KR20210061886A - Method and system for requesting payment processing using payment application based on location information - Google Patents

Abstract

The present disclosure relates to a payment processing method operating in a user terminal. The payment processing method may include the steps of: obtaining location information of a user terminal; receiving information on a payment application recommended based on the location information of the user terminal; and requesting payment processing using the recommended payment application.

Description

Method and system for requesting payment processing using a recommended payment application based on location information {METHOD AND SYSTEM FOR REQUESTING PAYMENT PROCESSING USING PAYMENT APPLICATION BASED ON LOCATION INFORMATION}

The present invention relates to a payment processing method and system for requesting payment processing using a recommended payment application based on location information of a user terminal, and more particularly, a payment application that can be paid at a store related to the location information of a user terminal. It relates to a payment processing method and system for requesting payment processing using a recommended and recommended payment application.

Simple payment service refers to a kind of fintech that replaces the complicated online payment process that is easy to use online, such as public certificate and ActiveX installation, and allows you to simply complete authentication and pay offline using a smartphone. In addition, since the simple payment service requires authentication or pre-authentication such as authentication code input and biometric information input at the time of payment, the risk of loss is lower than that of a physical card, and the loss can be responded quickly and accurately. have. Due to the advantages of such a simple payment service, the number of simple payment systems in circulation in the market is rapidly increasing.

However, as dozens of simple payment systems have recently been distributed, it is difficult for users to choose one of the simple payment systems distributed, and it is difficult to support all simple payment services in each store. Even, in a specific store, the feature is linked to the simple payment service, and users are forced to use only the simple payment service linked to the corresponding store. In addition, the simple payment service that can be used in a specific store has different discount benefits for each service, and different discount benefits are provided for each store, so it is difficult for users to enjoy such benefits.

The present disclosure provides a payment processing method, an apparatus, and a computer program stored in a recording medium for solving the above problems.

In the payment processing method, device, and recording medium that obtain the location of the user terminal from the user terminal, receive information on the recommended payment application based on the obtained location information, and request payment processing using the recommended payment application. A stored computer program is provided.

Payment processing method of requesting payment processing at the corresponding store using a recommended payment application based on at least one of discount benefit information provided by the store in which the user terminal is located or the history information of the payment application executed or paid in the user terminal, A computer program stored on the device and the recording medium is provided.

A payment processing method, apparatus, and a computer stored in a recording medium in which information on a payment application recommended based on the location information of the user terminal is provided through an instant messaging application running on the user terminal, and executes the payment application based on the provided information. The program is provided.

The present disclosure may be implemented in a variety of ways, including a method, system, apparatus, or computer-readable storage medium storing instructions.

In the payment processing method operating in a user terminal according to an embodiment of the present disclosure, obtaining location information of the user terminal, receiving information on a recommended payment application based on the location information of the user terminal, and recommendation It may include the step of requesting payment processing by using the payment application.

According to an embodiment, receiving information on a payment application recommended based on the location information of the user terminal includes receiving information on a payment application available for payment at a store associated with the location information of the user terminal. can do.

According to an embodiment, the payment application available for payment at the store includes a plurality of payment applications, and the step of receiving information on the recommended payment application based on the location information of the user terminal includes, among the plurality of payment applications, at the store. It may include receiving information on a plurality of payment applications including information on a recommendation priority determined based on the provided discount benefit information.

According to an embodiment, the recommendation priority may be determined based on discount benefit information and a usage history of a payment application used through a user terminal.

According to an embodiment, the method may further include outputting a list of the plurality of payment applications reflecting the recommendation priority to a user terminal.

According to an embodiment, the information on the plurality of payment applications includes discount benefit information for each of the plurality of payment applications, and the step of outputting a list of a plurality of payment applications reflecting recommendation priority to a user terminal includes: And displaying discount benefit information associated with each of the plurality of payment applications together in the list of payment applications.

According to an embodiment, the method may further include pop-up of a payment application related to the highest recommendation priority among the recommendation priorities on the output device of the user terminal.

According to an embodiment, the payment application available for payment at the store includes a plurality of payment applications, and the step of receiving information on the payment application available for payment at the store associated with the location information of the user terminal includes, among a plurality of payment applications, It may include receiving information on the recommended payment application based on the association with the instant messaging application operating in the terminal.

According to an embodiment, the payment application available for payment at the store includes a plurality of payment applications, and receiving information on the recommended payment application based on the location information of the user terminal includes: discount benefit information provided at the store, Output information on the recommended payment application by inputting at least one of the usage history of the payment application used through the user terminal or the association with the instant messaging application running on the user terminal, and the location information of the user terminal into the payment application recommendation model It may include the step of.

According to an embodiment, further comprising the step of outputting connection information for the recommended payment application through a chat window of an instant messaging application operating on the user terminal, and requesting payment processing using the recommended payment application, It may include executing the payment application by selecting connection information for the payment application.

According to an embodiment, the step of checking whether the recommended payment application is installed on the user terminal, and when the recommended payment application is not installed on the user terminal, outputting an installation request for the recommended payment application to the user terminal can do.

According to an embodiment, the step of requesting payment processing using the recommended payment application may include automatically executing the recommended payment application.

According to an embodiment, the obtaining of the location information of the user terminal includes: receiving, by the user terminal, a signal for a MAC address from each of one or more wireless access points (APs), a MAC address, and the received It may include determining the location of the user terminal based on the strength of the signal.

According to an embodiment, the obtaining of the location information of the user terminal includes: receiving a broadcasting signal from a beacon device, connecting to the beacon device in response to the received broadcasting signal, and connecting the beacon device to the beacon device from the beacon device. It may include receiving the associated location information and determining the location information of the store associated with the received beacon device as the location information of the user terminal.

According to an embodiment, the receiving of information on the recommended payment application based on the location information of the user terminal includes receiving information on one or more payment applications available for payment at a store associated with the beacon device from the beacon device. Can include.

According to an embodiment, obtaining the location information of the user terminal includes receiving at least one of a visually coded pattern or a radio frequency identification (RFID) tag, and is recommended based on the location information of the user terminal. Receiving information on the received payment application may include receiving information on one or more payment applications available for payment at a store associated with at least one of the received visually coded pattern or RFID tag.

According to an embodiment, acquiring the location information of the user terminal includes receiving a radio frequency identification (NFC) tag and connecting with a Bluetooth device associated with the NFC tag in response to the NFC tag, and the user Receiving information on the recommended payment application based on the location information of the terminal may include receiving information on one or more payment applications available for payment at a store associated with the Bluetooth device from the Bluetooth device.

A computer program stored in a computer-readable recording medium may be provided in order to execute the above-described payment processing method according to an embodiment of the present disclosure on a computer.

A user terminal recommending a payment application based on location information according to an embodiment of the present disclosure includes a processor configured to obtain location information of the user terminal and a communication configured to receive the recommended payment application based on the location information of the user terminal. Including a module, the processor may be further configured to request payment processing using the recommended payment application.

A payment recommendation system for recommending a payment application based on location information according to an embodiment of the present disclosure includes a communication module configured to receive location information of a user terminal and at least one payment available for payment at a store corresponding to the location information of the user terminal. Determine the application, determine the recommendation priority based on the usage history of the payment application used through the user terminal or discount benefit information provided by the store, among one or more payment applications, and at least one determined payment including the recommendation priority It may include a processor configured to transmit information on the application to the user terminal through the communication module.

According to some embodiments of the present disclosure, the user terminal receives information on the recommended payment application based on the location information of the user terminal, and easily performs payment processing using this payment application. The inconvenience of searching for a payment application that can be paid in a store can be eliminated.

According to some embodiments of the present disclosure, the information on the payment application recommended at the store where the user terminal is located includes discount benefit information provided at the corresponding store, so that it is easy to use the discount benefit provided by the corresponding store. I can.

According to some embodiments of the present disclosure, since the user terminal may receive information on a payment application recommended first according to discount benefit information provided by a store related to the location information of the user terminal, a discount for payment processing at the store Payment applications that provide the most benefits can be easily used.

According to some embodiments of the present disclosure, the user terminal receives a payment application recommended based on the usage history of the payment application executed or paid by the user terminal at a store associated with the location information of the user terminal. Payment can be processed using the application.

According to some embodiments of the present disclosure, if the recommended payment application is not installed in the store associated with the location of the user terminal, the user terminal may receive the payment installation request, and easily install the application in response to the installation request. I can.

Embodiments of the present disclosure will be described with reference to the accompanying drawings described below, in which like reference numerals denote like elements, but are not limited thereto.
1 is a schematic diagram of a payment processing method operating in a user terminal according to an embodiment of the present disclosure.
FIG. 2 is a diagram illustrating a configuration in which a user terminal, a device capable of communicating in a store, and a payment recommendation system are connected so as to communicate with each other in order to perform a payment processing method according to an embodiment of the present disclosure.
3 is a block diagram illustrating an internal configuration of a user terminal and a payment recommendation system according to various embodiments of the present disclosure.
4 is a flowchart illustrating a payment processing method operating in a user terminal according to an embodiment of the present disclosure.
5 is a diagram illustrating a method of obtaining location information of a user terminal according to an embodiment of the present disclosure.
6 is a diagram illustrating a payment application recommendation model configured to output recommended payment application information based on an input value according to an embodiment of the present disclosure.
7 is a flowchart illustrating a method of receiving information on a recommended payment application based on location information of a user terminal according to an embodiment of the present disclosure.
8 is a flowchart illustrating a method of outputting a list of a plurality of payment applications reflecting a recommendation priority to a user terminal according to an embodiment of the present disclosure.
9 is a diagram illustrating an example of outputting a list of a plurality of payment applications reflecting a recommendation priority to a user terminal according to an embodiment of the present disclosure.
10 is a diagram illustrating an example of outputting a list of a plurality of payment applications reflecting a recommendation priority to a user terminal according to another embodiment of the present disclosure.
11 is a diagram illustrating an example of outputting a list of a plurality of payment applications reflecting a recommendation priority to a user terminal according to another embodiment of the present disclosure.
12 is a diagram illustrating an example of popping up a payment application related to a highest priority recommendation on an output device of a user terminal according to an embodiment of the present disclosure.
13 is a diagram illustrating an example of receiving information on a payment application recommended based on a correlation with an instant messaging application according to an embodiment of the present disclosure.
14 is a diagram illustrating an example of outputting connection information for a recommended payment application through a chat window of an instant messaging application according to an embodiment of the present disclosure.
15 is a diagram illustrating an example of outputting a message including an installation request for a recommended payment application according to an embodiment of the present disclosure.

Hereinafter, with reference to the accompanying drawings, specific details for the implementation of the present disclosure will be described in detail. However, in the following description, when there is a possibility that the subject matter of the present disclosure may be unnecessarily obscure, detailed descriptions of widely known functions or configurations will be omitted.

In the accompanying drawings, the same reference numerals may be assigned to the same or corresponding components. In addition, in the description of the following embodiments, overlapping descriptions of the same or corresponding components may be omitted. Even if description of a component is omitted, it should not be construed that such component is not included in a specific embodiment.

Advantages and features of the disclosed embodiments, and a method of achieving them will become apparent with reference to the embodiments described below together with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below, but may be implemented in a variety of different forms, and only these embodiments make the present disclosure complete, and those skilled in the art to which the present disclosure pertains. It is provided only to fully inform the person of the scope of the invention.

The terms used in the present specification will be briefly described, and the disclosed embodiments will be described in detail.

Terms used in the present specification have selected general terms that are currently widely used as possible while considering functions in the present disclosure, but this may vary according to the intention or precedent of a technician engaged in a related field, the emergence of new technologies, and the like. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meaning of the terms will be described in detail in the description of the corresponding invention. Therefore, the terms used in the present disclosure should be defined based on the meaning of the term and the overall contents of the present disclosure, not a simple name of the term.

In the present specification, expressions in the singular include plural expressions unless the context clearly specifies that they are in the singular. In addition, plural expressions include expressions in the singular, unless the context clearly specifies that they are plural.

When a part of the specification is said to "include" a certain component, it means that other components may be further included rather than excluding other components unless specifically stated to the contrary.

In addition, the terms "module" or "unit" used in the specification mean software or hardware components, and "module" or "unit" performs certain roles. However,'module' or'unit' is not meant to be limited to software or hardware. The'module' or'unit' may be configured to be in an addressable storage medium, or may be configured to reproduce one or more processors. Thus, as an example, the'module' or'unit' refers to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, It may include at least one of procedures, subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, or variables. Components and functions provided within the'module' or'unit' may be combined into a smaller number of components and'module' or'unit', or additional components and'module' or'unit'. Can be further separated.

According to an embodiment of the present disclosure, a'module' or'unit' may be implemented with a processor and a memory. 'Processor' should be interpreted broadly to include general purpose processors, central processing units (CPUs), microprocessors, digital signal processors (DSPs), controllers, microcontrollers, state machines, etc. In some circumstances, a'processor' may refer to an application specific semiconductor (ASIC), programmable logic device (PLD), field programmable gate array (FPGA), and the like. 'Processor' refers to a combination of processing devices such as, for example, a combination of a DSP and a microprocessor, a combination of a plurality of microprocessors, a combination of one or more microprocessors in combination with a DSP core, or any other such combination of configurations. You may. In addition, the'memory' should be broadly interpreted to include any electronic component capable of storing electronic information. 'Memory' refers to random access memory (RAM), read-only memory (ROM), non-volatile random access memory (NVRAM), programmable read-only memory (PROM), erase-programmable read-only memory (EPROM), It may refer to various types of processor-readable media such as electrically erasable PROM (EEPROM), flash memory, magnetic or optical data storage, registers, and the like. The memory is said to be in electronic communication with the processor if the processor can read information from and/or write information to the memory. The memory integrated in the processor is in electronic communication with the processor.

In the present disclosure,'payment application' may refer to an application that provides a simple payment service, and refers to an application or program that conveniently performs a payment processing function executed on a user terminal in connection with a service server that provides a payment service. I can. Unlike conventional cards for real payment such as check cards and credit cards, payment applications can be implemented to be executed on the user terminal to process payment, and the user's own consumption pattern by storing transaction data in the user terminal Or, it can provide a function that makes it easy to check all purchase details. In addition, the payment application may require a simple authentication procedure such as authentication code/pattern input, biometric authentication input, etc. before requesting payment processing. Further, the payment application or payment application may be implemented to be included in other applications that require payment processing functions such as an instant messaging application, a shopping application, or other related applications.

In this disclosure,'discount benefit information' may include discount and/or benefit information provided to users who use the store, and for example, may include discount rate, accumulation rate, and usable coupons provided by the store. have.

In the present disclosure, the'usage history for the payment application used in the user terminal' may include at least one of the number or place of the payment application executed or paid in the user terminal.

In the present disclosure, the'conversation window' refers to an interface for displaying a virtual space or group, that is, a chat room, on a corresponding user terminal in which one or more users that can be created in an'instant messaging application', and a user account can participate. Can be referred to. Here, the user account may include a virtual account provided by the instant messaging application. For example, a user can exchange various types of information, messages, and files through a chat window with other user accounts included in the chat room, and select connection information that can run a specific application such as a payment application. You can run the application.

1 is a schematic diagram of a payment processing method operating in a user terminal 110 according to an embodiment of the present disclosure. When the user terminal 110 is located in the store 120, the user terminal 110 communicates with an external device located in or adjacent to the store 120 related to the location information of the user terminal 110. It is possible to obtain the location information of (110). In FIG. 1, a mobile device is illustrated as an example of the user terminal 110, but the present invention is not limited thereto, and the user terminal 110 is capable of wired and/or wireless communication, and a payment application is installed and executed. It may be a computing device. For example, the user terminal 110 may include a mobile communication terminal, a wireless communication terminal, a smart phone, a tablet PC, a laptop PC, a wearable device, and the like.

The store 120 may include a target for requesting payment processing through a payment application running on the user terminal 110, that is, any place that provides or sells goods, services, and the like. For example, the store 120 may include stores located in stores, large discount marts, department stores, franchise stores, each branch of distribution entities that have many affiliated stores, conventional markets, train stations, bus terminals, banks, etc. However, it is not limited thereto. In addition, when a number of stores, such as a large discount mart or a department store, are located within a certain range of areas, all of the stores included therein may correspond to the store 120.

The payment recommendation system 130 may receive location information obtained by the user terminal 110 from the user terminal 110 and recommend a payment application based on the received location information of the user terminal 110. The user terminal 110 may request payment processing using a payment application recommended by the payment recommendation system 130. As shown in FIG. 1, information 112 on a payment application recommended by the payment recommendation system 130 may be displayed on the user terminal 110. In FIG. 1, the payment recommendation system 130 is shown to communicate directly with the user terminal 110, but is not limited thereto, and an external device (eg, a beacon device, etc.) located in or adjacent to the store 120 Visually coded code, RFID tag, NFC tag, etc.) can communicate with the user terminal 110. In addition, although FIG. 1 shows that the payment recommendation system 130 is located outside the store 120, it may be included in an external device located in or adjacent to the store 120. Alternatively, the payment recommendation system 130 may be mounted in the user terminal 110 and configured to recommend a payment application associated with the store 120 in which the user terminal is located to the user terminal 110.

The user terminal 110 may be configured to request payment processing using a payment application received from the payment recommendation system 130. According to an embodiment, a user of the user terminal 110 may perform payment for a product or service provided by the store 120 through a recommended payment application received from a payment recommendation system. When a payment process is requested from the store 120 through the recommended payment application, the user terminal 110 may receive more discount benefits or pay more conveniently than payment through other payment applications. In this way, the user terminal 110 provides its location to the payment recommendation system 130 to receive a payment application that is associated with its location information, that is, in which a discount benefit is provided at the store 120 located at its location. By doing so, it is possible to conveniently perform reasonable consumption using the received payment application.

2 is a user terminal 110, an external device 220, a payment recommendation system 130, and a payment processing system 230 in order to perform a payment processing method according to an embodiment of the present disclosure. It is a diagram showing a configuration connected to enable communication with each other.

The network 210 may be configured to enable communication between the user terminal 110, the external device 220, the payment recommendation system 130, and the payment processing system 230. Depending on the installation environment, the network 210 is, for example, a wired network such as Ethernet, a wired home network (Power Line Communication), a telephone line communication device and RS-serial communication, a mobile communication network, a WLAN (Wireless LAN), It may be composed of a wireless network such as Wi-Fi, BLE Beacon, NFC, Bluetooth, and ZigBee, or a combination thereof, and further, communication through a visually coded pattern and RFID tag may be included. In other words, the communication method is not limited, and not only a communication method using a communication network (for example, a mobile communication network, wired Internet, wireless Internet, broadcasting network, satellite network, etc.) that the network 210 can include, but also a short distance between user terminals. Wireless communication may also be included. For example, the network 210 includes a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). And any one or more of networks such as the Internet. In addition, the network 210 may include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, etc. Not limited.

The external device 220 may include any device configured to communicate with the user terminal 110 to obtain or calculate the location of the user terminal. According to an embodiment, the external device 220 may include a wireless access point (AP), a beacon device, or the like located around the user terminal 110. According to another embodiment, the external device 220 may include a pattern visually coded by the user terminal 110, an RFID tag, an NFC tag, and the like. According to another embodiment, the external device 220 may include a GPS satellite that provides a GPS signal to the user terminal 110. According to another embodiment, the external device 220 may include a cellular base station that provides a radio signal to the user terminal 110. Accordingly, the user terminal 110 may be configured to acquire the location of the user terminal using signals, tags, and/or codes received from the external device 220. The obtained location information may be provided to the payment recommendation system 130 through the network 210. The payment recommendation system 130 may recommend a payment application available for payment at a store associated with the obtained location information. The recommended payment system may be provided to the user terminal 110.

The user terminal 110 may be configured to request payment processing using a recommended payment application based on the location information of the user terminal 110. According to an embodiment, the user terminal 110 may be configured to transmit a message and/or a signal including a request for payment processing to the payment processing system 230. The payment processing system 230 may be configured to process payment according to a request for payment processing received from the payment application in association with the payment application. In addition, although one payment processing system 230 is illustrated in FIG. 2, the present invention is not limited thereto, and may include a payment processing system corresponding to each of a plurality of payment processing applications.

3 is a block diagram showing an internal configuration of a user terminal 110 and a payment recommendation system 130 according to an embodiment of the present disclosure. The user terminal 110 may include a communication module 312, a processor 314, a memory 316, an input/output interface 318, and an input/output device 320. In addition, the payment recommendation system 130 may include a communication module 332, a processor 334, and a memory 336. 3, the user terminal 110 and the payment recommendation system 130 can communicate arbitrary information and/or data through the network 210 using respective communication modules 312 and 332. have. In addition, the user terminal 110 may input or output information and/or data to the user terminal 110 through the input/output interface 318.

The communication modules 312 and 332 may provide a configuration or function for the user terminal 110 and the payment recommendation system 130 to communicate with each other through the network 210, and the user terminal 110 and/or payment recommendation The system 130 may provide a configuration or function for communicating with other user terminals or other systems. For example, the processor 314 of the user terminal 110 sends a request generated according to a program code stored in a recording device such as the memory 316 through the network 210 under the control of the communication module 312. Can be delivered to 130. Conversely, control signals, commands, contents, and files provided under the control of the processor 334 of the payment recommendation system 130 are transmitted via the communication module 332 and the network 210 to the communication module of the user terminal 110 ( 312). For example, a control signal, command, content, file, etc. of the payment recommendation system 130 received through the communication module 312 may be transmitted to the processor 314 or the memory 316, and the content or file The user terminal 110 may be stored as a storage medium that may further include.

In order to obtain the location information of the user terminal 110, the communication module 312 may receive an arbitrary signal from an external device. In this case, the communication module 312 of the user terminal 110 and an external device may be configured to communicate in both directions and/or in one direction. For example, the communication module 312 of the user terminal 110 is a signal from an external device (eg, a wireless access point (AP), a beacon device, an RFID tag, etc.) provided in the store 120. , MAC address signal, broadcasting signal, RFID signal, etc.) and/or connecting with an external device in response to the received signal. As another example, the communication module 312 of the user terminal 110 includes a GPS module, and may be configured to receive a GPS signal from a GPS satellite, and based on the received GPS signal, the processor 314 The location of the user terminal 110 may be determined or tracked. Obtaining location information from the external device 220 by the communication module 312 of the user terminal 110 will be described in more detail with reference to FIG. 5.

The communication module 312 of the user terminal 110 may transmit the obtained location information of the user terminal 110 to the payment recommendation system 130 through the network 210. In addition, the communication module 312 of the user terminal 110 may be configured to transmit a usage history of the payment application used in the user terminal 110 to the payment recommendation system 130. Then, the user terminal 110 may receive information on the recommended payment application based on the location information of the user terminal 110 from the payment recommendation system 130.

The information on the recommended payment application may include information on a payment application available for payment at the store 120 located in the location information of the user terminal 110. When a plurality of payment applications available for payment are included in the received information, the information on the recommended payment application may include information on the recommendation priority determined based on discount benefit information provided from the store 120 among the plurality of payment applications. I can. The recommendation priority may be determined based on the usage history and discount benefit information for the payment application used through the user terminal 110.

The communication module 332 of the payment recommendation system 130 stores the location information of the user terminal 110 from the communication module 312 of the user terminal 110, the usage history of the payment application used in the user terminal 110, etc. You can receive it. In addition, the payment recommendation system 130 may be configured to receive application information available for payment at each store and discount benefit information for each payment available application from the payment processing system. The discount benefit information may be transmitted to the user terminal 110 by the communication module 332 of the payment recommendation system 130 or stored in the memory 336 of the payment recommendation system 130.

The processors 314 and 334 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to the processors 314 and 334 by the memories 316 and 336 or the communication modules 312 and 332. For example, the processors 314 and 334 may be configured to execute commands received according to program code stored in a recording device such as the memories 316 and 336.

The processor 314 of the user terminal 110 may be configured to obtain location information of the user terminal 110 based on a signal received from an external device. According to an embodiment, the processor 314 may acquire location information of the user terminal 110 tracked through an operating system (Android OS, iOS, etc.) installed in the user terminal 110. The obtained location information may be provided to the payment recommendation system 130.

The processor 314 may receive information on a payment application recommended based on the location information of the user terminal 110 from the payment recommendation system 130 and request payment processing using the recommended payment application. According to an embodiment, the recommended payment application may include a store associated with the location information of the user terminal, that is, an application capable of payment at a store in which the user terminal is located or adjacent. According to another embodiment, the payment application may be recommended based on discount benefit information provided by a corresponding store. According to another embodiment, the payment application may be recommended according to the usage history of the payment application used in the user terminal 110. According to another embodiment, the payment application may include a payment application recommended based on a correlation with the instant messaging application. For example, a payment application associated or affiliated with an instant messaging application may be recommended as the payment application. The processor 314 may transmit a message or signal for requesting such payment processing to a payment processing system associated with the recommended payment application through the communication module 312.

The processor 314 may be configured to process arbitrary information and/data received through the communication module 312 or stored in the memory 316 and output to an output device of the input/output device 320. According to an embodiment, the processor 314 may generate a list of a plurality of payment applications reflecting recommendation priorities of the plurality of payment applications received from the payment recommendation system 130, and the generated list is input to the input/output device 320 ) Can be output to the output device. In addition, the processor 314 of the user terminal 110 displays not only names and/or connection information (eg, links, etc.) for a plurality of payment applications, as well as discount benefit information related to each of the plurality of applications, in the portion where the list is output. It may be output through an output device of the input/output device 320. According to another embodiment, the processor 314 may process the payment application related to the highest priority among the recommended priorities to pop-up, or to the recommended payment application through a chat window of an instant messaging application operating on the user terminal 110. You can also print the name and connection information. In another embodiment, the processor 314 may be configured to output a message or information requesting to automatically execute the recommended payment application.

When the recommended payment application is not installed on the user terminal 110, the processor 314 may be configured to output a message or information requesting installation of the recommended payment application. To this end, the processor 314 checks whether the recommended payment application is installed on the user terminal 110, and outputs an installation request for the recommended payment application when the recommended payment application is not installed on the user terminal 110. I can. In response to the installation request, the user of the user terminal 110 may input whether to install the recommended payment application through the input device of the input/output device 320.

According to an embodiment, the processor 314 may receive or collect a usage history for a payment application that has been used through an operating system (Android OS, iOS, etc.) installed in the user terminal 110. The usage history of the payment application used through the user terminal 110 collected in this way may be stored in the memory 316 of the user terminal 110. In addition, such usage history may be provided to the payment recommendation system 130 through the communication module 312. According to another embodiment, the usage history of the payment application used through the instant messaging application may be stored in the user terminal 110 or a system managing the instant messaging application, and this usage history is stored in the payment recommendation system 130. Can be provided.

The processor 334 of the payment recommendation system 130 may be configured to generate information on a payment application available for payment by using the location information of the user terminal 110 received through the communication module 332. According to an embodiment, the payment recommendation system 130 may generate information on the recommended payment application based on the discount benefit information provided by the store related to the location information of the user terminal among the discount benefit information provided by each store. have. In another embodiment, the payment recommendation system 130 may generate recommendation information for a payment application that can be paid at a store in which the user terminal is located, based on user history information on the payment application that has been executed or paid for in the user terminal 110. I can.

According to an embodiment, the processor 334 may be configured to generate information on a plurality of payment applications available for payment to a store associated with the location information of the user terminal 110 received through the communication module 332. For example, among a plurality of payment applications, the processor 334 may include at least one of a discount benefit provided by a store in which the user terminal 110 is located, or user history information on a payment application that has been executed or paid for in the user terminal 110. Information on the recommendation priority determined based on may be generated. The processor 334 may generate information on a recommended payment application based on a correlation with an instant messaging application running on the user terminal 110 from among a plurality of payment applications. The information on the plurality of payment applications may include at least one of a name, discount benefit information, or link information for each payment application. The information generated in this way may be provided to the user terminal 110 through the communication module 332.

According to an embodiment, the processor 334 receives an input value including at least one of discount benefit information provided by each store or a usage history for a payment application used through a plurality of user terminals, and location information of a corresponding user terminal. Based on a machine-learned modeling technique, recommendation information for a payment application that can be paid at the store 120 related to the location information of the user terminal 110 may be generated. An arbitrary model generated through a modeling technique through machine learning may be stored in an arbitrary storage device (eg, memory 336) accessible to the payment recommendation system 130. The modeling technique through machine learning will be described in detail with reference to FIG. 6.

The memories 316 and 336 may include any non-transitory computer-readable recording medium. According to an embodiment, the memories 316 and 336 are non-destructive mass storage devices such as random access memory (RAM), read only memory (ROM), disk drive, solid state drive (SSD), flash memory, etc. (Permanent mass storage device) may be included. As another example, a non-destructive mass storage device such as a ROM, SSD, flash memory, disk drive, etc. is a separate permanent storage device that is separate from the memories 316 and 336 and is included in the user terminal 110 or the payment recommendation system 130. I can. In addition, the memories 316 and 336 contain an operating system and at least one program code (for example, a browser installed and driven in the user terminal 110 or an instant messaging application installed in the user terminal 110 to provide an instant messaging service). Code, code for a payment application, etc.) may be stored. These software components may be loaded from a computer-readable recording medium separate from the memories 316 and 336. Such a separate computer-readable recording medium may include a recording medium that can be directly connected to such a user terminal and/or a payment processing system, for example, a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory. It may include a computer-readable recording medium such as a card. As another example, software components may be loaded into the memories 316 and 336 through communication modules 312 and 332 other than a computer-readable recording medium. For example, at least one program is a computer program installed by the files provided by the file distribution system for distributing the installation files of the developers or the application through the network 210 (for example, the above-described payment application, instant Messaging application, etc.).

In the memory 316 of the user terminal 110, the location information of the user terminal 110, the usage history of the payment application used through the user terminal, and payment available at the store 120 located in the location information of the user terminal 110 Information on the payment application may be stored. This information may be provided to the payment recommendation system 130 through the communication module 312 of the user terminal 110 or may be used by the processor 314 to request payment processing. In addition, the memory 336 of the payment recommendation system 130 includes location information of the user terminal 110, a usage history for payment applications used through the user terminal, information on payment applications available for payment at each store, and at each store. Provided discount benefit information, information on association with an instant messaging application, and the like may be stored.

The input/output interface 318 may be a means for an interface with the input/output device 320. As an example, the input device may include a device such as a camera, a keyboard, a microphone, and a mouse, and the output device may include a device such as a display, a speaker, and a haptic feedback device. As another example, the input/output interface 318 may be a means for interface with a device in which a component or function for performing input and output is integrated into one, such as a touch screen. For example, the processor 314 uses information and/or data provided by the payment recommendation system 130, an instant messaging application, and/or other user terminals in processing instructions of the computer program loaded in the memory 316. The configured service screen or content may be displayed on the display through the input/output interface 318, and a user input associated with the service screen or content may be received through the input device. In FIG. 3, the input/output device 320 is configured to be included in the user terminal 110, but the input/output device of the user terminal is an external device of the user terminal 110 and is connected to the user terminal 110 by wire and/or wirelessly. It may include possible input/output devices. In addition, the input/output interface (not shown) of the payment recommendation system 130 is connected to the payment recommendation system 130 or for an interface with a device (not shown) for input or output that may be included in the payment recommendation system 130. It could be a means. In FIG. 3, the input/output interface 318 is illustrated as an element configured separately from the processors 314 and 334, but is not limited thereto, and the input/output interface 318 may be configured to be included in the processors 314 and 334.

In FIG. 3, the payment recommendation system 130 is illustrated as a system separate from the user terminal 110, but is not limited thereto, and the payment recommendation system 130 may be included in the user terminal 110. For example, the communication module 332, the processor 334, and the memory 336 of the payment recommendation system 130 are respectively in the communication module 312, the processor 314, and the memory 316 of the user terminal 110. Alternatively, the processor 314 of the user terminal 110 may perform the function of the payment recommendation system 130. As another example, a separate module in charge of the payment recommendation system 130 may be further included in the user terminal 110.

The user terminal 110 and the payment recommendation system 130 may include more components than those of FIG. 3. However, there is no need to clearly show most of the prior art components. For example, when the user terminal 110 is a smartphone, it may generally include components included in the smartphone, for example, an acceleration sensor, a gyro sensor, a camera module, various physical buttons, and touch Various components such as a button using a panel, an input/output port, and a vibrator for vibration may be implemented to be further included in the user terminal 110.

4 is a flowchart illustrating a payment processing method operating in the user terminal 110 according to an embodiment of the present disclosure. The payment processing method according to the present disclosure may be started from the step (S410) of acquiring location information of the user terminal 110. In one embodiment, when the user terminal 110 is located in the store 120, the user terminal 110 may calculate the user's location information based on a signal and/or data received from an external device. For example, the external device may include an arbitrary wireless access point, a beacon signaling device, a visually coded pattern, an RFID tag, an NFC tag, etc. disposed in or around the store 120.

When the location information of the user terminal 110 is obtained, information on the recommended payment application may be received based on the location information of the user terminal 110 (S420). According to an embodiment, the information on the payment application may include information on a payment application available for payment at the store 120 located in the location information of the user terminal 110. In this case, when there are a plurality of payment applications that can be paid in the store 120, information on the recommended payment application is information on discount benefits provided in the store 120 among the plurality of payment applications, and payment used in the user terminal 110. It may include information on a recommendation priority determined based on at least one of a usage history for an application or a correlation with an instant messaging application running in the user terminal. Then, the user terminal 110 may request payment processing using the recommended payment application (S430). According to an embodiment, the user terminal 110 may request payment processing for goods and/or services provided by a store related to the location information of the user terminal.

5 is a diagram illustrating a method of obtaining location information of a user terminal 110 according to various embodiments of the present disclosure. The user terminal 110 may acquire location information of the user terminal 110 through two-way and/or one-way communication with an external device 220 located in or near the store of the user terminal 110. The external device 220 includes a signal, pattern, message, information, etc. required to obtain the location information of the user terminal, and transmits and/or broadcasts the signal, pattern, message, information, etc. Can include. As shown, the external device 220 includes, for example, a wireless access point (AP, 512), a beacon device 514, a visually coded pattern 516, a radio frequency identification (RFID) tag ( 518) and/or an NFC tag 520.

According to an embodiment, the user terminal 110 may receive a signal for a Media Access Control (MAC) address from the wireless access point 512. Here, the wireless access point 512 may include one or more wireless access points. In addition, the MAC address may include an address of a unique number assigned to the wireless access point 512, and the user terminal 110 includes information on the location of the wireless access point 512 associated with the MAC address. Can be obtained. The user terminal 110 may determine the location of the user terminal 110 based on the MAC address and the strength of the received signal from the received signal. For example, when the user terminal 110 receives a MAC address from one or more wireless access points, the user terminal 110 is based on the location of the wireless access point corresponding to each MAC address and the signal strength for each MAC address. The location information of the user terminal 110 can be determined.

According to another embodiment, the user terminal 110 may obtain location information of the user terminal 110 through connection with the beacon device 514. Here, the beacon device may include any signal broadcasting device and/or any control device connected to the signal broadcasting device. When the user terminal 110 receives a broadcasting signal from the beacon device 514 that transmits the broadcasting signal, in response to the received broadcasting signal, the user terminal and the beacon device 514 may be connected to each other. For example, the beacon device 514 may include a Bluetooth Low Energy (BLE) beacon device. The user terminal 110 may receive location information from the beacon device 514 and determine the received location information as location information of the user terminal 110. Here, the location information received from the beacon device 514 may include location information of a store in which the beacon device 514 is installed or managed. In addition, the user terminal 110 may receive information on one or more payment applications available for payment to a store associated with location information from the connected beacon device 514.

In another embodiment, the user terminal 110 may receive a Near Field Communication (NFC) tag 520 and may be connected to a Bluetooth device associated therewith in response to the received NFC tag 520. For example, the user terminal 110 may receive the NFC tag by being positioned within a certain range with the NFC tag. The user terminal 110 may receive location information from a connected Bluetooth device, and use the received location information to obtain location information of the user terminal 110. In addition, the user terminal 110 may receive information on one or more payment applications available for payment at a store associated with the Bluetooth device from the connected Bluetooth device.

According to another embodiment, the location information of the user terminal 110 may be obtained through one-way communication from an external device to the user terminal 110. For example, the user terminal 110 may receive at least one of a visually coded pattern 516 or an RFID tag 518. Here, the visually coded pattern 516 refers to a code that displays data or information in a machine-readable visual form. The visually coded pattern 516 may be scanned/read using an application program of a device with a built-in camera, such as a pattern reader or a smart phone. For example, the visually coded pattern 516 includes a visually coded one-dimensional pattern and/or a visually coded two-dimensional pattern. The visually coded one-dimensional pattern is composed of parallel lines of different widths and intervals, and may include a Universal Product Code (UPC). The visually coded 2D pattern is composed of geometric patterns such as squares, dots, and hexagons, and may include Data Matrix, MaxiCode, and Quick Response (QR) codes.

According to an embodiment, the user terminal 110 may receive the visually coded pattern 516 by photographing the visually coded pattern 516, and the RFID tag 518 is the user terminal 110 Can be received when placed within range. The user terminal 110 receives the location information associated with the visually coded pattern 516 or the RFID tag 518 from at least one of the received visually coded pattern 516 or RFID tag 518, and received The location information may be used to determine location information of the user terminal 110. In addition, the user terminal 110 may receive information on one or more payment applications available for payment at a store associated with at least one of the received visually coded pattern or RFID tag.

6 is a diagram illustrating a payment application recommendation model 610 that outputs recommended payment application information 630 based on an input value 620 according to an embodiment of the present disclosure. The payment application recommendation model 610 may be included in the processor 334 of the payment recommendation system 130 and modeled, but is not limited thereto, and the processor 314 of the user terminal 110 or the It may be modeled by a separate module inside the user terminal 110. The payment application recommendation model 610 includes at least one of location information of a plurality of user terminals, discount benefit information provided at each store, a usage history for a payment application used through a plurality of user terminals, or correlation information with an instant messaging application. It may be learned to receive an input value 620 including one and output recommendation information to a paymentable application associated with each location information. According to an embodiment, the payment application recommendation model 610 may be configured to recommend a payment application through rule-based learning and prediction. In another embodiment, the payment application recommendation model 610 may be configured to recommend a payment application through a known machine learning technique. For example, the machine learning technique may include a Find-S algorithm, a Version Space algorithm, and a Candidate Elimination algorithm. In another embodiment, the payment application recommendation model 610 may include an artificial neural network model generated using an arbitrary neural network or the like.

7 is a flowchart illustrating a method of receiving information on a recommended payment application based on location information of the user terminal 110 according to an embodiment of the present disclosure. In order to receive information on a payment application recommended based on the location information of the user terminal 110 from the payment recommendation system 130, the user terminal 110 transmits the location information of the user terminal 110 to the payment recommendation system 130 ) Can be transmitted (S710). Although not shown in FIG. 7, when the user terminal 110 transmits the location information of the user terminal 110 to the payment recommendation system 130, information on the usage history of the payment application used through the user terminal may also be transmitted. have.

Then, the user terminal 110 may receive information about a payment application that can be paid, which is generated by the payment recommendation system 130 (S720). The received payment application information includes a recommendation priority determined based on at least one of a usage history for a payment application used for the user terminal 110 or discount benefit information for a store associated with the location information of the user terminal 110. Information about may be included. In addition, the received information on the payment application may include benefit information on the payment application, and benefit information together with the name and connection information on the payment application may be displayed on the display of the user terminal 110.

8 is a flowchart illustrating a method of outputting a list of a plurality of payment applications reflecting a recommendation priority on the user terminal 110 according to an embodiment of the present disclosure. The user terminal 110 may receive information on the recommended payment application based on the location information of the user terminal 110 from the payment recommendation system 130 in order to process payment (S810). Here, the information on the recommended payment application may include information on a plurality of applications and recommendation priority for a plurality of applications. Based on the received information, the user terminal 110 may be configured to generate and output a list of a plurality of applications reflecting the recommendation priority (S820).

When a list of a plurality of payment applications is output to the user terminal 110, one payment application may be selected from the output list (S830). For example, the selection of one such payment application may be performed based on an input from a user. The user terminal 110 may execute the selected payment application and request payment processing for goods and/or services provided by a store related to the location information of the user terminal 110 (S840).

When the user terminal 110 outputs a list of a plurality of payment applications, it is output on the input/output device 320 of the user terminal 110 in order to process payment using the recommended payment application to induce the user's input. Any method can be used. For example, a payment application may be displayed on a display according to a recommendation priority, or a payment application related to the highest priority may be highlighted and displayed. As another example, a list of a plurality of payment applications may be output in an audio format through a speaker of the user terminal 110.

9 to 11 are diagrams illustrating various examples of outputting a list of a plurality of payment applications reflecting a recommendation priority to a user terminal 110 according to various embodiments of the present disclosure.

9 is a diagram illustrating an example of outputting a list of a plurality of payment applications 912, 922, and 932 reflecting a recommendation priority to a user terminal 110 according to an embodiment of the present disclosure. The user terminal 110 may receive information on a payment application from the payment recommendation system 130. In this case, when there are a plurality of payment applications that can be paid in the store 120, information on a recommendation priority may be included in the information on the received payment application. The user terminal 110 may generate a list 912, 922, and 932 of a plurality of payment applications according to the recommendation priority.

According to an embodiment, the user terminal 110 is a payment application that can be paid at the store 120 located in the location information of the user terminal 110, and LINE PAY 910, a PAY 920, and b PAY 930 are Information on the included payment application may be received. According to the recommendation priority included in the received payment application information, LINE PAY 910, a PAY 920, and b PAY 930 are respectively a first recommendation priority 912, a second recommendation priority 922, and It may correspond to the third recommendation priority 932, and may be displayed in order according to the recommendation priority in a portion in which a list of a plurality of payment applications 912, 922, and 932 is output from the user terminal 110. That is, as shown in FIG. 9, the LINE PAY 910 corresponding to the first recommendation rank 912 is displayed at the top, and a PAY 920 corresponding to the second recommendation rank 922 in sequence at the bottom. , B PAY 930 corresponding to the third recommendation ranking 932 may be displayed.

10 is a diagram illustrating an example of outputting a list of a plurality of payment applications reflecting a recommendation priority to a user terminal 110 according to another embodiment of the present disclosure. When the user terminal 110 includes information on a plurality of payment applications in the information on payment applications received from the payment recommendation system 130, each payment application may be displayed according to a recommendation priority. In addition, when a plurality of payment applications are displayed on the input/output device 320 of the user terminal 110, the region containing the payment application related to the highest priority among the recommended priorities is different from the region containing the payment application having a lower priority. Can be displayed.

According to an embodiment, the user terminal 110 is a payment application that can be paid at the store 120 located in the location information of the user terminal 110, and LINE PAY 1010, a PAY 1020, and b PAY 1030 are Information on the included payment application may be received. At this time, according to the recommendation priority, LINE PAY (1010), a PAY (1020), and b PAY (1030) are respectively a first recommendation priority 1012, a second recommendation priority 1022, and a third recommendation priority 1032. Can respond to. In this case, as shown, the area including the LINE PAY 1010 associated with the first recommendation priority 1012 among the recommendation priorities has a bold effect 1014 or is highlighted in a color different from other areas 1016 ) Can be.

11 is a diagram illustrating an example of outputting a list of a plurality of payment applications reflecting a recommendation priority to a user terminal 110 according to another embodiment of the present disclosure. The payment recommendation system 130 generates information on payment applications that can be paid in the store 120 associated with the location information of the user terminal, and the information on payment applications is a discount rate when using each payment application, an accumulation rate, and a coupon that can be used. Discount benefit information including, etc., and information on recommendation priority may be included. The user terminal 110 may receive information on a payment application from the payment recommendation system 130. The processor 314 of the user terminal 110 may generate a list of a plurality of payment applications according to a recommendation priority. In this case, in a list of a plurality of payment applications displayed on the input/output device 320 of the user terminal 110, not only information on the payment application but also discount benefit information for each payment application may be displayed.

As shown in FIG. 11, the user terminal 110 is a payment application that can be paid at the store 120 located in the location information of the user terminal 110. LINE PAY 1110, c PAY 1120, b PAY 1130 ) And a PAY (1140) may receive information on the included payment application. According to the recommendation priority included in the received payment application information, LINE PAY (1110), c PAY (1120), b PAY (1130), and a PAY (1140) are in the order of the first recommendation priority (1112), It may have 2 recommendation rank 1122, a third recommendation rank 1132, and a fourth recommendation rank 1142. A list of a plurality of payment applications including information on names and priorities for LINE PAY 1110, c PAY 1120, b PAY 1130, and a PAY 1140 may be output. In addition, the list of multiple payment applications includes discount benefit information including discount rates, accumulation rates, and coupons available for LINE PAY (1110), c PAY (1120), b PAY (1130) and a PAY (1140). Can be displayed together.

An example of outputting a list of a plurality of payment applications reflecting the recommended priority according to the present disclosure to the user terminal 110 is separately disclosed in FIGS. 9 to 11, but each embodiment shown in FIGS. 9 to 11 At least one or more of them may be combined to be implemented in one embodiment. For example, the embodiments shown in FIGS. 10 and 11 are combined to provide a list of a plurality of payment applications including discount benefit information such as discount rate, accumulation rate, and detailed discount information such as available coupons. A display area displayed on the input/output device 320 and including a payment application associated with the highest priority among recommended priorities may be displayed differently from a display area including a payment application having a lower priority.

12 is a diagram illustrating an example of popping up a payment application related to the highest priority recommendation on the input/output device 320 of the user terminal 110 according to an embodiment of the present disclosure. The user terminal 110 transmits information on the payment application related to the highest priority order based on information on the recommended payment application received from the payment recommendation system 130 in order to process payment. 320) can be popped up. According to an embodiment, when LINE PAY has the highest priority in the recommendation priority included in the information on the payment application recommended by the payment recommendation system 130, a pop-up screen 1210 including information recommending LINE PAY May be displayed on the input/output device 320 of the user terminal 110. Although not shown in FIG. 12, the pop-up screen 1210 including the payment application related to the highest priority ranking displayed on the input/output device 320 of the user terminal 110 is information on discount benefits provided by the store 120 (eg, discount rate). , Accumulation rate, available coupons, etc.) and/or a usage history for a payment application that has been used through the user terminal may be displayed.

13 is a diagram illustrating an example of receiving information on a recommended payment application based on a correlation with an instant messaging application according to an embodiment of the present disclosure. The instant messaging application operating on the user terminal 110 provides an official account function, so that the instant messaging application may be associated or affiliated with a specific store or a specific payment application. Information about an event related to a specific store or a specific payment application may be provided to the user terminal 110 through such an official account. According to an embodiment, if there is a specific payment application associated or affiliated with an instant messaging application among payment applications that can be paid in the store 120, the payment recommendation system 130 stores a specific payment application associated or affiliated with the store 120. It may be provided to the user terminal 110 as a recommended payment application for.

According to an embodiment, as shown in FIG. 13, the official account 1310 of an instant messaging application (eg, LINE, etc.) may be affiliated with a PAY 1312 and b PAY 1314. In addition, a PAY 1312 and c PAY 1318 may be payment applications that can be paid at the store 120. In this case, the payment recommendation system 130 includes a PAY 1312 included in the official account 1310 of the instant messaging application among the payment applications a PAY 1312 and c PAY 1318, which are payment applications that can be paid at the store 120 May be provided to the user terminal 110 as a recommended payment application for the store 120. For example, as illustrated, the user terminal may output a payment application recommendation screen 1340 including a PAY, which is a recommended payment application.

14 is a diagram illustrating an example of outputting connection information for a recommended payment application through a chat window of an instant messaging application according to an embodiment of the present disclosure. According to an embodiment, the user terminal 110 may output a message 1410 including connection information for a recommended payment application through a chat window of an instant messaging application. For example, as shown, the message 1410 is displayed through a chat window created through the official account CONY in the instant messaging application, recommends LINE PAY as a payment application, and connects the recommended payment application LINE PAY. It may include content inquiring whether or not to do so.

According to an embodiment, the user terminal 110 may be configured to execute the recommended payment application by selecting connection information for the recommended payment application. For example, in response to an inquiry about whether to connect LINE PAY, the recommended payment application, the user terminal 110 may receive an input for connecting and executing LINE PAY. When a request for executing LINE, which is a payment application, is received, LINE PAY, which is a payment application installed in the user terminal 110, may be executed.

15 is a diagram illustrating an example of outputting a message including an installation request for a recommended payment application according to an embodiment of the present disclosure. When the user terminal 110 receives information on the recommended payment application based on the location information of the user terminal 110 from the payment recommendation system 130, the user terminal 110 receives the recommended payment application from the received information. Whether it is installed in the user terminal 110 can be checked. When the recommended payment application is installed in the user terminal 110, payment processing may be requested using the recommended payment application. Alternatively, when it is determined that the recommended payment application is not installed, a message including an installation request for the payment application may be output on the input/output device 320 of the user terminal 110 as illustrated.

According to an embodiment, if LINE PAY corresponds to a payment application related to the highest priority among a plurality of payment applications included in the received payment application information, the user terminal 110 is sent to the user terminal 110. You can check whether the payment application LINE PAY is installed. As a result, if it is confirmed that LINE PAY is not installed in the user terminal 110, as shown, a message including an installation request for LINE PAY, which is a payment application, on the input/output device 320 of the user terminal 110 ( 1510) may be output. This message 1510 may also include an inquiry message as to whether to install LINE PAY. In response to such an inquiry message, upon receiving an input requesting installation of LINE PAY, LINE PAY may be installed as a payment application on the user terminal 110. In FIG. 15, a message 1510 including an installation request for an uninstalled payment application is shown in the form of a pop-up screen, but the present invention is not limited thereto, and may be implemented through a form of generating a chat window in an instant messaging application or outputting a voice form.

The payment processing method through the above-described payment application may be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tapes, floppy disks, and optical data storage devices. Further, the computer-readable recording medium is distributed over a computer system connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the above embodiments can be easily inferred by programmers in the technical field to which the present invention belongs.

The method, operation, or techniques of this disclosure may be implemented by various means. For example, these techniques may be implemented in hardware, firmware, software, or a combination thereof. Those skilled in the art will understand that the various illustrative logical blocks, modules, circuits, and algorithm steps described in connection with the disclosure herein may be implemented in electronic hardware, computer software, or combinations of both. To clearly illustrate this interchange of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the particular application and design requirements imposed on the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementations should not be interpreted as causing a departure from the scope of the present disclosure.

In a hardware implementation, the processor or processing units used to perform the techniques include one or more ASICs, DSPs, digital signal processing devices (DSPDs), programmable logic devices; PLDs), field programmable gate arrays (FPGAs), processors, controllers, microcontrollers, microprocessors, electronic devices, other electronics designed to perform the functions described in this disclosure. It may be implemented in units, a computer, or a combination thereof.

Accordingly, various exemplary processor and logic blocks, modules, and circuits described in connection with the present disclosure include general purpose processors, DSPs, ASICs, FPGAs or other programmable logic devices, discrete gate or transistor logic, discrete hardware components, Or may be implemented or performed in any combination of those designed to perform the functions described herein. A general purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. The processor may also be implemented as a combination of computing devices, eg, a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in connection with the DSP core, or any other configuration.

In the firmware and/or software implementation, the techniques include random access memory (RAM), read-only memory (ROM), non-volatile random access memory (NVRAM), PROM ( on a computer-readable medium such as programmable read-only memory), erasable programmable read-only memory (EPROM), electrically erasable PROM (EEPROM), flash memory, compact disc (CD), magnetic or optical data storage device, etc. It can also be implemented as stored instructions. The instructions may be executable by one or more processors, and may cause the processor(s) to perform certain aspects of the functionality described in this disclosure.

When implemented in software, the techniques may be stored on a computer readable medium as one or more instructions or codes or transmitted through a computer readable medium. Computer-readable media includes both computer storage media and communication media, including any medium that facilitates transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a computer. By way of non-limiting example, such computer readable medium may contain RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or desired program code in the form of instructions or data structures. It may include any other media that may be used for transfer or storage to and accessible by a computer. Also, any connection is properly termed a computer-readable medium.

For example, if the software is transmitted from a website, server, or other remote source using wireless technologies such as coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or infrared, wireless, and microwave, coaxial cable , Fiber optic cable, twisted pair, digital subscriber line, or wireless technologies such as infrared, wireless, and microwave are included within the definition of the medium. As used herein, disks and disks include CDs, laser disks, optical disks, digital versatile discs (DVDs), floppy disks, and Blu-ray disks, where disks are usually magnetic It reproduces data optically, while discs reproduce data optically using a laser. Combinations of the above should also be included within the scope of computer-readable media.

The software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, removable disk, CD-ROM, or any other known type of storage medium. An exemplary storage medium may be coupled to a processor such that the processor can read information from or write information to the storage medium. Alternatively, the storage medium may be integrated into the processor. The processor and storage medium may also reside within the ASIC. The ASIC may exist in the user terminal. Alternatively, the processor and storage medium may exist as separate components in the user terminal.

Although the above-described embodiments have been described as utilizing aspects of the presently disclosed subject matter in one or more standalone computer systems, the present disclosure is not limited thereto, and may be implemented in connection with any computing environment such as a network or a distributed computing environment. . Furthermore, aspects of the subject matter in this disclosure may be implemented in multiple processing chips or devices, and storage may be similarly affected across multiple devices. Such devices may include PCs, network servers, and portable devices.

In the present specification, the present disclosure has been described with reference to some embodiments, but various modifications and changes may be made without departing from the scope of the present disclosure that can be understood by those of ordinary skill in the art to which the present disclosure belongs. In addition, such modifications and changes should be considered to fall within the scope of the claims appended hereto.

110: user terminal 120: store
130: payment recommendation system 210: network
220: external device 230: payment processing system
312, 332: communication module 314, 334: processor
316, 336: memory 318, 338: input/output interface
320: input/output device 512: wireless access point
514: beacon device 516: visually coded pattern
518: RFID tag 520: NFC tag
610: payment application recommendation model 620: input
630: Recommended payment application information

Claims (20)

In the payment processing method operating in the user terminal,
Obtaining location information of the user terminal;
Receiving information on a payment application recommended based on the location information of the user terminal; And
Requesting payment processing using the recommended payment application
Containing, payment processing method.
The method of claim 1,
Receiving information on a payment application recommended based on the location information of the user terminal includes receiving information on a payment application available for payment at a store associated with the location information of the user terminal .
The method of claim 2,
The payment application available for payment at the store includes a plurality of payment applications,
Receiving information on the recommended payment application based on the location information of the user terminal may include, among the plurality of payment applications, information on a recommendation priority determined based on discount benefit information provided at the store. Including the step of receiving information on a plurality of payment applications, payment processing method.
The method of claim 3,
The recommendation priority is determined based on the discount benefit information and a usage history of a payment application used through the user terminal.
The method of claim 3,
And outputting a list of the plurality of payment applications reflecting the recommendation priority to the user terminal.
The method of claim 5,
The information on the plurality of payment applications includes discount benefit information for each of the plurality of payment applications,
Outputting a list of the plurality of payment applications reflecting the recommendation priority to the user terminal,
Including the step of displaying together discount benefit information associated with each of the plurality of payment applications in the list of the plurality of payment applications,
Payment processing method.
The method of claim 3,
The payment processing method further comprising popping up a payment application related to the highest recommendation priority among the recommendation priorities on the output device of the user terminal.
The method of claim 2,
The payment application available for payment at the store includes a plurality of payment applications,
Receiving information on a payment application available for payment at a store associated with the location information of the user terminal may include, among the plurality of payment applications, a payment application recommended based on a correlation with an instant messaging application operating on the user terminal. Payment processing method comprising the step of receiving information about.
The method of claim 2,
The payment application available for payment at the store includes a plurality of payment applications,
Receiving information on the recommended payment application based on the location information of the user terminal may include discount benefit information provided at the store, a usage history of the payment application used through the user terminal, or an operation on the user terminal. And outputting information on the recommended payment application by inputting at least one of the associations with the instant messaging application and location information of the user terminal into a payment application recommendation model.
The method of claim 1,
Further comprising the step of outputting connection information for the recommended payment application through a chat window of the instant messaging application operating in the user terminal,
The step of requesting payment processing using the recommended payment application,
Including the step of executing the payment application by selecting connection information for the payment application,
Payment processing method.
The method of claim 1,
Checking whether the recommended payment application is installed in the user terminal; And
If the recommended payment application is not installed on the user terminal, outputting an installation request for the recommended payment application to the user terminal
Further comprising a, payment processing method.
The method of claim 1,
The step of requesting payment processing using the recommended payment application comprises automatically executing the recommended payment application.
The method of claim 1,
Acquiring the location information of the user terminal,
Receiving, by the user terminal, a signal for a MAC address from each of one or more wireless access points (APs);
And determining the location of the user terminal based on the MAC address and the strength of the received signal.
The method of claim 1,
Acquiring the location information of the user terminal,
Receiving a broadcasting signal from a beacon device;
Connecting with the beacon device in response to the received broadcasting signal;
Receiving location information associated with the beacon device from the beacon device; And
Determining the location information of the store associated with the received beacon device as the location information of the user terminal
Containing, payment processing method.
The method of claim 14,
Receiving information on the recommended payment application based on the location information of the user terminal,
Receiving information on one or more payment applications available for payment at a store associated with the beacon device from the beacon device
Containing, payment processing method.
The method of claim 1,
The step of obtaining the location information of the user terminal includes receiving at least one of a visually coded pattern or a radio frequency identification (RFID) tag,
Receiving information on the recommended payment application based on the location information of the user terminal includes information on one or more payment applications available for payment to a store associated with at least one of the received visually coded pattern or RFID tag. Steps to receive
Containing, payment processing method.
The method of claim 1,
Acquiring the location information of the user terminal,
Receiving a near field communication (NFC) tag; And
In response to the NFC tag, comprising the step of connecting with a Bluetooth device associated with the NFC tag,
Receiving information on the recommended payment application based on the location information of the user terminal may include receiving information on one or more payment applications available for payment at a store associated with the Bluetooth device from the Bluetooth device.
Containing, payment processing method.
A computer program stored in a computer-readable recording medium to execute the payment processing method according to any one of claims 1 to 17 on a computer.
As a user terminal,
A processor configured to obtain location information of the user terminal; And
And a communication module configured to receive a payment application recommended based on location information of the user terminal,
The processor is further configured to request payment processing using the recommended payment application,
User terminal.
As a payment recommendation system,
A communication module configured to receive location information of a user terminal; And
Determine one or more payment applications available for payment at a store corresponding to the location information of the user terminal, and, among the one or more payment applications, a usage history of a payment application used through the user terminal or discount benefit information provided by the store A processor configured to determine a recommendation priority based on at least one of and transmit information on the determined one or more payment applications including the recommendation priority to the user terminal through the communication module
Containing, payment recommendation system.

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