KR20180047069A - Method and apparatus for payment processing based on user equipment - Google Patents

Abstract

Disclosed are a method for processing payment based on a user device and an apparatus thereof. The method for processing payment based on a user device includes the steps of: enabling a first user device to receive payment information based on an I point of sale (IPOS) application; and enabling the first user device or a second user device to request final payment based on the payment information by using the IPOS application. The payment information includes point of sales (POS) information. Information about the final payment is transmitted to an IPOS service server. Accordingly, the present invention can protect personal information and reduce a fee burden.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a payment method,

The present invention relates to a payment service, and more particularly, to a payment processing method and apparatus based on a user device.

The POS (point of sale) system is installed at the cashier's cashier's office, which generates revenue. It collects, processes, processes and stores all the sales information at the store in real time, analyzes, It is a system to record the sales result of the goods which can be done. POS systems or order management systems have been introduced in a variety of industries to enable more efficient work processes. In a typical POS system, revenue generation is the most important and original, but the importance of payment systems and payment methods can not be overlooked. Today, the tendency of consumers to emphasize convenience is to increase the use of electronic payment including credit card rather than cash, and to make institutional and technological supplementation of POS system in accordance with the development of various financial settlement technologies utilizing user devices such as smart phones Do.

10-2008-0065733

It is an object of the present invention to provide a payment processing method based on a user device.

It is another object of the present invention to provide an apparatus for performing a payment processing method based on a user apparatus.

According to an aspect of the present invention, there is provided a method of processing a payment based on a user device, the method comprising: receiving payment information based on an IPOS (I point of sale) application of a first user device; And requesting a final settlement based on the settlement information using the IPOS app, wherein the settlement information includes POS (point of sale) information, and the information on the final settlement includes IPOS Service server.

Meanwhile, the second user device is a device set by the first user device before proceeding with the payment, the second user device receives the payment information from the first user device based on the IPOS app, It is possible to determine whether the final settlement is proceeded based on the settlement information on behalf of the apparatus.

In addition, the IPOS app generates receipt information including the payment information after completion of the final payment, and the receipt information may be output as virtual image information on the first user device or the second user device.

In addition, the payment information may include payment position information determined based on the position information of the first user device when generating the payment information.

In addition, the IPOS app may provide a virtual image of a receipt matching with a place where the receipt search is performed based on the settlement location information when searching for a receipt for a transaction refund procedure through the display of the first user device have.

According to another aspect of the present invention, there is provided a first user device for performing payment processing based on a user device, the first user device including a processor, the processor being capable of performing payment based on an IPOS (I point of sale) The payment information may be used to request a final settlement through the first user autonomy or second user device using the payment information based on the IPOS app, , And the information on the final settlement may be transmitted to the IPOS service server.

Meanwhile, the second user device is a device set by the first user device before proceeding with the payment, the second user device receives the payment information from the first user device based on the IPOS app, It is possible to determine whether the final settlement based on the settlement information proceeds on behalf of the apparatus.

In addition, the IPOS app generates receipt information including the payment information after completion of the final payment, and the receipt information may be output as virtual image information on the first user device or the second user device.

In addition, the payment information may include payment position information determined based on the position information of the first user device when generating the payment information.

In addition, the IPOS app may provide a virtual image of a receipt matching with a place where the receipt search is performed based on the settlement location information when searching for a receipt for a transaction refund procedure through the display of the first user device have.

The method and apparatus for processing a payment based on a user apparatus according to an embodiment of the present invention can perform a settlement procedure based on the user apparatus of the user by linking online / offline. Accordingly, it is possible to protect personal information, to provide data on the integrated management and expenditure patterns of expenditure history, and to reduce the burden of commissions.

1 is a conceptual diagram illustrating an IPOS-based payment service method according to an embodiment of the present invention.
2 is a conceptual diagram illustrating a payment method based on an IPOS app according to an embodiment of the present invention.
3 is a conceptual diagram illustrating a method for managing a receipt based on an IPOS app according to an embodiment of the present invention.
4 is a conceptual diagram illustrating a spending pattern analysis service based on an IPOS app according to an embodiment of the present invention.
5 is a conceptual diagram illustrating a method of setting a category structure by a user according to an embodiment of the present invention.
6 is a conceptual diagram illustrating a service for finding a receipt based on an IPOS app according to an embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the drawings.

Hereinafter, an embodiment of the present invention discloses a payment system based on a user device. A billing system based on a user apparatus according to an embodiment of the present invention can implement a POS (point of sale) system installed in an existing business place (or a store) in a user's apparatus. That is, a function such as a POS system installed in an existing business site can be performed by a personal portable user device, and an individual user device can process POS data. Hereinafter, the POS system / POS service based on the user apparatus according to the embodiment of the present invention can be expressed by the term IPOS system / IPOS service. If the existing POS service is a payment based on a POS terminal based on the POS data, the IPOS service may be a settlement service in which a user's device is a subject based on the POS data.

Hereinafter, an IPOS system-based payment method is specifically disclosed.

1 is a conceptual diagram illustrating an IPOS-based payment service method according to an embodiment of the present invention.

Referring to FIG. 1, purchase data for a product or service to be purchased for an IPOS-based payment service may be generated.

The IPOS service server 100 may transmit an IPOS application (hereinafter referred to as an IPOS application) to the user device 120. The IPOS app may be installed in the user device 120 and may provide a POS data-based payment procedure service on the user device 120.

The generated purchase data may be transmitted to the user device 120 in which the IPOS application is installed. When the user device 120 has finalized the payment based on the IPOS application, the payment may proceed. Such a payment function may be possible not only with the device 120 of the user of the user but also with the agreement of the user device of the other user.

The IPOS system may be an online / offline integrated payment system.

In the case of online-based payment, purchase details can be transmitted to the IPOS app of the user device 120 at the time of settlement of the product in the shopping cart, payment is finally made after the approval for the payment is made in the payment system based on the IPOS app .

In the case of off-line settlement, the business POS system may transmit information about the purchased item to the user device 120 based on the individual identification information of the user device. For example, information about a purchased item may be delivered based on a quick response (QR) code or a near field communication (NFC) function. The user can approve the payment for the purchased item using the IPOS app installed on the user device 120 and complete the payment

Also, according to the embodiment of the present invention, the IPOS service server may be utilized to provide an overseas settlement service. In the IPOS service, a personal payment account can be provided, and the user can deposit money into the personal payment account and proceed with the settlement process based on the deposited money amount. For example, in the IPOS service, the amount used can be calculated in consideration of the exchange rate at the time of settlement, and the settlement procedure can be performed by paying the calculated amount. Payments based on these IPOS service servers can reduce card fees and reduce the risk of having cash exchanged in other countries.

2 is a conceptual diagram illustrating a payment method based on an IPOS app according to an embodiment of the present invention.

2, a method of performing a purchase item export in an IPOS app is disclosed.

Referring to FIG. 2, the purchase item export function is a function of not accepting payment in a user device that directly receives information on a purchase item transmitted in an online / offline manner, but approving payment in another user device and completing settlement to be. That is, the function of exporting a purchased item is a function for payment by a third party. The purchase item export function may be able to select one of the third party's pre-order agreement or settlement by post-settlement agreement.

For example, the purchase item export function can be used to make a payment for a product purchased by a student or a service provided by a user after confirming a purchase history through a user device of the parent and making a final decision by the parent. In addition, the export function of the purchased items can make the Dutch payee more easily between the workers and friends, and it can be beneficial to the consumers and the operators by reducing the loss of the commission fee of the employer by the micropayment.

That is, if the first user device 210 receives the payment information based on the IP point of sale (IPOS) application and the first user device 210 and / or the second user device 220 use the IPOS app You can request a final settlement based on the information. The payment information may include POS (point of sale) information, and information on the final payment may be transmitted to the IPOS service server 200.

The second user device 220 is a device set by the first user device 210 before proceeding with payment and the second user device 220 receives payment information from the first user device 210 based on the IPOS app And determine whether to proceed with the final settlement based on the settlement information on behalf of the first user device 210. [

3 is a conceptual diagram illustrating a method for managing a receipt based on an IPOS app according to an embodiment of the present invention.

3, a receipt management service provided by the IPOS app is disclosed.

Based on the IPOS app, the receipt 300 can be stored on the server and the receipt 300 can be viewed anytime and anywhere by unifying the settlement method. The receipt 300 can be provided to the user in a virtual image format in a form similar to an actual receipt.

That is, you can recall a receipt (300) based on the IPOS app without having to keep separate paper receipts for exchanges and refunds. Even if you use cash payment, account transfer, direct debit or mobile phone payment without paying with IPOS app, you may be able to move to receipt of IPOS app by using unique number or QR code of receipt (300).

In addition, an analysis of the spending pattern 350 based on the IPOS app may be possible. When the subject of settlement is focused on the IPOS application rather than on the card or cash, the spending data, which is divided by each card company and the individual's cash settlement, is collected in one place, and it is possible to calculate more accurate and detailed expenditure data for each individual. It can lead to reasonable consumption by providing data that is specific to individual periods and patterns. The method of analyzing the spending pattern 350 will be described later in detail.

In addition, unification of income deduction data can be performed based on IPOS app. Current tax deductions data can be found at the Internal Revenue Service, but because the procedure is complex and you can not find all the data you need, you can conveniently use data related to income deductions in advance if all your expenses are made up of IPOS apps.

When such an IPOS app is used, personal information can be protected. In the existing payment system, payment information is stored in the POS device of the business site when offline, and payment information is stored in each site in the case of online. For this reason, a large amount of personal information may be leaked due to leakage of information in used POS equipment and hacking of a shopping mall. However, when the IPOS app is used, the payment procedure is performed based on the user device, so that leakage of personal information can be prevented.

In addition, based on the IPOS application, the expenditure management can be efficiently performed by performing the integrated management of the expenditure history. The advantage of the card is that it is not necessary to carry cash, but it is inconvenient to check the accurate expenditure history. This is because the confirmation of payment details for each card must be performed. However, when the IPOS app is used, data on expenditure breakdown by period and sector is provided based on the stored receipt data, so that the user can manage expenditure while consuming, This can be helpful in spending management.

In addition, data related to spending patterns can be provided based on the IPOS app. Individual expenditure data can be gathered to form big data, and only necessary data can be extracted from big data to provide individual and company with necessary data for each user. For example, information on age-specific consumption patterns, preferred consumption cultures, and the like can be generated based on analysis of big data on expenditure patterns.

In addition, when the IPOS app is used, the fee burden can be reduced. The settlement fee can be reduced because the subject of settlement is the user's personal device (for example, a personal mobile phone terminal), and when the number of users using the IPOS app increases, purchasing power is increased and the fee negotiation can be advantageous have.

4 is a conceptual diagram illustrating a spending pattern analysis service based on an IPOS app according to an embodiment of the present invention.

FIG. 4 illustrates a method of analyzing an expenditure pattern for a user based on a payment history.

Referring to FIG. 4, an analysis of a user's expenditure pattern may be performed based on an IPOS app installed in a user apparatus.

The IPOS service server can classify the user's expenditure history by date or by category.

For example, the IPOS service server can perform learning based on transaction information 400 of various existing users and classify the transaction information 400 according to a preset category.

Specifically, the IPOS service server can classify the category of the transaction information 400 by the first category (apparel), the second category (food and beverage), the third category (daily necessities) Can be classified.

In order to classify these categories, learning can be performed on each IPOS service server. For example, if a transaction called UNIQLO is available, learning about products sold at UNIQLO can be performed, and as a result, products sold at UNIQLO can be classified as apparel on the IPOS service server.

Such learning can be made more accurate by continuous modification. For example, in the case of a store handling a variety of items (apparel, daily necessities, etc.), additional transaction history can be analyzed. That is, when the goods to be sold in the store correspond to a plurality of categories, the IPOS service server may classify the transaction information 400 by additionally determining information on the additional goods included in the transaction information 400 .

For example, when IKEA sells commodities corresponding to a plurality of categories, if the transaction information 400 about daily necessities and food occurs, the information on the details included in the transaction information 400 is additionally analyzed, (400) can be classified into a plurality of categories.

For this category classification, continuous learning can be performed on the IPOS service server. The IPOS service server can collect data on the web and analyze the categories of the transaction details when a new transaction that can not be determined occurs. For example, when transaction information 400 for a new company A is generated, information about the company A can be collected on the web. Based on the collected information, information about the products sold by the company A can be obtained.

For example, words related to company A can be extracted from documents retrieved on the web. When a skirt, shoes, etc. are searched for as a word having a high degree of relevance to the A company, the IPOS service server can classify the transaction history of the A company as clothing first. These associations can be performed based on the analysis of relevance between words on a sentence basis based on the search for the document internal structure.

Thereafter, the IPOS service server can confirm whether the analysis of the transaction result is correct by the user device, and reinforce learning based on the confirmation result.

If information related to the company is not extracted from the IPOS service server, or information related to the business is distributed, the user can request the classification category to proceed with the learning. In the case where the IPOS service server does not obtain the search results for the information related to the A company on the web, or irrelevant goods (heavy equipment, clothes) are searched for products related to the A company, the IPOS service server transmits the transaction information 400 ) Can be requested to proceed the learning. If the relationship between the products is also based on the machine learning and the degree of relationship between the products is less than a predetermined threshold value, the IPOS service server can request the classification category for the transaction information 400 to the user and proceed with the learning.

In this way, the IPOS service server can classify the category of the transaction information 400 more clearly through learning about the transaction information 400 generated by a plurality of users. In addition, the IPOS service server can provide the user with an adaptive category structure.

5 is a conceptual diagram illustrating a method of setting a category structure by a user according to an embodiment of the present invention.

5, a method of setting a category structure 500 by a user is disclosed.

Referring to FIG. 5, the setting of the category structure 500 by the user may be performed in various ways. For example, a user may want to break down transaction categories related to food and beverage into more subdivided categories such as Korean, Chinese, and Western. In this case, the user can select a category to be classified based on the IPOS application, and classification based on the selected category can be performed based on the IPOS service server.

Specifically, the IPOS service server can hierarchically classify transaction details and provide customized transaction history analysis based on hierarchically classified transaction details.

For example, when a transaction breakdown occurs in a restaurant, a food and beverage category is set as a first category, a category such as meal, drink, and snack is set as a first sub-category of the first category (food and beverage) (Meals), categories such as Korean, Chinese, and Chinese can be set as the second sub-category. Furthermore, various food categories can be additionally set for the second sub-category (Korean food). The IPOS server can be categorized up to the final subcategory classification stage possible for transactions through machine learning.

The user may wish to classify the category up to the lowest category classification stage or may want to classify the transaction history up to the classification stage of the higher category.

In addition, the user may want different classification steps for each category. For example, you may want to categorize foods up to the final subcategory classification stage, but you may want to classify your apparel up to the final category subcategory stage.

The user can set the category of the transaction history according to the degree of classification desired by the user through the IPOS application, and the user can utilize the transaction history in the classification only to the extent desired by the user.

6 is a conceptual diagram illustrating a service for finding a receipt based on an IPOS app according to an embodiment of the present invention.

6, a service method in which a user receives information on a receipt based on payment details is disclosed.

Referring to FIG. 6, a user can perform a search for a receipt by simply inputting transaction-related information in order to find a receipt for an existing transaction history.

The receipt may be generated to include information on the transaction details based on the text information, and may be represented on the screen of the actual user apparatus as a virtual image of a form similar to the receipt.

For example, if a user has a meal, a receipt containing transaction information for a meal can be created graphically on a form similar to an actual receipt, and the user can view information about the receipt based on the IPOS app . A plurality of receipts can be provided to the user in various image formats via the user device.

For example, information on a plurality of receipts may be arranged in a horizontal or vertical direction in a row in a time sequence on the screen of the user device, and the user may touch the touch screen of the user device in the horizontal direction or the vertical direction, Search can be performed.

Alternatively, the user can search the receipt by inputting the category or purchased article information in cooperation with the information on the categories described above with reference to FIGS. 4 and 5.

For example, if a user performs a search for a receipt, the IPOS app may request a category selection 600 associated with the receipt of the category set by the user. If the user needs a receipt associated with the clothes for a refund of the clothes, the user can select the apparel category, and the IPOS app can provide the user with a virtual image of the receipt associated with the apparel. As described above, the categories may be further subdivided, and the user may request a subdivision of the category to find the receipt more quickly and then perform a search for the receipt.

The IPOS app can provide the user with a virtual image of the receipt corresponding to a particular category on a time-based basis or separately set by the user.

The user may also enter information about the date or place of purchase for faster navigation.

The virtual receipt may include information on the time of purchase and the location of the purchased store, and the user may enter the date or enter information about the purchased place on a map basis to find the receipt he or she is looking for sooner.

Alternatively, if the user goes to the store where the refund is to be performed without input, the IPOS app can extract the receipt corresponding to the location information based on the location information. For example, when visiting a store in Giannam station and requesting a search for a receipt, a virtual image receipt corresponding to the transaction information generated at the Giodano store in Gangnam station among the receipts stored based on the location information of the store is provided to the user .

The user device-based payment processing method may be implemented in an application or may be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination.

The program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention and may be those known and used by those skilled in the computer software arts.

Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like.

Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined in the appended claims. It will be possible.

Claims (10)

The user device-based payment processing method includes:
The first user device receiving payment information based on an IPOS (I point of sale) application; And
The first user device and the second user device requesting a final settlement based on the settlement information using the IPOS app,
Wherein the payment information includes a POS (point of sale) information,
And the information on the final settlement is transmitted to the IPOS service server. The method according to claim 1,
Wherein the second user device is a device set by the first user device prior to proceeding with the payment,
The second user device receives the payment information from the first user device on the basis of the IPOS app and determines whether the final payment is proceeded based on the payment information on behalf of the first user device Lt; / RTI > 3. The method of claim 2,
The IPOS app generates receipt information including the payment information after completion of the final payment,
Wherein the receipt information is output as virtual image information on the first user device or the second user device. The method of claim 3,
Wherein the payment information includes payment position information determined based on position information of the first user device when generating the payment information. 5. The method of claim 4,
The IPOS app provides a virtual image of a receipt matching with a place where the receipt search is performed based on the settlement location information when searching for a receipt for a refund procedure for a transaction through a display of the first user device How to. A first user device for performing a payment process based on a user device,
Wherein the first user device comprises a processor,
The processor receives payment information based on an IPOS (I point of sale) application,
And a final payment is requested through the first user autonomy or the second user apparatus using the payment information based on the IPOS application,
Wherein the payment information includes a POS (point of sale) information,
And the information on the final settlement is transmitted to the IPOS service server. The method according to claim 6,
Wherein the second user device is a device set by the first user device prior to proceeding with the payment,
The second user device receives the payment information from the first user device on the basis of the IPOS app and determines whether the final payment is proceeded based on the payment information on behalf of the first user device Lt; / RTI > 8. The method of claim 7,
The IPOS app generates receipt information including the payment information after completion of the final payment,
Wherein the receipt information is output as virtual image information to the first user device or the second user device. 9. The method of claim 8,
Wherein the payment information includes payment position information determined based on position information of the first user device when generating the payment information. 10. The method of claim 9,
The IPOS app provides a virtual image of a receipt matching with a place where the receipt search is performed based on the settlement location information when searching for a receipt for a refund procedure for a transaction through a display of the first user device Lt; / RTI >

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