KR20220148146A - User equipment, service providing device and POS terminal for card divisible payment considering result achievement, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor - Google Patents

Abstract

The present invention provides user equipment, a service providing device and a POS terminal for card divisible payment considering result achievement, a payment system comprising the same, a control method thereof and a recording medium having a computer program recorded therefor. The present invention provides a divisible payment function in consideration of both benefits and result achievements from one or more credit cards, cash cards, point cards, coupons, and discount coupons registered in the user equipment. A plurality of PIN number inputs for easy payment are performed through one user interface, such that a reasonable payment method can be recommended. User convenience is improved, and user satisfaction can be increased by preventing an increase in an actual payment time or inconvenience.

Description

A user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded for card division payment in consideration of achievement of performance TECHNICAL FIELD [0002] considering result achievement, payment system comprising the same, control method thereof and computer readable medium having computer program recorded therefor}

The present invention relates to a user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof, and a computer program recorded thereon for card division payment in consideration of achievement of performance. A user device, a service providing device, a POS terminal, a payment system including the same, a control method thereof and It relates to a recording medium on which a computer program is recorded.

When payment is made through one of a plurality of credit cards registered in the user device, a credit card with many benefits among the plurality of credit cards is selected and presented to the user, and the user selects one of them and proceeds with the payment do.

In this card payment method, when a predetermined performance needs to be filled in order to obtain a specific discount benefit for each of a plurality of credit cards registered in the user device, only credit cards with many benefits are recommended, so that the predetermined performance for each of the plurality of credit cards is not satisfied. There are cases where it cannot

Korean Patent Registration No. 10-0861390 [Title: Artificial intelligence payment system for optimal card recommendation]

SUMMARY OF THE INVENTION An object of the present invention is to provide a user device, a service providing device, and a POS terminal for card division payment in consideration of achievement of benefits and performance in consideration of one or more credit cards, cash cards, point cards, coupons, discount coupons, etc. registered in the user device. , to provide a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded.

Another object of the present invention is to provide a user device, a service providing device, An object of the present invention is to provide a POS terminal, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded.

Another object of the present invention is to provide a user device and service for card installment payment in consideration of achievement of a plurality of PIN numbers input at once through a preset connection character when entering a plurality of PIN numbers for simple payment An object is to provide an apparatus, a POS terminal, a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded.

A payment system according to an embodiment of the present invention includes a POS terminal for scanning one or more products to be paid, and transmitting the total payment amount and benefit information for the scanned one or more products to be paid; Based on the preset payment schedule information for regular expenses, the amount required for each card for a plurality of pre-registered cards, the preset payment priority information for each card, the total payment amount and benefit information transmitted from the POS terminal selects one or more cards from among a plurality of cards registered in advance as a user device for transmitting payment amount information and identification information of the user device to a payment server through a POS terminal; a service providing device for transmitting card information, user information, and benefit information to the payment server in response to one or more types of payment cards transmitted from the payment server; and payment that performs a payment function for the payment amount corresponding to one or more product information to be paid transmitted from the POS terminal based on card information, user information, benefit information, PIN number for each type of one or more payment cards, and payment amount information for each card It may include a server.

As an example related to the present invention, the payment schedule information may include expenses that are regularly spent, a payment card type, and a payment date.

As an example related to the present invention, when a plurality of cards are selected for partial payment of the total payment amount, the user device receives respective PIN numbers for each of the plurality of selected cards or distinguishes them by a preset connection character. It is possible to receive a plurality of PIN numbers in the form of one character string.

As an example related to the present invention, when a plurality of cards are selected for a partial payment for the total payment scheduled amount, the payment server performs a partial payment function for each card based on payment amount information for each card set for each of the selected plurality of cards. can be performed.

The payment system according to an embodiment of the present invention provides a payment schedule information for a cost that is set in advance, a performance request amount by card for a plurality of pre-registered cards, preset payment priority information for each card, and a service providing device. Selects one or more cards from a plurality of pre-registered cards based on the total amount of payment and benefit information transmitted, receives one or more PIN numbers according to user input, and selects one or more types of payment cards and one or more payment cards a user device for transmitting a PIN number for each type, payment amount information for each card, and identification information of the user device to a service providing device; Scans one or more products to be paid, provides total payment amount and benefit information for the scanned one or more products to pay, and card information, user information and benefit information corresponding to one or more payment card types transmitted from the user device provides a service to confirm and transmit one or more product information to be paid, one or more payment card types, PIN numbers for one or more payment card types, payment amount information for each card, user device identification information, card information, user information, and benefit information Device; and a payment server that performs a payment function for a payment amount corresponding to one or more product information to be paid based on card information, user information, benefit information, PIN number for each type of one or more payment cards, and payment amount information for each card. have.

A method of controlling a payment system according to an exemplary embodiment of the present invention includes: receiving, through a user device, payment schedule information including preset regular expenses, a payment card type, and a payment date; Receiving, through the user device, performance request amount for each card and payment priority information for each card for a plurality of cards registered in advance; Scanning one or more products to be paid through the POS terminal, and transmitting the total payment amount and benefit information for the scanned one or more products to be paid; selecting, through the user device, one or more cards from among a plurality of pre-registered cards based on the total payment amount, benefit information, payment schedule information, performance request amount for each card, and payment priority information for each card; receiving, through the user device, one or more PIN numbers according to a user input; and transmitting the selected one or more payment card types, PIN numbers for each one or more payment card types, payment amount information for each card, and identification information of the user device through the user device to the POS terminal.

As an example related to the present invention, the step of receiving one or more PIN numbers may include, when a plurality of cards are selected for a partial payment for the total payment amount, a plurality of PIN numbers distinguished by a preset connection character are converted into one It can be received in the form of a string.

As an example related to the present invention, through the POS terminal, one or more product information to be paid, one or more payment card types, one or more payment card types, PIN numbers, payment amount information for each card, identification information of a user device, and identification information of a POS terminal transmitting to the payment server; Transmitting, through the payment server, one or more types of payment cards and identification information of the user device transmitted from the POS terminal; transmitting, through the service providing device, card information, user information, and benefit information to a payment server in response to one or more types of payment cards; performing, through a payment server, a payment function for a payment amount corresponding to one or more product information to be paid based on card information, user information, benefit information, PIN numbers for each type of one or more payment cards, and payment amount information for each card; providing, through a payment server, a result of performing a payment function to a user device via a POS terminal; and displaying, through the user device, a result of performing a payment function.

As an example related to the present invention, the step of performing a payment function for a payment amount corresponding to one or more product information to be paid is performed through a payment server when a plurality of cards are selected for partial payment for the total payment scheduled amount. , a partial payment function for each card may be performed based on payment amount information for each card set for each of the plurality of selected cards.

A computer program for performing the method according to the above-described embodiment may be stored in a recording medium in which a computer program according to an embodiment of the present invention is recorded.

According to the present invention, it is possible to recommend a reasonable payment method by considering both benefits and achievements in one or more credit cards, cash cards, point cards, coupons, discount coupons, etc. registered in the user device, and has the effect of improving user convenience have.

In addition, the present invention improves user satisfaction by not adding to the actual perceived payment time or inconvenience by inputting a plurality of PIN numbers for simple payment processing through a single user interface when paying by card for the payment amount. has the effect of increasing it.

In addition, the present invention is configured to input a plurality of PIN numbers at once through a preset connection character when inputting a plurality of PIN numbers for simple payment, thereby improving the overall system operation efficiency for simple payment and user convenience has the effect of improving

1 is a block diagram showing the configuration of a payment system according to an embodiment of the present invention.
2 is It is a block diagram showing the configuration of a user device according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a payment system according to another embodiment of the present invention.
4 and 5 are It is a flowchart illustrating a control method of a payment system for card division payment in consideration of achievement of performance according to the first embodiment of the present invention.
6 to 8 are diagrams illustrating screens of a user device according to an embodiment of the present invention.
9 and 10 are It is a flowchart illustrating a control method of a payment system for card division payment in consideration of achievement of performance according to a second embodiment of the present invention.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be interpreted as meanings generally understood by those of ordinary skill in the art to which the present invention belongs, unless otherwise defined in the present invention, and excessively comprehensive It should not be construed as a human meaning or in an excessively reduced meaning. In addition, when the technical term used in the present invention is an incorrect technical term that does not accurately express the spirit of the present invention, it should be understood by being replaced with a technical term that can be correctly understood by those skilled in the art. In addition, general terms used in the present invention should be interpreted as defined in advance or according to the context before and after, and should not be interpreted in an excessively reduced meaning.

Also, the singular expression used in the present invention includes the plural expression unless the context clearly dictates otherwise. In the present invention, terms such as "consisting of" or "comprising" should not be construed as necessarily including all of the various components or various steps described in the invention, and some components or some steps may not be included. It should be construed that it may further include additional components or steps.

Also, terms including ordinal numbers such as first, second, etc. used in the present invention may be used to describe the components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are given the same reference numerals regardless of the reference numerals, and the redundant description thereof will be omitted.

In addition, in the description of the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, it should be noted that the accompanying drawings are only for easy understanding of the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

1 is a block diagram showing the configuration of a payment system 10 according to an embodiment of the present invention.

As shown in FIG. 1 , the payment system 10 includes a user device 100 , a beacon 200 , a service providing device 300 , a POS terminal 400 , and a payment server 500 . Not all components of the payment system 10 shown in FIG. 1 are essential components, and the payment system 10 may be implemented by more components than those shown in FIG. 1 , and fewer components. The payment system 10 may also be implemented by

The user device 100 includes a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, and telematics. Terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook, wearable device, for example, watch type Terminal (Smartwatch), Glass-type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminal, IPTV (Internet Protocol Television) terminal, Smart TV, Digital broadcasting terminal, Television, 3D It can be applied to various terminals such as a television, a home theater system, an AVN (Audio Video Navigation) terminal, an A/V (Audio/Video) system, a flexible terminal, and the like.

As shown in FIG. 2 , the user device 100 includes a user device communication unit 110 , a user device storage unit 120 , a user device display unit 130 , a user device voice output unit 140 , and a user device control unit 150 . ) is composed of Not all components of the user device 100 shown in FIG. 2 are essential components, and the user device 100 may be implemented by more components than those shown in FIG. 2 , and fewer components. The user device 100 may also be implemented by

The user device communication unit 110 communicates with any internal component or at least one external terminal through a wired/wireless communication network. In this case, any external terminal may include the beacon 200 , the service providing device 300 , the POS terminal 400 , the payment server 500 , and the like. Here, as wireless Internet technologies, wireless LAN (WLAN), DLNA (Digital Living Network Alliance), WiBro (Wireless Broadband: Wibro), Wimax (World Interoperability for Microwave Access: Wimax), HSDPA (High Speed Downlink Packet Access) ), High Speed Uplink Packet Access (HSUPA), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS), etc. In this case, the user device communication unit 110 transmits and receives data according to at least one wireless Internet technology within a range including Internet technologies not listed above. In addition, short-range communication technologies include Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and Near Field Communication (NFC). , Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi (Wi-Fi), Wi-Fi Direct (Wi-Fi Direct), etc. may be included. In addition, the wired communication technology may include power line communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cable, and the like.

Also, the user device communication unit 110 may mutually transmit information with an arbitrary terminal through a Universal Serial Bus (USB).

In addition, the user device communication unit 110 is a communication method or technical standards for mobile communication (eg, GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000), Enhanced Voice-Data Optimized or Enhanced Voice-Data Only (EV-DO), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE- A (Long Term Evolution-Advanced), etc.) transmits and receives wireless signals to and from the base station, the beacon 200, the service providing apparatus 300, the POS terminal 400, the payment server 500, and the like on a mobile communication network constructed according to the same.

In addition, the user device communication unit 110, under the control of the user device control unit 150, the identification information of the beacon 200 transmitted from the beacon 200 (or the unique identification information of the store in which the beacon 200 is provided) ) is received.

The user device storage unit 120 stores various user interfaces (UIs), graphic user interfaces (GUIs), and the like.

In addition, the user device storage unit 120 stores data and programs necessary for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (or applications) driven in the user device 100 , data for operation of the user device 100 , and commands. At least some of these application programs may be downloaded from an external service providing device through wireless communication. Also, at least some of these application programs may exist on the user device 100 from the time of shipment for basic functions (eg, incoming calls, outgoing functions, message reception, and outgoing functions) of the user device 100 . Meanwhile, the application program may be stored in the user device storage unit 120 , installed in the user device 100 , and driven to perform an operation (or function) of the user device 100 by the user device controller 150 . have.

In addition, the user device storage unit 120 is a flash memory type (Flash Memory Type), a hard disk type (Hard Disk Type), a multimedia card micro type (Multimedia Card Micro Type), a card type memory (eg, SD or XD memory, etc.), magnetic memory, magnetic disk, optical disk, RAM (Random Access Memory: RAM), SRAM (Static Random Access Memory), ROM (Read-Only Memory: ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory) , and may include at least one storage medium of Programmable Read-Only Memory (PROM). In addition, the user device 100 may operate a web storage that performs a storage function of the user device storage unit 120 on the Internet, or may operate in connection with the web storage.

In addition, the user device storage unit 120 is the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device control unit 150 (or the store in which the beacon 200 is provided). unique identification information).

The user device display unit 130 may display various contents such as various menu screens using a user interface and/or a graphic user interface stored in the user device storage unit 120 under the control of the user device control unit 150 . Here, the content displayed on the user device display unit 130 includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes. Also, the user device display unit 130 may be a touch screen.

In addition, the user device display unit 130 includes a liquid crystal display (LCD), a thin film transistor liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible It may include at least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED).

Also, the user device display unit 130 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

A three-dimensional display method such as a stereoscopic method (glasses method), an auto stereoscopic method (glasses-free method), or a projection method (holographic method) may be applied to the stereoscopic display unit.

In addition, the user device display unit 130 is the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device control unit 150 (or unique to the store in which the beacon 200 is provided). identification information).

The user equipment audio output unit 140 outputs audio information included in the signal processed by the user equipment control unit 150 . Here, the user device voice output unit 140 may include a receiver, a speaker, a buzzer, and the like.

Also, the user equipment voice output unit 140 outputs a guide voice generated by the user equipment control unit 150 .

In addition, the user equipment voice output unit 140 is the identification information of the corresponding beacon 200 received through the communication unit 110 under the control of the user equipment control unit 150 (or unique to the store in which the beacon 200 is provided). Identification information) corresponding to the audio information is output.

The user device control unit 150 executes an overall control function of the user device 100 .

In addition, the user device control unit 150 executes the overall control function of the user device 100 using the program and data stored in the user device storage unit 120 . The user device control unit 150 may include RAM, ROM, CPU, GPU, and a bus, and the RAM, ROM, CPU, GPU, etc. may be connected to each other through a bus. The CPU may access the user device storage unit 120 to perform booting using the O/S stored in the user device storage unit 120 , and various programs, contents, and data stored in the user device storage unit 120 . Various operations can be performed using the .

In addition, the user device control unit 150 performs a membership registration procedure for the user of the user device 100 by interworking with the service providing device 300 .

In addition, when performing the membership registration procedure, the user device control unit 150 must complete the authentication function through the self-authentication means (eg, mobile phone, credit card, i-PIN, e-mail, etc.) to complete the member for the service providing device (300) You can complete the registration process normally.

In addition, when a user carrying the user device 100 enters a store, the user device control unit 150 transmits the identification information of the beacon 200 (or the beacon 200 provided) from the beacon 200 . The user device communication unit 110 is controlled to receive the store's unique identification information).

In addition, the user device control unit 150 transmits the received unique identification information of the beacon 200 (or unique identification information of a store in which the beacon 200 is provided), identification information of the user device 100, and the like to the user device communication unit ( 110) through the service providing device 300. Here, the identification information of the user device 100 includes a mobile directory number (MDN), mobile IP, mobile MAC, subscriber identity module (Sim) card unique information, serial number, and the like.

In addition, when the user of the user device control unit 150 is not a member registered in advance with the service providing device 300 , the user device control unit 150 provides information related to membership registration provided from the service providing device 300 . Based on this, a membership registration procedure for the corresponding user device 100 (or the user of the corresponding user device 100) is performed.

In addition, when the user of the user device control unit 150 is a member registered in advance in the corresponding service providing device 300 , the user device control unit 150 transmits unique identification information of the transmitted beacon 200 (or the corresponding beacon 200 ). The user device communication unit 110 transmits one or more advertisement information, one or more benefit information, recommended card list, etc. transmitted from the service providing device 300 in response to the provided store's unique identification information), identification information of the user device 100, and the like. ) is received through Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like. In addition, the recommended card list includes one or more cards to which the corresponding benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the user device 100 .

In addition, the user device control unit 150 outputs one or more received advertisement information, benefit information, recommendation card list, etc. through the user device display unit 130 and/or the user device voice output unit 140 .

In addition, the user device control unit 150 checks one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) in a specific app pre-installed on the user device 100 . do.

Also, the user device controller 150 may check a payment card selected from the list of recommended cards transmitted from the service providing device 300 .

In addition, the user device control unit 150 is one or more cards to which the corresponding benefit information can be applied from among a plurality of payment cards previously registered in the corresponding user device 100 based on one or more benefit information provided from the service providing device 300 . A corresponding recommendation card list including In addition, one payment card selected from the list of recommended cards displayed on the display unit 130 of the user device may be checked.

Also, the user device control unit 150 receives a personal identification number (PIN) according to a user input through a specific app pre-installed in the corresponding user device 100 . Here, the PIN number may be a PIN number corresponding to the confirmed payment card type.

In addition, the user device control unit 150 transmits the checked payment card type (or unique identification information of the payment card), a PIN number, identification information of the user device 100, and the like to the service providing device 300 through the user device communication unit 110 . ) is sent to

Also, the user equipment control unit 150 receives the token transmitted from the service providing apparatus 300 through the user equipment communication unit 110 in response to the previously transmitted PIN number.

In addition, the user device control unit 150 generates a barcode (or a QR code (Quick Response code)) including the received token (or token information) and identification information of the user device 100 .

In addition, the user device control unit 150 stores the generated barcode (or QR code) in the user device storage unit 120 .

In addition, when a payment method is selected in a preset manner through a specific app installed in advance in the user device 100 , the user device control unit 150 controls barcode information (or QR code) corresponding to the previously generated barcode (or QR code). information) to the POS terminal 400 through the user device communication unit 110 . Here, the barcode information corresponding to the barcode (or QR code information corresponding to the QR code) includes a token (or token information), identification information of the user device 100 , and the like. In this case, the payment method includes cash payment, card payment, electronic payment, and the like, and the preset method may be electronic payment.

As such, when the user device 100 and the POS terminal 400 are connected through a wired/wireless communication method, barcode information (or QR code information) may be transmitted from the user device 100 to the POS terminal 400 .

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired/wireless communication method, the user of the user device 100 is preset through a specific app installed in the user device 100 in advance. When a payment method is selected, the barcode (or QR code) displayed on the user device display unit 130 may be recognized (or scanned/tagged) by the POS terminal 400 .

In addition, after the payment function is performed for one or more products to be paid for by the user of the corresponding user device 100 based on the previously transmitted barcode information (or QR code information), the user device control unit 150 controls the previously transmitted A payment function execution result transmitted from the POS terminal 400 (or the service providing device 300 ) in response to the barcode information (or QR code information) is received through the user device communication unit 110 .

In addition, the user device control unit 150 outputs the received payment function execution result through the user device display unit 130 and/or the user device voice output unit 140 .

In addition, the user device 100 may further include an interface unit (not shown) serving as an interface with all external devices connected to the corresponding user device 100 . For example, the interface unit includes a wired/wireless headset port, an external charger port, a wired/wireless data port, a memory card port, a port for connecting a device equipped with an identification module, an audio I/O ( Input/Output) port, video I/O (Input/Output) port, earphone port, etc. may be configured. Here, the identification module is a chip storing various information for authenticating the user device 100 , and includes a User Identity Module (UIM), a Subscriber Identity Module (SIM), and a universal user authentication. It may include a module (Universal Subscriber Identity Module: USIM) and the like. In addition, the device provided with the identification module may be manufactured in the form of a smart card. Accordingly, the identification module may be connected to the user device 100 through the port. Such an interface unit receives data or power from an external device and transmits it to each component inside the user device 100 , or allows data inside the user device 100 to be transmitted to an external device.

In addition, when the user device 100 is connected to an external cradle, the interface unit becomes a passage through which power from the cradle is supplied to the corresponding user device 100 or various command signals input from the cradle by the user to the corresponding user device. It may be a passage that is delivered to (100). Various command signals or corresponding power input from the cradle may be operated as signals for recognizing that the user device 100 is correctly mounted on the cradle.

In addition, the user device 100 includes an input unit ( not shown) may be further included.

The input unit is a means for receiving at least one of a user's command, selection, data, and information, and may include a plurality of input keys and function keys for receiving numeric or character information and setting various functions.

In addition, the input unit includes a key pad, a dome switch, a touch pad (static pressure/capacitance), a touch screen, a jog wheel, a jog switch, a jog shuttle, and a mouse. , various devices such as a stylus pen, a touch pen, and the like may be used. In particular, when the user device display unit 130 is formed in the form of a touch screen, some or all of the input functions may be performed through the user device display unit 130 .

Also, each component (or module) of the user device 100 may be software stored in the memory (or the user device storage unit 120 ) of the user device 100 . The memory may be an internal memory of the user device 100 , an external memory, or another type of storage device. Also, the memory may be a non-volatile memory. The software stored on the memory may include a set of instructions that, when executed, cause the user device 100 to perform a specific operation.

The beacon 200 communicates with the user device 100 , the POS terminal 400 , and the like.

Also, the beacon 200 receives store information related to a store equipped with the beacon 200 , and unique identification information of a store equipped with the beacon 200 , transmitted from the POS terminal 400 .

In addition, the beacon 200 broadcasts (or transmits) store information, identification information of the corresponding beacon 200 (or unique identification information of a store in which the beacon 200 is provided), and the like.

The service providing device 300 communicates with the user device 100 , the POS terminal 400 , the payment server 500 , and the like.

In addition, the service providing device 300 includes a user device communication unit 110 , a user device storage unit 120 , a user device display unit 130 , a user device voice output unit 140 , and a user device included in the user device 100 . The controller 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown) respectively corresponding to the control unit 150 .

In addition, the service providing device 300 performs a membership registration procedure for a user of the corresponding user device 100 by interworking with the user device 100 .

Also, the service providing apparatus 300 receives unique identification information of the beacon 200 and identification information of the user apparatus 100 transmitted from the user apparatus 100 .

In addition, the service providing device 300 is a member registered (or subscribed to) in advance by the user corresponding to the corresponding user device 100 in the corresponding service providing device 300 based on the received identification information of the corresponding user device 100 . Determine (or confirm) whether or not it is recognized.

As a result of the determination (or confirmation result), if the user corresponding to the user device 100 is not a member registered in advance with the service providing device 300 , the service providing device 300 transmits information related to member registration to the user device (100).

Also, the service providing device 300 performs a membership registration procedure for the corresponding user device 100 (or the user of the corresponding user device 100 ) by interworking with the user device 100 .

In addition, as a result of the determination (or confirmation result), when the user corresponding to the user device 100 is a member registered in advance with the service providing device 300 , the service providing device 300 is the previously received beacon 200 . One or more advertisements that can be provided to the user device 100 in a store equipped with a corresponding beacon 200 among a plurality of advertisement information and a plurality of benefit information stored in advance based on the unique identification information of the user device 100 and the identification information of the user device 100 information, one or more benefit information, etc.

In addition, the service providing device 300 recommends one or more recommendation cards to which the corresponding benefit information can be applied (or reflected) from among a plurality of cards issued to the corresponding user device 100 based on the confirmed one or more benefit information. Create a card list. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing device 300 is a recommended card list including one or more advertisement information, one or more benefit information, and one or more recommendation cards that can be provided to the corresponding user device 100 in a store equipped with the identified beacon 200 . and so on to the user device 100 .

That is, when the user corresponding to the corresponding user device 100 is a member registered in advance with the corresponding service providing device 300, the service providing device 300 stores the corresponding beacon ( 200) check the store information corresponding to the unique identification information. In addition, the service providing device 300 checks one or more advertisement information, benefit information, etc. that can be provided to the user device 100 in the corresponding store based on the confirmed store information and the received identification information of the user device 100 . . In addition, the service providing device 300 generates a recommended card list including one or more cards to which the corresponding benefit information can be applied from among a plurality of cards (or one or more cards) issued in advance to the corresponding user device 100 . Also, the service providing device 300 transmits one or more pieces of verified advertisement information, one or more benefit information, and a generated recommendation card list to the user device 100 .

Also, the service providing device 300 receives the payment card type, PIN number, and identification information of the user device 100 transmitted from the user device 100 .

In addition, the service providing device 300 generates a token (or a one-time token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, which is randomly generated in response to a PIN number, and may be in a state in which the number of uses or a period of use is set in advance. In this case, the service providing apparatus 300 may generate a token corresponding to the received PIN number and payment card type.

In addition, the service providing device 300 manages (or stores) the generated token in association with the payment card type, PIN number, identification information of the user device 100, and the like.

Also, the service providing device 300 transmits the generated token (or a token corresponding to a PIN number, a token corresponding to a PIN number, and a payment card type) to the user device 100 .

In addition, the service providing device 300 performs an authentication function for the user before performing the payment function for the product in relation to one or more products to be paid selected by the user of the user device 100, the payment server 500 ) to receive the barcode information (or QR code information) transmitted from it.

In addition, the service providing device 300 checks whether the token in the barcode information (or QR code information) is valid based on the identification information of the token and the user device 100 in the received barcode information (or QR code information) do.

That is, the service providing device 300 includes a plurality of previously stored (or pre-issued) identification information of the user device for each token, the token in the received barcode information (or QR code information), and the identification information of the user device 100 . Check whether the corresponding token and identification information of the user device is included (or is present).

In this way, the service providing apparatus 300 may verify the validity of the issued token.

As a result of the check, in the identification information of the user device for each of the plurality of tokens stored in advance in the service providing device 300 , the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 and the user When the identification information of the device is not included, that is, when the token in the received barcode information (or QR code information) is invalid, the service providing device 300 transmits authentication failure information to the payment server 500 .

In addition, as a result of the check, in the identification information of the user device for each of the plurality of tokens stored in advance in the service providing device 300 , a token in the received barcode information (or QR code information) and a token corresponding to the identification information of the user device 100 . And when the identification information of the user device is included, that is, when the token in the received barcode information (or QR code information) is valid, the service providing device 300 is the user device in the received barcode information (or QR code information) ( 100) transmits card information, user information, benefit information, etc. corresponding to the identification information to the payment server 500 . At this time, the service providing device 300 is a payment card type related to a valid token (or a PIN managed in conjunction with a corresponding payment card type/token identified based on a token generated in response to a PIN number and a payment card type previously) Card information, user information, benefit information, etc. corresponding to the number, payment card type, and corresponding payment card type confirmed based on identification information of the user device) may be transmitted to the payment server 500 . Here, the card information includes a card number, an expiration date, a card verification code (CVC) number, a user name, and the like. In addition, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, as a result of the check, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 corresponds to the identification information of the user device 100 in the received barcode information (or QR code information) check card information, user information, benefit information, etc. stored in advance in the service providing device 300 in relation to the user (or the corresponding user device 100), and pay the checked card information, user information, benefit information, etc. It is transmitted to the server 500 . At this time, the service providing device 300 checks card information, user information, benefit information, etc. corresponding to the payment card type previously transmitted from the user device 100, and pays the checked card information, user information, benefit information, etc. It may be transmitted to the server 500 .

In addition, the service providing apparatus 300 receives the payment function execution result (or payment information) transmitted from the payment server 500 .

Also, the service providing device 300 stores the received payment function execution result in association with the identification information of the corresponding user device 100 .

Also, the service providing device 300 may transmit the received payment function execution result to the user device 100 corresponding to the identification information of the corresponding user device 100 .

In addition, the service providing apparatus 300 may be implemented in the form of a web server, a database server, a proxy server, and the like. In addition, one or more of a network load balancing mechanism, or various software enabling the service providing device 300 to operate on the Internet or other networks may be installed in the service providing device 300, and through this, a computerized system can be implemented. Also, the network may be an http network, and may be a private line, an intranet, or any other network. Furthermore, the connection between the service providing device 300 and the user device 100 may be connected to a secure network so that data is not attacked by any hacker or other third party. In addition, the service providing apparatus 300 may include a plurality of database servers, and these database servers are implemented in such a way that they are separately connected to the service providing apparatus 300 through any type of network connection including a distributed database server architecture. can be

In addition, the processor mounted on the user device 100 or the service providing device 300 according to the present invention may process a program command for executing the method according to the present invention. In one implementation, the processor may be a single-threaded processor, and in another implementation, the processor may be a multi-threaded processor. Furthermore, the present processor is capable of processing instructions stored in a memory or storage device.

The Point of Sales (POS) terminal 400 communicates with the user device 100 , the beacon 200 , the service providing device 300 , the payment server 500 , and the like.

In addition, the POS terminal 400 includes the user device communication unit 110 , the user device storage unit 120 , the user device display unit 130 , the user device voice output unit 140 , and the user device control unit included in the user device 100 . Each of 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown) corresponding to 150 .

In addition, the POS terminal 400 transmits, to the beacon 200 , store information related to a store equipped with the corresponding beacon 200 (or the corresponding POS terminal), unique identification information of a store equipped with the corresponding beacon 200 , and the like. .

In addition, the POS terminal 400 scans (or recognizes a barcode attached to the corresponding payment product) for one or more products to be paid for (or payment products) selected by the user of the user device 100 . .

In addition, the POS terminal 400 displays product information for one or more scanned (or recognized) products to be paid. Here, the product information includes a product name, product unique code, unit price, quantity, amount, total total amount, and the like.

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired/wireless communication method, the user of the user device 100 is preset through a specific app installed in the user device 100 in advance. When a payment method is selected, the POS terminal 400 recognizes (or scans/tags) a barcode (or QR code) displayed on the corresponding user device 100 .

In addition, the POS terminal 400 receives barcode information (or QR code information) transmitted from the user device 100 .

In addition, when the POS terminal 400 recognizes the barcode (or QR code) displayed on the user device 100 , the POS terminal 400 checks the recognized barcode information (or QR code information)

In addition, the POS terminal 400 displays or stores the received (or confirmed) barcode information (or QR code information).

In addition, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), barcode information (or QR code information), identification information of the POS terminal 400, and the like to the payment server 500 . do.

In addition, the POS terminal 400 receives authentication failure information transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500 .

In addition, the POS terminal 400 displays the received authentication failure information.

Also, the POS terminal 400 may transmit the received authentication failure information to the user device 100 .

In addition, immediately before performing a payment function for one or more products selected by the user of the user device 100 based on the barcode information (or QR code information) transmitted to the payment server 500 , the POS terminal 400 pays Receives user information transmitted from the server 500 . Here, the user information includes a user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the corresponding user device 100 .

In addition, the POS terminal 400 displays the received user information.

In addition, after the user of the POS terminal 400 identifies the image in the user information displayed on the POS terminal 400 and the user of the user device 100 who wants to pay for the product, the image in the user information and the corresponding user device ( When the users of 100) match, the POS terminal 400 receives information indicating the user match according to the user input of the POS terminal 400 .

In addition, the POS terminal 400 transmits the received user matching information and identification information of the POS terminal 400 to the payment server 500 .

In addition, when the payment function for one or more products selected by the user of the corresponding user device 100 is normally performed based on the barcode information (or QR code information) transmitted to the payment server 500, the POS terminal 400 receives the result of performing the payment function (or payment information) transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500. Here, the result of performing the payment function (or payment information) ) includes product name, product unique code, unit price, quantity, discount amount, coupon application status, amount, total total amount, payment date and time information, payment card type, and the like.

In addition, the POS terminal 400 transmits the received payment function execution result to the user device 100 .

In addition, the POS terminal 400 may output the received payment function execution result through a printout such as a receipt.

The payment server 500 communicates with the user device 100 , the service providing device 300 , the POS terminal 400 , and the like.

In addition, the payment server 500 includes the user device communication unit 110 , the user device storage unit 120 , the user device display unit 130 , the user device voice output unit 140 , and the user device control unit included in the user device 100 . Each of 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown) corresponding to 150 .

In addition, the payment server 500 transmits one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400, etc. receive

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing device 300 in order to perform an authentication procedure related to the corresponding user device 100 .

In addition, if the token in the barcode information (or QR code information) transmitted to the service providing device 300 is not valid, the payment server 500 transmits the barcode information (or QR code information) to the service providing device 300 . Receives authentication failure information transmitted from the service providing device 300 in response.

Also, the payment server 500 transmits the received authentication failure information to the POS terminal 400 .

In addition, when the token in the barcode information (or QR code information) transmitted to the service providing device 300 is valid, the payment server 500 responds to the barcode information (or QR code information) transmitted to the service providing device 300 . card information, user information, and benefit information (or card information corresponding to the identification information of the user device 100 in the corresponding barcode information (or QR code information), user information, benefit information) transmitted from the service providing device 300 receive etc.

In addition, the payment server 500 performs a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, and benefit information. In this case, the payment server 500 provides a benefit corresponding to the price information of one or more products to be paid, the benefit information transmitted from the service providing device 300 (or the benefit information applicable to the user of the corresponding user device 100 ). A payment function may be performed on the payment amount to which the amount is applied.

In this case, immediately before performing the payment function, the payment server 500 transmits user information transmitted from the service providing device 300 to the POS terminal 400 .

In addition, if the image in the user information and the user of the user device 100 who wants to pay for the product do not match, the payment server 500 transmits payment cancellation information for the corresponding one or more product information to the POS terminal 400 . Alternatively, the payment function may be performed after performing an additional authentication procedure for the corresponding user device 100 .

In addition, when the image in the user information matches the user of the user device 100 who wants to pay for the product, the payment server 500 responds to the user information transmitted to the POS terminal 400 from the POS terminal 400 . Receives transmitted information indicating the user match, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 may perform a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, benefit information, and information indicating user matching.

In addition, the payment server 500 transmits a result of performing a payment function (or payment information) to the POS terminal 400 , the service providing device 300 , and the like. Here, the result of performing the payment function (or payment information) includes a product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and the like.

3 is a block diagram showing the configuration of the payment system 10 according to another embodiment of the present invention.

As shown in FIG. 3 , the payment system 10 includes a user device 100 , a service providing device 300 , a POS terminal 400 , and a payment server 500 . Not all of the components of the payment system 10 shown in FIG. 3 are essential components, and the payment system 10 may be implemented by more components than those shown in FIG. 3 , and fewer components. The payment system 10 may also be implemented by

The user device 100 receives payment schedule information for monthly expenses, payment card types, and payment dates. Also, the user device 100 checks the monthly performance request amount (or the performance request amount for each card) among a plurality of cards registered or issued in advance in the corresponding using device 100 . Also, the user device 100 sets payment priority information for each card. Thereafter, the user device 100 transmits from the POS terminal 400 or the service providing device 300 the total amount of payment planned for one or more products to be paid for by the user of the corresponding user device 100 , benefit information, and each card. One or more cards are selected from among a plurality of pre-registered cards based on the required amount of performance, payment priority information for each card, and the like. Thereafter, the user device 100 receives a PIN number according to a user input through a pre-installed specific app. In this case, when performing a divided payment through a plurality of payment cards, the user device 100 provides a user interface screen for receiving a PIN number for each of the plurality of payment cards, or provides a user interface screen for the plurality of cards through a preset connection text. A user interface screen for receiving a plurality of PIN numbers is provided. Thereafter, the user device 100 provides a payment card type (a plurality of payment card types) for the selected card, a PIN number, payment amount information for each card corresponding to the payment card type, identification information of the user device 100, etc. It is transmitted to the terminal 400 or the service providing apparatus 300 . Thereafter, the POS terminal 400 or the service providing device 300 transmits the corresponding information to the payment server 500 . Thereafter, the payment server 500 transmits payment card types, user information, benefit information, payment card types (a plurality of payment card types), PIN numbers, and payment card types transmitted from the service providing device 300 to each card corresponding to the payment card type. Based on the amount information and the like, a payment function is performed for the payment amount corresponding to the one or more product information to be paid. In this case, when performing a divided payment through a plurality of payment cards, the payment server 500 may perform a divided payment function through a plurality of cards. Thereafter, the payment server 500 provides the result of performing the payment function to the user device 100 through the POS terminal 400 or the service providing device 300 .

The user device 100 includes a user device communication unit 110 , a user device storage unit 120 , a user device display unit 130 , a user device voice output unit 140 , and a user device 100 illustrated in FIG. 2 . It is composed of a control unit 150 .

The user device control unit 150 is configured to perform a preset period according to a user input of the corresponding user device 100 through a preset specific app (for example, an electronic wallet app) displayed on the user device display unit 130 (for example, every month). ) Receives (or receives input) payment schedule information on regularly spent expenses, payment card types, and payment dates. Here, the expenses that are regularly paid for each preset period include management fees, communication fees, academy fees, parking fees, and the like.

Also, the user device control unit 150 stores the received payment schedule information in the user device storage unit 120 .

Also, the user device control unit 150 checks the monthly performance request amount (or the performance request amount for each card) among a plurality of cards registered (or issued) in advance in the user device 100 . In this case, the user device control unit 150 may also check (or set) payment priority information for each card.

That is, the user device controller 150 determines the performance request amount for the card to which the performance request amount is set from among the plurality of cards registered in advance in the user device 100 , the plurality of cards registered in advance in the user device 100 . Generates a performance request amount confirmation request signal for the card of

In addition, the user device control unit 150 transmits the generated performance request amount confirmation request signal to the service providing device 300 or the payment server 500 through the user device communication unit 110 .

In addition, the user device control unit 150 receives the performance request amount for each card issued to the corresponding user device 100 transmitted from the service providing device 300 or the payment server 500 in response to the transmitted performance request amount confirmation request signal. It is received through the user device communication unit 110 .

Also, the user device control unit 150 sets payment priority information for each card for one or more target cards that require performance for each card.

In addition, the user device control unit 150 stores the received performance request amount for each card, set payment priority information for each card, and the like, in the user device storage unit 120 .

In addition, the user device control unit 150 may control the total payment amount (or the total payment amount) transmitted from the POS terminal 400 for one or more products to be paid (or payment products) selected by the user of the user device 100 visiting the offline store. information on the payment amount), benefit information, and the like, are received through the user device communication unit 110 .

In addition, the user device control unit 150 controls one or more products to be paid (or payment products) selected by the user of the user device 100 accessing the online store (or online shopping mall) provided by the corresponding service providing device 300 . , the total payment amount (or information on the total payment amount), benefit information, etc. transmitted from the service providing device 300 are received through the user device communication unit 110 .

In this way, the user device controller 150 may confirm (or receive) the total payment amount for a product that the user of the user device 100 wants to purchase in an offline store and/or an online store.

In addition, the user device control unit 150 outputs the received total payment amount (or information about the total payment amount), benefit information, etc. through the user device display unit 130 and/or the user device voice output unit 140 . .

In addition, the user device control unit 150 includes the previously received payment schedule information, the performance request amount for each card previously registered in the user device 100 , payment priority information for each card, the service providing device 300 or One or more cards from among a plurality of cards previously registered (or stored) in the user device 100 (or the user device storage unit 120 ) based on the total payment amount and benefit information transmitted from the POS terminal 400 . Select (or select).

In addition, the user device controller 150 outputs one or more selected cards, a partial payment amount for each selected card, a total payment plan amount, etc. through the user device display unit 130 and/or the user device voice output unit 140 . do.

At this time, the user device control unit 150 reflects the benefit information and/or the performance request amount for each card among the plurality of cards registered in advance in the user device 100, and selects the one card with the highest benefit for the total payment amount. Alternatively, a plurality of cards are selected for payment in installments so as to process the performance request amount for each card.

In addition, the user device control unit 150 displays a PIN number according to a user input on a partial area of the user device display unit 130 in which one or more selected cards, a partial payment amount for each selected card, a total payment plan amount, etc. are displayed. receive Here, the PIN number may be a PIN number corresponding to the confirmed payment card type.

At this time, when a plurality of cards are selected, the user device control unit 150 is configured to receive each PIN number for each of the plurality of cards, or to receive a plurality of PIN numbers distinguished by an access character in the form of a single string. It can also be configured. Here, the connection character consists of one or more preset characters.

In addition, the user device control unit 150 receives one or more payment card types (or a plurality of payment card types/unique identification information of payment cards) for one or more selected cards, and one or more card types (or payment card types). PIN number (or one PIN number separated by a PIN number/connection character for each payment card type), payment amount information for each card corresponding to one or more payment card types (or partial payment amount information for each card), user device (100 ) and transmits the identification information and the like to the service providing device 300 or the POS terminal 400 . At this time, when a plurality of cards are selected, each PIN number, payment amount information for each card, etc. are stored on the plurality of cards in the order of the plurality of payment card types transmitted to the service providing device 300 or the POS terminal 400 . correspond to each

In addition, the user device control unit 150 controls one or more payment card types (or a plurality of payment cards) previously transmitted for one or more payment products (or payment products) selected by the user of the user device 100 in an offline store or an online store. card type/unique identification information of payment card), PIN number for each payment card type (or one PIN number identified by an access character), payment amount information for each card corresponding to one or more payment card types, respectively, of the user device 100 A payment function execution result transmitted from the service providing device 300 or the POS terminal 400 in response to identification information or the like is received through the user device communication unit 110 . Here, the payment function execution result (or payment information) includes a product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and the like.

In addition, the user device control unit 150 outputs the received payment function execution result through the user device display unit 130 and/or the user device voice output unit 140 .

The service providing device 300 communicates with the user device 100 , the POS terminal 400 , the payment server 500 , and the like.

In addition, the service providing apparatus 300 receives a request signal for requesting a performance request amount transmitted from the user apparatus 100 .

In addition, the service providing device 300 checks one or more cards issued to the user device that has transmitted the corresponding performance request amount confirmation request signal from among the cards for each user device that are each issued to the user device stored in advance.

Also, the service providing apparatus 300 checks a card to which a performance request amount is set among one or more checked cards, and checks the performance request amount of the checked card.

Also, the service providing device 300 transmits the performance request amount for each card issued to the corresponding user device 100 to the user device 100 in response to the received performance request amount confirmation request signal.

In addition, the service providing device 300 provides one or more products to be paid (or payment products) selected by the user of the user device 100 connected to the online store (or online shopping mall) provided by the service providing device 300 . , confirm the product to be paid for.

In addition, the service providing device 300 provides product information on one or more confirmed products to be paid for to the user device 100 . Here, the product information includes a product name, product unique code, unit price, quantity, amount, total total amount, and the like.

Also, the service providing device 300 transmits, to the user device 100 , the total payment scheduled amount (or information on the total payment amount) for the product to be paid, benefit information provided by the corresponding online store, and the like. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing device 300 includes one or more payment card types transmitted from the payment server 500, a PIN number for each payment card type (or one PIN number distinguished by an access character), identification information of the user device 100, etc. receive

In addition, the service providing device 300 includes identification information of the user device 100 and/or card information (or a plurality of card information) corresponding to one or more types of payment cards, user information, benefit information (or each of the plurality of card information) benefit information) and the like to the payment server 500 . Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like for the corresponding card registered in advance in the corresponding user device 100 . In addition, the user information includes a user name, date of birth, address, image, and the like.

That is, in relation to the user (or the corresponding user device 100 ) corresponding to the identification information of the user device 100 and/or one or more types of payment cards, the service providing device 300 provides the corresponding service providing device 300 in advance. Stored card information, user information, benefit information, etc. are checked, and the checked card information (or a plurality of card information), user information, benefit information (or a plurality of benefit information), and the like are transmitted to the payment server 500 .

In addition, the service providing device 300 includes one or more payment card types (or a plurality of payment card types/unique identification information of payment cards) for one or more cards transmitted from the user device 100, PIN numbers for each payment card type (or One PIN number identified by an access character), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, and the like are received.

In addition, the service providing device 300 includes identification information of the user device 100 and/or card information (or a plurality of card information) corresponding to one or more types of payment cards, user information, benefit information (or each of the plurality of card information) benefit information), etc. Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like for the corresponding card registered in advance in the corresponding user device 100 . In addition, the user information includes a user name, date of birth, address, image, and the like.

That is, in relation to the user (or the corresponding user device 100 ) corresponding to the identification information of the user device 100 and/or one or more types of payment cards, the service providing device 300 provides the corresponding service providing device 300 in advance. Check stored card information, user information, and benefit information.

In addition, the service providing device 300 includes one or more product information to be paid (or product information for one or more products to be paid), one or more payment card types, and a PIN number for each payment card type (or one PIN number separated by an access character) ), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, confirmed card information (or a plurality of card information), user information, benefit information (or by a plurality of card information) benefit information) and the like to the payment server 500 .

In addition, the service providing apparatus 300 receives the payment function execution result transmitted from the payment server 500 .

Also, the service providing device 300 transmits the received payment function execution result to the user device 100 . Here, when the payment is divided through a plurality of cards, the result of performing the corresponding payment function may include information on the payment amount (or partial payment amount for each card) paid for each of the plurality of cards.

The POS terminal 400 communicates with the user device 100 , the service providing device 300 , the payment server 500 , and the like.

In addition, the POS terminal 400 scans one or more products to be paid for (or payment products) selected by the user of the user device 100 who visited the offline store (or a barcode attached to the product to be paid). recognize).

In addition, the POS terminal 400 displays product information for one or more scanned (or recognized) products to be paid. Here, the product information includes a product name, product unique code, unit price, quantity, amount, total total amount, and the like.

In addition, the POS terminal 400 transmits, to the user device 100 , the total payment amount (or information on the total payment amount), benefit information provided by the store equipped with the POS terminal 400 , and the like. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the POS terminal 400 includes one or more payment card types (or a plurality of payment card types/unique identification information of payment cards) for one or more cards transmitted from the user device 100, PIN numbers for each payment card type (or access A PIN number identified by characters), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, and the like are received.

In addition, the POS terminal 400 includes one or more product information to be paid (or product information for one or more products to be paid), one or more payment card types, and a PIN number for each payment card type (or one PIN number separated by an access character) , transmits payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100 , identification information of the POS terminal 400 , and the like to the payment server 500 .

Also, the POS terminal 400 receives the payment function execution result transmitted from the payment server 500 .

In addition, the POS terminal 400 transmits the received payment function execution result to the user device 100 . Here, when the payment is divided through a plurality of cards, the result of performing the corresponding payment function may include information on the payment amount (or partial payment amount for each card) paid for each of the plurality of cards.

In addition, the POS terminal 400 may output the received payment function execution result through a printout such as a receipt.

The payment server 500 communicates with the user device 100 , the service providing device 300 , the POS terminal 400 , and the like.

In addition, the payment server 500 transmits one or more product information to be paid (or product information for one or more products to be paid) transmitted from the POS terminal 400, one or more payment card types, PIN numbers for each payment card type (or access characters) ), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 transmits the received one or more payment card types, PIN numbers for each payment card type (or one PIN number distinguished by access characters), identification information of the user device 100, etc. to the service providing device 300 send to

In addition, the payment server 500 receives card information (or a plurality of card information), user information, and benefit information (or a plurality of benefit information) transmitted from the service providing device 300 in response to one or more types of payment cards transmitted previously. receive etc.

In addition, the payment server 500 transmits from the service providing device 300 one or more product information to be paid (or product information for one or more products to be paid), one or more payment card types, PIN numbers for each payment card type (or access) one PIN number identified by characters), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, card information (or a plurality of card information), user information, benefit information ( or benefit information for each of a plurality of card information).

In addition, the payment server 500 receives the received card information (or a plurality of card information), user information, benefit information, a PIN number for each payment card type (or one PIN number distinguished by an access character), and payment amount information for each card. As the basis, a payment function is performed for the payment amount corresponding to the one or more product information to be paid. In this case, the payment server 500 provides a benefit corresponding to the price information of one or more products to be paid, the benefit information transmitted from the service providing device 300 (or the benefit information applicable to the user of the corresponding user device 100 ). A payment function may be performed on the payment amount to which the amount is applied.

In addition, if there is a plurality of card information, the payment server 500 is a partial payment amount (or partial payment scheduled amount / payment amount information for each card corresponding to the card information) for each card corresponding to the plurality of card information, respectively. perform the payment function for At this time, if the corresponding PIN number is a single PIN number divided by an access letter, the payment server 500 separates one PIN number divided by an access letter into a plurality of PIN numbers based on a preset access letter, respectively, A simple payment function can be performed based on a plurality of separate PIN numbers, respectively.

In addition, the payment server 500 transmits a result of performing a payment function (or payment information) to the POS terminal 400 , the service providing device 300 , and the like. Here, the result of performing the payment function (or payment information) includes a product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and the like.

In this case, the payment server 500 may directly transmit a result of performing the corresponding payment function (or payment information) to the corresponding user device 100 based on the identification information of the user device 100 .

In addition, when the divided payment function is performed through a plurality of cards, the payment server 500 provides the POS terminal 400, service provision result (or payment information) of the payment function including information on the partial payment amount for each card device 300 or the like. Here, the result of performing the payment function (or payment information) includes product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and a plurality of cards A payment amount (or a partial payment amount for each card) may be further included.

In this way, both benefits and achievements of one or more credit cards, cash cards, point cards, coupons, discount coupons, etc. registered in the user device may be considered.

Also, when performing a card division payment for a payment amount as described above, input of a plurality of PIN numbers for simple payment may be performed through one user interface.

In addition, when inputting a plurality of PIN numbers for simple payment in this way, it may be configured to input a plurality of PIN numbers at a time through a preset connection character.

Hereinafter, a control method of a payment system for card division payment in consideration of achievement of performance according to the present invention will be described in detail with reference to FIGS. 1 to 10 .

4 and 5 are It is a flowchart illustrating a control method of a payment system for card division payment in consideration of achievement of performance according to the first embodiment of the present invention.

First, the user device 100 receives payment schedule information on expenses, payment card types, payment dates, etc. that are regularly paid for every preset period (eg, monthly) according to a user input of the corresponding user device 100 . Here, the expenses that are regularly paid for each preset period include management fees, communication fees, academy fees, parking fees, and the like.

As an example, the user device 100 receives payment schedule information such as management fee 200,000 won, AA card, the 15th of every month, communication fee, BB card, and the 20th of every month (S410).

Thereafter, the user device 100 checks the monthly performance request amount (or the performance request amount for each card) from among the plurality of cards registered (or issued) in advance in the corresponding user device 100 . In this case, the user device 100 may also check (or set) payment priority information for each card.

That is, the user device 100 generates a performance request amount confirmation request signal for a plurality of cards registered in advance in the user device 100 , and transmits the generated performance request amount confirmation request signal to the service providing device 300 or payment. It is transmitted to the server 500 .

In addition, the user device 100 receives the performance request amount for each card issued to the corresponding user device 100 transmitted from the service providing device 300 or the payment server 500 in response to the transmitted performance request amount confirmation request signal. and check (or store) the received performance request amount for each card.

Also, the user device 100 sets payment priority information for each card with respect to one or more target cards that require performance for each card.

As an example, the user device 100 generates a performance request amount confirmation request signal for a plurality of cards registered in the electronic wallet app installed in advance in the user device 100, and sends the generated performance request amount confirmation request signal to the payment server Send to 500. In addition, the payment server 500 calculates the performance request amount for the card issued to the corresponding user device 100 through each card company (not shown) based on the request signal for confirming the performance request amount transmitted from the user device 100 . After checking, the confirmed performance request amount (or the performance request amount for each card) is transmitted to the user device 100 . In addition, the user device 100 responds to the previously transmitted performance request amount confirmation request signal transmitted from the payment server 500 for each card-specific performance request amount (eg, AA card 300,000 won, BB card 200,000 won, CC card 30 10,000 won, DD card 150,000 won, etc.) In addition, the user device 100 provides card-specific payment priority information (eg, AA card 1st priority, BB card 2nd priority) for a plurality of cards (eg, including AA card, BB card, CC card, DD card, etc.) , CC card 3rd priority, DD card 4th priority, etc.) is set (S420).

Thereafter, the POS terminal 400 scans (or pays for) one or more products to be paid for (or payment products) selected by the user of the user device 100 who has visited an offline store for the product to be paid for. Recognize the barcode attached to the product to be used).

In addition, the POS terminal 400 displays product information for one or more scanned (or recognized) products to be paid. Here, the product information includes a product name, product unique code, unit price, quantity, amount, total total amount, and the like.

For example, the POS terminal 400 recognizes barcodes attached to the eleventh to thirteenth products, respectively, with respect to the eleventh to thirteenth products selected by the user of the corresponding user device 100, and recognizes the recognized eleventh products. Product information for the product to the thirteenth product is displayed (S430).

Thereafter, the POS terminal 400 transmits, to the user device 100 , the total payment amount (or information on the total payment amount), benefit information provided by the store in which the POS terminal 400 is provided, and the like. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

As an example, the POS terminal 400 provides the total payment amount (for example, 500,000 won) for the 11th product to the 13th product, benefit information (for example, 5% accumulation when paying with an AA card, an additional 10 when paying with a DD card) % discount, etc.) are transmitted to the user device 100 (S440).

Thereafter, the user device 100 receives the total payment amount (or information on the total payment amount), benefit information, and the like, transmitted from the POS terminal 400 .

In addition, the user device 100 transmits the previously received payment schedule information, the performance request amount for each card for a plurality of cards registered in advance in the user device 100 , the payment priority information for each card, and the POS terminal 400 . One or more cards are selected (or selected) from a plurality of cards pre-registered in the user device 100 based on the total payment amount, benefit information, and the like.

In addition, the user device 100 displays one or more selected cards, a partial payment scheduled amount for each selected card, a total payment scheduled amount, and the like.

For example, when the payment time is the 3rd, which is the preset beginning of the month, the user device 100 receives benefit information transmitted from the POS terminal 400 (eg, 5% credit when paying with an AA card, additional 10 when paying with a DD card) % discount, etc.), payment schedule information (e.g., management fee 200,000 won, AA card, 15th of every month, communication fee, BB card, 20th of every month, etc.), performance requirements for each card (e.g. AA card 300,000 won, BB card 200,000 won, CC card 300,000 won, DD card 150,000 won, etc.), payment priority information by card (eg, AA card rank 1, BB card rank 2, CC card rank 3, DD card rank 4, etc.) , among a plurality of cards (eg, including AA card, BB card, CC card, DD card, etc.) pre-registered in the electronic wallet app of the user device 100 based on the total payment amount (eg, 500,000 won) A DD card with a high benefit is selected, and as shown in FIG. 6 , the actual payment amount to be paid with the selected DD card 610 and the selected DD card (eg, 10% discounted 450,000 won) (620) , the total payment amount (for example, 500,000 won) 630 and the like are displayed.

As another example, the user device 100 includes benefit information transmitted from the POS terminal 400 (eg, 5% accumulation when paying with an AA card, an additional 10% discount when paying with a DD card, etc.), payment schedule information (eg, For example, management fee 200,000 won, AA card, 15th of each month, communication fee, BB card, 20th of every month, etc.), performance required for each card (eg AA card 300,000 won, BB card 200,000 won, CC card 300,000 won, DD card) 150,000 won, etc.), payment priority information by card (including AA card 1st, BB card 2nd, CC card 3rd, DD card 4th, etc.), total payment amount (eg 500,000 won) Based on the above, the AA card is preferentially selected from among a plurality of cards (eg, AA card, BB card, CC card, DD card, etc.) registered in advance in the electronic wallet app of the user device 100 . In addition, since the total expected payment amount (for example, 500,000 won) exceeds the performance required amount of the AA card (for example, 300,000 won), the user device 100 divides the entire expected payment amount (for example, 500,000 won) In order to make a payment, in addition to the AA card, performance by card is required, and a BB card with the highest payment priority information after the AA card is additionally selected. In addition, as shown in FIG. 7 , the user device 100 includes a selected AA card 710 , a partial payment scheduled amount to be paid with the selected AA card (eg, 300,000 won) 720 , and a selected BB card. 730, a partial payment scheduled amount to be paid by the selected BB card (for example, 200,000 won) 740, a total payment scheduled amount (for example, 500,000 won) 750, and the like are displayed.

In this way, the user device 100 reflects the benefit information and/or the performance request amount for each card among the plurality of cards registered in advance in the user device 100, and selects one card with the highest benefit for the total payment amount due. Alternatively, a plurality of cards may be selected for partial payment to process the performance request amount for each card (S450).

Thereafter, the user device 100 receives a PIN number according to a user input on a partial area in which one or more selected cards, a partial payment scheduled amount for each selected card, a total payment scheduled amount, and the like are displayed. Here, when a plurality of cards are selected, the user device 100 is configured to receive respective PIN numbers for each of the plurality of cards, or configured to receive a plurality of PIN numbers distinguished by access characters in the form of a single string You may. Here, the connection character consists of one or more preset characters.

For example, the user device 100 receives the first PIN number (eg, 123456) according to the user input in the item 640 for PIN number input shown in FIG. 6 .

As another example, the user device 100 according to the user input in the plurality of items 760 and 770 for each PIN number input for the plurality of cards (eg, AA card and BB card) shown in FIG. 7 . Receive a respective second PIN number (eg 234567) and a third PIN number (eg 345678).

As another example, the user device 100 performs one user input in one item 810 for inputting a plurality of PIN numbers for a plurality of cards (eg, AA cards and BB cards) shown in FIG. 8 . A fourth PIN number (eg, 987654@654321 or 987654@23654321) is received. Here, when the preset access character is '@', the fourth PIN number (for example, 987654@654321) is separated by the access character (@) so that the PIN number for the AA card is 987654, and the BB card The PIN number for this may be 654321. In addition, when the preset access character is '@23', the fourth PIN number (for example, 987654@23654321) is separated by the access character (@23), and the PIN number for the AA card is 987654 in turn, BB The PIN number for the card may be 654321 (S460).

Thereafter, the user device 100 receives one or more payment card types (or a plurality of payment card types/unique identification information of payment cards) for one or more selected cards, and a PIN received for one or more card types (or payment card types) number (or one PIN number separated by a PIN number / access character for each payment card type), payment amount information for each card corresponding to one or more payment card types (or partial payment amount information for each card), user device 100 and transmits the identification information of the POS to the POS terminal 400 . In this case, when a plurality of cards are selected, each PIN number, payment amount information for each card, and the like, respectively, correspond to the plurality of cards in the order of the plurality of payment card types transmitted to the POS terminal 400 .

As an example, the user device 100 may determine the type of DD card with the greatest benefit, the first PIN number (eg, 123456), the actual payment amount to be paid with the DD card (eg, 10% discount of KRW 450,000), the user It transmits identification information of the device 100 and the like to the POS terminal 400 .

As another example, the user device 100 may provide a second PIN number (eg, 234567, corresponding to the PIN number of the AA card) and a third PIN received for each selected card type and payment card type for the AA card and the BB card. Number (for example, 345678, corresponding to the PIN number of the BB card), payment amount information for each card (for example, AA card 300,000 won, BB card 200,000 won), identification information of the user device 100, etc. ) is sent to

As another example, the user device 100 may include a card type for the selected AA card and BB card, a fourth PIN number received for each payment card type (eg, 987654@654321), and payment amount information for each card (eg, For example, AA card 300,000 won, BB card 200,000 won) and identification information of the user device 100 are transmitted to the POS terminal 400 (S470).

Thereafter, the POS terminal 400 provides one or more payment card types (or a plurality of payment card types/unique identification information of payment cards) for one or more cards transmitted from the user device 100, PIN numbers for each payment card type (or access A PIN number identified by characters), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, and the like are received.

In addition, the POS terminal 400 includes one or more product information to be paid (or product information for one or more products to be paid), one or more payment card types, and a PIN number for each payment card type (or one PIN number separated by an access character) , transmits payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100 , identification information of the POS terminal 400 , and the like to the payment server 500 .

For example, the POS terminal 400 may provide product information for the recognized 11th to 13th products, a DD card type, a first PIN number (eg, 123456), and an actual payment amount to be paid with the DD card (eg, For example, 10% discount of 450,000 won), identification information of the user device 100 , identification information of the POS terminal 400 , and the like are transmitted to the payment server 500 .

As another example, the POS terminal 400 includes product information for the recognized 11th product to 13th product, card types for AA cards and BB cards, a second PIN number for each payment card type (eg, 234567), and a third PIN number (for example, 345678), payment amount information for each card (eg AA card 300,000 won, BB card 200,000 won), identification information of the user device 100, identification information of the POS terminal 400, etc. to the payment server Send to 500.

As another example, the POS terminal 400 provides product information for the recognized 11th to 13th products, card types for AA cards and BB cards, and a fourth PIN number for each payment card type (eg, 987654@654321) , transmits payment amount information for each card (eg AA card 300,000 won, BB card 200,000 won), identification information of the user device 100, identification information of the POS terminal 400, and the like to the payment server 500 (S480) ).

Thereafter, the payment server 500 transmits one or more product information to be paid (or product information for one or more products to be paid) transmitted from the POS terminal 400, one or more payment card types, PIN numbers for each payment card type (or access characters) ), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 transmits the received one or more payment card types, PIN numbers for each payment card type (or one PIN number distinguished by access characters), identification information of the user device 100, etc. to the service providing device 300 send to

As an example, the payment server 500 transmits product information for the eleventh to thirteenth products transmitted from the POS terminal 400 , a DD card type, a first PIN number (eg, 123456), and an actual payment to be made with a DD card. Receives the payment scheduled amount (eg, 10% discount of 450,000 won), identification information of the user device 100, identification information of the POS terminal 400, and the like, and receives the received DD card type and first PIN number (eg, For example, 123456) and identification information of the user device 100 are transmitted to the service providing device 300 .

As another example, the payment server 500 transmits product information for the eleventh to thirteenth products transmitted from the POS terminal 400, card types for AA cards and BB cards, and second PIN numbers for each payment card type (eg, 234567) and a third PIN number (eg, 345678), payment amount information for each card (eg, AA card 300,000 won, BB card 200,000 won), identification information of the user device 100, POS terminal 400 Receive identification information, etc., and the second PIN number (eg 234567) and third PIN number (eg 345678) and the user device 100 for each card type and payment card type for the received AA card and BB card The identification information is transmitted to the service providing apparatus 300 (S490).

Thereafter, the service providing device 300 transmits one or more payment card types transmitted from the payment server 500, a PIN number for each payment card type (or one PIN number distinguished by an access character), identification information of the user device 100, etc. receive

In addition, the service providing device 300 includes identification information of the user device 100 and/or card information (or a plurality of card information) corresponding to one or more types of payment cards, user information, benefit information (or each of the plurality of card information) benefit information) and the like to the payment server 500 . Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like for the corresponding card registered in advance in the corresponding user device 100 . In addition, the user information includes a user name, date of birth, address, image, and the like.

That is, in relation to the user (or the corresponding user device 100 ) corresponding to the identification information of the user device 100 and/or one or more types of payment cards, the service providing device 300 provides the corresponding service providing device 300 in advance. Stored card information, user information, benefit information, etc. are checked, and the checked card information (or a plurality of card information), user information, benefit information (or a plurality of benefit information), and the like are transmitted to the payment server 500 .

For example, the service providing device 300 transmits the identification information of the user device 100 and the 31st card information, the 31st user information, the 31st benefit information, etc. corresponding to the DD card type to the payment server 500 .

As another example, the service providing device 300 may include the thirty-second card information corresponding to the AA card type, the thirty-second user information, the thirty-second benefit information, the thirty-third card information corresponding to the BB card type, the thirty-third user information, and the thirty-third Benefit information and the like are transmitted to the payment server 500 .

In addition, the service providing device 300 checks the validity of the card corresponding to the corresponding payment card type issued to the user device 100 based on one or more payment card types and PIN numbers for each payment card type (or performs an authentication procedure) ), and if the check result (or the result of performing the authentication procedure) is valid for the corresponding card, card information, user information, benefit information, etc. corresponding to the corresponding payment card type may be transmitted to the payment server 500 ( S500 ).

Thereafter, the payment server 500 transmits card information (or a plurality of card information), user information, and benefit information (or a plurality of benefit information) transmitted from the service providing device 300 in response to one or more types of payment cards transmitted previously. receive etc.

In addition, the payment server 500 receives the received card information (or a plurality of card information), user information, benefit information, a PIN number for each payment card type (or one PIN number distinguished by an access character), and payment amount information for each card. As the basis, a payment function is performed for the payment amount corresponding to the one or more product information to be paid. In this case, the payment server 500 provides a benefit corresponding to the price information of one or more products to be paid, the benefit information transmitted from the service providing device 300 (or the benefit information applicable to the user of the corresponding user device 100 ). A payment function may be performed on the payment amount to which the amount is applied.

As an example, the payment server 500 includes, for the eleventh product to the thirteenth product to be paid, 31 th card information (eg, card information corresponding to the DD card type) transmitted from the service providing device 300 , the 31 th product Based on the user information, the 31st benefit information, the 1st PIN number (eg 123456), the actual payment amount to be paid by the DD card (eg 10% discount of 450,000 won), the payment amount (eg 45 10,000 won) to perform a payment function.

In addition, if there is a plurality of card information, the payment server 500 is a partial payment amount (or partial payment scheduled amount / payment amount information for each card corresponding to the card information) for each card corresponding to the plurality of card information, respectively. perform the payment function for At this time, if the corresponding PIN number is a single PIN number divided by an access letter, the payment server 500 separates one PIN number divided by an access letter into a plurality of PIN numbers based on a preset access letter, respectively, A simple payment function can be performed based on a plurality of separate PIN numbers, respectively.

As another example, the payment server 500 includes, for the eleventh product to the thirteenth product to be paid, the 32 th card information (eg, card information corresponding to the AA card type) transmitted from the service providing device 300 , the th 32 user information, the 32nd benefit information, the 33rd card information (for example, card information corresponding to the BB card type), the 33rd user information, the 33rd benefit information, the second PIN number received for each payment card type (for example, 234567), a third PIN number (eg 345678), and payment amount information for each card (eg AA card 300,000 won, BB card 200,000 won) to perform a payment function for 300,000 won through an AA card, , to perform the payment function for 200,000 won through BB card.

As another example, the payment server 500 uses the fourth PIN number (eg, 987654@654321) received for each payment card type based on a preset access character (eg, @) with a plurality of PIN numbers (eg, For example, 987654 and 654321). In addition, the payment server 500, for the eleventh to thirteenth products to be paid, the 32nd card information (eg, card information corresponding to the AA card type) transmitted from the service providing device 300, the 32nd user information, the 32nd benefit information, the 33rd card information (for example, card information corresponding to the BB card type), the 33rd user information, the 33rd benefit information, a plurality of PIN numbers separated by card (eg 987654 and 654321) ), perform a payment function for 300,000 won through an AA card based on payment amount information for each card (for example, 300,000 won for AA card, 200,000 won for BB card), and perform a payment function for 200,000 won through BB card do (S510).

Thereafter, the payment server 500 transmits a result of performing a payment function (or payment information) to the POS terminal 400 , the service providing device 300 , and the like. Here, the result of performing the payment function (or payment information) includes a product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and the like.

For example, the payment server 500 transmits the result of performing the payment function for the eleventh product to the thirteenth product to the POS terminal 400 , the service providing device 300 , and the like. Here, the result of performing the payment function includes the product name of the 11th product to the 13th product, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, DD card type, etc. do.

In addition, when the divided payment function is performed through a plurality of cards, the payment server 500 provides the POS terminal 400, service provision result (or payment information) of the payment function including information on the partial payment amount for each card device 300 or the like. Here, the result of performing the payment function (or payment information) includes product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and a plurality of cards A payment amount (or a partial payment amount for each card) may be further included.

As another example, the payment server 500 transmits the result of performing the payment function for the eleventh product to the thirteenth product to the POS terminal 400 , the service providing device 300 , and the like. Here, the result of performing the payment function is the product name of the 11th product to the 13th product, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, AA card type and BB card It includes the type, partial payment amount for each card (eg, 300,000 won for AA card, 200,000 won for BB card) (S520).

Thereafter, the POS terminal 400 receives the payment function execution result transmitted from the payment server 500 .

In addition, the POS terminal 400 transmits the received payment function execution result to the user device 100 . Here, when the payment is divided through a plurality of cards, the result of performing the corresponding payment function may include information on the payment amount (or partial payment amount for each card) paid for each of the plurality of cards.

For example, the POS terminal 400 transmits the received payment function execution results for the eleventh to thirteenth products to the user device 100 .

Also, the POS terminal 400 may output the received payment function execution result through a printout such as a receipt (S530).

Thereafter, the user device 100 transmits one or more payment card types (or a plurality of payment card types/unique identification information of payment cards), a PIN number for each payment card type (or one PIN number distinguished by an access character), A payment function execution result transmitted from the POS terminal 400 is received in response to payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100 , and the like.

Also, the user device 100 displays the received payment function execution result.

As an example, the user device 100 determines the type of the DD card with the greatest benefit transmitted above, the first PIN number (eg, 123456), and the actual payment amount to be paid with the DD card (eg, 10% discount of 450,000 won) ), a result of performing a payment function for the eleventh product to the thirteenth product transmitted from the POS terminal 400 in response to identification information of the user device 100 . In addition, the user device 100 displays the result of performing the payment function received through the electronic wallet app.

As another example, the user device 100 transmits a second PIN number (eg 234567) and a third PIN number (eg 345678) received for each card type and payment card type for the previously transmitted AA card and BB card. , Payment for the eleventh to thirteenth products transmitted from the POS terminal 400 in response to payment amount information for each card (eg AA card 300,000 won, BB card 200,000 won), identification information of the user device 100, etc. Receive the function execution result. Also, the user device 100 displays the result of performing the payment function received through the electronic wallet app (S540).

9 and 10 are It is a flowchart illustrating a control method of a payment system for card division payment in consideration of achievement of performance according to a second embodiment of the present invention.

First, the user device 100 receives payment schedule information on expenses, payment card types, payment dates, etc. that are regularly paid for every preset period (eg, monthly) according to a user input of the corresponding user device 100 . Here, the expenses that are regularly paid for each preset period include management fees, communication fees, academy fees, parking fees, and the like.

As an example, the user device 100 receives payment schedule information, such as a management fee of 200,000 won, an AA card, the 15th of every month, a communication fee, a BB card, and the 20th of every month ( S910 ).

Thereafter, the user device 100 checks the monthly performance request amount (or the performance request amount for each card) from among the plurality of cards registered (or issued) in advance in the corresponding user device 100 . In this case, the user device 100 may also check (or set) payment priority information for each card.

That is, the user device 100 generates a performance request amount confirmation request signal for a plurality of cards registered in advance in the user device 100 , and transmits the generated performance request amount confirmation request signal to the service providing device 300 or payment. It is transmitted to the server 500 .

In addition, the user device 100 receives the performance request amount for each card issued to the corresponding user device 100 transmitted from the service providing device 300 or the payment server 500 in response to the transmitted performance request amount confirmation request signal. and check (or store) the received performance request amount for each card.

Also, the user device 100 sets payment priority information for each card with respect to one or more target cards that require performance for each card.

As an example, the user device 100 generates a performance request amount confirmation request signal for a plurality of cards registered in the electronic wallet app installed in advance in the user device 100, and sends the generated performance request amount confirmation request signal to the payment server Send to 500. In addition, the payment server 500 calculates the performance request amount for the card issued to the corresponding user device 100 through each card company (not shown) based on the request signal for confirming the performance request amount transmitted from the user device 100 . After checking, the confirmed performance request amount (or the performance request amount for each card) is transmitted to the user device 100 . In addition, the user device 100 responds to the previously transmitted performance request amount confirmation request signal transmitted from the payment server 500 for each card-specific performance request amount (eg, AA card 300,000 won, BB card 200,000 won, CC card 30 10,000 won, DD card 150,000 won, etc.) In addition, the user device 100 provides card-specific payment priority information (eg, AA card 1st priority, BB card 2nd priority) for a plurality of cards (eg, including AA card, BB card, CC card, DD card, etc.) , CC card 3rd priority, DD card 4th priority, etc.) is set (S920).

Thereafter, the service providing device 300 provides for one or more products to be paid (or payment products) selected by the user of the user device 100 accessing the online store (or online shopping mall) provided by the service providing device 300 . , confirm the product to be paid for.

In addition, the service providing device 300 provides product information on one or more confirmed products to be paid for to the user device 100 . Here, the product information includes a product name, product unique code, unit price, quantity, amount, total total amount, and the like.

In addition, the user device 100 displays product information on one or more products to be paid, provided from the service providing device 300 .

As an example, the service providing apparatus 300 checks product information for the 21st product to the 24th product for the 21st product to the 24th product selected by the user of the corresponding user device 100, respectively, and Product information on the twenty-first to twenty-fourth products is provided to the user device 100 . Also, the user device 100 displays product information on the twenty-first to twenty-fourth products provided from the service providing device 300 (S930).

Thereafter, the service providing device 300 transmits, to the user device 100 , the total payment amount (or information on the total payment amount) for the product to be paid, benefit information provided by the corresponding online store, and the like. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

As an example, the service providing device 300 provides the total payment amount (eg, 400,000 won) for the 21st to 24th products, benefit information (eg, 5% accumulation when paying with an AA card, and adding when paying with a DD card) 10% discount, etc.) is transmitted to the user device 100 (S940).

Thereafter, the user device 100 receives the total payment amount (or information on the total payment amount), benefit information, and the like, transmitted from the service providing device 300 .

In addition, the user device 100 transmits the previously received payment schedule information, the performance request amount for each card for a plurality of cards registered in advance in the user device 100 , payment priority information for each card, and the service providing device 300 . One or more cards are selected (or selected) from among a plurality of cards pre-registered in the user device 100 based on the total payment scheduled amount, benefit information, and the like.

In addition, the user device 100 displays one or more selected cards, a partial payment scheduled amount for each selected card, a total payment scheduled amount, and the like.

As an example, when the payment time is the 3rd, which is the preset beginning of the month, the user device 100 receives benefit information transmitted from the service providing device 300 (eg, 5% credit when paying with an AA card, adding when paying with a DD card) 10% discount, etc.), payment schedule information (e.g., administration fee 200,000 won, AA card, 15th of every month, communication fee, BB card, 20th of every month, etc.), performance requirements for each card (e.g. AA card 300,000 won , BB card 200,000 won, CC card 300,000 won, DD card 150,000 won, etc.), payment priority information by card (for example, AA card rank 1, BB card rank 2, CC card rank 3, DD card rank 4, etc.) ), a plurality of cards (eg, AA card, BB card, CC card, DD card, etc.) pre-registered in the electronic wallet app of the user device 100 based on the total payment amount (eg, 400,000 won) Select a DD card with high benefits from among the selected DD card, the actual payment amount to be paid with the selected DD card (for example, 360,000 won with a 10% discount), the total payment amount (for example, 400,000 won), etc. to display

As another example, the user device 100 includes benefit information transmitted from the service providing device 300 (eg, 5% accumulation when paying with an AA card, an additional 10% discount when paying with a DD card, etc.), payment schedule information (eg, For example, management fee 200,000 won, AA card, 15th of each month, communication fee, BB card, 20th of every month, etc.), performance requirements for each card (e.g. AA card 300,000 won, BB card 200,000 won, CC card 300,000 won, DD Card 150,000 won, etc.), payment priority information for each card (including AA card 1st, BB card 2nd, CC card 3rd, DD card 4th, etc.), total payment amount (e.g. 400,000 won) ), the AA card is preferentially selected from among a plurality of cards (eg, including AA cards, BB cards, CC cards, DD cards, etc.) registered in advance in the electronic wallet app of the user device 100 . In addition, since the total expected payment amount (for example, 400,000 won) exceeds the performance required amount of the AA card (for example, 300,000 won), the user device 100 divides the entire expected payment amount (for example, 400,000 won) For payment, performance by card is required in addition to AA cards, and BB cards with the highest payment priority information after AA cards are additionally selected. In addition, the user device 100 determines a partial payment amount to be paid with the selected AA card, the selected AA card (for example, 300,000 won), the selected BB card, and the partial payment amount to be paid with the selected BB card (eg, For example, 100,000 won) and the total amount to be paid (for example, 400,000 won) are displayed.

In this way, the user device 100 reflects the benefit information and/or the performance request amount for each card among the plurality of cards registered in advance in the user device 100, and selects one card with the highest benefit for the total payment amount due. Alternatively, a plurality of cards may be selected for partial payment so as to process the performance request amount for each card (S950).

Thereafter, the user device 100 receives a PIN number according to a user input on a partial area in which one or more selected cards, a partial payment scheduled amount for each selected card, a total payment scheduled amount, and the like are displayed. Here, when a plurality of cards are selected, the user device 100 is configured to receive respective PIN numbers for each of the plurality of cards, or configured to receive a plurality of PIN numbers distinguished by access characters in the form of a single string You may. Here, the connection character consists of one or more preset characters.

For example, the user device 100 receives a first PIN number (eg, 123456) according to a user input from a preset item for PIN number input.

As another example, the user device 100 sets each second PIN number (eg, AA card and BB card) according to a user input in a plurality of preset items for inputting PIN numbers for a plurality of cards (eg, AA card and BB card). 234567) and a third PIN number (eg 345678).

As another example, the user device 100 provides a fourth PIN number ( For example, 987654@654321 or 987654@23654321). Here, when the preset access character is '@', the fourth PIN number (for example, 987654@654321) is separated by the access character (@) so that the PIN number for the AA card is 987654, and the BB card The PIN number for this may be 654321. In addition, when the preset access character is '@23', the fourth PIN number (for example, 987654@23654321) is separated by the access character (@23), and the PIN number for the AA card is 987654 in turn, BB The PIN number for the card may be 654321 (S960).

Thereafter, the user device 100 receives one or more payment card types (or a plurality of payment card types/unique identification information of payment cards) for one or more selected cards, and a PIN received for one or more card types (or payment card types) number (or one PIN number separated by a PIN number / access character for each payment card type), payment amount information for each card corresponding to one or more payment card types (or partial payment amount information for each card), user device 100 and transmits identification information of the service provider 300 to the service providing device 300 . In this case, when a plurality of cards are selected, each PIN number, payment amount information for each card, and the like, respectively, correspond to the plurality of cards in the order of the plurality of payment card types transmitted to the service providing device 300 .

For example, the user device 100 determines the type of DD card with the greatest benefit, the first PIN number (eg, 123456), the actual payment amount to be paid with the DD card (eg, 360,000 won with a 10% discount), the user The identification information of the device 100 is transmitted to the service providing device 300 .

As another example, the user device 100 may provide a second PIN number (eg, 234567, corresponding to the PIN number of the AA card) and a third PIN received for each selected card type and payment card type for the AA card and the BB card. number (for example, 345678, corresponding to the PIN number of the BB card), payment amount information for each card (for example, AA card 300,000 won, BB card 100,000 won), identification information of the user device 100, etc. to the service providing device ( 300) is sent.

As another example, the user device 100 may include a card type for the selected AA card and BB card, a fourth PIN number received for each payment card type (eg, 987654@654321), and payment amount information for each card (eg, For example, AA card 300,000 won, BB card 100,000 won) and identification information of the user device 100 are transmitted to the service providing device 300 (S970).

Thereafter, the service providing device 300 provides one or more payment card types (or a plurality of payment card types/unique identification information of payment cards) for one or more cards transmitted from the user device 100, PIN numbers for each payment card type (or One PIN number identified by an access character), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, and the like are received.

In addition, the service providing device 300 includes identification information of the user device 100 and/or card information (or a plurality of card information) corresponding to one or more types of payment cards, user information, benefit information (or each of the plurality of card information) benefit information), etc. Here, the card information includes a card number, an expiration date, a CVC number, a user name, and the like for the corresponding card registered in advance in the corresponding user device 100 . In addition, the user information includes a user name, date of birth, address, image, and the like.

That is, in relation to the user (or the corresponding user device 100 ) corresponding to the identification information of the user device 100 and/or one or more types of payment cards, the service providing device 300 provides the corresponding service providing device 300 in advance. Check stored card information, user information, and benefit information.

As an example, the service providing device 300 may store a plurality of previously stored identification information of a plurality of user devices, card information for each card type, user information, and benefit information, which is a first corresponding to previously received identification information and DD card type of the user device 100 . The 41st card information, the 41st user information, the 41st benefit information, etc. are checked.

As another example, the service providing device 300 may include pre-stored identification information of a plurality of user devices, card information for each card type, user information, and benefit information, 42 th card information and 42 th user information corresponding to the previously received AA card type. , 42 th benefit information, 43 th card information corresponding to the previously received BB card type, 43 th user information, 43 th benefit information, etc. are checked (S980).

Thereafter, the service providing device 300 provides one or more product information to be paid (or product information for one or more products to be paid), one or more payment card types, and a PIN number for each payment card type (or one PIN number separated by an access character) ), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, confirmed card information (or a plurality of card information), user information, benefit information (or by a plurality of card information) benefit information) and the like to the payment server 500 .

For example, the service providing device 300 may provide product information for the 21st to 24th products, a DD card type, a first PIN number (eg, 123456), and an actual payment amount to be paid with the DD card (eg, 10% discount of 360,000 won), identification information of the user device 100 , the 41st card information, the 41st user information, the 41st benefit information, and the like are transmitted to the payment server 500 .

As another example, the service providing device 300 includes product information for the 21st product to the 24th product, a card type for an AA card and a BB card, and a second PIN number (eg, 234567) received for each payment card type, and Third PIN number (eg, 345678), payment amount information for each card (eg, AA card 300,000 won, BB card 100,000 won), identification information of the user device 100, 42 th and 43 th card information, 42 th and the 43 th user information and the 42 th and 43 th benefit information are transmitted to the payment server 500 .

As another example, the service providing device 300 provides product information for the twenty-first to twenty-fourth products, card types for AA cards and BB cards, and fourth PIN numbers (eg, 987654@ 654321), payment amount information for each card (for example, AA card 300,000 won, BB card 100,000 won), identification information of the user device 100, 42nd and 43rd card information, 42nd and 43rd user information, 42nd and 43th benefit information and the like are transmitted to the payment server 500 (S990).

Thereafter, the payment server 500 transmits one or more product information to be paid (or product information for one or more products to be paid) transmitted from the service providing device 300 , one or more payment card types, and PIN numbers for each payment card type (or access). one PIN number identified by characters), payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, card information (or a plurality of card information), user information, benefit information ( or benefit information for each of a plurality of card information).

In addition, the payment server 500 receives card information (or a plurality of card information), user information, benefit information (or a plurality of card information-specific benefit information), a PIN number for each payment card type (or one PIN number), and performs a payment function for the payment amount corresponding to the one or more product information to be paid based on the payment amount information for each card. In this case, the payment server 500 provides a benefit corresponding to the price information of one or more products to be paid, the benefit information transmitted from the service providing device 300 (or the benefit information applicable to the user of the corresponding user device 100 ). A payment function may be performed on the payment amount to which the amount is applied.

For example, the payment server 500 may include, for the twenty-first to twenty-fourth products to be paid, the 41st card information (eg, card information corresponding to the DD card type) transmitted from the service providing device 300 , the 41st product. Based on the user information, the 41st benefit information, the first PIN number (eg 123456), the actual payment amount to be paid by the DD card (eg, 360,000 won with a 10% discount), the amount of the payment (eg 36 10,000 won) to perform a payment function.

In addition, if there is a plurality of card information, the payment server 500 is a partial payment amount (or partial payment scheduled amount / payment amount information for each card corresponding to the card information) for each card corresponding to the plurality of card information, respectively. perform the payment function for At this time, if the corresponding PIN number is a single PIN number divided by an access letter, the payment server 500 separates one PIN number divided by an access letter into a plurality of PIN numbers based on a preset access letter, respectively, A simple payment function can be performed based on a plurality of separate PIN numbers, respectively.

As another example, the payment server 500 may include, for the twenty-first to twenty-fourth products to be paid, the forty-second card information (eg, card information corresponding to the type of AA card) transmitted from the service providing device 300, the second 42 user information, 42nd benefit information, 43rd card information (for example, card information corresponding to BB card types), 43rd user information, 43rd benefit information, 2nd PIN number received for each payment card type (for example, 234567), a third PIN number (eg 345678), and payment amount information for each card (eg AA card 300,000 won, BB card 100,000 won) to perform a payment function for 300,000 won through an AA card, , to perform a payment function for 100,000 won through a BB card.

As another example, the payment server 500 uses the fourth PIN number (eg, 987654@654321) received for each payment card type based on a preset access character (eg, @) with a plurality of PIN numbers (eg, For example, 987654 and 654321). In addition, the payment server 500, for the twenty-first to twenty-fourth products to be paid, the 42nd card information (eg, card information corresponding to the AA card type) transmitted from the service providing device 300, the 42nd user information, the 42nd benefit information, the 43rd card information (for example, card information corresponding to the BB card type), the 43rd user information, the 43rd benefit information, a plurality of PIN numbers (eg 987654 and 654321 for each card) ), perform a payment function for 300,000 won through AA card based on payment amount information for each card (for example, 300,000 won for AA card, 100,000 won for BB card), and perform payment function for 100,000 won through BB card do (S1000).

Thereafter, the payment server 500 transmits a result of performing a payment function (or payment information) to the service providing device 300 , or the like. Here, the result of performing the payment function (or payment information) includes a product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and the like.

In this case, the payment server 500 may directly transmit a result of performing the corresponding payment function (or payment information) to the corresponding user device 100 based on the identification information of the user device 100 .

For example, the payment server 500 transmits a result of performing a payment function for the twenty-first to twenty-fourth products to the service providing device 300 . Here, the result of performing the payment function includes the product name of the 21st product to the 24th product, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, DD card type, etc. do.

In addition, when the divided payment function is performed through a plurality of cards, the payment server 500 transmits the payment function performance result (or payment information) including information on the partial payment amount for each card to the service providing device 300 . do. Here, the result of performing the payment function (or payment information) includes product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and a plurality of cards A payment amount (or a partial payment amount for each card) may be further included.

As another example, the payment server 500 transmits the result of performing the payment function for the twenty-first to twenty-fourth products to the service providing device 300 . Here, the result of performing the payment function is the product name of the 21st product to the 24th product, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, AA card type and BB card It includes the type and partial payment amount for each card (eg, 300,000 won for an AA card, 100,000 won for a BB card) (S1010).

Thereafter, the service providing apparatus 300 receives the payment function execution result transmitted from the payment server 500 .

Also, the service providing device 300 transmits the received payment function execution result to the user device 100 . Here, when the payment is divided through a plurality of cards, the result of performing the corresponding payment function may include information on the payment amount (or partial payment amount for each card) paid for each of the plurality of cards.

As an example, the service providing apparatus 300 transmits the received payment function execution result for the twenty-first to twenty-fourth product to the user device 100 (S1020).

Thereafter, the user device 100 transmits one or more payment card types (or a plurality of payment card types/unique identification information of payment cards), a PIN number for each payment card type (or one PIN number distinguished by an access character), A payment function execution result transmitted from the service providing device 300 is received in response to payment amount information for each card corresponding to one or more types of payment cards, identification information of the user device 100, and the like.

Also, the user device 100 displays the received payment function execution result.

As an example, the user device 100 determines the type of the DD card with the greatest benefit transmitted above, the first PIN number (eg, 123456), and the actual payment amount to be paid with the DD card (eg, 360,000 won with a 10% discount). ), a result of performing a payment function for a twenty-first to twenty-fourth product transmitted from the service providing device 300 in response to identification information of the user device 100 . In addition, the user device 100 displays the result of performing the payment function received through the electronic wallet app.

As another example, the user device 100 transmits a second PIN number (eg 234567) and a third PIN number (eg 345678) received for each card type and payment card type for the previously transmitted AA card and BB card. , the payment amount information for each card (for example, AA card 300,000 won, BB card 100,000 won), identification information of the user device 100, etc. The 21st to 24th products transmitted from the service providing device 300 for Receive the payment function execution result. In addition, the user device 100 displays the result of performing the payment function received through the electronic wallet app (S1030).

A user device, a service providing device, a POS terminal, and a payment system including the same according to an embodiment of the present invention can be written as a computer program, and codes and code segments constituting the computer program can be easily prepared by a computer programmer in the art. can be inferred. In addition, the computer program is stored in a computer-readable information storage medium (computer readable media), and is read by a computer or a user device according to an embodiment of the present invention, a beacon, a service providing device, a POS terminal, a payment server, etc. By being executed, it is possible to implement a user device, a service providing device, a POS terminal, and a payment system including the same.

The information storage medium includes a magnetic recording medium, an optical recording medium and a carrier wave medium. A user device, a service providing device, a POS terminal, and a computer program implementing a payment system including the same according to an embodiment of the present invention are stored and installed in the internal memory of the user device, beacon, service providing device, POS terminal, payment server, etc. can be Alternatively, an external memory such as a smart card storing and installing a computer program implementing a user device, a service providing device, a POS terminal, and a payment system including the user device according to an embodiment of the present invention and the user device, a beacon, a service through an interface It may be mounted on a providing device, a POS terminal, a payment server, or the like.

As described above, in the embodiment of the present invention, it is possible to recommend a reasonable payment method in consideration of both benefits and achievements in one or more credit cards, cash cards, point cards, coupons, discount coupons, etc. registered in the user device, and the user can improve the convenience of

In addition, as described above, the embodiment of the present invention performs a plurality of PIN number input for simple payment process through a single user interface when performing a card division payment for a payment amount, thereby causing substantial payment time or inconvenience. It is possible to increase the user's satisfaction by preventing this from being weighted.

In addition, as described above, the embodiment of the present invention is configured to input a plurality of PIN numbers at once through a preset connection character when inputting a plurality of PIN numbers for simple payment, so that the entire system for simple payment It is possible to improve operating efficiency and improve user convenience.

Those of ordinary skill in the art to which the present invention pertains may modify and modify the above-described contents without departing from the essential characteristics of the present invention. Therefore, 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 equivalent range should be construed as being included in the scope of the present invention.

The present invention provides a split payment function in consideration of both benefits and achievements in one or more credit cards, cash cards, point cards, coupons, discount coupons, etc. registered in the user device, and by inputting a plurality of PIN numbers for simple payment Simple payment field, advertisement field, and service that can be performed through the user interface of It can be widely used in the field of a providing device, a field of a user device, a field of a POS terminal, a field of a payment server, and the like.

10: payment system 100: user device
200: beacon 300: service providing device
400: POS terminal 500: payment server
110: user device communication unit 120: user device storage unit
130: user equipment display unit 140: user equipment audio output unit
150: user device control unit

Claims (8)

a communication unit for receiving the total payment amount and benefit information for one or more products to be paid from the POS terminal or the service providing device; and
Preset payment schedule information for regularly expended expenses, performance request amount per card for a plurality of pre-registered cards, pre-set payment priority information for each card, total payment scheduled amount transmitted from the POS terminal or service providing device and selecting one or more cards from among the plurality of cards registered in advance based on the benefit information, receiving one or more PIN numbers according to a user input, the selected one or more payment card types, one or more payment card types PIN numbers for each type, Card information corresponding to the one or more types of payment cards through the POS terminal or the service providing device that interworks with a payment server by transmitting payment amount information for each card and identification information of the user device to the POS terminal or the service providing device , A control unit for performing a payment function for a payment amount corresponding to the one or more product information to be paid based on the user information and benefit information, the PIN number for each type of one or more payment cards, and the payment amount information for each card,
The controller is configured to determine whether to pay in installments for the total payment amount based on a performance requirement amount of a specific card selected from among the plurality of cards. The method of claim 1,
The installment payment is processed based on the performance request amount for each card in addition to the specific card among the plurality of cards. The method of claim 1,
The divided payment is a user device, characterized in that, based on the payment priority information for each card, one or more additional cards for which performance is required are selected and processed according to the priority. The method of claim 1,
The user device, characterized in that the installment payment is processed to include one or more additional cards. A method for controlling a user device, comprising:
Receiving the total payment amount and benefit information for one or more products to be paid from the POS terminal or the service providing device;
Preset payment schedule information for regularly expended expenses, performance request amount per card for a plurality of pre-registered cards, pre-set payment priority information for each card, total expected payment amount transmitted from the POS terminal or service providing device and selecting one or more cards from among the plurality of pre-registered cards based on the benefit information. and
Receives one or more PIN numbers according to user input, and transmits the selected one or more payment card types, PIN numbers for each one or more payment card types, payment amount information for each card, and identification information of the user device to the POS terminal or the service providing device Card information, user information, and benefit information corresponding to the one or more payment card types, PIN numbers for each payment card type, and payment amount for each card through the POS terminal or the service providing device interworking with a payment server Comprising the step of performing a payment function for the payment amount corresponding to the one or more product information to be paid based on the information,
The step of selecting one or more cards from among the plurality of cards registered in advance,
Control of the user device, characterized in that the method further comprises the step of determining whether to pay the total payment amount in installments based on the total amount of the scheduled payment exceeding the performance required amount of a specific card selected from among the plurality of cards. Way. 6. The method of claim 5,
The method of controlling the user device, characterized in that the divided payment is processed based on the performance request amount for each card in addition to the specific card among the plurality of cards. 6. The method of claim 5,
The divided payment is a control method of a user device, characterized in that, based on the payment priority information for each card, one or more additional cards for which performance is required are selected and processed according to the priority. 6. The method of claim 5,
The method of controlling a user device, characterized in that the installment payment is processed to include one or more additional cards.

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