KR20210109500A - Payment method using smart phone with integrated mileage usage - Google Patents

Abstract

Provided is a payment method using a smartphone which can collectively use accumulated points. According to one embodiment, a payment app installed in a smartphone transmits store information, payment method information and payment app information to an O2O mediation server. An affiliated store POS terminal transmits the store information and payment amount information to the O2O mediation server. The O2O mediation server, in regard to payment method information and payment amount information matched with the store information among information received from a plurality of affiliated store POS terminals and information received from a plurality of payment apps, requests a payment server corresponding to the payment method information for payment approval. Upon the payment approval, the O2O mediation server transmits a payment result to the affiliated store POS terminals and the payment apps. According to the present invention, an affiliated store can support NFC payment using a smartphone by attaching only a relatively low-priced NFC tag onto a counter without installing an NFC reader.

Description

Payment method using smart phone with integrated mileage usage}

The present invention relates to a payment method using a smart phone capable of integrated use of accumulated points, and more particularly, to a payment method using an NFC tag and a method for integrating and using a plurality of types of points at the time of payment.

Various offline payment methods using smartphones have been proposed.

For example, Samsung Pay uses NFC (Near Field Communication) technology to transmit data wirelessly by implementing the contact-type magnetic payment system widely used in existing card terminals with a magnetic field. It is a payment solution that combines technology and its own security token technology. In this solution, it is much safer in terms of security because it creates disposable virtual card information and automatically destroys the information when payment is completed/cancelled or over time. If you want to make an NFC payment, inform the store staff that you will pay with Samsung Pay, select the credit card you want to pay with in the Samsung Pay app, perform user authentication such as biometrics or password input, and insert the smartphone into the NFC reader. to approach

In the case of Apple Pay, if you want to make an NFC payment, tell the store staff to pay with Apple Pay, and bring your iPhone near the NFC reader, along with the Wallet screen, Touch ID / Face ID ( Face ID) an interface requesting authentication appears, and payment proceeds when fingerprint recognition or face recognition is performed.

As described above, in the case of the conventional offline payment method using NFC, payment is made by bringing the smartphone to the NFC reader installed in the store. However, if you want to pay a part of the payment using accumulated points, verbally tell the store staff that you want to use the accumulated points, enter a phone number or present a point card in a terminal provided in the store, and provide a password Separate operations for point use, such as user authentication such as input, must be performed with the help of store staff. Also, there is a problem in that the types of points that can be used are limited to the point service subscribed by the store.

In addition, since the conventional NFC payment requires the use of an NFC reader, there is a burden of cost because an NFC reader must be installed in each store, and it is cumbersome and inconvenient because the delivery person has to carry the NFC reader when paying for food delivered.

The present invention has been made in view of this point, and an object of the present invention is to provide a payment method using a smartphone that can conveniently perform offline payment with a smartphone. Another object of the present invention is to provide a payment method using a smartphone that does not need to install an NFC reader in a store. Another object of the present invention is to provide a payment method using a smart phone that enables payment while integrating and using mileage issued by various entities.

A payment method using a smartphone according to an embodiment of the present invention includes: a payment method information transmission step in which a payment app installed on the smartphone transmits store information, payment method information, and payment app information to an O2O intermediary server; A payment amount information transmission step in which the merchant POS terminal transmits store information and payment amount information to an O2O intermediary server; Among the information received by the O2O intermediary server from a plurality of payment apps and information received from a plurality of merchant POS terminals, for payment amount information and payment method information that match store information, payment approval is made to the payment server corresponding to the payment method information. requesting payment approval request step; and when payment is approved, the O2O intermediary server transmits the payment result to the payment app and the merchant POS terminal.

The payment approval request step includes matching, by the O2O intermediary server, the payment amount information and the payment method information in which the store information matches among the information received from the plurality of payment apps and the information received from the plurality of merchant POS terminals, and the matched payment amount It may include the steps of transmitting information and store information to the corresponding payment app to receive payment confirmation, and if there is payment confirmation from the payment app, requesting payment approval to a payment server corresponding to the payment method information.

A payment method using a smartphone according to another embodiment of the present invention includes: a payment method information transmission step in which the payment app installed on the smartphone transmits store information, payment method information and payment app information to an O2O intermediary server; A payment amount information transmission step in which the merchant POS terminal transmits store information and payment amount information to an O2O intermediary server; Among the information received by the O2O intermediary server from a plurality of payment apps and the information received from a plurality of merchant POS terminals, for the payment amount information and payment method information that the store information matches, a plurality of membership servers for the purchaser corresponding to the payment method a point inquiry step of inquiring available points; transmitting, by the O2O intermediary server, the inquired point information to the payment app; transmitting information on points to be used in the payment app to an O2O intermediary server; The O2O intermediary server requests payment approval to the payment server corresponding to the payment method information for the payment amount obtained by subtracting the amount corresponding to the point to be used from the payment amount corresponding to the payment amount information, and information about the point to be used a payment approval request step of requesting a point deduction while transmitting information about the points to be used to one or more membership servers corresponding to ; and when payment is approved by the payment server and the use of points is approved by the one or more membership servers, the O2O intermediary server transmits the payment result to the payment app and the merchant POS terminal.

The payment approval request step includes an OTC request step in which the O2O intermediary server that has received the payment method information and payment app information from the payment app requests OTC to the payment server corresponding to the payment method information, and the payment server receiving the OTC request is OTC generating and transmitting to the O2O intermediary server; storing the OTC received by the O2O intermediary server in connection with the payment app information; It may include reading the OTC stored in association and requesting payment approval while transmitting payment amount information to the corresponding payment server.

Preferably, the store information transmitted by the payment app to the O2O intermediary server is read from the NFC tag provided in the store by the smartphone. The store information may include unique information about the store and unique information about the checkout counter.

In the payment method information transmission step, when NFC payment is selected, the payment app transmits payment method information and payment app information to an O2O intermediary server, and when the store information is read by tagging the NFC tag, the payment app reads the store It may include the step of transmitting the information to the O2O intermediary server. According to an embodiment, when the NFC tag is tagged with a smartphone, the payment app is loaded, and it is also possible to configure the NFC payment to be automatically or manually selected. The payment app transmits the store information read when tagging the NFC tag, payment method information, and payment app information to the O2O intermediary server.

According to the present invention, a purchaser can conveniently make a payment using a credit card or online payment method registered in a smart phone at an offline store. In addition, merchants can support payment using NFC by attaching only a relatively inexpensive NFC tag to the checkout without installing an NFC reader. According to an embodiment of the present invention, a buyer can conveniently use points of a plurality of mileage services while making a payment using a credit card or online payment method registered in a smartphone at an offline store. In addition, affiliates can enjoy the advantages of operating the mileage service without operating a separate independent mileage service.

1 is a block diagram showing a network environment to which a payment method of the present invention can be applied.
2 is a flowchart illustrating a payment procedure according to an embodiment of the present invention.
3 is an example of a screen displayed on a smartphone screen during payment according to the present invention.
4 is a flowchart illustrating a payment procedure according to another embodiment of the present invention.
5 is an example of a screen for selecting mileage to be used for payment in the embodiment of FIG. 4 .

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

1 is a block diagram showing a network environment to which a payment method of the present invention can be applied. In the present invention, the NFC tag is installed at the checkout counter of the store, and when the buyer pays at the checkout counter, the purchaser tags the NFC tag with his/her smartphone 100, and then receives the payment information to the smartphone and pays using the smartphone.

A single checkout counter may be provided in a store, or a plurality of checkout counters may be provided as in the case of a large store. POS terminals 200a, .., 200n are installed at each checkout counter. In an embodiment of the present invention, NFC tags 210a, .., 210n are installed for each checkout. When the buyer wants to pay according to the method of the present invention at the store, after executing the app for performing the method of the present invention (hereinafter referred to as 'payment app'), the smartphone 100 is placed next to the cash register NFC tag You can tag 210a and proceed with payment directly with your smartphone. In each NFC tag (210a, .., 210n), unique information that can distinguish a store (hereinafter referred to as 'store information') and unique information that can distinguish a checkout counter (hereinafter referred to as 'checkout information') is recorded, have. In the case of a store with only one checkout counter, the checkout counter information may be omitted. According to an embodiment, a single piece of unique information in which store information and checkout counter information are integrated may be recorded in the NFC tag. The payment app transmits the information read from the NFC tag to the O2O intermediary server 300 .

The payment app also transmits information indicating the payment method selected by the purchaser or set as a default (hereinafter referred to as 'payment method information') to the O2O intermediary server 300 . The payment method information may be transmitted to the O2O intermediary server 300 together with the store information after tagging the NFC tag 210a with a smartphone, and when the buyer selects NFC payment in the payment app, the payment method information is first transferred to the O2O intermediary server It is transmitted to 300 , and then when tagged with the NFC tag 210a, the store information may be configured to be transmitted to the O2O intermediary server 300 .

Each affiliated store POS terminal (200a, .., 200n) exchanges information related to payment with an O2O (Online to Offline) mediation server 300 that mediates the payment method of the present invention through a data communication network. Merchant POS terminals (200a, .., 200n) provide information on the amount of payment to be paid by the buyer to the O2O intermediary server 300 at the time of payment according to this embodiment (hereinafter referred to as 'payment amount information') and store information, checkout counter send information

The O2O intermediary server 300 receives store information and checkout counter information from the payment app, and receives store information, checkout counter information and payment amount information from the affiliated store POS terminals 200a, .., 200n. Since payment is made at several affiliated stores at the same time, the O2O intermediary server 300 matches the payment amount information and payment method information in which the store information matches the information received from the plurality of payment apps and the information received from the plurality of affiliated store POS terminals. Using the payment amount information and payment method information matched in this way, the O2O mediation server 300 requests payment approval from the payment server corresponding to the payment method information among the plurality of payment servers 400a, .., 400m. In a store having a plurality of checkout counters, checkout counter information may be further included.

The purchaser may pay part or all of the payment amount using mileage when making payment according to the method of the present invention. In addition, the mileage (or points) issued by a plurality of mileage management organizations can be integrated and used during a single payment. In FIG. 1, membership servers 500a, .., and 500l represent servers for managing mileage in such a mileage operating organization. The O2O mediation server 300 exchanges payment-related information with the membership server corresponding to the mileage that the purchaser has expressed intention to use among the plurality of membership servers 500a, .., and 500l. Each membership server (500a, .., 500l) is a mileage management server of an institution operating an independent mileage program, for example, a mileage service linked to a specific payment company such as a credit card company or an online payment company, an airline or an online shopping mall; A mileage program such as a mileage service linked to a specific company, such as a coffee shop chain, or a mileage service operated by a professional mileage agency may be included.

On the other hand, there is a case where the delivery person has a portable credit card payment terminal and pays with the purchaser's credit card. In the present invention, by installing an app (hereinafter referred to as 'POS app') serving as an affiliated store POS terminal on the delivery man's smartphone and allowing the delivery man to possess a unique NFC tag, it is configured to perform a payment according to the method of the present invention It is also possible to In addition, in a store such as a restaurant, rather than the customer going to the checkout to pay, the restaurant employee has a mobile terminal installed with the POS app and a unique NFC tag and goes to the customer's table to make payment according to the method of the present invention. possible. In the following description, the case where the buyer pays at the checkout counter of the store will be described as an example, but the procedure is substantially the same except that the merchant POS terminal is replaced with a mobile terminal in which the POS app is installed.

Next, a payment operation according to an embodiment of the present invention will be described with reference to FIGS. 2 and 3 .

A buyer who wants to pay by the payment method according to the present invention at the checkout counter of the store indicates to the cashier that he wants to pay by the payment method according to the present invention, and after executing the payment app installed in his/her smartphone 100 On the same screen as 3, the NFC payment 31 is selected from among various payment methods (31, 32, 33) supported by the payment app (step S201). In addition, the buyer can select the payment method to be used for this payment. If a payment method is not separately selected, a payment method set as a default may be used. The payment method may include various online payment methods such as Naver Pay, Kakao Pay, and online gift certificate in addition to a credit card or check card.

In some embodiments, an authentication procedure for authenticating the purchaser may be added to step S201. For authentication, common authentication methods such as password authentication, pattern authentication, and biometric information authentication may be used. When NFC payment is selected, the payment app transmits the unique ID of the payment app (hereinafter referred to as 'payment app information') and payment method information to the O2O intermediary server 300 (step S207). Meanwhile, even if not specified in this specification, when data is transmitted from the payment app to the O2O intermediary server 300, the payment app information may always be transmitted together. According to an embodiment, in order to authenticate that the user is a legitimate user of the payment method, authentication information obtained by encrypting a password input by the user may also be transmitted to the O2O intermediary server 300 .

On the other hand, when the purchaser expresses his/her intention to pay by the payment method according to the present invention, the cashier also selects the NFC payment function in the affiliated store POS terminal 200a (step S203). Then, the affiliated store POS terminal 200a transmits store information indicating the corresponding store, checkout counter information indicating the corresponding checkout counter, and information on the amount of payment to be paid by the buyer to the O2O intermediary server 300 (step S205). In the case of a store having only one checkout counter, the checkout counter information may be omitted, and in some embodiments, the store information and the checkout counter information may be transmitted as one unique piece of information in which the store information and the checkout counter information are integrated. The O2O mediation server 300 stores the received payment amount information in association with store information and checkout counter information.

When the O2O intermediary server 300 receives payment app information and payment method information from the purchaser's payment app, OTC while transmitting payment method information and encrypted authentication information to the payment company server 400a corresponding to the received payment method information (One-time code, one-time authentication code) is requested (step S209).

The payment company server 400a that has received the OTC request from the O2O intermediary server 300 generates OTC when it is confirmed that the user is a legitimate user using the payment method information and authentication information (step S211), and is generated as a response to the OTC request. The OTC is transmitted to the O2O mediation server 300 (step S213). The O2O mediation server 300 that has received the OTC stores the received OTC and payment app information in association.

On the other hand, after step S201, the purchaser tags the NFC tag 210a provided at the checkout while the payment app is running (step S215). At least store information and checkout counter information is recorded in the NFC tag 210a. The payment app that reads the store information and the checkout counter information from the NFC tag 210a transmits it to the O2O intermediary server 300 together with the payment app information (step S217). In some embodiments, it is also possible to omit step S207 and to transmit payment app information, payment method information, store information, and checkout counter information to the O2O intermediary server 300 in step S217.

In addition, according to an embodiment, it may be configured such that the tagging operation may be performed first before step S201 is performed. That is, when the user touches the smartphone to the NFC tag 210a, the payment app is automatically opened, and the payment app reads the store information and checkout counter information from the NFC tag 210a and sends it together with the payment app information to the O2O intermediary server 300. send. The user performs step S201 of selecting a payment method after tagging to the NFC tag 210a, and performs step S207 in which the payment app transmits payment app information and payment method information to the O2O intermediary server 300.

According to an embodiment, it may be configured to automatically select an NFC payment option when a tagging operation is performed. According to the embodiment, it is also possible to configure the store information and checkout counter information read from the NFC tag 210a, and the user-selected or pre-selected payment method information and payment app information to be transmitted to the O2O intermediary server 300 at once. .

The O2O intermediary server 300 that has received the store information, checkout counter information, and payment app information from the payment app brings the stored OTC in connection with the payment app information. In addition, the O2O intermediary server 300 fetches the stored payment amount information in connection with the received store information and checkout information (step S219), and transmits the imported OTC and payment amount information to the payment company server 400a (step S221) .

The payment company server 400a checks whether the payment method corresponding to the received OTC is in a state capable of paying the payment amount corresponding to the received payment amount information (step S223), and determines whether the payment is approved or not, the O2O intermediary server 300 to (step S225). The O2O intermediary server 300 transmits the received payment approval back to the affiliated store POS terminal 200a (step S227), and the affiliated store POS terminal 200a outputs a receipt (step S229). The O2O intermediary server 300 also transmits the payment approval result to the purchaser's payment app (step S231), and the payment app stores it.

According to the above procedure, the purchaser can make a payment using a credit card or online payment method registered in the smartphone at the offline store. In addition, merchants can support payment using NFC by attaching only a relatively inexpensive NFC tag to the checkout without installing an NFC reader.

According to another embodiment of the present invention, when making a payment using a smartphone in an offline store, mileage (or accumulated points) accumulated from different mileage providers may be integrated and used. This will be described with reference to FIGS. 4 and 5 .

At the checkout counter of the store, a buyer who wants to pay using mileage with the payment method according to the present invention indicates to the cashier staff that he/she wants to pay with the payment method according to the present invention while using the mileage, and sends it to his/her smartphone 100. After running the installed payment app, select NFC payment + use point (32) on the screen as shown in FIG. 3 (step S401). In addition, the buyer can select the payment method to be used for this payment. If a payment method is not separately selected, a payment method set as a default may be used.

In some embodiments, an authentication procedure for authenticating the purchaser may be added to step S401. For authentication, common authentication methods such as password authentication, pattern authentication, and biometric information authentication may be used. When NFC payment + point use (32) is selected, the payment app transmits the unique ID and payment method information of the payment app to the O2O intermediary server 300 (step S407). In addition, according to the embodiment, in order to authenticate that the user is a legitimate user of the payment method, authentication information obtained by encrypting a password input by the user may also be transmitted to the O2O intermediary server 300 .

On the other hand, when the purchaser expresses his/her intention to pay by the payment method according to the present embodiment, the cashier also selects the NFC payment + point use function in the affiliated store POS terminal 200a (step S403). Then, the affiliated store POS terminal 200a transmits store information, checkout counter information, and payment amount information to the O2O intermediary server 300 (step S405). In the case of a store having only one checkout counter, the checkout counter information may be omitted, and in some embodiments, the store information and the checkout counter information may be transmitted as one unique piece of information in which the store information and the checkout counter information are integrated. The O2O mediation server 300 stores the received payment amount information in association with store information and checkout counter information.

When the O2O intermediary server 300 receives payment app information and payment method information from the purchaser's payment app, OTC while transmitting payment method information and encrypted authentication information to the payment company server 400a corresponding to the received payment method information (One-time code, one-time authentication code) and CID (Card ID) are requested (step S409). In one embodiment of the present invention, the CID is used to identify the purchaser. The membership servers 500a, .., and 500l also store CIDs for each member. Depending on the embodiment, the membership number and authentication number used to specify the purchaser in the membership servers (500a, .., 500l) may be configured so that the purchaser registers in advance in the O2O mediation server 300 and uses it. In this case, the CID may not be requested from the payment company server 400a.

When the payment company server 400a, which has received the OTC and CID request from the O2O intermediary server 300, is confirmed as a legitimate user using the payment method information and authentication information, inquires the CID corresponding to the received payment method information and generates an OTC do (step S411). Then, as a response to the OTC and CID request, the CID and OTC are transmitted to the O2O mediation server 300 (step S413). The O2O intermediary server 300 that has received the CID and OTC stores the received CID, OTC and payment app information in association.

After step S401, the purchaser tags the NFC tag 210a provided at the checkout while the payment app is running (step S415). At least store information and checkout counter information is recorded in the NFC tag 210a. The payment app that reads the store information and the checkout counter information from the NFC tag 210a transmits it to the O2O intermediary server 300 together with the payment app information (step S417).

The O2O mediation server 300 reads the stored payment amount information in connection with the received store information and checkout information (step S419). In addition, the O2O intermediary server 300 receiving the store information, checkout counter information, and payment app information from the payment app inquires the CID stored in connection with the payment app information, and returns the inquired CID and store information to a plurality of membership servers 500a, .., 500l), the user corresponding to the CID requests how many points (hereinafter referred to as 'point information') can be used in the store corresponding to the store information (steps S421 and S423).

Each membership server 500a, .., 500l calculates points that a user corresponding to the CID can use in a store corresponding to the store information by a user corresponding to the CID based on the received CID and store information (step S425), The calculated point information is transmitted to the O2O mediation server 300 (step S427).

According to an embodiment, the point information may further include information such as a minimum payment amount that can use the points. In addition, according to the embodiment, the O2O mediation server 300 requests point information while transmitting the payment amount information along with the CID and store information to the membership servers 500a, .., 500l, and each membership server 500a, .. , 500l) may be configured to calculate points that the user can use in a store corresponding to the store information according to the received CID, store information, and payment amount information.

The O2O mediation server 300 that has received the point information from the membership servers 500a, .., 500l transmits it to the payment app of the purchaser's smartphone (step S429). The payment app that has received the point information displays point information available to the user on the screen. Fig. 5 shows an example of a screen in this case.

The purchaser selects a point to be used from the displayed point information (step S431). For example, on the screen (a) of FIG. 5 , the buyer presses the 'use' button of the point to be used for this payment. Then, a screen as shown in (b) of FIG. 5 appears, and the buyer can input the amount of points he wants to use on this screen. It can be configured to select points provided by a plurality of mileage services during a single payment. For example, after selecting OK Cash Back on the screen (a) of FIG. 5 and entering OK Cash Back points to use, select Happy Points on the screen (a) of FIG. 5 again and input the amount of Happy Points to be additionally used for this payment. can

The payment app transmits information about the point selected in step S431 (hereinafter referred to as 'point information to be used') to the O2O intermediary server 300 (step S433).

The O2O intermediary server 300 that has received the point information to be used from the payment app performs payment using a payment method and the use of points according to the received information, respectively, to the payment company server 400a and the corresponding membership server 500a, .., 500l) (step S435). That is, the O2O intermediary server 300 transmits the actual payment amount obtained by subtracting the amount according to the point information to be used from the payment amount according to the payment amount information, and OTC and store information to the payment company server 400a (step S437), and the point to be used While transmitting the CID, store information, and information on the points to be deducted to the membership servers 500a, .., 500l corresponding to the information, the deduction of points is requested (step S439).

For example, if the amount of payment is 40,000 won, of which 1,000 won is used with A mileage service points, and 2500 won is used with B mileage service points, the O2O intermediary server 300 is the server of the payment company selected by the buyer. Requests a payment of 36,500 won to the A mileage service membership server, and requests the deduction of points equivalent to 1,000 won to the membership server of the B mileage service and 2500 won to the membership server of the B mileage service.

The membership server that has been requested to deduct points approves the use of the points if points are available, and deducts the requested points from the accumulated points of the purchaser (step S441). The settlement of the amount according to the deducted points may be periodically performed by the mileage manager for each store. The result of the point deduction will be notified to the purchaser according to the policy of each mileage manager.

The payment company server 400a checks whether the payment method corresponding to the received OTC is in a state capable of paying the payment amount corresponding to the received payment amount information, and if the payment is possible, approves the payment (step S2443). The payment company server 400a transmits the payment approval result to the O2O intermediary server 300 (step S445). When the payment is approved, the O2O intermediary server 300 transmits the payment amount and point usage information by the payment method to the affiliated store POS terminal 200a (step S451), and the affiliated store POS terminal 200a outputs a receipt including this information do (step S453). The O2O intermediary server 300 also transmits payment and point usage details to the purchaser's payment app (step S447), and the payment app stores it (step S449).

When the payment approval or the point deduction request is rejected, the O2O intermediary server 300 cancels the payment approval request and the point deduction request, and it can be configured to notify the payment app and the merchant POS terminal 200a that the payment has failed. .

According to the above procedure, the purchaser can use the points of a plurality of mileage services while making a payment using a credit card or online payment method registered in a smartphone at an offline store. In addition, merchants can support payment using NFC by attaching only a relatively inexpensive NFC tag to the checkout without installing an NFC reader.

On the other hand, according to the embodiment, after step S219 or step S419, the O2O intermediary server 300 transmits the payment amount information received from the merchant POS terminal 200a to the payment app with the matching checkout information, and if the payment app approves It is also possible to configure to perform step S221 or step S421. That is, the O2O intermediary server 300 matches the payment amount information and the payment method information in which the store information matches the information received from the plurality of payment apps and the information received from the plurality of merchant POS terminals at the same time, and then By transmitting the matched payment amount information and store information to the corresponding payment app, the buyer can confirm whether it is correct to pay for this payment amount at this store. And if there is payment confirmation from the payment app, the procedure from step S221 or step S421 is performed.

As mentioned above, although the present invention has been described by citing several examples, the present invention is not necessarily limited to these embodiments even though it has been described that all components constituting the embodiment of the present invention are combined or operated in combination. That is, within the scope of the object of the present invention, all the components may operate by selectively combining one or more. In addition, all of the components may be implemented as one independent hardware, but some or all of the components are selectively combined to perform some or all functions of the combined components in one or a plurality of hardware program modules It may be implemented as a computer program having Codes and code segments constituting the computer program can be easily deduced by those skilled in the art of the present invention. Such a computer program is stored in a computer or processor-readable storage medium, read and executed by the computer or processor, thereby implementing the embodiment of the present invention.

Terms such as "include", "compose" or "have" described above mean that the corresponding component may be inherent unless otherwise stated, so it does not exclude other components. It should be construed as being able to further include other components.

The above description is merely illustrative of the technical spirit of the present invention, and various modifications and variations will be possible without departing from the essential characteristics of the present invention by those skilled in the art to which the present invention pertains. Accordingly, the embodiments disclosed in the present invention are not intended to limit the technical spirit of the present invention, but to explain, and the scope of the technical spirit of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present invention.

100 Smartphones,
200a, .., 200n POS terminals,
210a, .., 210n NFC tag,
300 O2O mediation server,
400a, .., 400m payment server,
500a, .., 500l membership server.

Claims (6)

A payment method information transmission step in which the payment app installed on the smartphone transmits store information, payment method information, and payment app information to an O2O intermediary server;
A payment amount information transmission step in which the merchant POS terminal transmits store information and payment amount information to an O2O intermediary server;
Among the information received by the O2O intermediary server from a plurality of payment apps and the information received from a plurality of merchant POS terminals, for the payment amount information and payment method information that match the store information, the O2O intermediary server issues payment approval to the payment server corresponding to the payment method information. requesting payment approval request step;
When payment is approved, the O2O intermediary server transmits the payment result to the payment app and the merchant POS terminal
A payment method using a smartphone equipped with According to claim 1,
The store information that the payment app transmits to the O2O intermediary server is that the smart phone is read from the NFC tag provided in the store, a payment method using a smartphone. The method of claim 2 , wherein the store information includes unique information about a store and unique information about a checkout counter. The method of claim 3, wherein the step of transmitting the payment method information comprises:
When NFC payment is selected, the payment app transmitting payment method information and payment app information to an O2O intermediary server;
When the store information is read by tagging the NFC tag, transmitting the store information read by the payment app to the O2O intermediary server
A payment method using a smartphone, including. The method of claim 4, wherein the payment approval request step comprises:
A step of matching, by the O2O intermediary server, the payment amount information and the payment method information that the store information matches among the information received from the plurality of payment apps and the information received from the plurality of merchant POS terminals;
Sending the matched payment amount information and store information to the payment app to receive payment confirmation;
If there is payment confirmation from the payment app, requesting payment approval to the payment server corresponding to the payment method information
A payment method using a smartphone, including. The method of claim 4, wherein the payment approval request step comprises:
an OTC request step in which the O2O intermediary server that has received payment method information and payment app information from the payment app requests OTC to the payment server corresponding to the payment method information;
The payment server receiving the OTC request generates an OTC and transmits it to the O2O intermediary server;
Storing the OTC received by the O2O intermediary server in connection with the payment app information;
The O2O intermediary server, which has received the store information from the payment app, reads the stored OTC in connection with the payment app information, and transmits the payment amount information to the corresponding payment server, requesting payment approval
A payment method using a smartphone, including.

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