KR20170047537A - 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

Info

Publication number
KR20170047537A
KR20170047537A KR1020150147766A KR20150147766A KR20170047537A KR 20170047537 A KR20170047537 A KR 20170047537A KR 1020150147766 A KR1020150147766 A KR 1020150147766A KR 20150147766 A KR20150147766 A KR 20150147766A KR 20170047537 A KR20170047537 A KR 20170047537A
Authority
KR
South Korea
Prior art keywords
user
payment
information
user device
service providing
Prior art date
Application number
KR1020150147766A
Other languages
Korean (ko)
Inventor
곽세병
Original Assignee
에스케이플래닛 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 에스케이플래닛 주식회사 filed Critical 에스케이플래닛 주식회사
Priority to KR1020150147766A priority Critical patent/KR20170047537A/en
Priority to US15/261,064 priority patent/US20170083889A1/en
Priority to CN201610827057.8A priority patent/CN106934614B/en
Publication of KR20170047537A publication Critical patent/KR20170047537A/en

Links

Images

Classifications

    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]

Landscapes

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

Abstract

The present invention discloses a user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. That is, the present invention can effectively select a participant who participates in the partial settlement among the user information that visited the actual store when performing the partial settlement, and can easily select the participant of the partial settlement service.

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. Displaying information on one or more user devices existing in a telephone directory of the device, registering the user as a partial payment participant for partial payment by interworking with at least one user device selected from the displayed one or more user devices, The device collects the contributions for each participant from the users participating in the partial payment at the time of partial payment, collects the payment means information previously issued for each user device of each user, By interlocking with the terminal and the payment server, A user equipment, to a billing system, its control method and a computer program recorded recording medium including a service providing apparatus, POS terminal, him to do.

However, most of the participants have to select individual participants to participate, and then, in the total payment amount, an individual participant can enter an amount to be paid or an equal division is assigned to each participant, And the like.

This is merely a conversion from the existing Dutch payment method, in which cash is simply paid out, to a method in which the terminal is used, and since the POS terminal itself supports partial payment, the necessity of using the service through such complicated operations is low.

In addition, if the individual contribution amount is provided through the Dutch paper, since the amount of payment per person is small, the amount of discount or the benefit of the payment method is not satisfied, , You will lose the opportunity to lower your total billing amount.

Korean Patent Laid-Open Publication No. 10-2013-0089896 [Title: Portable terminal having a Dutch payment function, payment terminal and payment agent server, payment method and payment agent method using the same]

SUMMARY OF THE INVENTION An object of the present invention is to provide a user apparatus, a service providing apparatus, a POS terminal, a billing system including the same, a control method thereof, and a computer program for effectively selecting a participant participating in a partial settlement from user information, And to provide a recorded recording medium.

It is another object of the present invention to provide a method and apparatus for displaying information on one or more user equipments existing in a telephone directory of a user equipment among a plurality of user equipments in a check- The service providing apparatus collects the contributions for each participant from the users participating in the partial payment at the time of partial payment at the service providing apparatus, A POS terminal, and a billing system including the POS terminal and the settlement server, which collects means information, performs a settlement function by interlocking with a user apparatus, a POS terminal, and a settlement server in accordance with the contribution amount per participant, , A control method thereof, and a computer program To provide a medium.

The billing system according to an embodiment of the present invention includes a plurality of user devices that visit a store provided with a POS terminal and maintain a check-in state; A POS terminal for managing a payment card type per user device, a PIN number per user device, and identification information of a user device for each user device related to a plurality of user devices maintaining a check-in state, and recognizing at least one product to be settled; When a first user equipment included in a plurality of user equipments desires to perform partial payment for one or more commodities, a plurality of user equipments in a check-in state in a POS terminal based on divided payment request information transmitted from the first user equipment, Identifying a plurality of user devices associated with the first user device, creating a partial payment participant registration room for partial payment associated with the first user device, and generating a plurality of user devices associated with the plurality of user devices checked in to the identified POS terminal A service providing device for providing the first user device with identification information and information on the created divided payment participant registration room; And a display unit for displaying identification information of a plurality of user apparatuses checked in to the POS terminal transmitted from the service providing apparatus and displaying the divided payment participation request signal and the split payment participation request signal in at least one other user apparatus selected from identification information of the plurality of user apparatuses to be displayed And a first user device for transmitting information about the payment participant registration room.

As an example related to the present invention, the information on the partial payment participant registration room may include at least one of a registered room name, a registered room unique number, and a partial payment maximum participant number.

As an example related to the present invention, a first user device may be configured to, when there is identification information of a user device stored in a telephone directory of a first user device among identification information of a plurality of user devices, It is possible to confirm the name stored in the name item of the telephone directory with respect to the identification information of the user apparatus and display the confirmed name instead of the identification information of the one or more user apparatuses.

As an example related to the present invention, at least one other user device can register as a part-time payment participant by interworking with a service providing device based on information on a partial payment participant registration room transmitted from the first user device.

As one example related to the present invention, when all of the partial payment participant registrations are set in a plurality of user equipments corresponding to the number of partial payment maximum participants set for the partial payment, Related information request signal related to a plurality of user apparatuses and transmits a settlement related information request signal related to the apparatus to the POS terminal, Type, PIN number per user device, identification information of the user device for each user device, total payment amount for the product selected by the user of the first user device, and information on one or more items to be paid, Based on the number of user equipments have.

As an example related to the present invention, a service providing apparatus transmits one or more goods information to be settled, a contribution per set participant, card information corresponding to a PIN number per user apparatus, user information and benefit information, A payment function for each participant's contribution for each of a plurality of user devices on the basis of the credit card information, the credit card information corresponding to the PIN, And a payment server for transmitting the user information to each of the plurality of user devices via the device.

A method of controlling a billing system according to an embodiment of the present invention is a method for controlling a billing system according to an embodiment of the present invention for a plurality of user devices visited in a store provided with a POS terminal through a POS terminal, The method comprising: receiving identification information of a plurality of user equipments and maintaining a check-in state for simple settlement of a plurality of user equipments; When a predetermined menu on the application preinstalled in the first user device is selected through the first user device included in the plurality of user devices to perform a partial payment function for one or more goods, Transmitting identification information of the user equipment; Confirming identification information of a plurality of user apparatuses related to a plurality of user apparatuses checked in the POS terminal based on the divided payment request information by interworking with the POS terminal through the service providing apparatus; Creating a partial payment participant registration room for partial payment related to the first user device based on the partial payment request information through the service providing device; Transmitting identification information of a plurality of user apparatuses checked in the POS terminal identified in response to the divided payment request information and information on the created divided payment participant registration room to the first user apparatus through the service providing apparatus; Transmitting to the at least one other user apparatus selected from the identification information of the plurality of user apparatuses checked in the POS terminal, information on the divided payment participation request signal and the divided payment participant registration room through the first user apparatus; And performing a partial payment participation registration procedure by interworking with the service providing apparatus based on the information on the partial payment participant registration room through at least one other user apparatus.

Transmitting a settlement related information request signal related to a plurality of user apparatuses participating in a partial settlement to a POS terminal when a predetermined time has elapsed through a service providing apparatus as an example related to the present invention; A POS terminal, a payment card type per user device, a PIN number per user device, identification information of a user device by a user device, a total number of goods selected by a user of the first user device, Transmitting the payment amount and at least one item of goods to be paid to the service providing apparatus; Setting an attribution for each participant based on a total payment amount transmitted from the POS terminal and a number of user devices participating in the partial payment through the service providing device; Transmitting at least one item of merchandise to be settled, a contribution per set participant, card information corresponding to a PIN number per user device, user information, and benefit information through a service providing device; The settlement server performs a partial payment function for each participant's contribution for each of a plurality of user apparatuses based on the contributions per participant transmitted from the service providing apparatus, the card information corresponding to the PIN number per user apparatus, the user information, and the benefit information ; Transmitting a result of performing a payment function for each user device to a plurality of user devices through a service providing device through a payment server; And displaying a result of performing a payment function for each user device through a plurality of user devices.

In one embodiment of the present invention, the step of confirming the identification information of a plurality of user apparatuses related to a plurality of user apparatuses checked in to the OS terminal comprises the steps of: identifying the one or more user apparatuses Can be provided to the service providing apparatus.

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 effectively selects a participant who participates in the partial settlement among the user information that visited the actual store when performing the partial settlement so that the participant of the partial settlement service can be easily selected.

The present invention also provides a method of displaying information on one or more user apparatuses existing in a phone book of a user apparatus among a plurality of user apparatuses checked in the store at a time of partial payment and displaying at least one The service providing device registers the contributions for each participant from the users participating in the partial payment at the time of partial payment at the service providing device, And performs a payment function by interlocking with the user device, the POS terminal, and the payment server according to the contribution amount per participant and the information on the payment means for each participant, thereby making it possible to perform the payment function same as the user existing in the telephone directory of the user device For other users in the beacon area, As to enable the filter, because it reduces the number of the list of users has an effect which is more easily selected participants.

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 are flowcharts illustrating a method of controlling a payment system according to an embodiment of the present invention.
6 to 7 are views illustrating screens of a user apparatus 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.

When the user apparatus 100 maintaining the check-in state in the store provided with the beacon 200 wishes to perform the split payment function, the user apparatus 100 transmits the service information And displays identification information of a plurality of user equipments (100). Thereafter, when at least one other user device 100 is selected from the identification information of the plurality of user devices 100 displayed on the user device 100, the user device 100, the at least one other user device 100 ) And the service providing apparatus 300, the subscriber is registered as a partial payment participant for partial payment through the partial payment participant registration room created in the service providing apparatus 300. [ Thereafter, after the partial payment participant registration process is normally performed, the service providing apparatus 300, by interlocking with the POS terminal 400, generates a payment card type, a PIN (Personal Identification Number) associated with a plurality of user apparatuses 100 participating in partial payment, The identification information of the user device 100, the total payment amount for one or more goods or services selected by the user of the user device 100, and at least one product information or service information to be paid. Thereafter, the service providing apparatus 300 transmits, to the service providing apparatus 300, one or more pieces of merchandise information or service information to be settled, contribution information per participant, card information (or card information per user apparatus) corresponding to the PIN number per user apparatus, (Or user information for each user device), benefit information (or benefit information for each user device), and the like to the payment server 500. Thereafter, the payment server 500 performs a payment function for each settlement amount corresponding to each participant for each user apparatus participating in the partial payment based on the information transmitted from the service providing apparatus 300, And provides the settlement function execution result to the plurality of user apparatuses 100 participating in the partial settlement through the service providing apparatus 300, respectively.

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 .

The user device control unit 150 may be configured to perform a partial payment function on a product or service selected by the user of the user device 100 And displays the execution result screen through the user device display unit 130. [

In addition, when a preset friend search menu (or item / button) is selected from among the preset execution result screens displayed on the user device display unit 130, the user device controller 150 displays the divided payment request information, To the service providing apparatus 300 through the user apparatus communication unit 110. [

In addition, the user device controller 150 may be configured to determine whether the plurality of user devices 100 are in the checked-in state in the store provided with the corresponding POS terminal 400 transmitted from the service providing device 300 in response to the previously- Identification information, information on the registered payment participant registration room, and the like through the user device communication unit 110.

The user device controller 150 outputs the identification information of the plurality of user devices 100 through the user device display 130 and / or the user device audio output unit 140. At this time, the user device controller 150 displays the identification information of the plurality of user devices 100 excluding the identification information of the user device 100 among the identification information of the plurality of user devices 100. [

Here, the user device controller 150 determines whether the identification information of the user device stored (or registered) in the phone book (or the address book) of the corresponding user device 100 among the identification information of the received plurality of user devices 100 exists (Or judges).

If the identification information of one or more user devices 100 stored in the telephone directory of the user device 100 is found among the identification information of the plurality of user devices 100, (E.g., name, nickname, etc.) stored in the name item (or name item) of the corresponding phone book with respect to the identification information of one or more user devices 100 stored in the phone book of the apparatus 100. [

When the identification information of the plurality of user equipments 100 is displayed, the user device controller 150 stores the identification information of the user device 100 stored in the phone book of the user device 100, The name corresponding to the identification information of the user can be displayed.

In addition, when displaying the identification information of the plurality of user devices 100, the user device controller 150 may display only a part of the identification information of the plurality of user devices 100, but not all of them.

The identification information of a plurality of user apparatuses 100 displayed on the user apparatus display unit 130 or the plurality of user apparatuses 100 excluding the identification information of the user apparatus 100, When at least one other user device 100 is selected by the user's selection (or control) of the user device 100 from among the selected at least one other user device 100 The user terminal 100 transmits the division payment participation request signal, information on the divided payment participant registration room, and the like to the user device 100 via the user device communication unit 110, respectively.

At this time, the user device controller 150 may directly transmit the divided payment participation request signal, information on the divided payment participant registration room, etc. to at least one other user device 100, or may transmit the divided payment participant registration room information via the service providing device 300 To the at least one other user equipment 100.

After the respective payment functions for the plurality of user devices 100 participating in the partial settlement are normally performed, the user device controller 150 performs a payment function performed as a result of the payment function transmitted from the service providing device 300 Through the user device communication unit 110. [0050] FIG.

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

At least one other user device 100 included in the plurality of user devices 100 (or a plurality of user devices 100 excluding the corresponding user device 100 participating in the partial payment) Or the service providing apparatus 300), information on the partial payment participant registration room, and the like. At this time, at least one other user apparatus 100 may be a user apparatus in a check-in state in the same store where the corresponding user apparatus 100 is located.

In addition, each of the at least one other user device 100 displays the received partial payment participation request signal, information on the partial payment participant registration room, and the like.

Also, when at least one other user device 100 wants to participate in the partial payment, the other user device 100 accesses the service providing device 300 based on the information on the previously registered partial payment participant registration room .

In addition, the other user device 100 can operate in conjunction with the service providing device 300 to perform a partial settlement process in the divided payment participant registration room included in (or corresponding to / corresponding to) As a part-time payment participant.

The user device 100 and the at least one other user device 100 may further include an interface unit (not shown) performing 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.

After receiving the payment card type, PIN number, identification information of the user apparatus 100, etc., the service providing apparatus 300 maintains a standby state (or check-in state) for simple settlement.

As described above, the service providing apparatus 300 transmits advance information (for example, a payment card type, a PIN number, a user ID and a password) to the user apparatus 100 entering the store provided with the POS terminal 400, (Including identification information of the mobile terminal 100).

The service providing apparatus 300 maintains the check-in state with the plurality of user apparatuses 100 by interlocking (or communicating) with the plurality of user apparatuses 100 visiting the store where the corresponding POS terminal 400 is installed

Also, the service providing apparatus 300 receives the divided payment request information transmitted from the user apparatus 100, the identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 can identify the plurality of user apparatuses 100 in the check-in state (for example, a plurality of (Including the telephone number of the user device 100). At this time, the identification information of the plurality of user equipments 100 checked in the corresponding store of the POS terminal 400 includes the identification information of the user equipments 100.

That is, the service providing apparatus 300 requests the POS terminal 400 to identify the user apparatus in the check-in state to the POS terminal 400 based on the previously received divided payment request information, And receives the identification information of the plurality of user apparatuses 100 in the check-in state in the corresponding store provided with the corresponding POS terminal 400 transmitted from the POS terminal 400.

At this time, the service providing apparatus 300 may receive only the identification information of the plurality of user apparatuses 100 located in the communication range (or the BLE communication range) of the corresponding POS terminal 400 from the POS terminal 400.

Also, the service providing apparatus 300 creates a partial payment participant registration room for partial payment based on the previously received partial payment request information. At this time, the created partitioned payment participant registration room is linked to (or matched with) the identification information of the corresponding user device 100 and managed. Here, the partial payment participant registration room includes information such as a registered room name, a registration room unique number, and the number of partial payment maximum participants.

Also, the service providing apparatus 300 may transmit identification information of the plurality of user apparatuses 100 checked in the store where the identified POS terminal 400 is installed, information on the created divided payment participant registration room, (100).

In addition, when at least one other user apparatus 100 wants to participate in the partial payment, the service providing apparatus 300 transmits the service to the corresponding service providing apparatus 300 (or the corresponding service providing apparatus 300) based on the information on the divided payment participant registration room (Or controls) the connection relationship with other user devices 100 connected to the user terminal 100 (the divided payment participant registration room created by the device 300). Herein, at least one other user device 100 may identify the plurality of user devices 100 provided in the user device 100 (or the identification information of the plurality of user devices 100) Corresponding to the identification information of at least one other user apparatus 100 selected by the user (or control) of the user of the user apparatus 100 among the plurality of user apparatuses 100 excluding the identification information) Device.

In addition, the service providing apparatus 300 can perform the partial settlement settlement in the divided payment participant registration room included in (or corresponding to / corresponding to) the information on the corresponding divided payment participant registration room connected to the other user apparatus 100, And the registration process of the Participant Settlement Participant.

In the embodiment of the present invention, at least one other user device 100 selected by the user device 100 performs a partial payment participant registration function for partial payment by interlocking with the corresponding service providing device 300 However, the present invention is not limited to this. However, the present invention is not limited to this, but may be applied to one or more user apparatuses 100 that perform settlement settlement together in a plurality of user apparatuses checked in the POS terminal 400 by interlocking with the service providing apparatus 300, And may create (or set) one group based on a user device commonly included among one or more user devices selected for each user device.

For example, if the POS terminal 400 selects a second user apparatus and a third user apparatus from a first user apparatus included in a plurality of user apparatuses checked in, When the fourth user device included in the user device selects the first user device and the fifth user device, the service providing device 300 automatically selects the first user device, the second user device, The third user device, the fourth user device, and the fifth user device, and transmits information on the created divided payment participant registration room to the first through fifth user devices, respectively , And may be configured to register as a partial payment participant.

In addition, if a predetermined time has elapsed for the partial payment (or if all of the partial payment participant registrations are set in the plurality of user equipments corresponding to the number of partial payment maximum participants set for the partial payment), the service providing apparatus 300 Transmits to the POS terminal 400 a settlement related information request signal related to a plurality of user devices 100 participating in the partial settlement. Here, the payment related information request signal includes identification information of a plurality of user devices participating in the partial payment.

In addition, the service providing apparatus 300 may receive a payment related information request signal related to a plurality of user apparatuses 100 participating in the divided payment, A PIN number (or a PIN number per user device) related to the user device 100, a type of a payment card related to the user device 100 (or a type of a payment card for each user device participating in a payment card type / (Or identification information of the user device for each user device), a total payment amount for the goods or services selected by the user of the corresponding user device 100, and at least one product information or service information to be settled.

In addition, the service providing apparatus 300 sets the contribution amount per participant based on the total payment amount and the number of the plurality of user apparatuses 100 participating in the partial settlement. At this time, the method of setting the contribution amount is a method of setting 1 / n (or evenly charged) based on the number of the plurality of user devices 100, a method of setting an actual payment amount (or a total payment amount) (Or the total payment amount) in the service providing apparatus 300, and then transmits the actual payment amount to the plurality of user apparatuses 100 (Or the total payment amount) of the user device, and receiving a contribution amount per user device transmitted in response to each user device. Here, the actual payment amount may be the same amount as the total payment amount if the benefit information is not applied to the total payment amount.

In addition, the service providing apparatus 300 transmits one or more goods information or service information to be settled, contribution information per participant, card information corresponding to the PIN number per user apparatus, user information, benefit information, and the like to the payment server 500. 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 earned benefit information.

After the respective payment functions for the plurality of user equipments 100 are normally performed, the service providing device 300 transmits the payment function execution result per user device (or payment information per user device 100) ), Earning point information on the performance of a payment function for each user device, and the like.

Also, the service providing apparatus 300 transmits to each of the plurality of user apparatuses 100 participating in the partial payment, as a result of performing the settlement function, information on the accumulation point of the settlement function, and the like.

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 .

Also, the POS terminal 400 receives the type of payment card transmitted from the user device 100, the PIN number, identification information of the user device 100, and the like.

Further, after receiving the payment card type, the PIN number, the identification information of the user device 100, and the like, the POS terminal 400 maintains a standby state (or check-in state) for simple settlement.

In addition, the POS terminal 400 transmits the received payment card type, PIN number, identification information of the user apparatus 100, etc. to the service providing apparatus 300.

In addition, the POS terminal 400 maintains the check-in state with the plurality of user apparatuses 100 by interlocking (or communicating) with the plurality of user apparatuses 100 visiting the store where the corresponding POS terminal 400 is installed

As described above, the POS terminal 400 transmits advance information (for example, a payment card type, a PIN number, a user ID and a password) to the user apparatus 100 that has entered the store equipped with the POS terminal 400 100), 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 may check the service information about the service to be settled for the service selected (or used) by the user of the user device 100, and display the confirmed service information. Here, the service information includes a service name, a service specific code, a unit price, a quantity, an amount, a total total amount, and the like.

The POS terminal 400 can also be operated in cooperation with the service providing apparatus 300 so that identification information of a plurality of user apparatuses 100 in a check-in state (for example, (Including the telephone number of the user apparatus 100) to the service providing apparatus 300.

That is, the POS terminal 400 receives a request for the identification information of the user apparatus in the check-in state in the POS terminal 400 of the service providing apparatus 300, To the service providing apparatus 300, identification information of a plurality of user apparatuses 100 checked in the store.

At this time, the POS terminal 400 may provide only the identification information of the plurality of user devices 100 located in the communication range (or the BLE communication range) of the corresponding POS terminal 400 to the service providing device 300.

The POS terminal 400 also stores identification information of a plurality of user equipments 100 which are located in the communication range (or the BLE communication range) of the corresponding POS terminal 400 and are kept in the checked-in state in the corresponding store, ).

In addition, the POS terminal 400 receives a payment related information request signal related to a plurality of user devices 100 participating in the partial payment transmitted from the service providing device 300.

In addition, the POS terminal 400 responds to the payment related information request signal related to the plurality of user devices 100 participating in the partial payment, and transmits the payment card type (or payment card per user device) PIN number (or PIN number per user device), identification information of the user device 100 (or identification information of the user device of each user device), the corresponding user device (e.g., 100 to the service providing apparatus 300. The service providing apparatus 300 transmits the total payment amount for the goods or services selected by the user of the service providing apparatus 100,

In addition, after the partial payment function for a plurality of user devices 100 is normally performed, the POS terminal 400 transmits a payment function result (or payment information per user device) for each user device transmitted from the payment server 500, And accumulation point information according to the execution of the payment function for each user device. Here, the result of performing the payment function for each user device (or the payment information for each user device) includes a product name (or a service name), a product unique code (or service unique code), a unit price, a quantity, Amount (or total payment amount), settlement date and time information, payment card type, and the like.

In addition, the POS terminal 400 transmits to each of the plurality of user devices 100 participating in the partial payment, as a result of performing the settlement function, the accumulated point information upon execution of the settlement function, and the like.

In addition, the POS terminal 400 may output the result of performing the payment function for each user device 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.

In addition, the payment server 500 receives at least one item of merchandise information or service information to be paid from the service providing apparatus 300, a credit for each participant, card information corresponding to a PIN number per user apparatus, user information, benefit information, do.

In addition, the payment server 500 performs a partial payment function for each participant's contribution for each of a plurality of user apparatuses based on the contribution amount per participant, card information corresponding to the PIN number per user apparatus, user information, benefit information, do. At this time, the payment server 500 adds the benefit amount corresponding to the benefit information transmitted from the service providing apparatus 300 (or the benefit information applicable to the user of the user apparatus 100) to the contribution contribution amount per participant Or the actual payment amount).

In addition, the payment server 500 transmits a result of performing a payment function for each user device (or payment information for each user device) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the result of performing the payment function for each user device (or the payment information for each user device) includes a product name (or a service name), a product unique code (or service unique code), a unit price, a quantity, Amount (or total payment amount), settlement date and time information, payment card type, and the like.

In this case, when the accumulation point accumulated according to the execution of the payment function occurs, the payment server 500 transmits the accumulation point information for each user apparatus to the POS terminal 400, , The service providing apparatus 300, or the like.

As described above, when performing the partial settlement, the participant who participates in the partial settlement can be effectively selected from the user information that visited the actual store.

In this manner, it is possible to display information on one or more user apparatuses existing in the telephone directory of the user apparatus among the plurality of user apparatuses checked in the store in the division, and to display at least one The service providing device registers the contributions for each participant from the users participating in the partial payment at the time of partial payment at the service providing device, Information can be collected, and the payment function can be performed by interlocking with the user device, the POS terminal, and the payment server according to the contribution amount per participant and the payment means information per participant.

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 first user device 100 enters the store A, the first user device may transmit a beacon 200 broadcasted (or transmitted) from the beacon 200 provided in the store A, (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, in order to notify (or notify) the service providing apparatus 300 that the first user apparatus has entered the store, the first user apparatus transmits unique identification information of the previously received beacon 200, To the service providing apparatus 300 (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 to join the service based on the identification information of the first user equipment (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 first user equipment is not a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 may be linked to the first user equipment, And performs a membership registration procedure for the first user device (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 first user device is a member registered in advance in the service providing device 300, the service providing device 300 selects the beacon 200 unique to the beacon 200 A store information corresponding to the identification information is confirmed. Also, the service providing apparatus 300 may store the first to third advertisement information that can be provided to the first user device in the shop A and the first to third advertisement information that can be provided to the corresponding first user device based on the confirmed store information A and the identification information of the first user device Check the offer information (for example, discount coupon information, membership benefit information, etc.). Also, the service providing apparatus 300 may transmit a recommendation card list including AA cards, BB cards, CC cards, and DD cards that can be applied to the first and second benefit information among a plurality of cards issued to the first user equipment . Also, the service providing apparatus 300 may receive the first to third advertisement information, the first or second benefit information (e.g., discount coupon information, membership benefit information, etc.), the AA card, the BB card, The recommended card list including the DD card is transmitted to the first user device (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 one or more pieces of advertisement information, one or more benefit information, a recommended card list, and the like received in advance through a specific application installed in the user device 100 in advance.

6, the first user equipment may include first to third advertisement information 610 transmitted from the service providing apparatus 300, first and second advertisement information 610, (E.g., discount coupon information, membership benefit information, etc.) 620, a recommended card list 630 including AA cards, BB cards, CC cards, and DD cards (S360).

Thereafter, the user device 100 confirms the type of the payment card selected (or selected) according to the user input (or the user selection) among the one or more recommended cards included in the recommended card list displayed on the user device 100 .

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 kind of payment card identified above.

Also, the user device 100 stores the identified payment card type (or unique identification information of the payment card), the PIN number (or the PIN number corresponding to the confirmed payment card type), the identification information of the user device 100, To the providing apparatus 300 (or the POS terminal 400).

As an example, the first user device identifies the DD card selected in the recommended card list 630 including the AA card, BB card, CC card and DD card shown in FIG. Also, the first user device receives a first PIN number (e.g., 123456) according to user input through an electronic wallet app installed in advance in the first user device. Also, the first user equipment may transmit the identified DD card (or DD card type), the received PIN number, the identification information of the first user equipment to the service providing apparatus 300, or the POS terminal 400 (S370).

Then, the service providing apparatus 300 (or the POS terminal 400) receives the payment card type, PIN number, identification information of the user apparatus 100, and the like transmitted from the user apparatus 100.

After receiving the payment card type, the PIN number, the identification information of the user apparatus 100, etc., the service providing apparatus 300 (or the POS terminal 400) Lt; / RTI >

For example, the service providing apparatus 300 (or the POS terminal 400) receives the DD card (or DD card type) transmitted from the first user apparatus, the received PIN number, identification information of the first user apparatus, and the like .

In this way, the service providing apparatus 300 (or the POS terminal 400) can acquire the advance information (for example, payment information) for the simple settlement of payment for the user apparatus 100 entering the store provided with the POS terminal 400 Card type, PIN number, identification information of the user apparatus 100, and the like).

The service providing apparatus 300 (or the POS terminal 400) may be connected to the POS terminal 400 by interworking (or communicating) with the plurality of second to tenth user apparatuses 100 visiting the store equipped with the POS terminal 400 2 to the tenth user device (S380).

Then, the POS terminal 400 scans (or transmits a code such as a bar code attached to the product to be paid) to at least one item to be paid (or a payment item) selected by the user of the user device 100 Recognition).

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 may check the service information about the service to be settled for the service selected (or used) by the user of the user device 100, and display the confirmed service information. Here, the service information includes a service name, a service specific code, a unit price, a quantity, an amount, a total total amount, and the like.

For example, the POS terminal 400 recognizes the bar code attached to each of the eleventh to thirteenth products for the eleventh to thirteenth products selected by the user of the corresponding first user device, To 13th goods.

In another example, the POS terminal 400 displays service information for the eleventh to fourteenth services for the eleventh to fourteenth services used by the user of the corresponding first user equipment (S390).

Thereafter, in order to perform a partial payment function for a product or service selected by the user of the user device 100 (or to use / purchase), the user selects a friend in-store menu (Or item / button) is selected, the user device 100 transmits the partial payment request information, the identification information of the user device 100, and the like to the service providing device 300.

For example, when a preset friend in-store search menu displayed on the corresponding app is selected according to user operation (or user control) of the first user device through an application pre-installed on the first user device, In order to perform the partial payment function for the selected eleventh to thirteenth products, the partial payment request information is generated, and the generated partial payment request information, the identification information of the first user device, and the like are transmitted to the service providing device 300 (S400).

Then, the service providing apparatus 300 receives the divided payment request information transmitted from the user apparatus 100, the identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 can identify the plurality of user apparatuses 100 in the check-in state (for example, a plurality of (Including the telephone number of the user device 100). At this time, the identification information of the plurality of user equipments 100 checked in the corresponding store of the POS terminal 400 includes the identification information of the user equipments 100.

That is, the service providing apparatus 300 requests the POS terminal 400 to identify the user apparatus in the check-in state to the POS terminal 400 based on the previously received divided payment request information, And receives the identification information of the plurality of user apparatuses 100 in the check-in state in the corresponding store provided with the corresponding POS terminal 400 transmitted from the POS terminal 400.

At this time, the POS terminal 400 may provide only the identification information of the plurality of user devices 100 located in the communication range (or the BLE communication range) of the corresponding POS terminal 400 to the service providing device 300.

The POS terminal 400 also stores identification information of a plurality of user equipments 100 which are located in the communication range (or the BLE communication range) of the corresponding POS terminal 400 and are kept in the checked-in state in the corresponding store, ).

For example, the service providing apparatus 300 requests the POS terminal 400 to identify the user apparatus in the checked state to the POS terminal 400 based on the previously received divided payment request information. In addition, the POS terminal 400 confirms the identification information of the first to tenth user devices in the checked-in state at the store A provided with the corresponding POS terminal 400 located within the communication range of the corresponding POS terminal 400, (For example, the telephone numbers of the first to tenth user devices) of the first to tenth user devices in the checked-in state to the service providing device 300. [ Also, the service providing apparatus 300 receives the identification information of the first to tenth user apparatuses checked in the store A transmitted from the POS terminal 400 in response to the previous request (S410).

Then, the service providing apparatus 300 creates a partial payment participant registration room for partial payment based on the previously received partial payment request information. At this time, the created partitioned payment participant registration room is linked to (or matched with) the identification information of the corresponding user device 100 and managed. Here, the partial payment participant registration room includes information such as a registered room name, a registration room unique number, and the number of partial payment maximum participants.

Also, the service providing apparatus 300 may transmit identification information of the plurality of user apparatuses 100 checked in the store where the identified POS terminal 400 is installed, information on the created divided payment participant registration room, (100).

For example, the service providing apparatus 300 creates a first divided payment participant registration room based on the divided payment request information of the first user apparatus. In addition, the service providing apparatus 300 may include identification information (e.g., telephone numbers of the first to tenth user apparatuses) of the first to tenth user apparatuses previously identified (or received) (For example, registration room name: A store-ABCD team, registration room unique number: A store - # 1001, partial payment maximum participants: 5 persons, etc.) to the first user device (S420).

The user device 100 may then identify the plurality of user devices 100 in the checked-in state in the store provided with the corresponding POS terminal 400 transmitted from the service providing device 300 in response to the previously- Information on the registered payment participant registration room, and the like.

In addition, the user device 100 displays identification information of the plurality of user devices 100 that are received. At this time, the user device 100 displays the identification information of the plurality of user devices 100 excluding the identification information of the user device 100 from among the identification information of the plurality of user devices 100.

Here, the user device 100 determines whether there is identification information of a user device stored (or registered) in the phone book (or address book) of the corresponding user device 100 among the identification information of the received plurality of user devices 100 Confirm (or judge).

If the identification information of one or more user devices 100 stored in the phone book of the user device 100 is found among the identification information of the plurality of user devices 100, (E.g., a name, a nickname, etc.) stored in the name item (or name item) of the corresponding phone book with respect to the identification information of one or more user devices 100 stored in the phone book of the phone book.

When the identification information of the plurality of user equipments 100 is displayed, the user device 100 stores the identification information of the user device 100 stored in the phone book of the user device 100, The name corresponding to the identification information may be displayed.

For example, the first user equipment may transmit the divided payment request information transmitted from the service providing apparatus 300 to the first to tenth user apparatuses in the checked-in state at the store A provided with the corresponding POS terminal 400, (For example, the telephone number of the first to tenth user devices), information on the created first divided payment participant registration room (for example, registered room name: A store-ABCD team, registration room unique number: A Store - # 1001, maximum number of participants in a partial payment: 5, etc.).

Further, the first user equipment may be a second user equipment, a fourth user equipment, a fifth user equipment, a sixth user equipment and a ninth user equipment registered in the telephone directory of the first user equipment among the identification information of the second to tenth user equipment. Identify the user device. Also, the first user device may have a name corresponding to each of the second user device, the fourth user device, the fifth user device, the sixth user device, and the ninth user device registered in the telephone directory (e.g., Corresponding to the fourth user device, corresponding to the fourth user device, corresponding to the fourth user device, and corresponding to the seventh user device, respectively).

7, the first user equipment displays identification information (e.g., telephone numbers of the second to tenth user equipment) 710 of the received second to tenth user equipment. At this time, the first user equipment is connected to the second user equipment, the fourth user equipment, the fifth user equipment, the sixth user equipment and the second user equipment registered in the telephone directory of the corresponding first user equipment among the telephone numbers of the second to tenth user equipment 9, the name registered in the corresponding phone book is displayed (720) instead of the telephone number for the user apparatus. In addition, the first user equipment displays (730) only some (e.g., telephone number station number and last four digits) of the telephone number of the third user equipment, the seventh user equipment, the eighth user equipment and the tenth user equipment, (S430).

Thereafter, the identification information of the plurality of user devices 100 (or the identification information of the plurality of user devices 100 excluding the identification information of the user device 100) displayed on the user device 100 100) is selected by the user's selection (or control) of the corresponding user device 100, the user device 100 may select at least one other user device 100 A payment settlement request signal, information on a registered payment participant registration room, and the like, respectively.

At this time, the user device 100 may directly transmit the divided payment participation request signal, information on the divided payment participant registration room, etc. to at least one other user device 100, To at least one other user device (100).

For example, when the second user device, the fourth user device, the fifth user device, and the ninth user device among the second to tenth user devices shown in FIG. 7 are selected, the first user device transmits a partial payment participation request signal And generates the divided payment participation request signal, information on the first divided payment participant registration room (for example, registered room name: A store-ABCD team, registration room unique number: A store- # 1001, Number of participants: 5, etc.) to the second user device, the fourth user device, the fifth user device, and the ninth user device, respectively (S440).

Thereafter, at least one other user device 100 receives a partial payment participation request signal transmitted from the user device 100 (or the service providing device 300), information on the partial payment participant registration room, and the like. At this time, at least one other user apparatus 100 may be a user apparatus in a check-in state in the same store where the corresponding user apparatus 100 is located.

In addition, each of the at least one other user device 100 displays the received partial payment participation request signal, information on the partial payment participant registration room, and the like.

For example, the fifth user equipment may receive a partial payment participation request signal transmitted from the first user device, information on the first divided payment participant registration room (for example, registered room name: A store-ABCD team, registration room unique number: A store-# 1001, and the maximum number of participants in the partial payment settlement: 5 persons, etc.), and receives the received divided payment participation request signal, information on the first divided payment participant registration room (for example, registered room name: (E.g., ABCD team, registered room unique number: A store - # 1001, maximum number of participants in a partial settlement: 5, etc.) (S450).

Thereafter, when at least one other user apparatus 100 wants to participate in the partial payment, the other user apparatus 100 accesses the service providing apparatus 300 based on the information on the previously registered partial payment participant registration room .

In addition, the other user device 100 can operate in conjunction with the service providing device 300 to perform a partial settlement process in the divided payment participant registration room included in (or corresponding to / corresponding to) As a part-time payment participant.

For example, when the second user device, the fourth user device, the fifth user device, and the ninth user device respectively intend to participate in the partial payment, the second user device, the fourth user device, the fifth user device, Each of the devices includes information about the first divided payment participant registration room (for example, registration room name: A store-ABCD team, registration room unique number: A store - # 1001, , It accesses the registered room unique number: A store - # 1001 provided by the service providing apparatus 300 and registers it as a partial payment participant for partial payment in the corresponding registration room. At this time, the first user device that has opened the corresponding registration room may be already registered as the partial payment participant (S460).

Thereafter, when a predetermined time has elapsed for the partial payment (or when all of the partial payment participant registrations are set in a plurality of user equipments corresponding to the number of partial payment maximum participants preset for partial payment), the service providing apparatus 300 Transmits to the POS terminal 400 a settlement related information request signal related to a plurality of user devices 100 participating in the partial settlement. Here, the payment related information request signal includes identification information of a plurality of user devices participating in the partial payment.

For example, if the first user device, the second user device, the fourth user device, the fifth user device, and the ninth user device corresponding to the number of participants set in advance for the partial payment, , The service providing apparatus 300 transmits a settlement related information request signal (for example, a request for a settlement related information request) related to the first user apparatus, the second user apparatus, the fourth user apparatus, the fifth user apparatus, (Including identification information of the first user device, identification information of the second user device, identification information of the fourth user device, identification information of the fifth user device, identification information of the ninth user device, etc.) (S470).

Then, the POS terminal 400 receives a payment related information request signal related to a plurality of user devices 100 participating in the partial payment transmitted from the service providing apparatus 300.

In addition, the POS terminal 400 responds to the payment related information request signal related to the plurality of user devices 100 participating in the partial payment, and transmits the payment card type (or payment card per user device) PIN number (or PIN number per user device), identification information of the user device 100 (or identification information of the user device of each user device), the corresponding user device (e.g., 100 to the service providing apparatus 300. The service providing apparatus 300 transmits the total payment amount for the goods or services selected by the user of the service providing apparatus 100,

For example, in response to the payment related information request signal transmitted from the service providing apparatus 300, the POS terminal 400 transmits a total payment amount (for example, 250,000 won) for the eleventh to thirteenth goods, (E.g., DD payment card for the first user device, AA payment card for the second user device, AA payment card for the fourth user device, (E.g., a BB payment card for the user device 5, a CC payment card for the 9th user device, etc.), a PIN number per user device (e.g., a first PIN number for the first user device, A PIN number for the fourth user device, a fifth PIN number for the fifth user device, a ninth PIN number for the ninth user device, etc.), identification information of the user device for each user device, Provided sheet And transmits the (300) (S480).

Thereafter, the service providing apparatus 300 transmits a payment related information request signal related to the plurality of user apparatuses 100 participating in the divided payment to the POS terminal 400, A PIN number (or a PIN number per user device) related to the user device 100, a type of a payment card related to the user device 100 (or a type of a payment card for each user device participating in a payment card type / (Or identification information of the user device for each user device), a total payment amount for the goods or services selected by the user of the corresponding user device 100, and at least one product information or service information to be settled.

In addition, the service providing apparatus 300 sets the contribution amount per participant based on the total payment amount and the number of the plurality of user apparatuses 100 participating in the partial settlement. At this time, the method of setting the contribution amount is a method of setting 1 / n (or evenly charged) based on the number of the plurality of user devices 100, a method of setting an actual payment amount (or a total payment amount) (Or the total payment amount) in the service providing apparatus 300, and then transmits the actual payment amount to the plurality of user apparatuses 100 (Or the total payment amount) of the user device, and receiving a contribution amount per user device transmitted in response to each user device. Here, the actual payment amount may be the same amount as the total payment amount if the benefit information is not applied to the total payment amount.

For example, the service providing apparatus 300 may receive a total payment amount (for example, 250,000 won) for the eleventh to thirteenth products transmitted from the POS terminal 400, product information for the eleventh to thirteenth products, (E.g., DD payment card for the first user device, AA payment card for the second user device, AA payment card for the fourth user device, BB payment card for the fifth user device, (E.g., a CC payment card for the ninth user device, etc.), a PIN number per user device (e.g., a first PIN number for the first user device, a second PIN number for the second user device, A fourth PIN number, a fifth PIN number for the fifth user device, a ninth PIN number for the ninth user device, etc.), identification information of the user device for each user device, and the like. In addition, the service providing apparatus 300 may include a first user apparatus, a second user apparatus, a fourth user apparatus, and a second user apparatus that participate in the partial payment for the total payment amount (for example, 250,000 won) for the eleventh to thirteenth products, (5, for example) of the user devices participating in the partial payment for the fifth user device and the ninth user device, an equal contribution of 50,000 KRW for each user device is set according to a preset equal burden .

As another example, the service providing apparatus 300 may be configured as a first user apparatus, a second user apparatus, a fourth user, and a third user apparatus that participate in the partial payment for the total payment amount (for example, 250,000 won) (Or 40% of the total payment amount) to the first user device and 50,000 won (or the total amount of money to the second user device) according to the pre-set sharing amount per user device for the device, the fifth user device, (Or 10% of the total payment amount) to the fourth user device, 25,000 won (or 10% of the total payment amount) to the fifth user device, and 50,000 won (or 20% 20% of the total payment amount) (S490).

Then, the service providing apparatus 300 transmits the merchandise information or service information to be settled, the contribution per participant, the card information corresponding to the PIN number per user apparatus, the user information, the benefit information, and the like to the payment server 500. 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 earned benefit information.

For example, the service providing apparatus 300 may be configured to transmit the goods information for the eleventh to thirteenth goods, the contribution per participant (for example, the same 50,000 won according to the equal burden), the first PIN corresponding to the first PIN The twelfth card information, the twelfth user information, the twelfth benefit information corresponding to the second PIN number of the second user device, and the twelfth card information, the twelfth user information, the twelfth benefit information, 14th card information, 14th user information, 14th benefit information corresponding to the 4 PIN number, 15th card information corresponding to the 5th PIN number of the 5th user device, 15th user information, 15th benefit information, The nineteenth card information, the nineteenth user information, the nineteenth benefit information, and the like corresponding to the ninth PIN of the ninth user device to the payment server 500 (S500).

Then, the payment server 500 receives the merchandise information or service information to be paid out from the service providing apparatus 300, card information corresponding to the contribution number per participant, card information corresponding to the user apparatus, user information, benefit information, do.

In addition, the payment server 500 performs a partial payment function for each participant's contribution for each of a plurality of user apparatuses based on the contribution amount per participant, card information corresponding to the PIN number per user apparatus, user information, benefit information, do. At this time, the payment server 500 adds the benefit amount corresponding to the benefit information transmitted from the service providing apparatus 300 (or the benefit information applicable to the user of the user apparatus 100) to the contribution contribution amount per participant Or the actual payment amount).

For example, the payment server 500 may receive the goods information for each of the eleventh to thirteenth goods transmitted from the service providing device 300, the contribution amount per participant (for example, the same 50,000 won according to the equal burden) The twelfth card information, the twelfth user information, and the twelfth benefit information corresponding to the first PIN number of the first user device, the twelfth card information, the twelfth user information, and the twelfth benefit information 14th user information, 14th benefit information corresponding to the 4th PIN number of the 4th user device, 15th card information corresponding to the 5th PIN number of the 5th user device, Information, 15th benefit information, 19th card information corresponding to the ninth PIN of the ninth user device, 19th user information, 19th benefit information, and the like.

In addition, the payment server 500 transmits a first benefit amount corresponding to the corresponding 11th benefit information (for example, a payment amount of 50,000 won or more with a DD payment card) to the participation contribution amount (for example, 50,000 won) (For example, 45,000 won) to which a 10% discount is applied, and a payment function corresponding to the 12th benefit information for a participation contribution amount (for example, 50,000 won) for the second user device (For example, 45.00 won) to which a second benefit amount (for example, 10% discount when paying 50,000 won or more with an AA payment card) is applied, and the fourth user device 14% benefit amount corresponding to the 14th benefit information (for example, 10% discount and 4% additional charge when paying 50,000 won or more with AA payment card) for participation contribution (for example, 50,000 won) 3 For actual payment amount (for example, $ 45) And performs a payment function for the fourth actual payment amount (for example, 50,000 won) without applying the benefit to the participation contribution (for example, 50,000 won) for the fifth user device, The fifth actual payment amount (for example, 50,000 won) to which the 19th benefit amount corresponding to the 19th benefit information (for example, 10% of the 50,000 won or more payment with the CC payment card) is applied For example, 50,000 won), respectively. In addition, the payment server 500 receives the 14th benefit point (for example, 2,000 won) according to the 14th benefit information (for example, 10% discount and 4% 4 earned points (for example, 5,000 won) according to the 19th benefit amount (for example, 10% earned when paying 50,000 won or more with a CC payment card) (Or provides) it to the device (S510).

Then, the payment server 500 transmits the result of performing the payment function for each user device (or payment information for each user device) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the result of performing the payment function for each user device (or the payment information for each user device) includes a product name (or a service name), a product unique code (or service unique code), a unit price, a quantity, Amount (or total payment amount), settlement date and time information, payment card type, and the like.

In this case, when the accumulation point accumulated according to the execution of the payment function occurs, the payment server 500 transmits the accumulation point information for each user apparatus to the POS terminal 400, , The service providing apparatus 300, or the like.

For example, the payment server 500 may include a result of performing a first payment function related to the first user device, a result of performing a second payment function related to the second user device, a result of performing a third payment function related to the fourth user device, The third payment point information related to the user device (for example, including the actual payment amount / 2,000 points corresponding to the 4% accumulation of the total payment amount), the fourth payment function related to the fifth user device, Fifth paying point information related to the ninth user apparatus (for example, 5,000 won corresponding to the actual payment amount / 10% of the total payment amount) as a result of performing the fifth payment function related to the user apparatus, The terminal 400, the service providing apparatus 300 or the like (S520).

Thereafter, after the respective payment functions for the plurality of user devices 100 are normally performed, the service providing device 300 transmits a payment function result (or payment information per user device) ), Earning point information on the performance of a payment function for each user device, and the like.

Also, the service providing apparatus 300 transmits to each of the plurality of user apparatuses 100 participating in the partial payment, as a result of performing the settlement function, information on the accumulation point of the settlement function, and the like.

In addition, each of the plurality of user equipments 100 receives the settlement function result transmitted from the service providing apparatus 300, the accumulation point information according to the settlement function execution, and the like. As a result of the received settlement function execution, Point information, and the like.

For example, the service providing apparatus 300 may receive a result of performing a first payment function related to the first user apparatus, which is a result of performing partial payment on the eleventh to thirteenth goods transmitted from the payment server 500, As a result of the execution of the second payment function related to the fourth user apparatus, the third payment function information related to the fourth user apparatus, the third payment point information related to the fourth user apparatus (e.g., corresponding to the actual payment amount / 4% The result of performing the fourth payment function related to the fifth user device, the result of performing the fifth payment function related to the ninth user device, the fifth accumulated point information related to the ninth user device (e.g., And 5,000 won corresponding to 10% of total payment amount / total payment amount). Also, the service providing apparatus 300 transmits the first payment function execution result to the first user apparatus, transmits the second payment function execution result to the second user apparatus, and the third payment function execution result and the third payment point Information to the fourth user device, transmits the fourth payment function execution result to the fifth user device, and transmits the fifth payment function execution result and the fifth payment point information to the ninth user device, respectively.

In addition, the first user device displays a result of performing the first payment function transmitted from the service providing device 300, the second user device displays a result of performing the second payment function transmitted from the service providing device 300, The third user equipment displays the third payment function execution result and the third payment point information transmitted from the service providing apparatus 300 and the fourth user apparatus displays the fourth payment function execution result transmitted from the service providing apparatus 300 And the ninth user device displays the fifth payment function execution result and the fifth accumulation point information transmitted from the service providing apparatus 300 (S530).

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 can effectively select a participant who participates in the partial payment among the user information that visited the actual store when performing the partial payment, and can easily select the participant of the partial payment service.

In addition, as described above, the embodiment of the present invention displays information about one or more user devices existing in the phone book of the user device among a plurality of user devices checked in the store at the time of partial payment, The service provider registers the contribution to each participant from the user who participates in the partial payment at the time of partial payment in each service, The POS terminal, and the payment server in accordance with the contribution amount for each participant and the payment means information for each participant to perform a payment function by interlocking with the user device, the POS terminal, and the payment server, The same beacon area as the user existing in the telephone directory of And to enable the filtering information for the other users, the number of lines because the user list can be further easily selected participants.

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 effectively selects a participant participating in a partial settlement among user information that visited a real shop when performing a partial settlement, and can easily select a participant of the partial settlement service. The simple settlement field, the advertisement field, A user terminal, a POS terminal, a payment server, and the like.

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)

A plurality of user apparatuses visiting a store equipped with a POS terminal and maintaining a check-in state;
Wherein the POS terminal manages a payment card type per user device, a PIN number per user device, and identification information of a user device for each user device related to a plurality of user devices maintaining the check-in state, and recognizes one or more items to be settled;
When the first user equipment included in the plurality of user equipments desires to perform partial payment for one or more goods, the plurality of the plurality of check items, which are checked in the POS terminal based on the divided payment request information transmitted from the first user equipment, The method comprising the steps of: identifying identification information of a plurality of user apparatuses associated with the user apparatus of the first user apparatus, creating a partial payment participant registration room for partial payment related to the first user apparatus, A service providing device for providing identification information of a plurality of user devices related to the device and information on the created divided payment participant registration room to the first user device; And
A display unit for displaying identification information of a plurality of user apparatuses checked in to the POS terminal transmitted from the service providing apparatus and transmitting a divided payment participation request signal to at least one other user apparatus selected from identification information of the plurality of user apparatuses displayed; And a first user device for transmitting information about the partial payment participant registration room. The method according to claim 1,
Wherein the information on the divided payment participant registration room includes at least one of a registered room name, a registered room unique number, and a maximum number of partial payment participants. The method according to claim 1,
Wherein the first user equipment comprises a plurality of user equipments, wherein when there is identification information of the user equipments stored in the telephone directory of the first user equipments among the identification information of the plurality of user equipments, Identifies the name stored in the name item of the telephone directory with respect to the identification information, and displays the confirmed name instead of the identification information of the one or more user apparatuses. The method according to claim 1,
Wherein the at least one other user device registers as a partial payment participant by interlocking with the service providing device based on information on the partial payment participant registration room transmitted from the first user device. 5. The method of claim 4,
When all of the plurality of user equipments corresponding to the number of the partial payment maximum participants set for the partial payment are all set in the state of setting up the partial payment participant registration, Related information request signal transmitted from the POS terminal in response to a payment related information request signal related to the plurality of user apparatuses, Type, a PIN number per user device, identification information of the user device by the user device, a total payment amount for the product selected by the user of the first user device, and at least one item of goods to be settled, Based on the number of user devices participating in Payment system which comprises setting the dip. 6. The method of claim 5,
The service providing apparatus transmits the at least one item of merchandise to be settled, the contribution per set participant, the card information corresponding to the PIN number per user apparatus, the user information and the benefit information,
Each of the plurality of user apparatuses performs a partial payment function for the contributions per participant based on the contributions per participant transmitted from the service providing apparatus, the card information corresponding to the PIN number of each user apparatus, the user information, and the benefit information, Further comprising a payment server for transmitting a result of performing a payment function for each device to the plurality of user devices via the service providing device. A PIN number, and identification information of a user apparatus, which are respectively transmitted from the plurality of user apparatuses, to a plurality of user apparatuses visited at a store provided with the POS terminal through a POS terminal, Maintaining a check-in state for easy settlement of the device;
When a preset menu on an application installed in advance in the first user device is selected through the first user device included in the plurality of user devices to perform a partial payment function for one or more goods, Transmitting identification information of the first user equipment;
Confirming identification information of a plurality of user apparatuses related to the plurality of user apparatuses checked in the POS terminal based on the divided payment request information by interworking with the POS terminal through a service providing apparatus;
Creating a partial payment participant registration room for partial payment related to the first user device based on the partial payment request information through the service providing device;
The identification information of a plurality of user apparatuses checked in the POS terminal identified in response to the divided payment request information and information on the created divided payment participant registration room in response to the divided payment request information, ;
Transmitting to the at least one other user device selected from among the identification information of the plurality of user devices checked in the POS terminal, information on the divided payment participation request signal and information on the divided payment participant registration room through the first user device ; And
Performing a partial payment participation registration procedure by interworking with the service providing apparatus based on the information on the partial payment participant registration room through the at least one other user apparatus. 8. The method of claim 7,
Transmitting a settlement related information request signal related to the plurality of user apparatuses participating in the partial settlement to the POS terminal when a predetermined time elapses through the service provision apparatus;
A payment card type per user device, a PIN number per user device, identification information of a user device by a user device, and a product selected by a user of the first user device, which are related to a plurality of user devices participating in the partial payment, And transmitting at least one item of goods to be paid to the service providing apparatus;
Setting an amount of contribution for each participant based on a total payment amount transmitted from the POS terminal and a number of user devices participating in partial payment through the service providing device;
Transmitting to the service providing apparatus at least one item of goods to be settled, an attribution for each set participant, card information corresponding to a PIN number per user apparatus, user information, and benefit information;
A settlement server, a payment function for the contributions per participant for each of a plurality of user equipments based on the contributions per participant transmitted from the service providing apparatus, the card information corresponding to the PIN numbers per user apparatus, the user information and the benefit information, Respectively;
Transmitting, through the payment server, a result of performing a payment function for each user device to the plurality of user devices through the service providing device; And
Further comprising the step of displaying a result of performing a payment function for each user device through the plurality of user devices. 8. The method of claim 7,
The step of confirming the identification information of the plurality of user apparatuses related to the plurality of user apparatuses checked in the OS terminal,
Wherein the POS terminal provides only the identification information of one or more user apparatuses located within the communication range of the POS terminal to the service providing apparatus. 10. A recording medium on which a computer program for performing the method according to any one of claims 7 to 9 is recorded.
KR1020150147766A 2015-09-21 2015-10-23 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon KR20170047537A (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
KR1020150147766A KR20170047537A (en) 2015-10-23 2015-10-23 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
US15/261,064 US20170083889A1 (en) 2015-09-21 2016-09-09 User equipment, service providing device, pos terminal, payment system including the same, control method thereof, and non-transitory computer readable storage medium storing computer program recorded thereon
CN201610827057.8A CN106934614B (en) 2015-09-21 2016-09-14 Payment apparatus, payment system and control method thereof

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020150147766A KR20170047537A (en) 2015-10-23 2015-10-23 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon

Publications (1)

Publication Number Publication Date
KR20170047537A true KR20170047537A (en) 2017-05-08

Family

ID=60163992

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020150147766A KR20170047537A (en) 2015-09-21 2015-10-23 User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon

Country Status (1)

Country Link
KR (1) KR20170047537A (en)

Similar Documents

Publication Publication Date Title
CN106934614B (en) Payment apparatus, payment system and control method thereof
KR102470816B1 (en) User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102382621B1 (en) Shopping mall service providing apparatus and method for supporting the recommendation of product based on benefit, and computer readable medium having computer program recorded thereon
EP3139319A1 (en) Service providing device for cancelling ticket, ticket cancel guide system comprising the same, control method thereof and non-transitory computer readable storage medium having computer program recorded thereon
KR102431306B1 (en) User equipment, service providing device, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR102653740B1 (en) User equipment, service providing device and POS terminal for card divisible payment considering result achievement, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR102616289B1 (en) Terminal, POS terminal, beacon management server, beacon signal transmitter, troupe management server for confirming troupe using beacon, system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR20170024720A (en) User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR102580848B1 (en) User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR101958922B1 (en) System for searching member store of counseling service based on text, method thereof and computer readable medium having computer program recorded thereon
KR20170050233A (en) User equipment, service providing device, beacon, advertisement system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR20170019760A (en) User equipment, service providing device, online shopping mall server, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR20180122154A (en) Shopping mall service providing apparatus for supporting conditional purchase confirmation, shopping mall service providing system and method including the same, and computer readable medium having computer program recorded thereon
KR20180122153A (en) Shopping mall service providing apparatus for providing mileage guidance, a shopping mall service providing system and mileage guidance service providing method including the same, and computer readable medium having computer program recorded thereon
KR20170019759A (en) User equipment, service providing device, goods recommendation server, goods recommendation system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
KR20180034912A (en) Apparatus for order having notification function of promotion, product ordering system and method using the same and computer readable medium having computer program recorded thereon
KR20170047537A (en) User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR102601743B1 (en) Apparatus for order having notification function of delivery, system and method for ordering goods using the same and computer readable medium having computer program recorded thereon
KR20170039463A (en) User equipment, beacon, service providing device, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR20170035251A (en) User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR20170050232A (en) User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon
KR102461023B1 (en) User equipment, service providing device, POS terminal, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor
US20170345045A1 (en) Terminal, server, pos terminal for providing benefit about products using admission number of credit card, payment system comprising the same, control method thereof, and non-transitory computer readable storage medium having computer program recorded thereon
KR20180133124A (en) System for accumulating point using virtual account that enables point accumulation without app login, method thereof and computer readable medium having computer program recorded thereon
KR20170079049A (en) User equipment, service providing device, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon