KR20190054860A - On / offline cash payment system and method using company number and various number recognition method - Google Patents

Abstract

The present invention relates to online/offline cash pay payment system and method using a business registration number recognition method. According to the present invention, the online/offline cash pay payment system using a business registration number recognition method comprises: a store terminal which generates a subscription approval request signal of business operator information for selling products, and generates and displays a store code including the approved business operator information and the information of payment amount, purchase details, and date and time of code generation; a consumer terminal which directly receives or reads the store code provided by the store terminal in real time, transmits, in real time, a payment amount transfer request signal for the payment amount included in the store code, which is directly received or read, and transmits a subscription approval request signal including bank account information where the payment amount is withdrawn; and a cash pay server which receives a subscription approval request signal respectively from the store terminal and the consumer terminal, generates cash pay account information of the store and the consumer while approving the subscription of the store terminal and the consumer terminal, transmits the cash pay account information to the store terminal and the consumer terminal, transfers, in real time, the payment amount from the consumer cash pay account to the store cash pay account in accordance with the payment amount transfer request signal received from the consumer terminal, and allows a commission of a certain rate for the transferred payment amount to be transferred in real time to the consumer cash pay account.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an on / offline cash payment system and method using a company number,

The present invention relates to an on / offline cash payment system and method. More specifically, the present invention relates to a system and method for an on / offline cash payment, , Mobile phone number, etc., so that it can distribute the unnecessary fee and card fee to business operators and consumers by making independent payment without going through the vendor and PG company, and it is possible to make the cash flow of the store more flexible and spacious And an on / off line cash payment system and method using a business number recognition method.

Along with the development of wired / wireless communication networks, payment of goods or services is also proceeding on various online methods through the wired / wireless communication network. The most popular of these various online payment methods are mobile payment method and card payment method.

In the conventional mobile payment method, when a user makes a payment request on the Internet using a mobile phone number (e.g., a mobile phone number) at a merchant site, authentication information is received by the mobile terminal corresponding to the mobile phone number, To the merchant site again to perform settlement.

Further, in the conventional card payment method, when a card (credit card, check card, etc.) information (credit card serial number, expiration date, etc.) and payment information (password, etc.) for payment are input to the merchant site, And the payment is performed.

The conventional mobile payment method is advantageous in that it can be easily settled if it occupies a mobile terminal (mobile phone). However, it has a disadvantage in that the payment can be made only by occupation of the mobile terminal, and safety is very weak. Therefore, it is mainly used for transactions with a small settlement amount such as a small amount settlement.

In Korean Patent Laid-Open Publication No. 10-2014-0112249, a consumer does not need to input payment data by scanning a QR code of a merchant using his / her mobile phone, but directly connects to a payment server and can easily perform payment , And a mobile phone payment method using a QR code that allows a user to easily make a payment without installing a separate application or predetermined software in his / her mobile phone.

However, in the above-described conventional technology, since the merchant must provide a separate merchant QR code, the merchant can not perform settlement using the QR code when the merchant is not a merchant, so that it is troublesome to make an existing card or cash settlement.

As a result, a new paradigm is required for virtually every store, consumer, and trader to take advantage of each other's benefits.

Korean Patent Publication No. 10-2014-0112249

The present invention has been made in view of the above problems, and it is an object of the present invention to provide an on / offline cash payment system using a business number and various number recognition methods.

It is another object of the present invention to provide an on / offline cash payment method using a business number and various number recognition methods.

It should be understood, however, that the scope of the present invention is not limited thereto, but includes any object or effect which can be understood from the solution or the embodiment of the present invention without explicitly mentioning it.

According to an aspect of the present invention, there is provided a method for generating a subscription approval request signal for selling merchandise, the method comprising: A shop terminal for generating and displaying a store code including information on the shop terminal; Directly receives or reads a store code provided in real time from the store terminal, transmits a payment money transfer request signal for a payment amount included in the store code directly received or read, in real time, and transmits a payment account transfer request signal, A consumer terminal for transmitting a registration approval request signal including information; And receiving the approval approval request signal from the store terminal and the consumer terminal, respectively, generating cache pay account information of the store and the consumer while accepting the registration of the store terminal and the consumer terminal, and transmitting the cash pay account information to the store terminal and the consumer terminal, Real-time transfer of the settlement amount from the consumer cash pay account to the store cash pay account in real time according to the payment money transfer request signal received from the terminal, and real-time transfer of the fee to the consumer cash pay account And a cache pay server for performing a cache hit.

According to one embodiment of the present invention, when the consumer terminal recognizes only the business registration certificate and the business number included in the store code, it directly inputs information about the amount to be paid, The payment server transmits a settlement amount transfer request signal to the cash pay server by generating a payment code including the business registration card, the business number, and the amount of money to be paid.

According to an embodiment of the present invention, the cash pay server is configured to transfer the fee to the consumer cash pay account as virtual money, and to make a transaction of the paid virtual money.

(A) transmitting a subscription approval request signal from a store terminal and a consumer terminal to a cash pay server, and accepting subscription from the cash pay server; (b) generating, in real time, a store code for the product and providing the store code to the consumer terminal; (c) directly receiving or reading the shop code provided by the shop terminal; (d) real-time transmission of a payment amount transfer request signal of the store code directly received or read by the consumer terminal to the cash pay server; (e) receiving, by the cash pay server, a payment money transfer request signal from the consumer terminal in real time; (f) real-time transfer of the payment amount from the customer's cash payment account or the financial account of the corresponding consumer to the account of the shop according to the payment money transfer request signal received in real time by the cash payment server; And (g) a cash payment server for real-time transfer of an amount corresponding to a predetermined fee of the payment amount from the cash pay account or the financial account of the store to the cash pay account or the financial account of the consumer, And transferring from the cash pay account or the financial account of the consumer to the cash pay account or the financial account of the shop.

According to the embodiment of the present invention, the business operator registers the account number information and the account information to receive the sales amount in the cash pay server through the store terminal, then stores the business registration certificate and the business number of the business entity in the store, It is possible to distribute the unnecessary card fee to the business operator and the consumer at the time of credit card payment by reading out and recognizing the business registration card or business number provided from the shop terminal and making the settlement without using the vendor and the PG company, It is possible to make the cash flow of the mobile terminal more flexible and affordable.

In addition, according to the embodiment of the present invention, when a consumer performs a settlement through a cash pay server, the virtual money is paid at a predetermined ratio with respect to the settlement amount, thereby increasing the usage rate of the cash payout of the consumer, .

In addition, according to the embodiment of the present invention, the consumer can perform the cash receipt processing like the on / offline cash settlement method, and the shop and the consumer can apply the credit transfer application through the cash pay server to smooth the cash settlement processing .

In addition, the various and advantageous advantages and effects of the present invention are not limited to the above description, and can be more easily understood in the course of describing a specific embodiment of the present invention.

FIG. 1 is a block diagram schematically illustrating an on / off line cash payment system using an operator number and various number recognition methods according to an embodiment of the present invention.
2 is a block diagram illustrating a store terminal according to an embodiment of the present invention.
3 is a block diagram illustrating a consumer terminal according to an embodiment of the present invention.
4 is a block diagram illustrating a cache pay server according to an embodiment of the present invention.
5 is a flowchart illustrating an on / off line cash payment method using a business number and various number recognition methods according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to designate the same or similar components throughout the drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In describing the components of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected to or connected to the other component, It should be understood that an element may be "connected," "coupled," or "connected."

FIG. 1 is a block diagram schematically illustrating an on / off line cash payment system using a service number and various number recognition methods according to an embodiment of the present invention. FIGS. 2 to 4 are block diagrams A shop terminal, a consumer terminal, and a cache pay server, respectively.

The cash payment system 100 of the present invention is a system in which a shop stock is registered with a store terminal 110 in a cash pay server 130 and includes a business registration certificate and a business number or a license number, And the like, and the consumer reads and recognizes the business registration number, business number, or various numbers provided from the shop terminal 110 by using the consumer terminal 120, And can be configured so that an individual payment is made.

In the meantime, the cash payment system 100 of the present invention has been described in which payment is made using a business registration card and a business number at the time of purchasing a product. However, the present invention is not limited thereto. It can also be used to pay for the use of public transportation, and to pay for donations by non-profit organizations.

In addition, an on-line cash settlement fee lower than a card fee burdened by an existing store can be imposed to reduce a burden on a store, and a settlement amount for a consumer's purchase of goods can be configured to deposit the settlement cost in real time.

In addition, the settlement amount required to be paid to the trader in the store can be automatically paid in real time through an easy online credit transfer application so that the convenience of payment and the payment of the fee can be maintained smoothly. At the same time, By providing virtual money at a certain rate of payment amount at the time of settlement, the customer can continue to use the cash money in the future, thereby providing incentives for the customer to use the cash money and synergetic interaction with the sales of the cash money store.

In addition, the virtual money paid to the consumer can be used as a reserve by using the consumer terminal 120 or can be sold in the cash pay server 130, It is possible to increase the utilization rate and provide additional economic benefits to consumers as well as convenience of settlement.

The present invention has been described in connection with the case where payment is made using a business registration certificate and a business number of a store at the time of payment between the store terminal 110 and the consumer terminal 120. However, the present invention is not limited to this, and a barcode, a QR code, , A settlement method using ordinary NFC, a settlement method using a number of a consumer terminal 120, and the like, preferably, settlement for both of the means capable of settlement on / off-line .

The cash payment system 100 of the present invention comprises a store terminal 110, a consumer terminal 120, and a cash pay server 130 as shown in FIGS. 1 to 4.

A store terminal 110 is a terminal provided in a store, a taxi, a non-profit organization or the like and may be a computer, a point of sale (POS) terminal, a tablet PC of a store, a taxi, And the like.

The store terminal 110 stores the business information including the business registration certificate registered for selling the product, the business number, and the account information (hereinafter, referred to as a cash pay account) for the passbook to receive the sales note of the store attention, By transmitting the provider information to the cash pay server 130 to allow the subscription and approval to be performed and displaying the approved business registration certificate and business number, the consumer purchasing the product can receive the business registration certificate, And recognizes or reads out any one of the business numbers, thereby making settlement for the goods to be purchased.

At this time, the commodity may include not only general purchased commodities but also goods and services, and may further include a fee to be used when a taxi is used, a donation amount to be donated to a nonprofit organization, and the like.

In addition, the business registration certificate, business number, etc. included in the business information may be a taxi license number and a unique number depending on the type of goods, and may be a corporation of a nonprofit organization or a unique number (identification code number) Lt; / RTI >

The store terminal 110 includes a settlement amount input module 111, a store code generation module 112, a store code display module 113, a store code transmission module 114, a credit transfer application input module 115, An application sending module 116 and a membership approval requesting part 117. [

First, the admission approval request unit 117 requests the subscription of the store terminal 110 while transmitting the stored company information to the cash pay server 130, And to confirm whether the approval has been requested.

When the subscription approval confirmation signal is transmitted from the cash pay server 130, the subscription approval requesting unit 117 recognizes and reads the store code using the consumer terminal 120 through the store code generating module 112, And transmits the store code generation request signal so that settlement of the store code can be performed.

The settlement amount input module 111 may be configured to receive a payment amount for a purchase item of a consumer. The payment amount can be inputted directly by the shop owner, can be received from a separate POS terminal (not shown), and can be configured to automatically input the sum amount when the purchased product is scanned through the barcode scanner have.

The settlement amount input module 111 is configured to transmit information on the settlement amount to the store code generation module 112 so that the settlement amount is included when the store code is generated.

When the store code generation request signal is transmitted from the subscription approval request unit 117, the store code generation module 112 generates a store code including information on a payment amount, a detailed purchase history, and a code generation date and time together with the business entity information .

Since the rule for generating the shop code itself is a mutual agreement between the shop terminal 110 and the consumer terminal 120 or the cash pay server 130, it is configured to change the store code generation rule from time to time or periodically by mutual appointment .

The store code generation module 112 may further include a store code generation rule setting module (not shown). The store code generation rule module may be configured to store the store code generation rule at any time or periodically, Lt; / RTI >

The store code generation module 112 may further include information on the store code generation rule in the store code.

In this case, even if the store code generation rules are mutually changed and the consumer terminal 120 or the cash pay server 130 recognizes the information on the store code generation rule, the shop code is parsed and analyzed can do.

The shop code display module 113 stores or displays the store codes generated by the store code generation module 112 and displays the store codes displayed by the consumer terminal 120 by the scan of the consumer terminal 120, Respectively.

That is, when a product to be purchased by the consumer is determined, information on the payment amount is generated in the payment amount input module 111, and the generated payment amount information is transmitted to the store code generation module 112 to generate the store code , The consumer recognizes and reads the shop code using the consumer terminal 120 so that the payment can be made immediately even if the consumer does not input the payment amount separately.

For example, when a customer makes a payment of 1,000 won, a shop sends a 1000 won payment amount and a list to a cash dispenser shop ID to display a payment, and a customer who first scans a business registration number registered in a shop ID, Therefore, it is possible to maximize the convenience of settlement since the settlement is possible even if the consumer does not input the amount separately after reading the business number.

The store code display module 113 may be configured to always display the business registration number and the business number of the business entity information in real time.

The store code transmitting module 114 can be configured to transmit the store codes generated in the store code generating module 112 to the consumer terminal 120 in real time.

Accordingly, even if the consumer does not perform the process of recognizing and reading the shop code displayed by the shop code display module 113, it is possible to settle the product to be purchased.

That is, when the store code generation module 112 transmits the store codes generated to the store code display module 113 and the store code transmission module 114 respectively, the store code display module 113 displays the information contained in the shop code The customer can confirm the payment by displaying it on the display and at the same time, when the store code transmission module 114 transmits the store code to the consumer terminal 120, payment can be made directly at the consumer terminal 120.

For example, when a consumer in a restaurant pays a food price, the shop terminal 110 displays a store code including information on the provider information and an amount to be paid, and transmits the store code to the consumer terminal 120, If the transmission of the store code is confirmed in the payment server 120, a settlement request signal is generated, and the generated settlement request signal is transmitted to the cash pay server 130 to settle the settlement, thereby maximizing settlement convenience You can.

At this time, the operations of the shop code display module 113 and the store code transmission module 114 may be performed selectively.

On the other hand, the credit transfer application input module 115 may be configured to receive the credit transfer application information from the store owner.

The credit transfer application input module 115 may include a store code, a credit transfer amount, a credit transfer application date, a credit transfer rate, a redemption period, a redemption schedule, a redemption fee, a redemption fee, a cash pay account number or a financial account number, An account password or a financial account password, a credit transfer money account number of a transaction company, a deposit date, and the like, and an arrangement for a credit transfer application can be preceded in advance.

The credit transfer application sending module 116 can be configured to transmit the credit transfer application entered in the credit transfer application input module 115 to the cash pay server 130 in real time.

At this time, the credit transfer application sending module 116 may be configured to generate and transmit a credit transfer application code including a matter for the credit transfer application. The credit transfer application code may consist of business information.

The consumer terminal 120 is a portable terminal of a consumer, that is, a consumer using a store.

The consumer terminal 120 is configured to scan the store code of the store terminal 110 and recognize or directly receive the store code, and make a payment request to the cash pay server 130 using the received store code.

The consumer terminal 120 includes a store code receiving module 121, a store code recognition module 122, a store code analysis module 123, a payment amount confirmation / display module 124, a payment amount transfer request signal transmission module 125, A cash transfer input module 126, and a cash transfer request transmission module 127. [

The store code receiving module 121 may be configured to receive the store code from the store terminal 110. [ That is, the shop code 110 may be configured to receive the business registration certificate and the business number included in the business entity information transmitted from the shop code transmission module 114 of the shop terminal 110 as they are.

The shop code recognition module 122 may be configured to scan and recognize the business information displayed by the shop code display module 113 of the shop terminal 110 using the camera module.

At this time, the store code recognition module 122 can recognize the information on the amount to be paid by the shop terminal 110 through the store code scan.

On the other hand, the store code recognition module 122 may be configured to recognize the store code directly received from the store code receiving module 121.

Accordingly, even if the camera module is not used, the store code can be recognized by capturing the display of the consumer terminal 120 using the captured file.

Also, the store code recognition module 122 can recognize only the business registration number and the business number of the shop in which real-time display is performed in the shop code display module 113 of the shop terminal 110. [

At this time, when the shop code recognition module 122 recognizes only the business registration number and the business number, the shop code recognition module 122 activates an input module (not shown) for inputting the amount to be paid by the customer, When the information on the amount to be paid is inputted, a payment code including the business registration certificate, the business number, and the amount of money to be paid may be generated and transmitted to the cash pay server 130.

Here, when the payment code is transmitted from the store code recognition module 122, the cash pay server 130 compares the payment code with the store code transmitted from the store terminal 110. If the information on the payment amount is the same as the comparison result, Signal to the consumer terminal 120 and the consumer terminal 120 transmits the settlement amount transfer request signal to the cash pay server 130 upon receipt of the payment approval signal.

For example, when a consumer recognizes only the business registration certificate and the business number being displayed from the shop code display module 113 of the shop terminal 110 through the shop code recognition module 122 of the consumer terminal 120, The code recognition module 122 activates the input module to input information about the amount to be paid. When the amount information to be paid is inputted, the payment code is generated and transmitted to the cash pay server 130, If the payment approval signal is transmitted to the consumer terminal 120, the payment is approved and the settlement is completed. Thus, even if a separate store code is not recognized, .

In addition, when the store code is received in the store code receiving module 121, the store code recognizing module 122 may be configured to automatically display the store code on the display and automatically capture the screen, Or may be configured to capture through a motion capture operation.

The store code analysis module 123 is configured to scan the display of the store terminal 110 in the store code recognition module 122 and to analyze the store code recognized or the store code recognized by capturing the display of the consumer terminal 120 .

The store code analysis module 123 may be configured to extract information on the merchant information, the payment amount, the detailed purchase history, the code generation date and time, the cash pay account number, or the financial account number included in the store code.

When information on the store code generation rule is included, it can be configured to parse and analyze the store code.

The store code analysis module 123 can be configured such that the password of the cash pay account or the financial account of the store can not be extracted. It is preferable that the password of the cash pay account or the financial account is configured to be extractable only from the cash pay server 130.

In this case, the store code analysis module 123 should not have a function of parsing and extracting a password.

The payment amount confirmation / display module 124 is configured to check and display necessary information such as a payment amount, a detailed purchase history, a shop name, a store cash deposit account number, or a financial account number as analyzed by the store code analysis module 123 .

The information displayed in the payment amount confirmation / display module 124 may be information within a range requiring confirmation by the consumer such as a payment amount, detailed purchase details, shop name, and the like. The payment amount confirmation / display module 124 may be configured to perform a consumer confirmation process on the displayed information.

The payment amount transfer request signal transmission module 125 may generate the payment amount transfer request signal and transmit the payment amount transfer request signal to the cash pay server 130 in real time when the payment amount confirmation / display module 124 receives the confirmation from the consumer have.

The payment money transfer request signal may be configured to include all of the information contained in the store code.

At this time, the payment amount transfer request signal transmission module 125 may generate a payment amount transfer request signal according to the payment form of the consumer.

In other words, when the consumer makes a settlement by transferring the money deposited in advance in the consumer cash deposit account, the payment is made from the consumer cash deposit account to the store cash deposit account, and the consumer uses the credit card The credit card information of the consumer stored in the consumer terminal 120 may be included in the payment money transfer request signal and may be transmitted to the cash pay server 130 so that settlement by the credit card may be performed.

At this time, when the consumer terminal 120 requests the approval of the subscription to the cash pay server 130, the credit card information is transmitted to the cash pay server 130 together with the account account number to be registered in the consumer cash pay account, have.

In addition, if a certain amount of money is charged to the consumer cash pay account, the goods can be protected by charging the virtual money based on the block chain in order to protect it.

Here, the block chain is a public transaction book, a technique for preventing hacking that may occur when trading with virtual money, and is a type of distributed database. It is a continuously growing data record list, It is designed to be impossible to operate. An example of a well-known block chain is bit-coin, a decentralized electronic book that records the transaction of cryptography. Most ciphers, including bit coins, are based on block-chain technology.

On the other hand, a cash pay account or a financial account can be used not only for payment but also when a consumer wants to transfer cash from his or her cash pay account or financial account to another consumer's cash pay account or financial account.

The cash transfer input module 126 may be configured to receive a cash transfer amount that the consumer wishes to transfer from his or her cash pay account or financial account to the cash pay account or financial account of another consumer.

The cash transfer request transmitting module 127 may generate a cash transfer request signal including the cash transfer amount input from the cash transfer input module 126 and transmit the cash transfer request signal to the cash pay server 130 in real time.

The cash transfer request signal may include information such as a customer's cash pay account number or a financial account number, a cash pay account or a financial account password, a cash pay account number or financial account number of another consumer, and a cash transfer amount.

In addition, when a cash transfer request signal is generated in the form of a store code, information on a store code generation rule may be included.

The cash pay server 130 transfers cash from a consumer's cash pay account or a financial account to a cash pay account or a financial account of a store to settle a purchase amount of the consumer in real time or a cash payment from a consumer's cash pay account or financial account Such as transferring cash to a cash payment account or a financial account, applying for a credit transfer to a cash payment account or a financial account of a store, and depositing a credit transfer money to a cash payment account or a financial account of the trading company And may be configured to perform the process of cash settlement, transfer, and credit transfer application.

The cash pay server 130 generates a cash pay account by registering the deposit account information of the sales amount included in the provider information, and transmits the business card number to the cash pay server 130 through the cash pay server 130, Or if a payment is made with a license number and a unique number of a taxi or a corporation number and a unique number of a nonprofit organization, real-time payment is made to the cash pay account.

In addition, the cash pay server 130 may be configured to transfer the commission of the amount slightly lower than the card fee to the cash payment account or the financial account of the customer from the cash payment account or the financial account of the store upon payment of the purchase amount.

At this time, the transferred money amount can be used when the consumer makes a purchase at a shop that subscribes to the cash pay service, or to withdraw or transfer money.

The cash pay server 130 includes a cash pay account database 131, a payment amount transfer request signal receiving module 132a, a payment amount transfer request signal analysis module 132b, a payment amount transfer module 132c, The credit transfer request signal analysis module 134b, the credit transfer request signal analysis module 133c, the credit transfer request signal analysis module 134a, the credit transfer request signal analysis module 134b, the credit transfer money transfer module 134c, An affiliate approval module 135, and a fee return module 136. [

The subscription approval module 135 confirms whether the provider information is authentic when the provider information is transmitted from the subscription approval request unit 117 of the store terminal 110, and only when the provider information is legally issued, And the approval is carried out.

The subscription approval module 135 may be configured such that, when a subscription approval request signal is transmitted from the consumer terminal 120, approval for the subscription approval request signal is made.

At this time, the user can inquire the customer's phone number, the account number and password information of the passbook to transfer the settlement amount, and credit card information to determine authenticity, and generate the cash pay account information of the consumer and transmit the information to the consumer terminal 120 .

The cash payer account database 131 may be configured to subscribe to the cash pay service through the subscription approval module 135 and to store in advance the information of stores, consumers, traders, etc. having cash pay accounts, , Cache pay account password, and the like.

The payment amount transfer request signal receiving module 132a may be configured to receive a payment money transfer request signal from the store terminal 110 or the consumer terminal 120. [ The settlement amount transfer request signal may be composed of a shop code generated by the shop terminal 110.

The payment amount transfer request signal analysis module 132b analyzes the payment amount transfer request signal and extracts the payment amount, the cash pay account information or the financial account information of the consumer and the password, the cash pay account information of the shop or the financial account information Lt; / RTI >

The settlement amount transfer module 132c may be configured to transfer the settlement amount from the cash payment account or financial account of the consumer to the cash payment account or financial account of the store according to the information extracted from the payment money transfer request signal analysis module 132b have.

In the case of a financial account, the payment amount transfer module 132c can be configured to transfer the payment amount using the financial API.

When the transfer of the payment amount is completed in the payment amount transfer module 132c, the fee reduction module 136 transfers the fee of a predetermined percentage of the payment amount from the cash payment account or financial account of the store to the cash payment account or financial account of the consumer And can be configured to transfer.

Here, the cash pay account may be configured so that a predetermined amount is charged in advance. The above fee can be set to a slightly lower fee than the existing card settlement fee, and it is possible to increase the customer's desire to purchase the cash payment service and increase the utilization rate of the cash payment service by returning the fee to the consumer instead of the card payment fee.

As the consumer cash-pay service utilization rate increases, the cash-flow of the store becomes richer and the cash-flow becomes smooth. The conventional card payment method has a problem in that it is difficult to operate and secure the cash of the store due to the delay in the cash payment. The store has the effect of making the cash flow smooth by the fee less than the existing card settlement commission.

In addition, the fee reduction module 136 is configured to receive a fee transfer request signal from the store terminal 200 in real time, and upon receipt of the real-time fee transfer request, the cash payment account or the financial account The real-time transfer of the predetermined fee can be performed. However, it is not limited thereto.

That is, the fee reduction module 136 of the present invention transfers a predetermined fee to the cash payment account of the consumer for the payment amount transferred from the payment amount transfer module 132c, Real-time transfer to a financial account may be performed, or real-time transfer of the remaining amount of money other than the fee may be performed upon settlement of the payment amount.

In addition, the fee reduction module 136 of the present invention allows a real-time transfer to be made from the cash payment account of the consumer to the financial account of the consumer when the transfer request signal for the fee transferred from the consumer terminal 120 is received in real- Lt; / RTI >

Although the present invention has been described in connection with the case in which the fee transfer service is provided only when the payment amount is transferred, the present invention is not limited thereto and may be applied to cash transfer or credit transfer in the same manner.

In addition, the fee reduction module 136 of the present invention may pay a point or a cash commission, but the present invention is not limited thereto.

At this time, in the case of paying in the virtual currency, the consumer can make the transaction of the virtual currency among the consumers through the virtual currency transaction module (not shown) provided by the cash pay server 130. [

In this case, in the case of the virtual currency paid to the customer's cash pay account, the price is not changed, and the settlement of the product is performed using the virtual money paid by operating as a deposit as well as transactions between the consumers You may.

Meanwhile, the cash transfer request signal receiving module 133a may be configured to receive the cash transfer request signal from the consumer terminal 120. [ The cash transfer request signal can consist of a store code. The cash transfer request signal may include a customer's cash pay account or a financial account and password, a cash pay account or financial account of another consumer, a transfer amount, and the like.

The cash transfer request signal analysis module 133b may be configured to analyze the cash transfer request signal to extract information such as a cash pay account or a financial account and a password of a consumer, a cash pay account or a financial account of another consumer, have.

The cash transfer request signal analysis module 133b may be configured to display this on the display and automatically capture and extract the information contained in the store code.

The cash transfer module 133c may be configured to perform a cash transfer from the consumer's cash pay account or financial account to another consumer's cash pay account or financial account according to the information extracted from the cash transfer request signal analysis module 133b .

On the other hand, the credit transfer request signal receiving module 134a receives a credit transfer request signal for a credit transfer application for payment of a transaction price of a trader, for example, a material, a service, And receive it from the terminal 110.

The credit transfer request signal analysis module 134b may be configured to display the credit transfer request signal received from the credit transfer request signal reception module 134a on the display and automatically capture and analyze the signal to extract necessary information.

A cash payment account or a financial account of a shop, a cash payment account or financial account of a trading company, a credit transfer fee, a credit transfer rate, and redemption information.

The credit transfer money depositing module 134c may generate a credit transfer fee of the shop name according to the information extracted from the credit transfer request signal analysis module 134b and may be configured to deposit the credit transfer money into the cash payment account or the financial account of the transaction company.

In the case of a financial account, the credit transfer money depositing module 134c may be configured to transfer the settlement amount using the financial API.

Stores can use the proceeds deposited in cash or accounts to sequentially transfer money to the credit card account.

The credit transfer money redeeming module (not shown) of the store can be configured to automatically repay the credit payment account of the cash pay server 130 sequentially when there is a payment amount to be deposited in the cash payout.

In the case of shops, the transaction price can be automatically settled quickly to the trading company, and the transaction can be smoothly performed by automatically redeeming the sales amount from the sales amount, thereby generating the cash flow more conveniently.

FIG. 5 is a flowchart of a method of paying off / on-line cache pay-fin tech of a fee reduction method according to an embodiment of the present invention.

5, the store terminal 110 and the consumer terminal 120 transmit a subscription approval request signal to the cash pay server 130, approve the subscription at the cash pay server 130, (S101)

Next, the store terminal 110 generates a store code for a product in real time and provides it to the consumer terminal 120 (S102).

Next, the consumer terminal 120 directly receives or reads the shop code provided by the shop terminal 110 (S103).

Next, the consumer terminal 120 transmits the payment amount transfer request signal of the store code directly received or read to the cash pay server 130 in real time (S104).

Next, the cash pay server 130 receives a payment money transfer request signal from the consumer terminal 120 in real time (S105).

Next, the cash pay server 130 real-time transfers the payment amount from the customer's cash payment account or financial account of the corresponding consumer to the account of the store according to the real-time received payment amount transfer request signal (S106).

Next, the cash pay server 130 real-time transfers the money corresponding to the fee of a predetermined percentage of the payment amount from the cash pay account or financial account of the store to the cash pay account or financial account of the consumer in real time, (S107), from the cash pay account or the financial account of the consumer to the cash pay account or the financial account of the shop.

At this time, if the fee is virtualized, it is transferred only to the customer's cash pay account.

Next, the consumer terminal 120 generates a cash transfer request signal for cash transfer to a cash payment account or financial account of another consumer and transmits the cash transfer request signal to the cash payment server 130 (S108).

Next, the cash pay server 130 receives the cash transfer request signal and performs cash transfer from the cash pay account or financial account of the consumer to the cash pay account or the financial account of the other consumer according to the received cash transfer request signal (S109).

Next, the store terminal 110 generates a credit transfer request signal to transmit a credit payment to a transaction company's cash pay account or financial account, and transmits the credit transfer request signal to the cash pay server 130 (S110).

Next, the cash pay server 130 receives the credit transfer request signal, deposits the credit transfer money into the cash payment account or financial account of the transaction company in accordance with the received credit transfer request signal, Or the credit transfer money is reimbursed from the financial account (S111).

It is to be understood that the terms "comprises", "comprising", or "having" as used in the foregoing description mean that the constituent element can be implanted unless specifically stated to the contrary, And all terms including technical or scientific terms are to be construed as further including other elements unless the context clearly dictates otherwise as generally understood by one of ordinary skill in the art to which this invention belongs. Have the same meaning.

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

110: Store terminal 111: Payment amount input module
112: payment code generation module 113: payment code display module
114: payment code sending module 115: credit transfer request input module
116: Credit transfer request transmission module 117:
120: Consumer terminal 121: Billing code receiving module
122: payment code recognition module 123: payment code analysis module
124: Payment amount confirmation / display module 125: Payment amount transfer request signal transmission module
126: Cash transfer input module 127: Cash transfer request transmission module
130: cash pay server 131: cash pay account database
132a: Payment amount transfer request signal receiving module
132b: Payment amount transfer request signal analysis module
132c: payment money transfer module 133a: cash transfer request signal reception module
133b: Cash transfer request signal analysis module 133c: Cash transfer module
134a: credit transfer request signal receiving module 134b: credit transfer request signal analysis module
134c: Credit transfer gold deposit module 135: Subscription approval module
136: Fee reduction module

Claims (6)

A merchant terminal for generating a sign-up request signal of merchant information for selling merchandise and generating and displaying a store code including information on the authorized merchant information, a payment amount, a detailed purchase history, and a code generation date and time;
Directly receives or reads a store code provided in real time from the store terminal, transmits a payment money transfer request signal for a payment amount included in the store code directly received or read, in real time, and transmits a payment account transfer request signal, A consumer terminal for transmitting a registration approval request signal including information; And
Receiving the approval approval request signal from each of the store terminal and the consumer terminal, generating cache pay account information of the store and the consumer to approve the subscription of the store terminal and the consumer terminal, and transmitting the cash pay account information to the store terminal and the consumer terminal, In real time, transfer the corresponding settlement amount from the consumer cash account to the store cash pay account in real time, and transmit a fee of a certain percentage of the transferred settlement amount to the consumer cash account in accordance with the payment money transfer request signal A cache pay server for performing a cache hit;
And an on / off line cash payment system using the service number recognition method.
The method according to claim 1,
When the consumer terminal recognizes only the business registration card and the business number included in the store code, the consumer terminal directly inputs information on the amount to be paid, and when the information on the amount to be paid is input, the consumer terminal registers the business registration card, And generating a payment code including payment amount information for payment and transmitting a payment money transfer request signal to the cash pay server.
The method according to claim 1,
Wherein the cash pay server is configured to transfer the commission to the consumer cash pay account using virtual money, and to make a transaction of the paid virtual money, the on-line / off-line cash pay system using the service number recognition method.
(a) transmitting a subscription approval request signal to a store terminal and a consumer terminal in a cash pay server, and accepting subscription in the cash pay server;
(b) generating, in real time, a store code for the product and providing the store code to the consumer terminal;
(c) directly receiving or reading the shop code provided by the shop terminal;
(d) real-time transmission of a payment amount transfer request signal of the store code directly received or read by the consumer terminal to the cash pay server;
(e) receiving, by the cash pay server, a payment money transfer request signal from the consumer terminal in real time;
(f) real-time transfer of the payment amount from the customer's cash payment account or the financial account of the corresponding consumer to the account of the shop according to the payment money transfer request signal received in real time by the cash payment server; And
(g) The cash pay server transfers the amount corresponding to the fee of a predetermined percentage of the payment amount from the cash pay account or financial account of the store to the cash pay account or financial account of the consumer in real time, or excludes the amount corresponding to the fee Transferring from the cash pay account or the financial account of the consumer to the cash pay account or financial account of the store;
And an on / off line cash payment method using the service number recognition method.
5. The method of claim 4,
The step (d)
The customer terminal directly inputs information on the amount to be paid out when the consumer terminal recognizes only the business registration card and the business number included in the store code, and if the information on the amount to be paid is inputted, the business registration card, And generating a payment code including the amount information to be paid and transmitting a payment money transfer request signal to the cash pay server.
5. The method of claim 4,
The step (g)
Wherein the cash pay server is configured to transfer an amount of the fee to the consumer cash pay account as virtual money and to make a transaction of the paid virtual money. Offline cash payment method.

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