KR20190140698A - Mobile Payment and Tax Refund System Using QR Code and Method thereof - Google Patents

Abstract

The present invention relates to a mobile payment and tax refund system using a QR code and a method therefor and, more specifically, to a system allows mobile payments and tax refunds to be easily carried out by a user by using QR codes according to purchase of goods or service use of a user (foreigner); and a method therefor. According to an embodiment of the present invention, the mobile payment and tax refund system using a QR code comprises: a merchant calculator which receives a payment amount, generates a QR code necessary for payment and tax refund, outputs the same to a monitor, and issues a refund receipt and payment receipt; a mobile terminal which is possessed by a user (foreigner) who has purchased goods from a merchant, and configured to retrieve credit card information and recognize the QR code generated by the merchant calculator to transmit payment request acceptance information to a payment request server; and the payment request server which performs a tax refund process through a TaxVAN company server and a customs service server when receiving the payment request acceptance information from the user terminal, performs a payment process through a credit card company server, and transmits the result to the merchant calculator and the user terminal.

Description

Mobile payment and tax refund system using QR code and its method {Mobile Payment and Tax Refund System Using QR Code and Method

The present invention relates to a mobile payment and tax refund system and a method using a QR code, and more particularly, according to the user's (foreigner's) purchase of goods or service use behavior using a QR code and easy mobile payment and A system and method for allowing tax refunds to be made.

Recently, as international exchanges have become more active and foreign travel has become more common, shopping in foreign department stores and airport terminals has become more frequent.

When shopping in a foreign country, that is, when a Korean purchases a product in a foreign country, or vice versa, a foreigner comes to Korea and buys a product, a portion of the tax on the product can be refunded.

Specifically, in Korea, according to the `` VAT and Special Excise Tax Exemptions for Foreign Tourists, '' foreign tourists or overseas Koreans who bought goods at the 9,000 sales outlets designated by the National Tax Service, such as department duty-free department stores as well as duty-free duty-free shops, were designated by the National Tax Service. After departure procedures, tax refunds are made immediately before departure at the refund counter in the bonded area of the departure hall.

In addition, in Korea, a VAT refund service (pre-refund), in which a post-exemption duty-free shop deducts and pays taxes immediately when purchasing goods, is the same as a duty-free shop in downtown, which is a pre-tax duty free shop. It is introduced and implemented in accordance with the regulations.

As a result, foreign tourists can purchase with the exclusion of VAT at the site where the merchant purchased the goods. This immediate tax refund service allows foreign tourists to receive tax exemption benefits at stores, excluding 10% VAT, if they purchase goods over 30,000 won or less than 300,000 won per purchase during the period of stay. .

To do this, the foreigner who purchases must have a passport for identity verification so that the sales clerk can recognize this through the passport reader and receive a refund.

On the other hand, there is a company that provides tax refund in the process of refunding foreign tax, and the company that is authorized to operate the refund window is performing Tax Refund through the Korea Customs Service.

Hereinafter, these refund counter operators are collectively referred to as TaxVAN.

As shown in FIG. 1, when a foreign card purchaser pays for a credit card using a terminal of the affiliate store 10, the affiliate store 10 makes a tax refund approval request through the TaxVAN company 40 and the TaxVAN company ( 40) proceeds with the tax refund procedure after checking with the Korea Customs Service (50).

At this time, if a foreigner receives a refund before or after using a tax refund, the tax refund fee using the refund system is paid by a foreigner who is a tourist, and the tax refund fee is settled by the credit card company 30 at the merchant merchant 10. The deposit is included when depositing the money.

The merchant 10 that collects the payment must directly pay a predetermined tax refund fee to the TaxVAN company 40 according to the tax refund procedure, and the TaxVAN company 40 charges the monthly or unit fee to the merchant. In accordance with the merchant 10 pays a tax refund fee.

By the way, such a conventional system has to be equipped with various readers, for example, credit card reader and barcode or QR code reader in the merchant, the system implementation cost for payment and tax refund is expensive, and facilities such as VAN company 20 are necessary. In addition, it is difficult to implement a system in an outdoor simple merchant (store) such as a mountain or the sea, not an indoor.

In addition, since the merchant is not the user (foreigner), the credit authorization is made (for example, reading credit card information or barcode (QR code) information at the merchant), there is a fear that the user (foreigner) information is exposed.

Korean Laid-Open Patent Publication No. 10-2004-0089769 (published October 22, 2004)

The present invention has been made in order to solve the above problems, there is no POS terminal, QR code (bar code) reader or credit card reader system implementation cost for payment and tax refund is low, do not need facilities such as VAN company In addition, the purpose of the present invention is to provide a mobile payment and tax refund system and method using a QR code that can be implemented in the outdoor simple merchants (shops), such as mountains or the sea, not indoors.

In addition, another object of the present invention is a POS terminal, QR code (bar code) reader or credit card reader, there is no payment information only through the application (app) and the application of the merchant (calculator) terminal according to the QR code recognition As the credit authorization is exchanged through the application of the user terminal (since credit card information is not provided to the merchant calculator), the user's initiative can prevent exposure of other information of the user (without the risk of hacking). ) To provide a mobile payment and tax refund system and method using a QR code.

Mobile payment and tax refund system using a QR code according to an embodiment of the present invention for achieving the above object, as a calculator of a merchant network connected to a network of TaxVAN company performing Tax Refund (TaxRefund) business through the Customs Service, Merchant calculator that receives the payment amount and generates a QR code required for payment and tax refund and output to the monitor, and issues a refund receipt and payment receipt;

A mobile terminal possessed by a user (foreigner) who purchases an article at a merchant, the mobile terminal comprising: retrieving credit card information and recognizing a QR code generated by the merchant calculator to transmit payment request acceptance information to a payment request server; And

Upon receiving payment request acceptance information from the user terminal, the tax refund process is performed through the TaxVAN company server and the Customs Service server, the payment process is performed through the credit card company server, and the payment request server transmits the result to the merchant calculator and the user terminal. ;

It is configured to include.

In addition, the QR code includes merchant information, amount information, tax refund information, and all of them are encrypted.

In addition, the merchant calculator is provided with a cashier monitor and two user monitors, characterized in that the QR code is output to the user monitor.

When the user terminal recognizes the QR code, the affiliated store, the payment amount, and the payment acceptance menu are output together with the QR code on the screen of the user terminal.

Mobile payment and tax refund method using a QR code according to an embodiment of the present invention, (a) when the user (foreigner) to pay at the merchant, the step of entering the payment amount in the merchant calculator;

(b) generating a barcode by selecting self-registered credit card information in the user terminal and selecting a QR code menu;

(c) generating a QR code in the affiliated calculator and outputting the QR code to a user monitor of the affiliated calculator;

(d) recognizing the QR code output to the user monitor by executing the QR code recognition app installed on the user terminal;

(e) accepting payment by checking a merchant and a payment amount at the user terminal and transmitting payment request acceptance information to a payment request server;

(f) The payment request server requests the tax server to approve the tax refund through the TaxVAN company server, and requests the credit card company server to approve the credit card for the payment amount, and notifies the tax refund and approval of the payment, respectively. Transmitting the same to the affiliated store calculator and the user terminal if received; And

(g) issuing a payment receipt and a refund receipt in the merchant calculator;

It is configured to include.

In addition, the step (b) is characterized in that a bar code and a QR code menu is generated when a password for payment is selected by selecting any one of the plurality of credit cards registered in the user terminal. do.

In the step (d), the QR code recognition accesses the OpenGL video DRM buffer in the video memory area, copies the video memory and processes the monochrome image to detect the QR code area, and determines the QR code to determine the QR code. That is, the data is extracted from the mobile app card number.

According to the above-mentioned solution, there is no POS terminal, QR code reader or credit card reader, so the system implementation cost for payment and tax refund is low, and facilities such as VAN company are not needed, and it is not indoor. The system can also be implemented in simple outdoor stores such as mountains and the sea.

In addition, since there is no POS terminal, QR code (bar code) reader or credit card reader, payment information is exchanged only through the application (app) of the merchant calculator according to the recognition of the QR code and the application of the user (foreign) terminal. Since the connection is made through the application of the user terminal (since credit card information is not provided to the merchant calculator), the user can prevent exposure of other information of the user (there is no risk of hacking).

1 is a view showing an approval process including a merchant and a TaxVan company and a deposit of a fee in the conventional foreign payment and tax refund.
2 is a block diagram of a mobile payment and tax refund system using a QR code according to an embodiment of the present invention.
3 is a flowchart illustrating a method for recognizing mobile app card information according to an embodiment of the present invention.
Figure 4 is a flow chart illustrating a mobile payment and tax refund method using a QR code according to an embodiment of the present invention.
5a to 5i are exemplary views of an output screen for explaining the mobile payment and tax refund method according to the present invention.

Hereinafter, the configuration and operation of the present invention will be described with reference to the accompanying drawings.

It should be noted that the same elements among the drawings are denoted by the same reference numerals and symbols as much as possible even though they are shown in different drawings.

In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, when a part is said to "include" a certain component, this means that it may further include other components, except to exclude other components unless otherwise stated.

2 is a block diagram of a mobile payment and tax refund system using a QR code according to an embodiment of the present invention.

As shown in Figure 2, the mobile payment and tax refund system using a QR code according to an embodiment of the present invention merchant 100, user terminal 200, payment request server 300, credit card company server 400 , TaxVAN company server 500 and Customs Service server 600 is configured to include.

The merchant calculator 100 is a calculator of a network that is connected to a network of TaxVAN company where a company authorized to operate a refund window is performing Tax Refund through the Korea Customs Service.

The merchant calculator 100 generates and outputs a QR code for payment through an app installed inside the merchant calculator 100 when there is no POS terminal installed in the merchant (store), and in particular, the merchant calculator 100 includes two A monitor (a clerk's monitor and a user's monitor) is provided.

At this time, the QR code generated in the merchant calculator 100 includes merchant information, amount information, tax refund information, and all the information is encrypted with, for example, AES-CBC 256bits.

Here, the merchant information is a merchant registration computer code, the amount information is a product purchase amount, and the tax refund information is a post refund merchant code.

The merchant calculator 100 receives the payment amount and generates a QR code and outputs it to the monitor for the user.

In addition, when the merchant calculator 100 receives the tax refund and approval for payment, it issues a refund receipt and a payment receipt and provides it to the user.

The user terminal 200 is a mobile terminal possessed by a foreigner who has purchased goods from the merchant, and stores the mobile passport information itself, and recognizes the QR code generated by the merchant calculator 100 through the app to recognize the merchant and the payment amount. After confirming and accepting the payment request, the payment request server 300 transmits this payment request acceptance information (including credit card and mobile passport information).

Here, the mobile passport may be configured by encrypting the information extracted in advance from the real passport having the information of the foreign buyer (user) by electronically.

In other words, the information obtained by recombining the information of the real passport is converted into an encrypted barcode, and stored in a smartphone or printed on a paper sticker or printed on a wristband and configured to be used while riding around.

The mobile passport is stored in a separate mobile passport information server, and when the foreign buyer purchases the goods and the tax refund is made, the identity of the foreign buyer can be easily confirmed.

On the other hand, the mobile passport can be represented in the form of a QR code, a simple authentication number, using such a mobile passport, when using the mobile passport to quickly verify the passport without the need for an authentication device such as a passport reader when checking foreign passport information for tax refund of foreigners It is possible to certify, and foreign tourists can keep a physical passport separately, so there is no fear of loss.

In addition, the user terminal 200 stores a plurality of credit card information for payment, and when a single credit card information is called for on-site payment, a barcode and a QR code menu are generated.

When the payment request server 300 receives the payment request acceptance information from the user terminal 200, the payment request server 300 performs a tax refund (TaxRefund) and a payment procedure.

The TaxVAN company server 500 passes the tax refund request from the payment request server 300 to the Korea Customs Service server 600 to obtain the approval for the tax refund request, and obtains the approval result for the tax refund request from the payment request server. The payment request server 300 transmits the same to the affiliated store calculator 100 and the user terminal 200.

In addition, the payment request server 300 requests the payment of the credit card for the purchase amount to the credit card company server 400, and receives the credit card payment approval from the credit card company server 400 merchant merchant 100 and the user terminal Pass in 200.

In the credit card company server 400, a credit card company includes a domestic prepaid card company, WeChat pay, Alipay, etc., as well as a general credit card company that accepts credit card payments.

At this time, the payment request server 300 automatically selects a payment company (credit card company) through the card number to perform the payment.

3 is a flowchart illustrating a method for recognizing mobile app card information according to an embodiment of the present invention.

First, the user terminal 200 is connected to the Google Play Store or Apple App Store to download the QR code recognition app (PUSHPAY APP) (S302) and install (S304).

At this time, to register the authority for using the home button, automatic execution, or access the video buffer (S306) (S306).

Then press and hold the home button provided in the user terminal 200 to run the QR code recognition app installed (S308).

Next, when the user terminal 300 approaches the QR code of the merchant calculator, the QR code is recognized (S510), and information (mobile app card number) stored in the QR code is extracted (S512).

In more detail, the OpenGL video DRM buffer is accessed from the video memory area, the video memory is copied (reading the video DRM buffer), and the monochrome image is processed to detect the QR code area.

Next, the detected QR code is determined to extract a mobile app card number in the form of QR code data, for example, 2831 0540 8305 439162.

Figure 4 is a flow chart illustrating a mobile payment and tax refund method using a QR code according to an embodiment of the present invention.

When a user (foreigner) purchases an item at a merchant or makes a payment using a service, a payment amount (purchase amount) is input on a payment screen displayed on the clerk's monitor of the merchant calculator 100 as shown in FIG. 5A (S402) ).

Next, the credit card information registered in the user terminal 200 is retrieved (S404).

That is, if one of the credit cards (see FIG. 5B) selects one credit card to be paid (see FIG. 5C) and enters a password for payment (see FIG. 5D), the barcode and QR as shown in FIG. Code menus are created.

If the QR code menu is selected (S406), this fact is transmitted to the merchant calculator 100, and accordingly generates a QR code for payment (S408) and outputs it to the user monitor (see FIG. 5F).

At this time, the QR code includes merchant information, amount information, tax refund information, and all the information is encrypted with, for example, AES-CBC 256bits.

Next, when the user presses the home button of the user terminal 200, the QR code recognition app (PUSHPAY APP) is executed.

Here, after approaching the user terminal 200 to the QR code of the user monitor, select the PUSHPAY menu and recognize this QR code in the user terminal 200 as shown in Figure 5g (S410), QR code, merchants as shown in Figure 5h , Payment amount, payment acceptance menu, etc. are output on the screen of the user terminal 200.

Next, when the user checks the merchant and the payment amount and selects the payment acceptance menu (S412), payment request acceptance information (including credit card and mobile passport information) is transmitted from the user terminal 200 to the payment request server 300 ( S414).

The payment request server 300 accordingly requests for the tax refund to the Customs Service server 600 through the TaxVAN company server 500, and requests the credit card company server 400 to approve the credit card for the payment amount. Upon receiving notification of the tax refund and approval of payment, respectively, it is transmitted to the merchant terminal and the user terminal (S416, S418).

When the merchant calculator 100 receives the tax refund and approval for payment from the payment request server, the merchant calculator 100 issues a payment receipt and a refund receipt as shown in FIG.

As described above, since the credit card information is not provided to the merchant calculator, there is no risk of hacking.

On the other hand, the QR code as described above as an example for the payment, but the bar code can also be used as a payment code, of course.

Although the technical spirit of the present invention has been described above with reference to the accompanying drawings, the present invention has been described by way of example and is not intended to limit the present invention.

In addition, it is obvious that any person skilled in the art may make various modifications and imitations without departing from the scope of the technical idea of the present invention.

100: Merchant Calculator 200: User Terminal
300: payment request server 400: credit card company server
500: TaxVAN company server 600: Customs Service server

Claims (7)

It is a calculator of a merchant network connected to a TaxVAN company network that performs TaxRefund business through the Customs Service, receives the payment amount, generates a QR code for payment and tax refund, prints it out on the monitor, refund receipt and payment receipt Merchant Calculator to issue;
A mobile terminal possessed by a user (foreigner) who purchases an article at a merchant, the mobile terminal comprising: retrieving credit card information and recognizing a QR code generated by the merchant calculator to transmit payment request acceptance information to a payment request server; And
When the payment request acceptance information is received from the user terminal, the tax refund process is performed through the TaxVAN company server and the Customs Service server, the payment process is performed through the credit card company server, and the payment request server transmits the result to the merchant calculator and the user terminal. ;
Mobile payment and tax refund system using a QR code that includes. The method of claim 1,
The QR code includes merchant information, amount information, tax refund information, and the mobile payment and tax refund system using a QR code, characterized in that all are encrypted. The method of claim 1,
Mobile payment and tax refund system using a QR code, characterized in that the merchant calculator is provided with a cashier monitor and two user monitors, the QR code is output to the user monitor. The method of claim 1,
When the user terminal recognizes the QR code, the mobile payment and tax refund system using a QR code, characterized in that the merchant, payment amount, payment acceptance menu is output along with the QR code on the screen of the user terminal. (a) inputting a payment amount in a merchant calculator when a user (foreigner) makes a payment at an affiliated store;
(b) generating a barcode by selecting self-registered credit card information in the user terminal and selecting a QR code menu;
(c) generating a QR code in the affiliated calculator and outputting the QR code to a user monitor of the affiliated calculator;
(d) recognizing the QR code output to the user monitor by executing the QR code recognition app installed on the user terminal;
(e) confirming an affiliate store or a payment amount in the user terminal to accept a payment, and transmitting payment request acceptance information to a payment request server;
(f) The payment request server requests the tax server to approve the tax refund through the TaxVAN company server, and requests the credit card company server to approve the credit card for the payment amount, and notifies the tax refund and approval of the payment, respectively. Transmitting the same to the affiliated store calculator and the user terminal if received; And
(g) issuing a payment receipt and a refund receipt in the merchant calculator;
Mobile payment and tax refund method using a QR code that includes. The method of claim 5,
In step (b), if one of the plurality of credit cards registered in the user terminal selects one credit card to be settled and inputs a password for payment, a QR and QR code menu is generated. Mobile payment and tax refund using code. The method of claim 5,
In the step (d), QR code recognition accesses the OpenGL video DRM buffer in the video memory area, copies the video memory and processes the monochrome image to detect the QR code area, and determines the QR code to determine the QR code data. In other words, the mobile payment and tax refund method using a QR code, characterized in that to extract the mobile app card number.

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