KR20170089174A - Method for payment between buyer's mobile device and seller's mobile device on offline store - Google Patents

Method for payment between buyer's mobile device and seller's mobile device on offline store Download PDF

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KR20170089174A
KR20170089174A KR1020160009242A KR20160009242A KR20170089174A KR 20170089174 A KR20170089174 A KR 20170089174A KR 1020160009242 A KR1020160009242 A KR 1020160009242A KR 20160009242 A KR20160009242 A KR 20160009242A KR 20170089174 A KR20170089174 A KR 20170089174A
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payment
mobile device
code
merchant
seller
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KR1020160009242A
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홍창민
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(주) 애니모비
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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
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific programs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0212—Chance discounts or incentives
    • H04N5/2257—
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

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  • Accounting & Taxation (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a credit card payment method between a purchaser mobile and a seller mobile in an offline store for providing convenient simple payment method to a purchaser and a seller. According to the present invention, a purchaser no longer need to have a physical card like a credit card. A seller does not need to have a terminal for reading information from a magnetic card or an IC card. Therefore, the present invention comprises: a payment service server providing a simple payment service; a purchaser mobile device displaying a payment code; and a seller mobile device installed in a payment application provided by the payment service server, and requesting payment approval by using the payment code and a member store code.

Description

METHOD FOR PAYMENT BETWEEN BUYER'S MOBILE DEVICE AND SELLER'S MOBILE DEVICE ON OFFLINE STORE

The present invention relates to a payment method in an offline store.

In general, in-store shops make payments using credit cards. The purchaser presents the credit card, and the seller reads the IC medium or the magnetic card information of the credit card using the payment terminal (for example, the POS terminal). Then, the payment terminal communicates with the credit card company and obtains approval for payment of the card. Recently, mobile payments are improving on this basic approach. By loading the credit card information on the smartphone, even if there is no real credit card, the payment is made only by the short distance communication of the payment terminal of the smartphone and the merchant. As prior arts of this type, Apple Pay, Google Wallet, Samsung Pay, and the like are known.

However, this improved prior art is useless if the smartphone does not have credit card information. If the payment terminal of the merchant can not receive the credit card information from the seller's point of view, payment can not be performed. Likewise, if there is no credit card and no cash, buyers can not buy things. This situation seems to be rare. However, this can happen for foreign travelers who come from countries that use completely different payment systems.

For example, a Chinese company, Tencent, offers mobile easy payment services through Mobile Messenger WiChat TM . You can register your credit card in advance and use a password-like code that can use the credit card. It is possible to make mobile easy settlement by using the witchet code for payment in mobile messenger. However, mobile devices do not have credit card information. In this case, the payment terminal of the merchant has no way of recognizing the buyer's payment code. In the end, the problem is that Chinese travelers can not use the universal payment method in their country at all in Korea. Ali Pei and Union Peak used in Alibaba were analyzed as well.

It is necessary to develop a solution to the above problems on the assumption that the number of Chinese travelers will increase further or that mobile simple payment technology such as Tenpei will be developed and distributed in various countries including Korea. In the simplest case, a method may be adopted in which the settlement terminal of the seller store (that is, the credit terminal of the credit card company franchisee) recognizes the settlement code. However, in such a case, there arises a problem that all merchant terminals need to be replaced. Industrial use is inferior in terms of time and cost.

The inventor of the present invention has endeavored to solve such a problem in an industrial field, and finally the present invention has been completed.

It is an object of the present invention to provide a simple payment system and method which are convenient for both a buyer and a seller. Buyers no longer need to carry real cards like credit cards. The seller does not need to have a terminal for reading information from the magnetic card or the IC card. In the simple payment system of the present invention, a payment application for simple payment is installed in the seller mobile device, and a payment code is displayed in the buyer mobile device. The billing code replaces the buyer's credit card, and the billing application reads the billing code and proceeds with the settlement process.

It is also an object of the present invention to provide an off-line easy settlement solution for a buyer using a smartphone. Buyers do not need to install security applications for secure or secure payments. No certificate is required. Particularly, in the preferred embodiment, instead of installing a separate application for payment, various offline settlements can be performed by using a payment code generation function, which is an additional function included in the instant messenger installed in the smart phone of the user.

On the other hand, other unspecified purposes of the present invention will be further considered within the scope of the following detailed description and easily deduced from the effects thereof.

In order to achieve the above object, a first aspect of the present invention is a credit card payment method between a buyer mobile and a seller mobile in an offline store,

The purchaser mobile device presents the billing code registered in advance on the mobile screen and recognizes the payment code of the purchaser mobile device without using the payment reader of the POS terminal of the merchant merchant,

(a) executing a payment application preinstalled in a merchant mobile device;

(b) inputting merchandise information to the merchant mobile device;

(c) the buyer mobile device displaying the buyer's payment code;

(d) the merchant mobile device recognizing the payment code;

(e) the merchant mobile device transmits a settlement request including a payment code and a merchant code of a seller to a payment gateway (PG);

(f) verifying the validity of the payment request through the payment service server; And

(g) sending the payment approval to the merchant mobile device by the payment agent server.

In a preferred embodiment of the present invention, the merchant mobile device comprises a payment application provided by a payment service server; And

And the merchant mobile device authenticates the payment service server and receives the merchant code.

In a preferred embodiment, the step of displaying the billing code of the present invention

The purchaser mobile device being a smartphone executing an application and requesting the payment service server to generate a payment code;

Generating a payment code by the payment service server and transmitting the payment code to the buyer mobile device; And

And displaying the payment code received on the screen of the smartphone.

In a preferred embodiment, the step of recognizing the payment code of the present invention comprises the steps of photographing the payment code using a camera having a built-in seller mobile device as a smartphone; And

And reading the information recorded in the billing code taken by the code recognition module of the payment application installed in the seller mobile device to recognize the payment code.

In a preferred embodiment, the step of inputting the goods information of the present invention comprises: recognizing a discount coupon displayed on the purchaser's mobile device; And

And the merchant mobile device displaying the final price reflecting the discount coupon to the payment application.

In a preferred embodiment of the present invention, the purchaser mobile device and the seller mobile device are installed in a payment application, and may be any one of a smart phone, a smart pad, a tablet, and a wearable device.

In order to achieve the above object, a second aspect of the present invention provides a settlement service server providing a simple settlement service;

A smartphone of a buyer who executes a payment application provided by the payment service server to request the payment service server to generate a payment code and displays the payment code generated;

A smartphone of a seller installed with a payment application provided by the payment service server and requesting payment approval using the payment code and the merchant code of the seller; And

And a payment gateway (PG) for receiving the payment approval request and approving payment through authentication,

The settlement service server provides the settlement code to the smartphone of the buyer, gives the merchant code to the smartphone of the seller, verifies the validity of the settlement request including the settlement code and the merchant code, and returns it to the settlement agency server .

According to the present invention, the present invention provides a convenient payment method and system that is convenient for both a buyer and a seller. Buyers do not need to present credit cards, and sellers can sell goods or services without using a magnetic card reader like a credit card.

Buyers do not need to install various security and authentication applications and it is convenient because they do not need to manage public certificates. Furthermore, in the preferred embodiment, the present invention can be implemented as an add-on function in an instant messenger application which is popularly used in a smart phone, and therefore is very simple.

The seller does not need to newly install a new POS terminal and it is convenient, and the cost can be saved because a new terminal device according to the new payment method is not installed. For example, in order to introduce a simple payment system using NFC, a seller has to install a new terminal in addition to a conventional POS terminal, but the present invention does not require a new terminal. Even the present invention is very convenient because it enables easy payment through a seller's smartphone.

On the other hand, even if the effects are not explicitly mentioned here, the effect described in the following specification, which is expected by the technical features of the present invention, and its potential effects are treated as described in the specification of the present invention.

1 is a diagram showing a preferred embodiment of a simple payment system according to the present invention.
2 is a diagram showing a preferred embodiment of the simple settlement method of the present invention.
3 is a diagram for explaining a seller mobile device that implements the simple settlement method of the present invention.
4 is a diagram for explaining a purchaser mobile device executing the simple settlement method of the present invention.
5 is a diagram showing a preferred embodiment of the settlement application of the present invention.
* The accompanying drawings illustrate examples of the present invention in order to facilitate understanding of the technical idea of the present invention, and thus the scope of the present invention is not limited thereto.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may obscure the subject matter of the present invention.

1 is a diagram showing a preferred embodiment of a simple payment system according to the present invention.

As shown in FIG. 1, the simple payment system 100 of the present invention includes a buyer mobile device 200, a seller mobile device 300, a payment agent server 400, a payment service server 500, a financial server 600, .

The buyer mobile device 200 is a mobile terminal device possessed by the buyer. In a preferred embodiment, the buyer mobile device 200 includes a smart phone, a smart pad, a tablet, and a wearable device. The buyer mobile device 200 displays a payment code. The billing code includes buyer information and settlement account information on who the buyer is, and can be expressed in the form of a barcode or a QR code.

The buyer mobile device 200 is provided with an application provided by the payment service server. In a preferred embodiment, the application may be an instant messenger application installed extensively on a smartphone. An instant messenger application can implement a simple payment method with an add-on. For example, the present invention can be applied to applications such as WeChat, KakaoTalk, Line. Also, the simple payment method of the present invention can be applied to a simple payment solution including WeChat Pay and Union Pay.

The seller mobile device 300 is a mobile terminal device operated by a seller to use the simple settlement service of the present invention. The seller mobile device 300 is a terminal device capable of recognizing a payment code presented by a buyer, and includes a smartphone, a smart pad, a tablet, and a wearable device.

The seller mobile device 300 is installed with a payment application provided by the payment service server 500 and requests payment approval using the payment code presented by the buyer and the merchant code issued by the seller.

The payment proxy server 400 receives a payment approval request of the seller mobile device and provides a payment gateway (PG) service for payment. After approving the settlement, the settlement agency server 400 requests the financial server 600 to purchase the settlement. The financial server 600 is a server that provides financial services such as credit card or bank transfer.

The payment service server 500 is a server for providing the simple settlement service of the present invention. The payment code is provided to the buyer, and the merchant code is given to the seller. The settlement service server 500 can return to the settlement proxy server 400 whether the settlement service server 400 is a normal settlement request by requesting validation of the settlement request.

2 is a diagram showing a preferred embodiment of the simple settlement method of the present invention.

In order to use the simple settlement method of the present invention, the seller mobile device and the buyer mobile device perform a pre-registration procedure. First, the merchant mobile device installs the payment application provided by the payment service server. The merchant mobile device authenticates the payment service server and receives the merchant code. The buyer mobile device installs an application for issuing a payment code. The purchaser's mobile device enters his payment account or payment card information into the payment service server, completes authentication and receives a payment code.

Hereinafter, it will be described how the buyer visits the seller's offline store and makes a payment after the pre-registration process is completed. When the buyer selects the goods or services, the seller mobile device executes the payment application and displays the goods information to be sold in the payment application (S1100). The product information may include a product name and a product price. In the present invention, a product is a concept including goods and services to be sold.

If the buyer has the discount coupon, the discount coupon is displayed on the buyer mobile device (S1200). The seller mobile device displays the final price reflecting the discount coupon in the payment application (S1300).

Buyer The mobile device displays the buyer's payment code. In a preferred embodiment, the purchaser mobile device executes an application provided by the payment service server and requests the payment service server to generate a payment code (S1400). The payment service server generates a payment code and returns it to the buyer mobile device. The buyer mobile device displays the received payment code on the screen (S1500).

However, in another embodiment, the buyer mobile device can directly generate a payment code without requesting a payment code to the payment service server. To this end, the buyer mobile device may use a billing code generation algorithm embedded in the application provided by the payment service server. Further, in another embodiment, the buyer mobile device may store the payment code issued by the payment service server and use it repeatedly. The payment service server can set the validity period of the settlement code for security.

The merchant mobile device recognizes the payment code displayed on the buyer mobile device. When the seller mobile device is a smartphone, in a preferred embodiment, the smartphone photographs the payment code using the built-in camera and transmits the information recorded in the payment code photographed by the code recognition module of the payment application installed in the smart phone The billing code can be recognized by a reading method.

The merchant mobile device transmits a settlement request including the settlement code and the merchant's code of the seller to the settlement agency server (S1600). The payment proxy server requests the settlement service server to validate the settlement request (S1700). The payment service server verifies the validity of the payment request using the payment code and the merchant code (S1800). In a preferred embodiment, the payment service server can verify whether the payment code is valid using a predetermined encryption / decryption algorithm. In another embodiment, location information may be utilized for validation. The validity can be recognized when the difference between the location information is within the valid range by matching the location information of the area where the buyer mobile device has requested the payment code generation and the location information of the seller mobile device (which can be collected at the pre-registration step).

When the settlement service server confirms the validity of the settlement request, the settlement service server transmits a settlement approval to the seller mobile device and ends the settlement procedure (S1900).

3 is a diagram for explaining the simple settlement method of the present invention from the viewpoint of a seller mobile device. In a preferred embodiment, the merchant mobile device may be a merchant's smartphone, smart pad, tablet, or wearable device. In either case, the merchant mobile device has a billing application installed, and means for recognizing or entering the buyer's billing code.

The seller mobile device installs the payment application provided by the payment service server as a pre-registration procedure. The seller mobile device can access the payment service server, register as a member, input merchant information, and receive a merchant code.

When the buyer decides to purchase the goods or services, the seller mobile device executes the payment application (S2100). The merchant mobile device displays merchandise information including a price requiring payment through the payment application (S2200). When the buyer mobile device presents the discount coupon, the seller mobile device receives and processes the discount coupon (S2300). When the discount coupon is normally input, the seller mobile device updates and displays the final price (S2400).

The buyer confirming the final price displays the payment code on the buyer's mobile device. The buyer confirms the final price and presents the payment code. The seller mobile device recognizes the payment code (S2500).

The merchant mobile device transmits the payment code presented by the merchant code of the merchant and the buyer mobile device to the payment agent server to proceed with the payment request. The payment proxy server verifies the validity of the received payment request to the payment service server (S2600). When the seller mobile device receives a reply indicating that the settlement is valid, the seller finally approves the settlement of the buyer (S2700).

4 is a diagram for explaining the simple settlement method of the present invention in terms of a buyer's mobile device. In a preferred embodiment, the buyer mobile device may be a smart phone, smart pad, tablet, or wearable device. The buyer mobile device includes display means capable of displaying a payment code.

The buyer mobile device selects the goods or services to be purchased in the offline store, and confirms the price offered by the seller mobile device. The buyer mobile device executes the application to display the payment code (S3100). In a preferred embodiment, the buyer mobile device requests the payment code to the payment service server (S3200). When the settlement service server issues the settlement code, the buyer mobile device displays the settlement code (S3300). In another embodiment, the buyer mobile device may store the payment code and use it repeatedly, or may generate the new payment code each time using an algorithm embedded in the payment application. According to this embodiment, there is an advantage that the simple settlement can be used even when the communication connection is not convenient.

When the merchant mobile device scans the payment code and verifies that the payment code is valid, payment is completed (S3400). According to this method, the purchaser's mobile device can make the payment very easily without a physical card or cash.

5 is a diagram showing a preferred embodiment of the settlement application of the present invention.

The execution screen 301 of the payment application installed in the seller mobile device 300 in the preferred embodiment may include an announcement and an event menu 302, a payment menu 303 and a code reading menu 304. [ The announcement and event menu 302 displays new events and announcements that are going through the payment service. The settlement menu 303 is a menu for executing settlement. The code reading menu 304 is a menu for reading discount coupons and the like presented by the buyer mobile device.

When the payment menu 303 is selected, a screen as shown in FIG. 5 (b) is displayed. The payment screen 305 displays the seller information 306, the normal price 307, the discount rate 308, and the final price 309. The merchant information 306 may automatically display what was entered when installing the payment application on the merchant mobile device. The normal price 307 can be entered directly by the seller or displayed by reading the code displayed on the sale item. The discount rate 308 may be read by displaying the discount coupon presented by the buyer mobile device or may be determined by the seller mobile device at its discretion. When the normal price 307 and the discount rate 308 are determined, the best price 309 is automatically calculated and displayed.

The purchaser confirms the information displayed on the payment screen 305 and displays his or her payment code on the purchaser's mobile device. The merchant mobile device reads the billing code and proceeds with the rest of the payment process.

For reference, the payment method of the present invention can be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs, DVDs, magneto-optical media such as floptical disks, A hard disk drive, a flash memory, and the like. Examples of program instructions include high-level language code that can be executed by a computer using an interpreter, as well as machine accords such as those produced by a compiler. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

The scope of protection of the present invention is not limited to the description and the expression of the embodiments explicitly described in the foregoing. It is again to be understood that the present invention is not limited by the modifications or substitutions that are obvious to those skilled in the art.

Claims (6)

As a credit card payment method between a buyer mobile and a seller mobile in an offline store:
The purchaser mobile device presents the billing code registered in advance on the mobile screen and recognizes the payment code of the purchaser mobile device without using the payment reader of the POS terminal of the merchant merchant,
(a) executing a payment application preinstalled in a merchant mobile device;
(b) inputting merchandise information to the merchant mobile device;
(c) the buyer mobile device displaying the buyer's payment code;
(d) the merchant mobile device recognizing the payment code;
(e) the merchant mobile device transmits a settlement request including a payment code and a merchant code of a seller to a payment gateway (PG);
(f) verifying the validity of the payment request through the payment service server; And
(g) sending a payment approval to the merchant mobile device by the payment agent server. < Desc / Clms Page number 19 > The method according to claim 1,
Installing a payment application provided by a merchant mobile device in a payment service server; And
Further comprising the step of the merchant mobile device authenticating to the payment service server and receiving the merchant code from the merchant mobile device. The method according to claim 1,
The step of displaying the billing code
The purchaser mobile device being a smartphone executing an application and requesting the payment service server to generate a payment code;
Generating a payment code by the payment service server and transmitting the payment code to the buyer mobile device; And
And displaying a payment code received on a screen of the smartphone, wherein the payment code is displayed on the screen of the smartphone. The method according to claim 1,
The step of recognizing the payment code
Photographing the billing code using a camera having the seller mobile device as a smartphone; And
And reading the information recorded in the billing code photographed by the code recognition module of the payment application installed in the seller mobile device to recognize the payment code, wherein the credit between the buyer mobile and the seller mobile in the offline store How to pay your card. The method according to claim 1,
The step of inputting the product information includes: recognizing a discount coupon displayed on the purchaser's mobile device; And
Further comprising the step of the merchant mobile device displaying the final price reflecting the discount coupon to the payment application. The method according to claim 1,
Wherein the buyer mobile device and the merchant mobile device are one of a smart phone, a smart pad, a tablet, and a wearable device, wherein the payment application is installed.
KR1020160009242A 2016-01-26 2016-01-26 Method for payment between buyer's mobile device and seller's mobile device on offline store KR20170089174A (en)

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KR102006353B1 (en) * 2018-01-31 2019-08-01 비씨카드(주) Method for supporting the provision of offline service using object, service providing server, user terminal, and object
WO2019209018A1 (en) * 2018-04-25 2019-10-31 Chang Gil Hoon Payment interface device and system, payment method, and payment server
KR20200104850A (en) * 2017-12-28 2020-09-04 가부시키가이샤 구루나비 Information processing device, information processing system, information processing method, and program
KR20210007250A (en) * 2019-07-10 2021-01-20 주식회사 플리팝 Phone to phone payment system for pop-up market
JP2021510432A (en) * 2018-01-12 2021-04-22 アリババ・グループ・ホールディング・リミテッドＡｌｉｂａｂａ Ｇｒｏｕｐ Ｈｏｌｄｉｎｇ Ｌｉｍｉｔｅｄ Payment methods, devices, and devices
KR20230070179A (en) * 2019-12-31 2023-05-22 임정훈 Method and system for liquor reservation sale

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20200104850A (en) * 2017-12-28 2020-09-04 가부시키가이샤 구루나비 Information processing device, information processing system, information processing method, and program
US11875334B2 (en) 2017-12-28 2024-01-16 Gurunavi, Inc. Information processing apparatus, information processing system, information processing method, and program
JP2021510432A (en) * 2018-01-12 2021-04-22 アリババ・グループ・ホールディング・リミテッドＡｌｉｂａｂａ Ｇｒｏｕｐ Ｈｏｌｄｉｎｇ Ｌｉｍｉｔｅｄ Payment methods, devices, and devices
US11468426B2 (en) 2018-01-12 2022-10-11 Advanced New Technologies Co., Ltd. Payment method, apparatus and device
US11715090B2 (en) 2018-01-12 2023-08-01 Advanced New Technologies Co., Ltd. Payment method, apparatus and device
KR102006353B1 (en) * 2018-01-31 2019-08-01 비씨카드(주) Method for supporting the provision of offline service using object, service providing server, user terminal, and object
WO2019209018A1 (en) * 2018-04-25 2019-10-31 Chang Gil Hoon Payment interface device and system, payment method, and payment server
KR20210007250A (en) * 2019-07-10 2021-01-20 주식회사 플리팝 Phone to phone payment system for pop-up market
KR20230070179A (en) * 2019-12-31 2023-05-22 임정훈 Method and system for liquor reservation sale

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