment function for the payment amount to which the amount is applied.

For example, the payment server 500 receives the 21st card information, the 21st user information, the 21st benefit information, etc. transmitted from the service providing apparatus 300 in response to the 11th token information transmitted earlier, And performs a payment function for the payment amount to which the benefit amount corresponding to the corresponding 21st benefit information is applied to the 11th goods to the 13th goods (S490).

Then, the payment server 500 transmits the payment function execution result (or payment information) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the payment function execution result (or payment information) includes a product name, a product unique code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a settlement date and time information,

For example, the payment server 500 transmits the result of the payment function execution for the eleventh to thirteenth goods to the POS terminal 400, the service providing device 300, and the like (S500).

Then, the POS terminal 400 receives the payment function execution result transmitted from the payment server 500. [

Also, the POS terminal 400 transmits the received payment function execution result to the user device 100. [

For example, the POS terminal 400 transmits to the user device 100 a result of performing a payment function for the received eleventh to thirteenth goods.

In addition, the POS terminal 400 may output the received payment function execution result through a print such as a receipt (S510).

Thereafter, the user device 100 receives the payment function execution result transmitted from the POS terminal 400 in response to the previously transmitted bar code information (or QR code information).

Also, the user device 100 displays the result of the received payment function execution.

For example, the user device 100 receives a payment function execution result for the eleventh to thirteenth goods transmitted from the POS terminal 400 in response to the previously transmitted 23rd barcode information. Also, the user device 100 displays the result of performing the payment function through the electronic wallet app (S520).

The user device, the service providing device, the POS terminal, and the settlement system including the user terminal, the POS terminal, and the billing system according to the embodiment of the present invention can be created in a computer program. Codes and code segments constituting the computer program can be easily Can be deduced. In addition, the computer program is stored in a computer readable medium and read by a computer, a user apparatus, a beacon, a service providing apparatus, a POS terminal, a payment server, or the like according to an embodiment of the present invention Thereby realizing a user apparatus, a service providing apparatus, a POS terminal, and a payment system including the same.

The information storage medium includes a magnetic recording medium, an optical recording medium, and a carrier wave medium. The computer program embodying the user apparatus, the service providing apparatus, the POS terminal, and the payment system including the same according to the embodiment of the present invention is stored and installed in a built-in memory such as a user device, a beacon, a service providing device, a POS terminal, . Alternatively, an external memory such as a user device, a service providing device, a POS terminal, a smart card storing and installing a computer program implementing the payment system including the user terminal, a beacon and a service A POS terminal, a payment server, or the like.

As described above, the embodiment of the present invention recognizes a commodity to be selected by a user of a user device entering a store in a POS terminal, transmits merchandise information or the like to be paid to the service providing apparatus, A one-time token generated by generating a one-time token corresponding to a PIN number transmitted from the user device in response to the product information to be paid, and transmits the generated one-time token to the POS terminal. A billing server, a user device, and the like, and provides a mobile simple settlement service offline. In a local store where payment is made while accommodating an existing credit card settlement infrastructure, By not providing credit card information, security is improved, The order can increase security while maintaining the simplicity and does not increase the complexity of your payment.

As described above, according to the embodiment of the present invention, when the offline credit card payment is performed through the electronic wallet service using the mobile user device, It is possible not to provide the credit card information to be paid directly to the server, thereby enhancing the security.

In the embodiment of the present invention, as described above, the service providing device generates a one-time token for payment and provides the one-time token together with the simple settlement identifier to the POS terminal through the user device or directly to the merchant POS terminal, The one-time token and the simple payment identifier for the payment are added to the information on the product, instead of the credit card information, to the payment server, and the payment server identifies the simple payment through the corresponding simple payment identifier, (Or a payment approval function) without providing card information directly to the POS terminal by receiving the actual card information or the like and performing the payment function through the received card information or the like, It is possible to improve convenience of the apparatus.

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

The present invention recognizes a commodity to be settled by a user of a user device entering a store in a POS terminal, transmits the commodity information to be paid to the service providing apparatus, and provides the commodity information to be paid to the user apparatus And generates a one-time token corresponding to the PIN number transmitted from the user device in response thereto. The generated one-time token is transmitted to the POS terminal, and the POS terminal transmits the one- And a user device to provide a mobile simple settlement service offline. In the case of receiving a credit card settlement infrastructure, a local store where payments are made does not provide actual credit card information, In order to improve the security and to improve security, The present invention can be widely used in a field of simple settlement, advertisement, service providing device, user equipment, POS terminal, and payment server.

10: Payment system 100: User device
200: Beacon 300: Service providing device
400: POS terminal 500: Payment server
110: user device communication unit 120: user device storage unit
130: User device display part 140: User device audio output part
150: User Device Control

Claims (10)

Receiving at least one of the payment method information transmitted from the user apparatus and the identification information of the user apparatus when the payment method is selected in a predetermined manner through a specific application installed in advance in the user apparatus, A POS terminal for transmitting merchandise information of at least one merchandise to be paid, identification information of the received user apparatus, and identification information of the POS terminal;
Receives the PIN number corresponding to the payment card type, receives and displays the product information for at least one item to be paid out from the POS terminal via the service providing apparatus A user device for transmitting the payment card type, a PIN number, and identification information of the user device; And
Receiving a payment card type, a PIN number, and identification information of the user device transmitted from the user device in response to the merchandise information of the at least one merchandise to be paid, generating a token corresponding to the received PIN number And a service providing device for transmitting a simple settlement identifier for indicating that the settlement method is a simple settlement method of a preset scheme and the generated token to the POS terminal. The method according to claim 1,
Wherein the token is a temporary token and is randomly generated corresponding to the PIN number, wherein the number of times of use and the period of use are preset. The method according to claim 1,
The POS terminal receives the token transmitted from the service providing apparatus and the simple settlement identifier in response to the transmitted at least one item of goods to be settled, and transmits the token, the simple settlement identifier, , Identification information of the user equipment, and identification information of the POS terminal. The method of claim 3,
Receiving the token, the simple settlement identifier, the at least one item of merchandise to be paid, the identification information of the user equipment and the identification information of the POS terminal transmitted from the POS terminal, And transmits the token and the identification information of the user equipment to the service providing apparatus in order to perform the authentication procedure related to the user apparatus after confirming the simple settlement, Further comprising a payment server for performing a payment function for the at least one item to be settled based on the card information, the user information, and the benefit information. 5. The method of claim 4,
Wherein the card information includes at least one of a card number, an expiration date, a card verification code (CVC) number, and a user name, and the user information includes at least one of a user name, a date of birth, an address, and an image, A coupon information, a membership benefit information, and a discount coupon information. The method according to claim 1,
The user equipment transmits identification information of the beacon transmitted from the beacon in the store and identification information of the user equipment to the service providing apparatus, and transmits one or more pieces of advertisement information, one or more benefit information provided from the service providing apparatus, Outputting a recommendation card list including at least one recommendation card to which the benefit information can be applied from among a plurality of cards, confirming the payment card type according to a user selection, and receiving the PIN number according to user input Billing system. Receiving a payment card type and a PIN number according to a user selection through a user device after the user of the user device enters the store;
The method comprising: scanning at least one item to be paid through a POS terminal, receiving payment method information provided from the user apparatus and identification information of the user apparatus;
Transmitting, via the service providing apparatus, the at least one product information to be paid out to the user device from at least one item of goods to be settled, identification information of the user apparatus, and identification information of the POS terminal transmitted from the POS terminal;
Receiving and displaying at least one item of goods information to be paid through the user apparatus, transmitting the received payment card type, PIN number, and identification information of the user apparatus;
Transmitting, via the service providing apparatus, a token corresponding to a PIN number transmitted from the user apparatus and a simple settlement identifier corresponding to the token to the POS terminal; And
And temporarily storing the token, the simple settlement identifier, the kind of the payment card transmitted from the user apparatus, the PIN number, and the identification information of the user apparatus in association with the service providing apparatus. 8. The method of claim 7,
Receiving identification information of a beacon transmitted from a beacon via the user device before receiving the payment card type and PIN number; And
When the user corresponding to the user apparatus is a member registered in advance on the basis of the identification information of the beacon transmitted from the user apparatus and identification information of the user apparatus, Further comprising transmitting to the user device a recommendation card list including one or more pieces of advertisement information identified in the benefit information of the benefit information, one or more benefit information, and one or more recommendation cards applicable to the benefit information. Method of controlling the system. 8. The method of claim 7,
A settlement server configured to transmit settlement information based on the simple settlement identifier among the at least one item to be settled, the token, the simple settlement identifier, the identification information of the user apparatus and the identification information of the POS terminal, Transmitting the identification information of the token and the user equipment to the service providing apparatus in order to perform an authentication procedure related to the user apparatus after confirming that the user is a simple settlement;
Confirming, through the service providing apparatus, whether the token is valid;
Transmitting the card information, the user information, and the benefit information corresponding to the token to the payment server through the service providing apparatus when the token is valid;
Performing a payment function for a payment amount corresponding to the one or more goods information to be settled based on card information, user information, and benefit information transmitted from the service providing apparatus through the payment server;
Transmitting a payment function execution result to the POS terminal through the payment server; And
Further comprising the step of displaying the result of the settlement function execution through the POS terminal. 10. A recording medium on which a computer program for performing the method according to any one of claims 6 to 9 is recorded.
KR1020150134124A 2015-09-22 2015-09-22 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon KR20170035251A (en)

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KR20150002067A (en) 2013-06-28 2015-01-07 한국정보통신주식회사 Method for providing payment service using mobile card of app type, terminal and server

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