KR20170050895A - Apparatus and method for servicing payment using pos gateway identifier - Google Patents

Apparatus and method for servicing payment using pos gateway identifier Download PDF

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KR20170050895A
KR20170050895A KR1020150152992A KR20150152992A KR20170050895A KR 20170050895 A KR20170050895 A KR 20170050895A KR 1020150152992 A KR1020150152992 A KR 1020150152992A KR 20150152992 A KR20150152992 A KR 20150152992A KR 20170050895 A KR20170050895 A KR 20170050895A
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South Korea
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settlement
payment
unique identifier
identifier information
information
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KR1020150152992A
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Korean (ko)
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KR101822457B1 (en
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윤경용
안경훈
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주식회사 얍컴퍼니
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/08—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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices

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

Abstract

The present invention relates to an apparatus and method for providing a payment service using a POS gateway identifier capable of providing a payment service using unique identifier information of a gateway through which a POS terminal communicates, An interface providing an interface for inputting unique identifier information of a POS gateway that communicates for settlement; a connection unit for connecting to the POS gateway based on the unique identifier information input through the interface; A settlement request unit for transmitting the settlement information to the gateway and requesting settlement; and a settlement processing result providing unit for receiving the settlement processing result according to the settlement request from the POS gateway and displaying the settlement result on the display unit. It provides a payment service provider apparatus using a teuweyi identifier.

Description

[0001] APPARATUS AND METHOD FOR SERVICE PAYMENT USING POS GATEWAY IDENTIFIER [0002]

The present invention relates to an apparatus and method for providing a settlement service using a POS gateway identifier capable of providing a settlement service using unique identifier information of a gateway through which a POS terminal communicates.

In recent years, the number of subscribers to mobile phone networks has greatly increased globally, and mobile communication terminals providing only simple voice communication functions by means of technological progress and functions have evolved into mediums that provide various types of information and services. As a result, the mobile information society is developing, and personal and regional services are becoming increasingly important. These " CA (Context-Aware) "mobile phones are used at low power with suitable short range base stations, such as shopping malls, to provide location-specific information. This information may include local maps, information about shops and restaurants, and so on. This information is often sent free of charge, but it may be that the user is paying for the data services (e.g., updating the sports score, downloading new ringing tone of the mobile phone). The payment for such goods and services may be made by conventional methods such as sending a check or credit card authorization, or by tele-banking or direct debit arrangements, It has been recognized that an automated payment system may be beneficial.

As described above, there is a growing interest in Fin-Tech technology in accordance with the development and dissemination of mobile communication technology. PinTech is a technology that enables payment by mobile devices without cash and cards, including payment systems that combine IT companies and finance, and various types of payment services are currently under study.

Korean Patent Publication No. 2007-0014380 (published on Feb. 1, 2007)

The present invention provides an apparatus and method for providing a settlement service using a POS gateway identifier that can facilitate the user's convenience in settlement by performing settlement with a mobile terminal using only the identifier information of the POS gateway communicating with the POS terminal in the store do.

Further, the present invention can be applied to a POS terminal in which a POS terminal broadcasts unique identifier information of a POS gateway in a store using a beacon signal, and a mobile terminal using the POS gateway identifies a settlement using a POS gateway identifier A service providing apparatus and method are provided.

It is to be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

As a technical means for accomplishing the above technical object, an apparatus for providing a settlement service using a POS gateway identifier according to an embodiment of the present invention includes settlement information and unique identifier information of a POS gateway through which the POS terminal provided from the outside communicates for settlement A gateway for accessing the POS gateway based on the unique identifier information input through the interface, and a controller for transmitting the payment information to the connected POS gateway and requesting payment And a payment processing result providing unit for receiving the payment processing result according to the payment request from the POS gateway and displaying the received payment processing result on the display unit.

According to an embodiment of the present invention, the payment service providing apparatus further includes an information receiving unit for receiving the unique identifier information of the POS gateway from the POS terminal.

According to the embodiment of the present invention, the information receiving unit receives the beacon signal for payment including the unique identifier information broadcasted by the force terminal using either Bluetooth LE or Wi-Fi, The interface providing unit extracts the unique identifier information from the signal and provides the interface providing unit with an interface through which the payment information set with the unique identifier information can be input.

According to an embodiment of the present invention, the payment beacon signal is an ultrasonic signal, a wireless signal in a Wi-Fi frequency band, or a wireless signal in a Bluetooth LE band.

According to the embodiment of the present invention, the unique identifier information in the code is automatically input to the interface provided by the interface providing unit according to the reading of the code including the unique identifier information.

According to another aspect of the present invention, there is provided a method of providing a payment service using a POS gateway identifier in a mobile terminal connected to a POS terminal in a store and a local area wireless network, Providing a settlement service providing apparatus using the POS gateway identifier for inputting settlement information and unique identifier information of a POS gateway through which the POS terminal provided for external communication communicates for settlement; Accessing the POS gateway on the basis of the unique identifier information in response to the input of the settlement information; transmitting the settlement information to the connected POS gateway to request settlement; in Received site and characterized by including the step of displaying on the display unit.

According to an embodiment of the present invention, the payment service providing method may further include receiving a payment beacon signal including the unique identifier information broadcasted by the force terminal, receiving unique identifier information from the received payment beacon signal, Wherein the step of providing the interface provides an interface through which the payment information set with the unique identifier information can be input.

According to an embodiment of the present invention, the step of providing the interface may provide an interface in which the unique identifier information in the code is automatically input according to the reading of the code including the unique identifier information.

The above-described task solution is merely exemplary and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and the detailed description of the invention.

According to any one of the above-mentioned objects of the present invention, the settlement is performed to the mobile terminal using only the identifier information of the POS gateway communicating with the in-store POS terminal, so that it is necessary to move to the area where the POS terminal in the store is installed It is possible to enhance the convenience of the user for payment.

In addition, according to the present invention, the POS terminal broadcasts the unique identifier information of the POS gateway in a store using a beacon signal, and the mobile terminal that receives the unique identifier information accesses the POS gateway and provides a settlement service, Can be implemented.

According to any one of the above-mentioned objects of the present invention, settlement can be simplified by executing a settlement processing apparatus automatically by using a beacon signal and proceeding settlement.

FIG. 1 is a diagram illustrating an overall configuration of a POS gateway identifier based payment service providing system according to an embodiment of the present invention. Referring to FIG.
2 is a detailed block diagram illustrating an internal configuration of a payment service providing apparatus in a mobile terminal according to an embodiment of the present invention.
3 is a flowchart illustrating a process of a payment service providing apparatus according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification of the present invention, when a part is referred to as "including " an element, it is understood that it may include other elements as well, without excluding other elements unless specifically stated otherwise.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the present disclosure are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "used in the specification of the present invention does not mean" step for.

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware. In the present description, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram illustrating an overall configuration of a POS gateway identifier based payment service providing system according to an embodiment of the present invention. Referring to FIG.

1, a settlement service providing system includes a POS terminal 110 installed in a specific space where a short-range wireless network 120 is formed, for example, a store 100, a POS terminal 110 and a short- And a mobile terminal 130 connected to the POS gateway 160 through a mobile communication network 150. [

(2G) wireless network (e.g., a CDMA mobile communication system), a third generation (3G) wireless network (e.g., a WCDMA mobile communication system and the like), a fourth generation (4G) wireless network (e.g., LTE mobile communication system), and a next generation wireless network of the future, or a wireless network including a combination of at least two or more wireless networks.

The POS terminal 110 may be connected to the POS gateway 160 through a wired / wireless network and may be connected to various payment companies to provide a payment service.

On the other hand, the force terminal 110 may output a code including unique identifier information of the force gateway 160. Specifically, the force terminal 110 can slip a bar code, a QR code, and numeric information corresponding to unique identifier information of the force gateway 160, for example, output a slip.

Particularly, the POS terminal 110 according to the embodiment of the present invention is installed in the store 100 and stores a unique identifier of the POS gateway 160 that can be connected to the POS gateway 160 within a predetermined radius, It is possible to broadcast a beacon signal for payment including information. To this end, the force terminal 110 according to the embodiment of the present invention includes a beacon generator 112 for generating a beacon signal for payment including unique identifier information of a previously registered force gateway 160 and broadcasting it, And a wireless communication module 114.

In the embodiment of the present invention, the short-range wireless communication module 114 in the force terminal 110 may use either a Bluetooth LE or a module capable of performing Wi-Fi communication.

The beacon signal for payment may be any one of an ultrasonic signal, a wireless signal in the Bluetooth LE band, and a wireless signal in the Wi-Fi band.

The POS gateway 160 performs settlement based on the settlement request from the POS terminal 110 in cooperation with the settlement company (not shown), and interlocks with the settlement company based on the settlement request of the mobile terminal 130 You can make payments through. Also, the POS gateway 160 may transmit the processing result, that is, the settlement processing result, to the POS terminal 110 and the mobile terminal 130 after performing settlement.

Meanwhile, in the embodiment of the present invention, the POS gateway 160 can transmit the settlement processing result to the POS terminal 110 and the mobile terminal 130 using various types of codes such as a bar code, a QR code, and the like.

The mobile terminal 130 provides an interface for inputting settlement information and unique identifier information of the POS gateway 160 for a payment request and transmits the unique identifier information input through the interface to the POS terminals The user terminal 110 may access the POS gateway 160 in communication and transmit payment information to request payment.

In addition, the mobile terminal 130 provides an interface through which billing information can be input as the billing beacon signal broadcasting from the force terminal 110 is received, (160), and then transmits the payment information inputted through the interface to the connected POS gateway (160) to request payment.

In an embodiment of the present invention, the unique identifier information may be the MAC address of the POS gateway 160, but is not limited thereto.

On the other hand, the mobile terminal 130 can receive the settlement processing result from the POS gateway 160 after transmitting the settlement information, and display it on a predetermined display device (not shown).

The mobile terminal 130 according to the embodiment of the present invention may include a payment service providing apparatus 140 for providing the settlement service as described above.

In the embodiment of the present invention, the payment service providing apparatus 140 may be stored in a form executable on a recording medium and may operate in response to a beacon signal for payment or on the request of a user. The specific configuration and operation of the settlement service providing apparatus 140 will be described with reference to FIG. 2 to FIG.

The mobile terminal 130 may be a personal communication system (PCS), a global system for mobile communication (GSM), a personal digital cellular (PDC) (PHS), a PDA (Personal Digital Assistant), an IMT (International Mobile Telecommunication) -2000, a CDMA (Code Division Multiple Access) -2000, a W-CDMA ) Handheld based wireless communication devices such as mobile phones, handsets, smartphones, smart pads, tablet PCs, and the like.

FIG. 2 is a detailed block diagram illustrating the internal configuration of the payment service providing apparatus 140 in the mobile terminal 130 according to the embodiment of the present invention.

2, the payment service providing apparatus 140 includes an interface providing unit 210, a connection unit 220, a payment request unit 230, a payment processing result providing unit 240, a display unit 250, A receiving unit 260, and the like.

The interface providing unit 210 provides an interface for inputting unique identifier information and payment information of the POS gateway 160 through which the force terminal 110 in the store 100 communicates and transmits the unique identifier information To the connection unit 220 and to provide the payment information to the payment request unit 230. The payment information may include a payment amount, a payment date, a payment method, and the like.

Meanwhile, unique identifier information may be input to the interface for inputting the unique identifier information provided by the interface providing unit 210 according to the embodiment of the present invention, based on the reading of the code. Specifically, when a QR code, a bar code, or the like is read by the mobile terminal 130, the QR code automatically read and the unique identifier information in the bar code can be input on the interface provided by the interface provider 210.

Meanwhile, the interface providing unit 210 according to the embodiment of the present invention may execute an operation based on a user's operation, that is, a payment request, and provide an interface through which information can be input on the display unit 250 of the mobile terminal 130 .

The connection unit 220 can access the POS gateway 160 through the mobile communication network 150 using the unique identifier information input through the interface providing unit 210. Specifically, the connection unit 220 can access the POS gateway 160 using the MAC address, which is unique identifier information.

The payment request unit 230 may transmit the payment information inputted on the interface provided by the interface providing unit 210 to the POS gateway 160 to request payment.

The settlement processing result providing unit 240 can display the settlement processing result in response to the settlement request from the force gateway 160 on the display unit 250. Specifically, the settlement processing result providing unit 250 can display the settlement processing result including the settlement success and the settlement amount on the display unit 250.

Meanwhile, the payment service providing apparatus 140 according to the embodiment of the present invention may further include an information receiving unit 260. The information receiving unit 260 may operate the interface providing unit 210 based on the unique identifier information in the received beacon signal upon receiving the payment beacon signal broadcasting from the force terminal 110. [ Accordingly, the interface providing unit 210 can display on the display unit 250 an interface for inputting the payment information set with the unique identifier information.

The information receiving unit 260 may receive a beacon signal for payment through a short-range wireless network 120 such as a Wi-Fi or a Bluetooth LE.

A process of the settlement service providing apparatus 140 having the above-described configuration to perform settlement will be described with reference to FIG.

FIG. 3 is a flowchart illustrating a process of a settlement service providing apparatus 140 according to an embodiment of the present invention.

3, when a payment request is received from the user (S300), the payment service providing apparatus 140 of the mobile terminal 130 can input unique identifier information and payment information of the POS gateway 160 (S302).

When the unique identifier information and payment information are input through the interface at step S304, the payment service providing apparatus 140 transmits the unique identifier information and the payment information to the POS terminal 160, that is, the force terminal 110 in the store 100, (S306), and transmits settlement information to the connected force gateway 160 to request payment (S308). Accordingly, the POS gateway 160 can perform settlement based on the settlement information.

Thereafter, the settlement service providing apparatus 140 determines whether the settlement processing result is received from the force gateway 160 (S310).

As a result of the determination in S310, when the settlement processing result is received, the settlement service providing apparatus 140 displays the settlement processing result on the display unit 250 (S312). Accordingly, the user can confirm whether or not his / her payment contents, that is, the payment information inputted through the interface, is correct.

On the other hand, the payment service providing method as described above can also be implemented in the form of a recording medium including instructions executable by a computer such as a program module executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: Store
110: POS terminal
120: Short-range wireless network
130: mobile terminal
140: Payment service providing device
150: mobile communication network
160: Force Gateway
210: interface provisioning
220: Connection
230:
240: Result of settlement processing
250:
260: Information receiving unit

Claims (10)

An interface providing an interface capable of inputting settlement information and unique identifier information of a force gateway through which the force terminal provided from the outside communicates for settlement;
A connection unit for accessing the POS gateway based on unique identifier information input through the interface;
A settlement request unit for transmitting the settlement information to the connected force gateway to request settlement;
And a payment processing result providing unit for receiving a payment processing result according to the payment request from the POS gateway and displaying the received payment processing result on a display unit. The method according to claim 1,
The payment service providing apparatus includes:
Further comprising an information receiver for receiving the unique identifier information of the force gateway from the force terminal. 3. The method of claim 2,
Wherein the information receiver comprises:
Receiving a beacon signal for payment including the unique identifier information broadcast by the force terminal using either Bluetooth LE or Wi-Fi, extracting the unique identifier information from the received beacon signal for payment, Provided to study,
The interface providing unit,
And provides the interface for inputting the payment information set with the unique identifier information. The method of claim 3,
The beacon signal for payment includes:
An ultrasonic signal, a wireless signal in a Wi-Fi frequency band, or a wireless signal in a Bluetooth LE band. The method according to claim 1,
In the interface provided by the interface providing unit,
And the unique identifier information in the code is automatically input according to the reading of the code including the unique identifier information. A method of providing a payment service for a mobile terminal connected to a POS terminal in a store and a local area wireless network,
Providing a settlement service providing apparatus using the POS gateway identifier for inputting settlement information and unique identifier information of a POS gateway through which the POS terminal provided for external communication communicates for settlement;
Accessing the POS gateway based on the unique identifier information as the unique identifier information is input;
Transmitting the settlement information to the connected force gateway and requesting settlement;
And receiving the settlement processing result according to the settlement request from the POS gateway and displaying the settlement result on the display unit. The method according to claim 6,
The payment service providing method includes:
Receiving a payment beacon signal including the unique identifier information broadcast by the force terminal;
Further comprising extracting the unique identifier information from the received beacon signal for payment,
Wherein providing the interface comprises:
And providing the interface with which the payment information set with the unique identifier information can be input. 8. The method of claim 7,
The beacon signal for payment includes:
An ultrasonic signal, a wireless signal in a Wi-Fi frequency band, or a wireless signal in a Bluetooth LE band. The method according to claim 1,
Wherein providing the interface comprises:
And providing the interface in which the unique identifier information in the code is automatically input according to the reading of the code including the unique identifier information. A mobile terminal comprising a computer-readable recording medium storing a program for causing a computer to execute the method of any one of claims 6 to 9.
KR1020150152992A 2015-11-02 2015-11-02 System and method for servicing payment using pos gateway identifier KR101822457B1 (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190009078A (en) 2017-07-18 2019-01-28 주식회사 에스원 Security system for detecting a resident by using verification technology of ultrasound signal

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190009078A (en) 2017-07-18 2019-01-28 주식회사 에스원 Security system for detecting a resident by using verification technology of ultrasound signal

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