KR20190090236A - System for providing payment service using virtual currency based mobile application and method thereof - Google Patents

Abstract

The present invention relates to a system for providing a payment service using a virtual currency based mobile application and a method thereof. According to an embodiment of the present invention, the method for providing a payment service using a virtual currency based mobile application comprises the steps of: registering seller information including shop and product information by using a mobile application for a seller by a seller terminal; displaying the registered shop and product information by using a mobile application for a purchaser by a purchaser terminal; selecting a product in the displayed product information and reserving or ordering the selected product; and paying the reserved or ordered products by using a predefined virtual currency.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for providing a payment service using a mobile phone based on a virtual token,

The present invention relates to a payment service providing method, and more particularly, to a system and method for providing a payment service using a mobile phone based on a virtual banner.

Various types of electronic devices are being developed and distributed due to the development of electronic technologies. In recent years, state-of-the-art smartphones based on superior IT technologies have been developed and popularized.

As the spread of such smartphones has increased, purchasing activity through mobile devices has increased, and the size of the mobile payment market, which performs payment using mobile devices instead of cash or plastic cards, is also accompanied when purchasing products or services in online shops or in- It is growing.

Payment using mobile devices is a service that enables users to make payments using a smart phone without having a physical card. In recent years, mobile easy payment has become a representative method.

These mobile simple payments are superior to general credit cards that do not rely on specific credit card brands. Mobile offline payment services are expected to spread rapidly even in off-line environments. In accordance with the government's deregulation and support measures for pin- Of mobile payment services are expected to continue.

Therefore, it is necessary to develop a variety of services to use mobile convenience settlement more conveniently at the same time.

Published Patent Publication No. 10-2017-0099346, published on August 31, 2017

In order to solve the problems of the related art, it is an object of the present invention to provide a method and apparatus for displaying goods information by scanning a QR code disposed in a shop using a mobile application, reserving or ordering a product selected from the displayed product information, And a method and system for providing a payment service using a mobile phone based on a virtual token.

It should be understood, however, that the present invention is not limited to the above-described embodiments, and may be variously modified without departing from the spirit and scope of the present invention.

According to an aspect of the present invention, there is provided a method of providing a payment service using a mobile phone based on a virtual token according to an aspect of the present invention includes: Registering the seller information to be included; Displaying the registered shop and product information using a shopper exclusive mobile app by a shopper terminal; Selecting a product from the displayed product information and reserving or ordering the selected product; And paying the reserved or ordered merchandise using previously issued virtual tokens.

In addition, the generating step may include registering the seller information after registering with the seller through the seller-specific mobile application, and generating a Quick Response Code (QR) code that the buyer can interlock with the product order web page based on the registered seller information can do.

In addition, the displaying step may scan the QR code disposed in the shop through the purchaser-specific mobile application, link the product QR code to the product order web page, and display the product information through the connected product order web page.

In the payment step, the purchaser can search for and select the stored store and product information using the mobile app for exclusive use by the buyer terminal without visiting the store directly, and reservations, pre-orders, and prepayment may be possible.

Further, the virtual token may be issued by a service provider, and the exchange value may be predetermined.

In addition, the virtual token can be purchased and rented through a financial company capable of credit inquiry and capable of credit business.

In addition, the virtual tokens are issued with different virtual tokens for each region, and a plurality of regions can be used in cooperation.

According to another aspect of the present invention, there is provided a system for providing a payment service using a mobile phone based on a virtual token, comprising: a seller terminal for registering merchandise information including a shop and merchandise information using a seller-specific mobile app; Displaying the registered shop and product information using a mobile app dedicated to the purchaser, selecting a product from the displayed product information, reserving or ordering the selected product, and using the pre-issued virtual token A buyer terminal for payment; And a service server for providing the seller-specific mobile app, the mobile-only application for the purchaser, and the displayed product information.

In addition, the seller terminal registers the seller information after subscribing to the seller through the seller-specific mobile application, and generates a Quick Response Code (QR) code that the buyer can interlock with the product order web page based on the registered seller information .

Also, the buyer terminal can scan the QR code disposed in the shop through the buyer-specific mobile app, link the goods to the goods order web page, and display the goods information through the connected goods order web page.

In addition, the buyer terminal may be able to make a reservation, a pre-order, and a prepayment by searching for and selecting store information and product information stored by using the buyer's mobile app by the buyer terminal without directly visiting the shop.

As described above, according to the present invention, a QR code disposed in a shop is scanned using a mobile app to display product information, and a product selected from the displayed product information is reserved or ordered, and a product that has been reserved or ordered is paid using a virtual token, Can provide a publicity space for the public.

In addition, the present invention can promote a variety of services such as discounts for off-season time (weekends and the like) to the customers, and since the payment is made using the virtual token, the virtual token fee, such as the credit card fee, have.

In addition, the present invention provides a variety of services such as discounts for off-peak time (weekend, etc.), and a menu window for ordering can be opened directly by QR code scan, thereby facilitating ordering and payment.

In addition, the present invention allows a user to search for and select a desired store using a mobile app, and to make a mobile reservation and pre-order prepayment.

However, the effects of the present invention are not limited to the above effects, and may be variously extended without departing from the spirit and scope of the present invention.

FIG. 1 illustrates a system for providing a payment service using a mobile phone based on a virtual token according to an exemplary embodiment of the present invention. Referring to FIG.
2 is a diagram for explaining a process of using a mobile app according to an embodiment of the present invention.
3 is a diagram for explaining a process of using O2O payment of a mobile app according to an embodiment of the present invention.
4 is a diagram for explaining a process of using O2O payment of a mobile app according to another embodiment of the present invention.
FIG. 5 is a diagram for explaining the concept of issuing virtual bills according to an embodiment of the present invention.
FIG. 6 is a view for explaining the concept of issuing global virtual bills 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.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0029] Hereinafter, a system and method for providing a payment service using a mobile phone based on a virtual token according to an exemplary embodiment of the present invention will be described with reference to the accompanying drawings. In particular, according to the present invention, a QR code (Quick Response Code) arranged in a shop is scanned to display product information by using a mobile application, a product selected from the displayed product information is reserved or ordered, We propose a new service plan to make payment.

In the present invention, a virtual token or a cipher is used, which is called MON.

First, the virtual bill of materials can be developed and published by the service provider. The monetary value of money can be predetermined, for example, 1 mon is set to 1 won.

In addition, virtual bills can be operated directly by the affiliate entrustment or issuer, and can be operated in cooperation with a financial institution capable of credit inquiry and capable of credit business. In other words, it is possible to carry out personal lending business of MIM through personal credit inquiry.

These virtual banners can be purchased or rented, and you may need to confirm your name, credit inquiries, loan, and late fees at the time of rental.

The buyer can use the virtual signature which he bought or rented as a payment method of the goods, and the seller can use the virtual signature which has been paid to use as a payment means when purchasing another goods service or transfer it to the issuer, 100% cash can be exchanged.

In this case, when the buyer uses the virtual bounty money to pay the commodity, the monetary franchise fee may not be generated as compared with the existing credit card merchant fee, but a small amount of the commission fee may be generated at the time of exchange.

The mobile app based on these virtual identifiers is called a QRMON app. QRemo app is a program that can be easily made from order to settlement with QR code. It can promote customers more actively by providing a promotional tool for the shops in the app.

It can promote a variety of services including discounts for off-peak hours (weekends, etc.) to customers, and the fee can be adjusted to 0 ~ 3% to reduce the burden on merchants. It is possible to provide a mobile ordering and payment system that is difficult for small business owners to directly introduce.

In addition, customers can search and select desired shops by using QRALMON, can make mobile reservation and pre-order prepayment, and can also place order and settlement by opening menu order window directly on the field by QR code scan. Therefore, the virtual bill-based payment system proposed in the present invention is expected to be a convenient system for both customers and business owners.

FIG. 1 illustrates a system for providing a payment service using a mobile phone based on a virtual token according to an exemplary embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, a system for providing a payment service using a mobile phone based on a virtual token according to an embodiment of the present invention includes a seller terminal 100, a purchaser terminal 200, a service server 300, (400).

The seller terminal 100 is a terminal used by a seller who sells goods, and can register information on stores and goods using a mobile exclusive application based on a virtual token. The seller terminal 100 may be a concept including a smart phone, a POS terminal, a tablet, a notebook, and the like.

The seller can generate the QR code that the buyer can immediately interlock with the product order web page through the seller terminal 100 and arrange the generated QR code in the shop. A QR code is a two-dimensional code of a plaid pattern that can hold much more information than a bar code, and can receive various information by scanning a QR code with a smart phone.

The seller receives the virtual banners according to the sale of goods, and can use the virtual banners received as payment for the purchase of other goods or exchange them for cash.

The purchaser terminal 200 is a terminal used by a purchaser who purchases a commodity and can order and settle a commodity using a mobile app dedicated to a buyer based on a virtual token. Such a purchaser terminal 200 may be a concept including a smart phone, a tablet, a notebook, and the like.

The buyer can scan the QR code placed in the shop through the buyer terminal 200, and can connect to the seller order web page, which the buyer can order, to reserve, order and settle the product.

The purchaser can search for and select the stored shop and product information using the mobile app for exclusive use by the buyer through the buyer terminal 200 without visiting the shop directly, and reservations, pre-orders, and prepayment can be possible.

The purchaser can purchase or rent the virtual bill, and use the purchased virtual bill to use the purchased virtual bill to pay for the purchased product when purchasing the goods in the shop subscribed to the service.

The service server 300 can manage the seller-specific mobile app for providing the service, the mobile app for the buyer, information registered by the seller, information registered by the buyer, and the like.

The database 400 can store and update merchant-only mobile apps, mobile apps for buyers, information registered by sellers, information registered by buyers, and the like.

2 is a diagram for explaining a process of using a mobile app according to an embodiment of the present invention.

2 (a) to 2 (b), the seller terminal 100 can download and install a seller-specific mobile application according to the user's menu or key operation, and execute the installed seller-specific mobile application.

Referring to FIG. 2 (c), the seller terminal 100 can register seller information after registering with the seller through the executed mobile application. For example, the seller terminal 100 may register seller information such as a seller name, a business registration number, a contact number, an account number, a sales menu, and a commodity price.

That is, the seller-specific mobile app can register the seller information since the seller can use all the functions only after the membership through the mobile application.

Referring to FIG. 2D, the seller terminal 100 can generate a QR code that the buyer can immediately interlock with the product order web page by using the seller QR code generation program supported by the mobile app. For example, such a QR code may include a function for distinguishing an order object from an ordering method such as an order table classification, a visit reservation, a take-out, a delivery (flyer)

Next, the seller terminal 100 outputs the generated QR code so that the seller can place the outputted QR code in each table located in the shop or the shop.

The buyer terminal 200 can download and install the mobile app for the buyer according to the menu or key operation of the user, and execute the installed mobile app for the buyer.

2 (e), the buyer terminal 200 can scan the QR code placed in the shop or store through the executed mobile application and be immediately connected to the seller order web page that the buyer can order.

Referring to FIG. 2 (f), the buyer terminal 200 displays a connected product order web page, and can perform a product selection and an order request according to the user's menu or key operation.

2 (g), an order history including a selected commodity and a quantity according to an order request of the purchaser terminal 200 is transmitted to the seller terminal 100, that is, a terminal used by the seller and a POS Point Of Sales) terminal, a tablet used in a kitchen, and the like.

Referring to FIG. 2 (h), settlement of the ordered goods and receipt of the goods may be performed. The purchaser can perform a simple password settlement using the purchaser terminal or perform settlement of the commodity using the own credit card checker.

Also, in the present invention, O2O (Online to Offline) settlement can be provided. o2o stands for online to offline or vice versa, offline to online, and has a different context than the usual offline environment. In addition to ending all commerce transactions offline, it is possible to search for and receive goods online, and then receive the goods at the actual offline store. And can be purchased and booked.

3 is a diagram for explaining a process of using O2O payment of a mobile app according to an embodiment of the present invention.

3 (a) to 3 (b), the buyer terminal 200 executes the mobile application in the pre-order prepayment system, and scans the QR code placed in the shop or store through the executed mobile application, You can immediately connect to an orderable merchandise order web page.

Referring to FIG. 3 (c), the buyer terminal 200 displays a connected commodity order web page, and can perform product selection and order request according to the user's menu or key operation.

Referring to FIG. 3 (d), in response to an order request of the buyer terminal 200, the order details including the selected goods and the quantity are transmitted to the seller terminal 100 so that the seller can confirm the order details.

3 (e), the purchaser can complete the payment by selecting the payment means for the goods requested for the order through the executed mobile app of the buyer terminal 200 and inputting the six-digit password. The payment means includes a mobile phone payment, a credit card payment, a direct payment, and a QR payment, and the payment method may include fingerprint recognition, iris recognition, facial recognition, and the like as well as password input.

4 is a diagram for explaining a process of using O2O payment of a mobile app according to another embodiment of the present invention.

4 (a) to 4 (b), the purchaser terminal 200 scans a QR code placed in a shop or a store through a mobile application executed by a payment method in a pre-order payment system, It can be instantly connected to an order web page.

Referring to FIG. 4C, the buyer terminal 200 displays a connected commodity order web page, and can perform a commodity selection and an order request according to the user's menu or key operation.

Referring to FIG. 4 (d), the order history including the selected commodity and the quantity according to the order request of the purchaser terminal 200 is transmitted to the seller terminal 100, so that the seller can confirm the order details.

4 (e), the purchaser can settle the settlement in the same manner as the conventional plastic card settlement method through the cardcage size provided free of charge to the seller.

Such virtual token or cipher can be generated based on a block chain. The block chain can be divided into a public block chain and a private block chain.

FIG. 5 is a diagram for explaining the concept of issuing virtual bills according to an embodiment of the present invention.

Referring to FIG. 5, in the present invention, a local virtual currency or a local currency denomination can be issued. Cash issued in the region (local government) and originally sold and sold can be deposited into the area, and local merchants can contribute to regional revitalization by allowing the settlement of local monks.

Even if different virtual tokens are issued in different regions, they can be used in conjunction with each other. A virtual token can be issued based on a private block chain. A private block chain, also called a consortium block chain, is an open block chain that can only be managed by a small number of people, such as banks or public authorities.

For example, other monuments such as Pangyo-mon, Incheon-mon, Siheung-myeon, Busan-myeon, and Gangnam-myeon can be generated in different regions.

FIG. 6 is a view for explaining the concept of issuing global virtual bills according to an embodiment of the present invention.

Referring to FIG. 6, in the present invention, virtual bills or password bills can be issued in global currency. Virtual indicia can be issued based on a public block chain. Here, a public block chain is an open block chain, such as bit coin or etherium, that anyone can participate in mining. It is a technology that makes CryptoCurrency such as Bitcoin, Ripple, Ethereum, and Dash that we know.

The features, structures, effects and the like described in the embodiments are included in one embodiment of the present invention and are not necessarily limited to only one embodiment. Furthermore, the features, structures, effects and the like illustrated in the embodiments can be combined and modified by other persons skilled in the art to which the embodiments belong. Therefore, it should be understood that the present invention is not limited to these combinations and modifications.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of illustration, It can be seen that various modifications and applications are possible. For example, each component specifically shown in the embodiments can be modified and implemented. It is to be understood that all changes and modifications that come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein.

100: Seller terminal
200: Buyer terminal
300: service server
400: Database

Claims (14)

Registering the merchant information including the store and the merchandise information using the seller exclusive mobile app by the seller terminal;
Displaying the registered shop and product information using a shopper exclusive mobile app by a shopper terminal;
Selecting a product from the displayed product information and reserving or ordering the selected product; And
And paying the reserved or ordered merchandise using a pre-issued virtual token. The method according to claim 1,
Wherein the registering step comprises:
Registering the seller information after registering with the seller through the seller-specific mobile app,
And generating a QR code (Quick Response Code) that the buyer can interlock with the goods order web page based on the registered seller information. 3. The method of claim 2,
Wherein the displaying comprises:
A QR code arranged in the shop is scanned through the mobile app for exclusive use by the purchaser,
And displaying the merchandise information through the linked merchandise order web page. The method according to claim 1,
Wherein the step of paying comprises:
Buyer does not visit store directly, but searches and selects stored store and product information using buyer's mobile app by buyer's terminal, and makes payment service using reservation, pre-order, pre-paid, Methods for providing. The method according to claim 1,
Wherein the virtual token is issued by a service provider and the exchange value is predefined, using a virtual token based mobile app. The method according to claim 1,
The method for providing a payment service using a virtual token-based mobile application, wherein the virtual token can be purchased and rented through a financial company capable of credit inquiry and capable of credit business. The method according to claim 1,
Wherein the virtual tokens are issued as different virtual tokens for different regions, and the plurality of regions can be used in cooperation with each other. A seller terminal for registering merchandise information including a shop and merchandise information using a seller-specific mobile app;
Displaying the registered shop and product information by using a mobile app dedicated to the purchaser, selecting a product from the displayed product information, reserving or ordering the selected product, and paying the ordered product using previously issued virtual tokens A purchaser terminal; And
And a service server for providing the seller-specific mobile app, the mobile application exclusively for the buyer, and the generated QR code and the displayed product information. 9. The method of claim 8,
The seller terminal,
Registering the seller information after registering with the seller through the seller-specific mobile app,
And a QR code (Quick Response Code) capable of being linked to the product order web page by the buyer based on the registered seller information. 10. The method of claim 9,
The buyer terminal,
A QR code arranged in the shop is scanned through the mobile app for exclusive use by the purchaser,
And displaying the merchandise information through the linked merchandise order web page. 9. The method of claim 8,
The buyer terminal,
Buyer does not visit store directly, but searches and selects stored store and product information using buyer's mobile app by buyer's terminal, and makes payment service using reservation, pre-order, pre-paid, Methods for providing. 9. The method of claim 8,
Wherein the virtual token is issued by a service provider and the exchange value is predetermined. 9. The method of claim 8,
The system for providing a payment service by using a virtual token-based mobile app that can be purchased and rented through a financial institution capable of credit inquiry and capable of credit business. 9. The method of claim 8,
Wherein the virtual tokens are issued as different virtual tokens for each region and can be used in cooperation among a plurality of regions.

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