KR20220037714A - Simple payment service Apparatus and simple payment method using the same - Google Patents

Abstract

In these embodiments, provided is a simple payment service device which includes a processor and a memory storing a program executed by the processor. The processor is configured to: allow, when a buyer makes a payment, payment information that is read and generated by an operator terminal or a buyer terminal to be managed by a management server; transmit, when the management server analyzes the payment information and determines that the payment is made by a credit card, a payment request signal including payment information and operator information to a VAN server or transmit, when the management server determines that the payment is made through payment pay, the payment request signal to a payment server; proceed with payment to a bank or a credit card company depending on whether the payment is made by a credit card or the payment is made through payment pay; and transmit, when the payment is approved or canceled, payment processing information including payment approval or payment cancellation from the management server to the operator terminal or buyer terminal so as to complete the payment. According to the present invention, problems such as inconvenience and security issues of a simple payment system can be resolved.

Description

Simple payment service device and simple payment method using the same {Simple payment service Apparatus and simple payment method using the same}

The present invention relates to a simple payment service apparatus and a payment method using the same, and more particularly, to a simple payment service apparatus using a QR code-based simple payment method and a payment method using the same.

The content described in this section merely provides background information for the present embodiment and does not constitute the prior art.

Consumers have made payment by selecting various methods such as cash payment (transfer), credit card payment, check card payment, and simple payment as a method for payment after purchasing a product. It focuses on convenience, security and accessibility.

The cash payment method is the simplest and most secure, but there are inconveniences that consumers must always have cash, and for cash transfer, a balance in a bankbook is required or a complicated process for transfer exists. . Afterwards, a credit card was issued from a financial service provider (card company, bank, etc.) in which the payment was made first with the concept of deferred payment and then transactions between the financial service provider and the consumer were made at regular intervals.

For the above-mentioned post-payment concept, a value-added network (VAN) in the middle installs a terminal according to a contract with a card company and affiliated store, inquiry, approval of credit cards, etc. Card companies and buyers make transactions through a business that provides telecommunication services for approval and relaying.

Debit card transaction is a general prepaid card concept, based on the passbook owned by the buyer, and is settled as the balance is deducted from the passbook at the time of payment. Although this market has been continuously developed, from the point of view of sellers, such as small business owners, a certain portion of fees (card fees, VAN fees) must be treated as expenses for each sale, thereby deteriorating profitability. Due to the development of the mobile communication market, transactions can be made directly with financial companies without using the functions of VAN companies using applications, barcodes, and QR codes. there is.

It is predicted that this financial transaction market will continue to develop in the future along with the development of mobile technologies such as facial recognition and iris recognition, recognition technology, and security technology. In addition, in the payment market, which was formed mainly by financial companies, various stakeholders such as platform operators who build and service trading platforms and distributors with purchased products are entering this market.

Embodiments of the present invention solve problems such as inconvenience and security of simple payment by improving the user's inconvenient usage method while maintaining the seller's low fee and convenience of payment method in the continuously increasing simple payment This is the main purpose of the invention.

Other objects not specified in the present invention may be additionally considered within the scope that can be easily inferred from the following detailed description and effects thereof.

According to one aspect of this embodiment, the present invention provides a simple payment service device including a processor and a memory for storing a program executed by the processor, wherein the processor is generated by reading the operator terminal or the purchaser terminal when the purchaser pays. Manages payment information through a management server, and the management server analyzes the payment information to transmit a payment request signal including the payment information and business information to the VAN server when payment is made through a card, and payment through payment pay transmits the payment request signal to the payment server, proceeds with payment to a bank or card company according to payment through the card or payment through the payment pay, and when payment is approved or canceled, payment approval or payment cancellation We propose a simple payment service device, characterized in that the payment processing information including the transfer from the management server to the operator terminal or the purchaser terminal to complete the payment.

According to another embodiment of the present invention, there is provided a simple payment method by a simple payment service device, the method comprising the steps of: when a purchaser makes a payment, reading the operator terminal or the purchaser terminal and managing the generated payment information through a management server; The management server analyzes the payment information and transmits a payment request signal including the payment information and business information to the VAN server in case of payment through a card, and sends the payment request signal to the payment server in case of payment through payment pay delivering; And when payment is made to a bank or a card company according to payment through the card or payment through the payment pay, and payment is approved or canceled, payment processing information including payment approval or payment cancellation is transmitted from the management server to the operator We propose a simple payment method comprising the step of transferring to a terminal or the purchaser terminal to complete the payment.

As described above, according to the embodiments of the present invention, the present invention has the effect of improving the user's inconvenient usage method while maintaining the seller's low fee, the convenience of the payment method, etc., which are the advantages of QR-based simple payment. can provide

Even if it is an effect not explicitly mentioned herein, the effects described in the following specification expected by the technical features of the present invention and their potential effects are treated as if they were described in the specification of the present invention.

1 is a block diagram illustrating a simple payment service system according to an embodiment of the present invention.
2 is a configuration diagram illustrating a simple payment service system according to an embodiment of the present invention.
3 is a diagram illustrating a payment process in a business terminal of a simple payment service system according to an embodiment of the present invention.
4 is a block diagram illustrating a terminal of a business operator of a simple payment service system according to an embodiment of the present invention.
5 is a flowchart illustrating a simple payment method according to an embodiment of the present invention.
6 is a flowchart illustrating a payment processing process of a management server in a simple payment method according to an embodiment of the present invention.
7 is a diagram illustrating monitoring of a simple payment service device according to an embodiment of the present invention.
8 is a block diagram illustrating and describing a computing environment including a computing device suitable for use in embodiments.

Hereinafter, in the description of the present invention, if it is determined that the subject matter of the present invention may be unnecessarily obscure as it is obvious to those skilled in the art with respect to related known functions, the detailed description thereof will be omitted, and some embodiments of the present invention will be described. It will be described in detail with reference to exemplary drawings. However, the present invention may be embodied in various different forms, and is not limited to the described embodiments. In addition, in order to clearly explain the present invention, parts irrelevant to the description are omitted, and the same reference numerals in the drawings indicate the same members.

and/or includes a combination of a plurality of related recited claims or any of a plurality of related recited claims.

When a component is referred to as being “connected” or “connected” to another component, it may be directly connected or connected to the other component, but it is understood that other components may exist in between. it should be

The suffixes "module" and "part" for components used in the following description are given or mixed in consideration of only the ease of writing the specification, and do not have distinct meanings or roles by themselves.

Terms such as first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another.

The present invention relates to a simple payment service system and a simple payment method using the same. The simple payment method may be performed by the simple payment service system.

In general credit card payment, when a business selling a product enters a payment amount into a card terminal with a credit card provided by a buyer, payment information (card information, merchant name, payment amount, payment date, payment) for approval inquiry time, etc.) will be provided to the VAN company. At this time, VAN (Value-added Network) refers to a value-added network, and the VAN collects payment information from affiliated stores and classifies/delivers it to the relevant card company, and receives a flat or fixed rate fee for this. With respect to the received information, the card company certifies the existence of a normal card and grants approval. After that, the card company pays the business excluding the card fee (including the VAN fee) within a few days, and charges the card amount to the buyer on a set date.

As a payment method that allows the buyer to pay in cash, the buyer requests the product and pays with the debit card provided by the user's bank, then the transaction details and withdrawal are made to the debit payment agency operating the same as the VAN company of the credit card. Request information (purchase amount, business/buyer bank, withdrawal request, etc.) When the business makes a deposit request and instructions to the bank, the seller's bank notifies the business of the deposit details as requested. .

In general online payment, when a subscriber who has been authenticated by the online shopping mall through mobile or PC selects a product in the online shopping mall and proceeds with payment through a credit card, the approved amount and transaction data are sent to the Payment Gateway (PG). agency), and the PG company transmits the transaction data to the credit card company through the VAN company to obtain approval. At this time, the PG company receives a brokerage fee and operates the same as the VAN company for the approved amount. Compared with the existing offline stores, the difference is whether there is a PG company. PG is a company that provides a safe electronic payment environment in an online environment and receives a fee for it.

The QR payment method is a payment method that was developed to lower the fee as the revenue of the operator decreases due to various fees as seen in the mobile environment and the increase of mobile users and the above-mentioned payment method. It is a method that combines the advantages of direct payment (low fees, etc.). That is, when the buyer installs the application on the mobile and approves the payment using the QR code for the payment amount, the buyer uses the mobile as a credit card by providing a service to make a transaction between the buyer and the operator, Businesses do not have to pay any additional fees. This is called Pay Easy Payment Service. It is a payment method using QR code for simple payment. Currently, local governments, governments, and companies that provide private simple payment services use the same payment method as money in a specific purpose and region to pay. In the past, QR code Instead, it was applied in the form of a bar code, but was replaced with a QR code due to security vulnerabilities and information vulnerabilities. Compared to a one-dimensional bar code, a QR code with a quadrilateral frame can put a lot of information, and security methods such as duplication can be strengthened.

Two methods are usually applied to this QR payment method. The first is the MPM (Merchant Presented Mode) method, which is a payment method using the QR code presented by the merchant. Specifically, when a consumer purchases a product, the consumer executes an App required for purchase. At the same time, when the seller presents the QR code to the seller's terminal, the consumer takes a picture of it with the executed app, and when the user enters the amount, the consumer pays the amount from the registered account bank to the merchant's bank through the service provider's platform. do. Businesses using this method currently support the QR code MPM method in simple payment apps such as Kakao Pay, Naver Pay, BC Card, and Shinhan Card.

The second is the structure in which the target for executing the QR code is opposite to that of the MPM method. In the CPM (Customer Presented Mode) method, when a consumer purchases a product (509), runs a specific app and presents a QR code, the seller scans the QR code, enters the amount, and completes the payment. It is done in the same way as the MPM method.

Credit card mobile pay product payment is a method of storing credit card information in a mobile terminal and paying for it to an existing seller's payment terminal using a non-contact wireless communication method such as NFC. When a mobile user registers a card to be used in the Pay Application built into the mobile, the card information is stored in the smartphone memory. After purchasing the item you want to purchase, run the application on your mobile device, call up a card you want to pay for, activate the payment mode through your fingerprint or password, and then tag the NFC contact on the side or front of the payment terminal. The payment is completed, and the payment process is then performed in the same way as the credit card payment process. In this case, the credit card information stored in the terminal is generally a card number, expiration date, owner's name, and the like.

The above-described payment methods are examples of payments performed online and offline, and the present invention intends to solve the problem of the QR code-based simple payment service among them. Although QR-based payments are currently likely to continue to increase, simple payment providers (platform operators, financial operators, local governments, etc.)

In addition, there are barriers that prevent market expansion, such as performing additional management tasks or settlement tasks such as QR codes of different simple business operators or affiliate registration and management. In addition, there is a constraint that slows the development due to scattered data for the advancement of the financial market (fintech, big data, etc.) through such simple payment.

Accordingly, the simple payment service system 10 of the present invention improves the user's inconvenient usage method while maintaining the seller's low fee and the convenience of the payment method, which are the advantages of QR-based simple payment, and, through this, We want to provide a way to create synergy in business such as marketing.

A buyer can be implemented as a consumer, a buyer, a payer, etc., and is a person who pays to purchase a product.

A business operator can be implemented as a seller, an affiliate manager, etc., and is a person who sells products and receives money.

1 is a block diagram illustrating a simple payment service system according to an embodiment of the present invention.

Referring to FIG. 1 , the simple payment service system 10 includes a purchaser terminal 100 , a business operator terminal 200 , and a simple payment service device 300 .

The purchaser terminal 100 and the operator terminal 200 are electronic devices that transmit data required for processing by the simple payment service device 300 and receive the processed data. The purchaser terminal 100 and the operator terminal 200 may be implemented as computing devices, and may include a smart phone, a personal computer (PC), a tablet PC, and a portable personal information terminal (Personal Digital). Assistant, PDA), and may be a laptop (Laptop), but is not limited thereto.

The purchaser terminal 100 , the operator terminal 200 , and the simple payment service device 300 are connected through a communication network. The communication network refers to a set of communication facilities connected for the purpose of enabling communication between the purchaser terminal 100 , the operator terminal 200 , and the simple payment service device 300 . The communication network 40 includes a node, a line, a trunk line, a satellite, and the like, and these are connected and connected to each other.

The purchaser terminal 100 and the operator terminal 200 are capable of wired and wireless communication. For example, various communication protocols such as short-range wireless communication, long-distance wireless communication, mobile communication, and wireless LAN communication may be used for wireless communication. Examples of wireless communication protocols include Near Field Communication (NFC), ZigBee, Bluetooth, Wi-Fi, WiMAX, GSM (Global System For Mobile Communication), 3G (Third Generation) There are mobile communication, Long Term Evolution (LTE), 4G, 5G, etc., but is not limited thereto.

The simple payment service device 300 includes a database. A database refers to a data storage form in which data search, extraction, deletion, editing, and addition can be freely performed. Databases are Oracle, Infomix, Sybase, Relational Data Base Management System (RDBMS), Gemston, Orion, and object-oriented database management system ( Object Oriented Database Management System (OODBMS) may be implemented according to the purpose of the present embodiment by using a distributed database, cloud, or the like.

The simple payment service device 300 includes a processor and a memory for storing a program executed by the processor. Here, the simple payment service device 300 may be implemented as a simple payment service server.

According to an embodiment of the present invention, the processor may generate and store a history of actions by an act of making a payment through the purchaser terminal 100 and the operator terminal 200 . For example, the behavior history may be a history of selecting a payment method used for payment, and through this, a payment method preferred by a buyer and a business operator can be identified.

The simple payment service device 300 may manage payment information generated by reading the operator terminal 200 or the purchaser terminal 100 when the purchaser makes a payment through the management server 310 .

The simple payment service device 300 transmits a payment request signal including payment information and business operator information to the VAN server 320 when the management server 310 analyzes payment information and is payment through a card, and through payment pay In the case of payment, a payment request signal may be transmitted to the payment server 400 .

When the buyer uses the card, the card number, expiration date, owner name, card company name, etc. may be included in the payment information. may be included, but is not necessarily limited thereto.

The simple payment service device 300 performs payment to a bank or card company according to payment through a card or payment through payment pay, and when payment is approved or canceled, payment processing information including payment approval or payment cancellation The payment may be completed by transferring it from the server 310 to the operator terminal 200 or the purchaser terminal 100 .

The simple payment service device 300 performs monitoring to provide registration, cancellation, management, and sales management of a merchant performing payment to the operator terminal 200 or the purchaser terminal 100, and payment information, operator information, payment Process information can be accumulated and analyzed.

The operator terminal 200 may recognize the purchaser terminal 100 and recognize a payment method according to the purchaser terminal 100 to drive a reader according to the payment method. Specifically, the operator terminal 200 may be driven by a CPM reader in the case of the CPM payment method, and may be driven by an MPM reader in the case of the MPM payment method, but is not necessarily limited thereto.

The simple payment service device 300 transmits a payment request signal to the VAN server 320 or the payment server 400 when the purchaser terminal 100 requests payment through a reader according to the payment method, and pays using the payment request information can be performed.

The payment method is CPM payment in which the operator terminal 200 reads the first code generated in the purchaser terminal 100 to perform payment, and the purchaser terminal 100 reads the second code generated in the operator terminal 200 to make payment MPM payment to be performed may be included, but is not necessarily limited thereto.

When the simple payment service device 300 is driven by CPM payment, the payment server ( 400 ), and when the payment is approved, the result is transmitted to the purchaser terminal 100 and the management server 310 , and an approval completion indication may be provided to the purchaser terminal 100 .

When the simple payment service device 300 is driven by MPM payment, the management server 310 and the payment server 400 scan the second code presented by the purchaser terminal 100 and input the payment amount to generate payment request information. ), and when payment is approved based on payment request information, payment completion information may be transmitted to the management server 310 , and an approval completion indication may be provided to the operator terminal 200 .

The operator terminal 200 manages a photographing unit 230 for generating code information by photographing the code generated by the purchaser terminal 100, a signal processing unit 240 for interpreting the code information and converting it into a digital signal, and a digital signal It may include an interlocking unit 270 that interworks with the server 310 .

The simple payment service device 300 may manage the payment information generated by the management server 310 receiving code information and a function for recognizing code information.

The payment information may be divided into payment information for payment, terminal production information generated by the operator terminal 200 or the purchaser terminal 100, and purchase information of a purchased product.

The simple payment service device 300 checks the errors and omissions of the payment information, and if there are no errors or omissions, stores it in the management server 310, and reformats the information set among payment information, production information, and purchase information to the payment server ( 400) can be transmitted.

The payment server 400 may check errors and omissions of the reformatted information and, if there are errors or omissions, may request retransmission to the management server 310 . Here, the payment server 400 is a process of reconfirming the errors and omissions first confirmed by the management server 310, and the errors and omissions that are not confirmed by the management server 310 are checked or generated when the reformatted information is transmitted. This can be done to check for errors and omissions.

According to an embodiment of the present invention, the simple payment service device 300 may check a forged QR code as well as check errors and omissions of payment information performed by the management server 310 and the payment server 400 . Specifically, the management server 310 may primarily determine whether or not forgery by first checking the grid pattern of the QR code horizontally and vertically, and the information contained in the QR code and the pre-stored information in the payment server 400 . can be compared to determine whether it is a forgery. Here, information may be encrypted when reformatting for security of information transmitted to the payment server 400 after primary determination. Specifically, the payment server 400 stores an algorithm including a combination of encrypted information and a code for decrypting an algorithm including a combination of encrypted information, and performs a decryption process when receiving encrypted information when reformatting. Using the information, it is possible to determine whether it is forgery or not. Accordingly, the simple payment service device 300 first determines whether the grid pattern is forged in the management server 310 , and secondarily determines whether the information contained in the code is forged in the payment server 400 .

In addition, according to an embodiment of the present invention, the simple payment service device 300 primarily checks both the horizontal and vertical grid patterns of the QR code in the management server 310 to determine whether it is forgery or not, in the deep learning Based on the image recognition model, it can be determined. The management server 310 may use a Generative Adversarial Network (GAN) to check the forged QR code and determine whether it is a forgery. Specifically, the management server 310 has a classification model for determining a QR code for payment and a forged QR code, respectively, so that they can learn hostilely to each other, and determine whether the QR code input for payment is real or fake. You can learn to judge. The management server 310 generates a counterfeit QR code when a QR photographed through payment is input, and the generator inputs label information and random noise of the QR code as inputs. Here, the discriminator is composed of a plurality of convolution filters, an activation layer, and a pooling layer, and a real/fake decision is made using the final feature value. The update of the filter coefficients of the classifier and the generator provides a more accurate discrimination result through feedback on the discrimination result (Real/Fake response) for the counterfeit QR code generated through the generator and the QR code for payment, which is a real sample. The filter coefficients are updated in the obtainable direction. Through this learning process, the filter coefficients of the generator may be determined.

The simple payment service device 300 performs an approval procedure according to the payment information, and when the payment is completed, transmits the payment processing information indicating the payment approval to the operator terminal 200 or the purchaser terminal 100, and payment When is canceled, payment processing information indicating payment cancellation may be transmitted to the operator terminal 200 or the purchaser terminal 100 .

The simple payment service device 300 may provide the management server 310 by reformatting the payment processing information and the payment information into format information according to the operator terminal 200 or the purchaser terminal 100 .

The simple payment service device 300 may further perform monitoring to check the information stored in the management server 310 in real time. The simple payment service device 300 records business information including the business type, trade name, and address of the business operator, and manages by matching information of at least one of the business type, business name, and address with the business information recorded in the payment server 400 . can

The monitoring may be provided to the operator terminal 200 by checking the purchase history, the type of payment payment, and payment processing information purchased by the purchaser for each operator information in real time.

The simple payment service device 300 accumulates business type, trade name, sales scale by address, product quantity, buyer gender, and buyer age information stored in the management server 310, and the characteristics of the commercial district by address through big data analysis, The circulation level for each product, the frequency of use for each payment pay, and the payment pay usage rate for each industry may be analyzed and provided to the operator terminal 200 .

According to an embodiment of the present invention, the simple payment service device 300 is executed through a processor, and the processor uses information generated by the purchaser terminal 100 and the operator terminal 200 in the simple payment service device 300 . Thus, the process for payment can be performed.

2 is a configuration diagram illustrating a simple payment service system according to an embodiment of the present invention;

Referring to FIG. 2 , the simple payment service system 10 includes a purchaser terminal 100 , a business operator terminal 200 , a simple payment service device 300 , and a payment server 400 . The purchaser terminal 100 includes a CPM payment app 110 and an MPM payment app 120 , and the operator terminal 200 includes a CPM payment reader 202 and an MPM payment reader 204 . The simple payment service device 300 includes a management server 310 , a VAN server 320 , a monitoring server 330 , and a database (DB, Database) 340 . The payment server 400 includes a plurality of pay servers 410 and a card server 420 . The simple payment service system 10 may omit some of the various components exemplarily illustrated in FIG. 2 or may additionally include other components.

The simple payment service system 10 is an advanced method of a QR code-based simple payment method.

The simple payment service system 10 provides the purchaser application 100 that provides two payment methods CPM and MPM, which are the purchaser's payment methods, the merchant terminal 200 that can read the purchaser's payment application, and the incoming payment information. It manages and processes and includes a simple payment service server 300 that delivers it to the corresponding payment server 400 .

The simple payment service device 300 analyzes business information for payment and transmits the payment information to the VAN server 320 in case of payment through a credit card app, and transfers payment information to each payment server 400 in case of payment through pay will do The payment server 400 analyzes the buyer's requirements (payment type) and proceeds with payment to a bank, a credit card company, etc. at a later stage. When the payment is approved, the approval/cancellation information is received from the management server 310 and transferred to the affiliated store to complete the final payment.

Here, the payment server 400 may be implemented as a service provider, and may be divided into a plurality of pay servers 410 for each pay company. For example, the payment server 400 includes Kakao Pay, Naver Pay, and the like. In addition, the payment server 400 also includes a card server 420 such as an app card.

The simple payment service device 300 additionally includes a monitoring system 330 for service to business operators/buyers such as registration, cancellation, management, and sales management of affiliated stores and a database (DB, Database) 340 for data accumulation/analysis. can be provided

The management server 310 and the VAN server 320 may make a payment approval request and a payment cancellation request, and may transmit a payment request signal including a payment approval request or a payment cancellation request to the payment server 400 .

3 is a diagram illustrating a payment process in a business terminal of a simple payment service system according to an embodiment of the present invention.

The buyer drives the apps 110 and 120 created through the CPM payment, MPM payment, and general pay gift certificate apps to bring the buyer terminal 100 to the QR reader of the operator terminal 200 installed in the affiliate store, or Payment can be made by touching the screen.

The QR reader of the operator terminal 200 recognizes each method and links the payment initial screen with the method of the payment application of the terminal to drive the CPM payment reader 202 and the MPM payment reader 204 .

When the CPM payment reader 202 is driven by the CPM payment method, the type of pay is selected, the selected QR is photographed using the application of the purchaser terminal 100 (130), the payment amount, etc. is inputted, and a payment request (140) ), a payment request signal is transmitted to the payment server 400 . A payment request signal including payment information and business information is transmitted to the corresponding payment server 400 , and when approval is completed, the result is transmitted to the purchaser terminal 100 or the business operator terminal 200 and the management server 310 .

When the MPM payment reader 204 is driven by the MPM payment method, the operator terminal 200 scans the QR code presented by the buyer, and when an amount is input, a payment request signal is transmitted to the management server 310, the management server 310 transmits it to the corresponding payment server 400 . When the transferred information goes through the financial processing process and approval is completed, a completion notification is notified to the management server 310 , and information about the approval completion is displayed visually on the purchaser terminal 100 or the operator terminal 200 .

In addition, in the case of a gift certificate (application, paper, etc.) with a general QR code indicated, the same proceeds as the MPM payment method, and the payment server 400 may be the operator that issued the gift certificate.

Therefore, by driving the CPM payment app 110 and the MPM payment app 120 with the purchaser terminal 100 and reading through the CPM payment reader 202 and the MPM payment reader 204 of the operator terminal 200, the management server 310 ) through the payment server 400, payment is approved or canceled, and payment processing information according to payment approval or payment cancellation may be transmitted to the operator terminal 200 or the purchaser terminal 100.

4 is a block diagram illustrating a terminal of a business operator of a simple payment service system according to an embodiment of the present invention.

Referring to FIG. 4 , the functional configuration of the operator terminal 200 may be confirmed. The operator terminal 200 includes a display unit 210 , a tag unit 220 , a photographing unit 230 , a signal processing unit 240 , a control unit 250 , a modem unit 260 , a management server interworking unit 270 , and a power supply unit. 280 and a wired/wireless charging unit 290 . The operator terminal 200 may omit some of the various components exemplarily illustrated in FIG. 4 or may additionally include other components.

The photographing unit 230 may read the QR code. The photographing unit 230 may read the QR code of the product and the function of recognizing the QR code presented by the purchasing customer and deliver it to the management server 310 .

The signal processing unit 240 may interpret the photographed QR code and convert it into a digital signal.

The modem unit 260 may transmit the signal processed by the signal processing unit 240 . Here, the modem unit 260 may transmit by wire or wirelessly, and may be applied or selected according to the environment and needs of the affiliated store.

The management server interworking unit 270 may interwork the processing result with the management server 310 .

The controller 250 may monitor and control the entire function.

The charging unit 290 may charge the operator terminal 200 and may be implemented in a wired or wireless manner.

The power supply unit 280 is a DT capable of performing power interlocking/resetting of the operator terminal 200 .

The display unit 210 may display an advertisement/guide stored in the control unit 260 , or an amount is input, an approval request, a key operation, transmitted from a server, or the like through the touch screen.

The tag unit 220 may transmit request information for the purchaser's terminal/application recognition,

5 is a flowchart illustrating a simple payment method according to an embodiment of the present invention. In the simple payment method, detailed descriptions and overlapping descriptions of operations performed by the simple payment service device will be omitted.

The simple payment method is a step in which the buyer reads the operator terminal or the buyer terminal and manages the generated payment information through the management server (S510), and the management server analyzes the payment information and, in the case of payment through a card, the payment information to the VAN server and transmitting a payment request signal including business operator information, and transmitting a payment request signal to the payment server in case of payment through payment pay (S520) and payment through a card or payment through payment pay to a bank or card company It includes a step (S530) of completing the payment by transferring payment processing information including payment approval or payment cancellation from the management server to the operator terminal or the purchaser terminal when the payment is made and the payment is approved or canceled.

In the step (S510) of the purchaser reading the operator terminal or the purchaser terminal and managing the generated payment information through the management server, the operator terminal recognizes the purchaser terminal, recognizes the payment method according to the purchaser terminal, and a reader according to the payment method When driving , when a purchaser terminal requests payment through a reader according to a payment method, a payment request signal may be transmitted to the VAN server or payment server, and payment may be performed using payment request information.

Step ( S520) is driven by CPM payment in which the operator terminal reads the first code generated in the purchaser terminal and performs payment, and MPM payment in which the purchaser terminal reads the second code generated in the operator terminal and performs payment includes steps.

The operation of the CPM payment in which the operator terminal reads the first code generated in the purchaser terminal and performs the payment is to select the type of payment pay, photograph the first code through the purchaser terminal, and input the payment amount to request payment Information may be generated and transmitted to the payment server, and when payment is approved, the result may be transmitted to the purchaser terminal and the management server, and an approval completion indication may be provided to the purchaser terminal.

The step driven by MPM payment, in which the purchaser terminal reads the second code generated by the operator terminal and performs the payment, scans the second code presented by the purchaser terminal and enters the payment amount to generate payment request information to the management server and payment It is transmitted to the server, and when payment is approved based on the payment request information, the payment completion information may be transmitted to the management server, and an approval completion indication may be provided to the operator terminal.

In FIG. 5, each process is interposed as sequentially executed, but this is merely illustrative, and those skilled in the art may change the order described in FIG. 5 within the scope not departing from the essential characteristics of the embodiment of the present invention Alternatively, various modifications and variations may be applied by executing one or more processes in parallel or adding other processes.

6 is a flowchart illustrating a payment processing process of a management server in a simple payment method according to an embodiment of the present invention.

The management server 310 receives a payment request signal from the reader (S610).

The information read from the operator terminal 200 is input to the management server 310, and the information is classified into separate information (S620).

Separate information classified is (i) information for payment, payment information for payment such as payment amount, payment server, payment account, (ii) terminal production information such as payment time and seller information, (iii) purchase It is classified as purchase information when the QR code of the product is read, such as product information (number, product name, etc.). Depending on the circumstances, there is no relation even if purchase information is omitted.

The classified information is checked for errors or omissions in the information (S630).

When it is confirmed as complete information, it is primarily stored in the management server 310 (S640), and at the same time only the necessary information is reformatted to the payment server 400 (S650) and transmitted (S660). Here, the transmission ( S640 ) may be performed to the payment server ( S662 ). The payment server may be implemented as a service platform.

At this time, the payment server 400 checks whether there is an omission/error of information that is likely to occur during transmission with respect to the received information (S664), and if there is an error in the information, a retransmission request is made to the management server 310.

If the information for payment is completely received, an approval procedure is performed (S670). When the payment is completed, the payment server 400 stores information for fee settlement with the seller, etc., and transmits that the payment is completed to the purchaser terminal 100 or the operator terminal 200, and the purchaser terminal 100 or the operator terminal 200 ) will notify the management server 310 that the payment is complete. At this time, the final approved information is stored in the DB and will be used for future settlement with business operators.

At this time, if the approval is rejected for any reason, a rejection message is transmitted to the purchaser terminal 100 or the operator terminal 200 and the process is terminated (S674).

Since the information transmitted from the management server 310 has a different format for each operator, the management server 310 may perform a reformatting operation to suit the operator.

Although it is interposed as sequentially executing each process in FIG. 6, this is merely illustrative, and those skilled in the art change the order described in FIG. 6 within the range that does not depart from the essential characteristics of the embodiment of the present invention. Alternatively, various modifications and variations may be applied by executing one or more processes in parallel or adding other processes.

7 is a diagram illustrating monitoring of a simple payment service device according to an embodiment of the present invention.

The simple payment service device 300 establishes a monitoring system for real-time confirmation of settlement and information in the management server 310 for management and monitoring, and supplies this information to the operator terminal 200 of the affiliated store online.

The simple payment service device 300 records affiliate store information (business type, trade name, address, etc.) and manages one or more of the information by matching the affiliate store information with the payment server 310 information.

The simple payment service device 300 does not collect personal information related to the affiliate store if it is not the status of the payment server 310 .

The monitoring server 330 may check the purchase history, the type of payment pay, the approval result, and the like in real time by clicking on the affiliated store information. In addition, it provides the status information (sales, etc.) that the affiliated store wants to check, and if there is a POS management system that has already been established for the affiliated store, it is possible to check the product inventory quantity, order, etc. in connection with this.

Information that is accumulated in the simple payment service device 300, such as region, sales scale, product quantity, buyer gender, age, etc., without legal problems, can be accumulated and used in various fields through big data analysis. . Here, big data analysis may be performed in the database 340 .

Big data can also provide additional consulting for small businesses through the convergence and analysis of various information such as characteristics of local commercial districts, circulation level by product, frequency of use by payment pay, and payment pay usage rate by industry.

In addition, since target advertisements based on purchaser-based and regional commercial districts are possible through this information, effective advertisements differentiated from advertisements that are broadcast by placing advertisements on the top and bottom of the purchaser terminal 100 or the operator terminal 200 or during the payment waiting time can be performed. This advertisement is registered in the management server 310, reproduced according to the characteristics of each commercial area, and the advertisement requesting company is charged a fee according to the frequency of exposure, so that the advertisement requesting company can also be very effective in cost execution.

According to an embodiment of the present invention, big data can be analyzed by determining the importance of information according to a data provider and assigning different weights to each other. Specifically, when data is provided to a company operating the payment server 400, importance can be placed on the frequency of use for each payment pay, and the frequency of use for each payment pay can be provided by region and by industry by product. In addition, when providing to local governments for each region, importance can be placed on the level of circulation for each product and the classification of products in order to confirm the characteristics of the local commercial district. Therefore, when analyzing big data, the importance of each data provider can be determined and provided, it can be provided based on the request record, and it can be provided by setting the importance of each request.

In addition, when analyzing big data, various information such as characteristics of local commercial districts, circulation level by product, frequency of use by payment pay, and payment pay usage rate by industry can be analyzed by dividing it into large categories. For example, the product may be divided into sweets, vegetables, fruits, meat, etc., and the industry may be divided into a restaurant business, a lodging business, a medical business, a tourism business, and the like.

8 is a block diagram illustrating and describing a computing environment including a computing device suitable for use in embodiments. In the illustrated embodiment, each component may have different functions and capabilities other than those described below, and may include additional components other than those described below.

The illustrated computing environment includes a simple payment service system 10 . In an embodiment, the simple payment service system 10 may be any type of computing device that transmits and receives signals to and from other terminals.

The simple payment service system 10 includes at least one processor 810 , a computer-readable storage medium 820 , and a communication bus 860 . The processor 810 may cause the simple payment service system 10 to operate according to the above-mentioned exemplary embodiment. For example, the processor 810 may execute one or more programs stored in the computer-readable storage medium 820 . The one or more programs may include one or more computer-executable instructions, which, when executed by the processor 810, cause the simple payment service system 10 to perform operations according to an exemplary embodiment. can be configured to

Computer-readable storage medium 820 is configured to store computer-executable instructions or program code, program data, and/or other suitable form of information. The program 830 stored in the computer-readable storage medium 820 includes a set of instructions executable by the processor 810 . In one embodiment, computer-readable storage medium 820 includes memory (volatile memory, such as random access memory, non-volatile memory, or a suitable combination thereof), one or more magnetic disk storage devices, optical disk storage devices, It may be flash memory devices, other types of storage media that are accessed by the simple payment service system 10 and can store desired information, or a suitable combination thereof.

The communication bus 860 interconnects various other components of the simple payment service system 10 including the processor 810 and the computer-readable storage medium 820 .

The simple payment service system 10 may also include one or more input/output interfaces 840 and one or more communication interfaces 850 that provide interfaces for one or more input/output devices (not shown). The input/output interface 840 and the communication interface 850 are connected to the communication bus 860 . The input/output device (not shown) may be connected to other components of the user authentication device 100 through the input/output interface 840 . Exemplary input/output devices include input devices such as pointing devices (such as a mouse or trackpad), keyboards, touch input devices (such as touchpads or touchscreens), voice or sound input devices, various types of sensor devices and/or imaging devices; and/or output devices such as display devices, printers, speakers and/or network cards. An exemplary input/output device (not shown) may be included in the simple payment service system 10 as a component constituting the simple payment service system 10 , and is a separate device distinct from the simple payment service system 10 . may be connected to a computing device.

The operations according to the present embodiments may be implemented in the form of program instructions that can be performed through various computer means and recorded in a computer-readable medium. Computer-readable medium represents any medium that participates in providing instructions to a processor for execution. Computer-readable media may include program instructions, data files, data structures, or a combination thereof. For example, there may be a magnetic medium, an optical recording medium, a memory, and the like. A computer program may be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. Functional programs, codes, and code segments for implementing the present embodiment may be easily inferred by programmers in the art to which this embodiment belongs.

The present embodiments are for explaining the technical idea of the present embodiment, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The protection scope of this embodiment should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be interpreted as being included in the scope of the present embodiment.

10: Easy payment service system
100: buyer terminal
200: operator terminal
300: easy payment service device
400: payment server

Claims (13)

In the simple payment service device comprising a processor and a memory for storing a program executed by the processor,
The processor is
When the buyer makes a payment, the payment information generated by reading the operator's terminal or the buyer's terminal is managed through the management server,
The management server analyzes the payment information and transmits a payment request signal including the payment information and business information to the VAN server in case of payment through a card to the payment server, and in case of payment through payment pay, the payment request signal forwarded to the payment server,
When payment is made to a bank or card company according to payment through the card or payment through the payment pay, and payment is approved or canceled, payment processing information including payment approval or payment cancellation is transmitted from the management server to the operator terminal or a simple payment service device, characterized in that the payment is completed by transferring it to the purchaser terminal. According to claim 1,
The operator terminal,
Recognizing the purchaser terminal, recognizing a payment method according to the purchaser terminal, and driving a reader according to the payment method,
The processor transmits the payment request signal to the VAN server or the payment server when the purchaser terminal requests payment through a reader according to the payment method, and performs payment using the payment request information Easy payment service device. 3. The method of claim 2,
The processor is
When the operator terminal reads the first code generated by the purchaser terminal and the operator terminal is driven by CPM payment to perform payment, select the type of payment pay, photograph the first code through the purchaser terminal, and pay the amount Simple payment service device, characterized in that generating payment request information by input and transmitting it to the payment server, transmitting the result to the purchaser terminal and the management server when payment is approved, and providing an approval completion indication to the purchaser terminal . 3. The method of claim 2,
The processor is
When the purchaser terminal reads the second code generated by the operator terminal and the purchaser terminal is driven by MPM payment to perform payment, the second code presented by the purchaser terminal is scanned and the payment amount is input to generate payment request information transmitted to the management server and the payment server,
When payment is approved based on the payment request information, payment completion information is transmitted to the management server, and an approval completion indication is provided to the operator terminal. According to claim 1,
The operator terminal,
a photographing unit generating code information by photographing the code generated by the purchaser terminal;
a signal processing unit for interpreting the code information and converting it into a digital signal; and
and an interlocking unit for interworking the digital signal with the management server,
The processor manages the payment information generated by the management server receiving the function of recognizing the code information and the code information,
The simple payment service device, characterized in that the payment information is divided into payment information for payment, terminal production information generated by the operator terminal or the purchaser terminal, and purchase information of a purchased product. 6. The method of claim 5,
The processor is
Checking errors and omissions of the payment information, and if there are no errors or omissions, store them in the management server, reformatting information set among the payment information, the production information, and the purchase information and transmitting it to the payment server,
The payment server checks the errors and omissions of the reformatted information, and if there are errors or omissions, the payment server makes a retransmission request to the management server. 7. The method of claim 6,
The processor is
An approval procedure is performed according to the payment information, and when payment is completed, the payment processing information indicating the payment approval is transmitted to the operator terminal or the purchaser terminal, and when payment is canceled, the operator terminal or the purchaser Transmitting the payment processing information indicating cancellation of the payment to a terminal,
The simple payment service device, characterized in that the management server reformats the payment processing information and the payment information into format information according to the operator terminal or the purchaser terminal, and provides the format information. According to claim 1,
The processor is
Provides registration, cancellation, management, and sales management of affiliated stores performing payment to the operator terminal or the purchaser terminal, and further performs monitoring to check information stored in the management server in real time,
Records business information including the business type, trade name, and address of the business operator, and manages by matching with business information recorded in the payment server at least one information of the business type, business name, and address,
The monitoring is a simple payment service device, characterized in that the purchase history, the type of payment payment, payment processing information is checked in real time by the purchaser for each business information, and provided to the business operator terminal. 9. The method of claim 8,
The processor is
Accumulate and analyze the payment information, the business operator information, and the payment processing information,
The business type, trade name, and sales scale by address, product quantity, buyer gender, and buyer age information stored in the management server are accumulated, and the characteristics of the commercial district by address, circulation level by product, and frequency of use by payment pay through big data analysis. , A simple payment service device, characterized in that it is provided to the operator terminal by analyzing the payment pay usage rate by industry. In the simple payment method by the simple payment service device,
managing the payment information generated by the purchaser reading the operator's terminal or the purchaser's terminal through a management server when making a payment;
The management server analyzes the payment information and transmits a payment request signal including the payment information and business information to the VAN server in case of payment through a card, and sends the payment request signal to the payment server in case of payment through payment pay delivering; and
When payment is made to a bank or card company according to payment through the card or payment through the payment pay, and payment is approved or canceled, payment processing information including payment approval or payment cancellation is transmitted from the management server to the operator terminal Or a simple payment method comprising the step of transferring to the purchaser terminal to complete the payment. 11. The method of claim 10,
The step of managing the payment information through the management server,
When the operator terminal recognizes the purchaser terminal, recognizes a payment method according to the purchaser terminal, and drives a reader according to the payment method, when the purchaser terminal requests payment through the reader according to the payment method, the payment request signal is transmitted to the VAN server or the payment server, and payment is performed using the payment request information. 11. The method of claim 10,
The step of transmitting the payment request signal includes:
driving the CPM payment in which the operator terminal reads the first code generated by the purchaser terminal and performs payment; and
The simple payment method comprising the step of driving the MPM payment in which the purchaser terminal reads the second code generated by the operator terminal and performs the payment. 13. The method of claim 12,
The step of being driven by the CPM payment is to select the type of payment pay, photograph the first code through the purchaser terminal, input a payment amount, generate payment request information, and transmit it to the payment server, and the payment is approved When the result is transmitted to the purchaser terminal and the management server, and provides an approval completion indication to the purchaser terminal,
The step of driving the MPM payment is to scan the second code presented by the purchaser terminal and input a payment amount to generate payment request information and transmit it to the management server and the payment server, and based on the payment request information When payment is approved, payment completion information is transmitted to the management server, and an approval completion indication is provided to the operator terminal.

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