KR20200000907U - Smart Phone WEB, APP Software automatic payment system communicating 1:1 to a small wireless mobile server - Google Patents

Abstract

The present invention develops and supplies an ultra-small wireless 1: 1 seller-only server for the seller to carry, to help the payment with the consumer, without interlocking H / W terminal, OCR vector data in the Smart Phone APP, WEB Software This device, combined with the recognition processing technology, makes it easy to utilize the payment system.This device can be linked with financial institutions and registers automatic distributed deposit processing according to payment processing and seller distributed payment request and sales sharing function for sales activation. A schematic representation of possible products. After the seller registration authentication, it is possible to have a 1: 1 seller-only server, and when the switch is turned on, power is supplied through the built-in power supply, and it is automatically connected through the detection of WiFi communication with Smart Phone APP, WEB Software, and Button 1 and It can be shared with consumers through 2, and it automatically communicates with Smart Phone APP and WEB Software when making payments. The CPU is processed according to the settings stored in the RAM, and the details are automatically executed even in the absence of the main server according to the preset contents such as location recognition storage.

Description

Smart Phone WEB, APP Software automatic payment system communicating 1: 1 to a small wireless mobile server}

The present invention relates to a method of easily solving a problem according to payment convenience and directly operating a high-cost payment server that requires continuous security maintenance and introduction of advanced personnel, and profits by selling payment service brokers and products It is a payment system for product sellers who want to take.

In more detail, if a large number of Smart Phone users connect to the main server managed by the head office and install WEB and APP Software for the first time, it is a seller or consumer through the automatic distinction authentication program among users who installed WEB and APP Software. When automatically distinguishing between cognitive and direct payment servers, it is automatically assigned a unique ID and owns a small wireless server 1: 1 separately, so that the seller registers the product directly on the Smart Phone WEB, APP Software, and distributed distribution calculation If you register your address in advance, it is automatically saved 1: 1 on the main server and the portable ultra-compact wireless server, and then manages the continuous sales payment by the portable ultra-compact wireless server and Smart Phone WEB, APP Software's seamless 1: 1 communication. Is done.

Consumers must select the required product from among products delivered by the seller's portable wireless server and the product display sharing key (button, phone, QR, etc.) of the Smart Phone WEB, APP Software, and be connected separately from the smart phone when making payment. You can easily make payments simply by recognizing the camera in the Smart Phone WEB and APP Software equipped with OCR technology without any recognition and authentication equipment. Security verification is completed by deleting payment related information in the Smart Phone WEB and APP Software at the same time that payment recognition is completed with the ultra-small wireless server, and consumer payment is easily completed.

In the case of the payment of the consumer 100 of FIG. 2 according to the purchase of a product, in general, due to the transaction payment relationship between the seller 400 and the consumer 100 of FIG. 2, the inconvenience of carrying in the changing technology leading from the PC to the smart phone Product sellers 400 want, and many payment related companies have developed and distributed a payment system that works with a smart phone that is easy to carry. However, despite the efforts of many payment-related development companies, when using simple payment, it is recognized as a problem that payment is still difficult because it does not satisfy the needs of the seller 400 and the consumer 100, and the simple payment of these consumers 100 The demand is evolving, and there are difficulties in development, such as the complexity of the financial-related company 600 system, interlocked development with diversity, and easy use of the consumer 100 to provide development according to the desire. In particular, the problem of managing payment interlocking relay server (DD) after the development of payment relay server (DD) operators in FIG. 4 is connected to consumer security, replenishing personnel required for maintenance, and all user services when stopping relay server (DD) Due to the significant cost of maintaining operations, such as suspension, there is no choice but to share a considerable amount of usage fees that are burdensome when used by single entrepreneurs, small, medium, and small companies. In the case of payment agency by consignment sales of products such as shopping malls, it can be said that the problem of direct management of distributed deposit management is poor in terms of efficiency in introducing a payment system. Fig. 4 is a description of products related to payment in circulation according to credit card payment VAN technology, which is a simple financial affiliate, and sellers have received credit card recognition terminals (AA, BB) officially released by service relay companies after applying for VAN service to receive payment. ) And purchase it separately and connect it with a smart phone (CC). In the method of connecting with the Smart Phone (CC), the method of directly connecting the earphone jack (AA) of the Smart Phone (CC) and the wireless connection method using Bluetooth (BB) are commonly used, and thus the earphone jack connected with the Smart Phone (CC) When payment is made by entering the amount to be paid on the (AA) and Bluetooth (BB) terminals, the payment amount information is transmitted to the relay server (DD) and the financial institution through the smart phone (CC), and the receipt is received. Payment will be completed after issuance. Payment information received through the relay server (DD) is notified to each connected financial affiliate and receives payment after a certain period of time. The problem is that financial institutions can provide seamless services based on abundant funding power, but it is true that relay server (DD) service providers have a higher frequency of occurrence of problems with the relay server (DD) than financial institutions. Using the relay server (DD), sellers using the payment service are restricted from using the service when the relay server (DD) is stopped, and payment proceeds even if there is a problem with the connected earphone jack (AA) and Bluetooth (BB) terminal. You will experience the difficulties of In addition, in the case of a seller who sells a product, there is a inconvenience in that it is necessary to re-deposit to the manufacturers and distribution-related companies that are already trading after receiving the payment. After payment, there is a high possibility of falling into the temptation to use the deposited amount in advance, which increases the likelihood of problems in company transaction credit. In terms of the consumer payment process, there is the inconvenience of waiting for the time required to connect the earphone jack (AA) and the Bluetooth (BB) terminal to the smart phone (CC), and there is also a problem that payment is difficult when face-to-face.

The present invention, as described above, the payment interlocking terminal (AA, BB), etc. of FIG. 4, which has a cost burden when constructing a payment system, purchase and payment time, or payment security and automatic settlement problems, and distributed deposit-related parts Invented to solve easily, the object of the present invention is the smart phone WEB, APP Software of FIG. 2 even when a problem occurs in the relay server (DD) of FIG. 4 operated by a service providing company using a payment relay server (DD) Payment is possible with the 1: 1 ultra-compact wireless server of FIG. 3 carried by the seller 400 of FIG. 2 linked with the 200, and after the main relay server (DD) is restored, in the 1: 1 ultra-compact wireless server of FIG. The information necessary for recovery can be easily taken, and the seller 400 in FIG. 2 carries the corresponding payment cost to be allocated to production, distribution, and sales companies according to the purchased product when the consumer 100 purchases the product on / offline. Simultaneously in time (900) Requests for automatic distribution and payment to the designated deposit point in advance to the relevant company, etc., and automatically notifies and deposits the payment information to the financial institution 600 and the governmental institution 700 to prevent corporate defaults through transparent management and smooth funds 3, for reliable consumer 100 secure payment using OCR vector data recognition processing technology linked with advanced Smart Phone WEB, APP Software, and simple service use. Mobile 1: 1: When Smart Phone WEB, APP Software 200 of FIG. 2, which is linked with a small wireless server, is installed, consumers 100, seller 400 of FIG. 2 can be automatically identified and the seller 400 can be directly designated. It is necessary to provide a service for stable and simple operation for the sellers 400 for the distributed payment system A10 of FIG. 1 and the courier delivery 800 of FIG. 2 and the re-distributed storage method on the main server 500. .

In order to achieve the above object, technically, a portable 1: 1 ultra-compact wireless server in FIG. 3 is manufactured and a smart phone WEB, APP Software (A10) in FIG. 1 is interlocked with a function implementation, and a separate recognition terminal as shown in FIG. 4 ( AA, BB) is capable of making payments without the need to purchase a smart phone WEB of FIG. 1, characterized in that the OCR vector recognition technology in APP Software (A10) is developed and installed.

According to the above configuration and method of the present invention, when a consumer purchases a product on / off, through Smart Phone WEB, APP Software, the smart phone performs payment with excellent security called OCR vector recognition payment and the easiest method. In addition, the introduction of the present invention will help to increase sales, and the seller is a financially related institution that can real-time believe in the corresponding payment cost to be allocated for each production, distribution, and sales company according to the consumer purchase product. By distributing payments through, and notifying financial institutions and government agencies of this payment, and providing automatic backup inquiry services to 1: 1 portable ultra-small wireless authentication servers and main backup servers, it is also possible to operate non-face-to-face payment servers directly at low cost. do. In particular, it is possible to prevent corporate defaults through transparent management, which acts as a distrust to a single founder, and to increase credit and management through smooth and rapid flow of funds. For payment relay companies that need to develop and operate a payment system, if only the wireless 1: 1 mobile server linked with the Smart Phone WEB and APP Software is supplied, when the main server in operation stops working, the wireless 1: 1 mobile server is the only one. As payment is possible, it is possible to flexibly cope after the problem server is restored.

Figure 1
A schematic configuration diagram of a payment system capable of linking payments and processing automatic distributed deposits, linked with financial institutions using OCR vector data recognition processing technology by the seller mobile 1: 1 dedicated server and Smart Phone WEB, APP Software of the present invention.
Figure 2
Seller's mobile 1: 1 dedicated server of the present invention and connection with an organization by Smart Phone WEB, APP Software, connection form and overall process configuration diagram.
Figure 3
Design drawing of a portable wireless 1: 1 server board for sellers to be achieved by the present invention.
Figure 4
Connection diagram of Smart Phone interlocking product operation that is used in distribution in the existing payment market

It is achieved by the present invention, and according to FIG. 2 of the present invention, among a plurality of smart phone users 100, the smart phone WEB, APP software 200, the distribution payment start-up system, Smart Phone WEB, APP Software (200 ) Through the distinct authentication of the seller 400 having the 1: 1 ultra-compact wireless server 300, and automatically grants the authentication ID, and the user registers the product using the Smart Phone WEB, APP Software 200 A server and a seller that designates the amount of payment to be distributed by product sold by the city seller 400 for each product manufacturer, distributor, and referral company 900, and notifies the financial institution 600 and the government institution 700. (400) Dedicated 1: 1 ultra-compact wireless server 300, and the main, backup server 500 is made, including a network that connects wired and wireless. At this time, the 1: 1 ultra-compact wireless server 300, the authentication server to check the authentication of the user of the Smart Phone WEB, APP Software 200, and the seller 400 of the Smart Phone WEB, APP Software 200 users automatically Distinct server, and distribution payment registration server where the seller 400 simultaneously allocates and pays in real time to each of the predetermined companies among the payment costs of the corresponding product when the product is registered and the consumer pays after purchasing the product and performed by the distributed payment server And a notification server 500 that notifies and backs up the payment information in advance to the financial institution 600 and the government institution 700.

According to another aspect of the present invention, a plurality of Smart Phone users 100, and when purchasing and paying for a product of a consumer 100 using the Smart Phone WEB, APP Software 200, 1: 1 ultra-small processing the payment cost The distribution payment method using the Smart Phone WEB, APP Software 200 including the wireless server 300,

The step of installing the plurality of Smart Phone users (100) Smart Phone WEB, APP Software (200),

The step of connecting the plurality of Smart Phone users 100 to the 1: 1 ultra-compact wireless server 300,

Authenticating whether the person connected to the 1: 1 micro wireless server 300 is a consumer 100 or a seller 400;

The seller 400 directly registers the product using the Smart Phone WEB, APP Software 200,

The seller 400 sharing the Smart Phone WEB, APP Software 200 and the Smart Phone WEB, APP Software (200) page with the shared key consumer 100 of the 1: 1 micro wireless server 300,

The consumer (100) using the shared Smart Phone WEB, APP Software (200) page to purchase a product on / off, and

Using the shared Smart Phone WEB, APP Software (200) page, a step of installing a Smart Phone WEB, APP Software (200) connected to the 1: 1 micro wireless server (300)

Payment by the consumer (100) who installed the Smart Phone WEB, APP Software (200),

After the payment of the payment is notified in real time to the manufacturer, distributor, and introduction company 900 of the product in a distribution structure specified by the seller 400 in advance, the distribution payment is notified in real time. It consists of the steps of requesting and backing up payment information to financial institutions 600 and government institutions 700.

At this time, in the step where the consumer 100 pays with the Smart Phone WEB, APP Software 200, the conditions set by the seller 400 (by the amount of money, period, product, and another seller shared by the date and time, minute and second frame) Payment is granted, and the payment conditions that are normally set are made by OCR vector recognition payment included in the Smart Phone WEB, APP Software 200.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying FIG. 1.

The present invention is a payment system using a 1: 1 ultra-compact wireless server (A20) and a Smart Phone WEB, APP Software (A10), and a consumer (C40) and the 1: 1 ultra-compact through the Smart Phone WEB, APP Software (A10). This includes TCP / IP that notifies the seller (A10) who owns the wireless server (A20) and the financial institution (B40) and connects the backup server (A30), etc. in real-time or wirelessly. Any number of Smart Phone users (C40) Anyone accessing a TCP / IP network, installing Smart Phone WEB, APP Software (A10), and among consumers (C40) who installed Smart Phone WEB, APP Software (A10) 1: 1 In order to own the ultra-small wireless server (A20), the application stage, the completion stage of becoming a seller (A10) after receiving the application among the consumers (C40), 1: 1 becomes the seller (A10) owning the ultra-small wireless server (A20) , Product registration is possible directly through the Smart Phone WEB, APP Software (A10), and when registering the product, pre-register the distributed distribution deposit point for each manufacturer, distributor, and introduction company, Smart Phone WEB, APP Software (A10) The button shared key connected to the 1: 1 ultra-compact wireless server (A20) to a number of consumers (C40) using the smart phone WEB, APP Software (A10), and then automatically sent to the consumer (C40) through the shared key On the sale product page, face-to-face, non-face-to-face, and sales payments are possible. rt Phone WEB, real-time all settlement and inquiry management in APP Software (A10), when consumer (C40) purchases a product, activates OCR vector data recognition processing technology in Smart Phone WEB, APP Software (A10) during payment After payment optional application step, the main server (A30), 1: 1 ultra-compact wireless server (A20), directly check the payment history notified to financial institutions (B40) through Smart Phone WEB, APP Software (A10),

When the product sold by the seller A10 is purchased online or offline by the consumer C40 using the Smart Phone WEB, APP Software (A10), the 1: 1 ultra-compact wireless server A20 is pre-assigned to the selling price. The step of connecting deposit requests and notifications to the financial institutions (B40) for each manufacturer, distributor, and introduction company, that is, the 1: 1 ultra-compact wireless server (A20) is automatically linked with the main server backup server (A30), and the main Even when the server A30 is stopped, the distributed distribution payment server is taken over. That is, even when the server A30 is stopped, in addition to the automatic identification authentication of the seller A10, it is used to manage distributed and distributed payments by a plurality of sellers A10.

If the consumer (C40) uses another person's phone instead of his / her own phone, prevent use and credit card fraud: 1: 1 illegal wireless servers (A20) can immediately know where the fraudulent use was made. As a notification service, real-time interworking with financial institutions (B40) is also possible. In particular, it is equipped with a coded year, date, minute and second frames and a reader password system of a mobile phone number on a 1: 1 ultra-compact wireless server (A20) to provide security and convenience for interworking with other services.

In addition, the 1: 1 ultra-small wireless server A20 also performs a function of notifying the financial institution (B40) of the information on the performed payment, which is the verification right and the seller (A10) according to the product purchase of the consumer (C40). Because it is in accordance with the management convenience of financial institutions, it is possible to expect a transparent tax line to be formed by notifying financial institutions (B40) and profits paid to manufacturers, distributors, and referral companies directly to the government agency, the National Tax Service (B40). to be.

Referring back to Figure 2

The distribution payment flow method using the Smart Phone WEB, APP Software 200 according to the present invention will be described in detail.

Smart Phone WEB including a 1: 1 ultra-compact wireless server 300 exclusively for sellers, where a consumer 100 using a plurality of Smart Phones processes the payment cost when purchasing a product through Smart Phone WEB, APP Software 200, In the distributed distribution payment method using the APP Software 200, when the consumer 100 accesses the 1: 1 micro wireless server 300 through the Smart Phone WEB and APP Software 200, the authentication step of the seller 400 of the visitor is performed. Will go through. Thereafter, the seller 400 authentication step is to automatically distinguish the seller 400 by the automatic identification authentication program whether the consumer 100 or the seller 400 in the 1: 1 micro wireless server 300, and the registered seller 400 Registers the product to be sold to the consumer 100 directly on the Smart Phone WEB, APP Software (200). At this time, the use of another person's phone without using the user's phone, or when using a credit card fraudulently, the consumer 100 and the seller 400 can be identified immediately.

In the Smart Phone WEB, APP Software 200 shared by the seller 400, the consumer 100 searches for the product on / offline and then purchases the product. In more detail, when the consumer 100 examines the product, TCP / IP, etc. In the case of purchasing goods online by using, there may be a case of using a purchase procedure according to common e-commerce URL sharing, and the payment is recognized by OCR vector data recognition processing technology using Smart Phone WEB, APP Software (200). After payment is made, it is automatically linked to the financial affiliate 600 through 1: 1 micro wireless server 300 and main and backup server 500.

In the step of payment by the consumer 100, the seller 400 grants the preset conditions. The conditions of the seller 400 may be classified by payment amount, period, and product, but more specifically, the user Optionally, it is automatically stored in the main server 500, 1: 1 ultra-small wireless server 300, Smart Phone WEB, and APP Software 200.

When the consumer 100 purchases and pays for the product, the payment cost is determined according to the vendor 400 that the seller 400 deals with, the manufacturer, distributor, and referral company 900 that manufactures and manufactures the product. In the real time, the payment of the distribution is made at the same time. If the manufacturer 900 sells it directly, it is excluded from the distribution profit distribution. Finally, in order to obtain payment of the financial information related to the purchase of the product of the consumer 100 by the payment payment information of the distributed payment, the main server 500 that is automatically interlocked, the 1: 1 ultra-compact wireless server 300 In the above, the financial affiliate 600 will be notified. As described above, a transparent tax line is provided by notifying the government agency, the National Tax Service 700, of the profits paid in case of distribution by each depositor such as the manufacturer 900 according to the payment stage. Because it is expected to form.

When the seller 400 applies the product shared through the Smart Phone WEB, APP Software 200, and the consumer 100 orders payment, and the consumer 100 applies to the Smart Phone WEB, APP Software 200, 1: 1 Automatic delivery connection is possible with the automatic courier (800) system connected to the ultra-compact wireless server (300). And once the payment of the financial affiliate 600 of the seller 400 is obtained, all processes are processed in the Smart Phone WEB, APP Software 200 and 1: 1 ultra-compact wireless server 300 and the main and backup server 500. It is automatically saved. This is to prevent the service from being stopped due to abnormal devices such as the main and backup servers 500.

1
A10: Seller WEB, APP application
A20: Seller automatic identification authentication
A30: Main server backup server
B40: Financial affiliates
C40: Consumer not a seller
Fig. 2
100: consumer
200: WEB, APP Software installer
300: a miniature portable wireless 1: 1 server for 4 people
400: seller
500: relay company main server
600: Affiliates related to financial payment
700: IRS notification linkage
800: Courier service
900: Related companies such as seller manufacturing
3
Switch (Execute)
Button 1 (shared key)
Button 2 (shared key)
Wi-Fi (TCP / IP connection)
Antenna (recognition of short-range device connection)
GPS (Location Recognition)
CPU (program operation processing)
RAM (program storage)
Power supply
4
AA: A credit card recognition terminal that connects directly to a smart phone with an earphone terminal
BB: A credit card recognition terminal that wirelessly connects to a smart phone using a Bluetooth terminal
CC: Smart Phone
DD: Relay server

Claims (4)

3 in a system for automatically distinguishing between consumers and sellers through 1: 1 ultra-compact wireless server and Smart Phone WEB, APP Software linkage;
Any of the Smart Phone users, the 1: 1 ultra-compact wireless server that is automatically linked upon request using Smart Phone WEB, APP Software, includes TCP / IP that connects wired or wirelessly. It is a system that automatically authenticates when the connection is driven by automatically encrypting the date and time and minute frames and mobile phone numbers of the Smart Phone WEB, APP Software as the authentication of the 1: 1 ultra-small wireless server. The method of claim 1, wherein the 1: 1 ultra-small wireless server and Smart Phone WEB, APP Software interworking consumer, product purchase and payment
After the payment of the consumer purchase product in accordance with the contents of the pre-registration designated by the seller who has the 1: 1 ultra-small wireless server, the real-time distribution payment request is made to each distributed distribution deposit consignment account specified in advance, and each 1: 1 linked with financial affiliates Operation of an ultra-compact wireless server, and automatic deposit of information to the financial institution and government agency, and a pre-designated courier delivery system, which is carried out in the distributed payment server. Distribution payment system. Smart Phone WEB linked with a number of 1: 1 ultra-small wireless servers, sellers using APP Software, and the main server that processes the payment details when the consumer purchases products, and Smart Phone WEB including 1: 1 ultra-small wireless servers , In the distribution payment method using APP Software,
A step of automatically accessing the payment main server by a seller using Smart Phone WEB, APP Software when the 1: 1 ultra-compact wireless server is interlocked;
Automatically authenticating that the main server is a seller when the seller using the Smart Phone WEB, APP Software accesses a 1: 1 ultra-compact wireless server;
Direct product registration through the Smart Phone WEB, APP Software, and deposit consignment registration step by location;
Sharing to the consumer to selectively purchase a product on / offline; In the sharing step, the smart phone WEB, APP software automatically recognizes QR sharing and phone calls (incoming, outgoing), and automatically and manually transmits the shared WEB and APP pages in URL format, etc., and the phone number after transmission. CRM (customer relationship management) processing step of automatically storing in Smart Phone WEB and APP Software by the date and time and minute and second frames, and sharing Smart Phone WEB and APP Software pages to consumers with the share button key of the 1: 1 ultra-compact wireless server ;
Automatically detecting processing when the consumer selects OCR vector recognition payment in Smart Phone WEB, APP Software;
A step in which the seller can simultaneously register the distribution amount when registering the corresponding product to be supplied for the purpose of depositing the dividends to the manufacturers, distributors, and introduction companies of the purchased product by distributing the payment cost;
When the camera, which is a consumer payment method, is driven, the OCR vector is automatically recognized and the card image is automatically deleted;
Notifying the financial institution and the government institution of the payment information of the distributed payment and storing each log block in a 1: 1 ultra-compact wireless server and a main backup server; Attempt to absent, such as the main and backup server failures. Distribution payment method characterized in that payment is made only with a 1: 1 ultra-compact wireless server connected to Smart Phone WEB, APP Software. According to claim 3, In the step of payment of the 1: 1 ultra-compact wireless server and Smart Phone WEB, APP Software, the seller is pre-set (by payment amount, period, product, and another seller shared by the date, time, minute and second frame) Distribution payment method, characterized in that to give a condition. The conditions pre-set by the user are divided into payment amounts, periods, products, and another seller sharing by the year, date, minute, and second frames.

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