KR20220170478A - Simple payment method obtaining variable payment information using a fixed code - Google Patents

Abstract

In a simple payment method that acquires variable payment information with a fixed code, an affiliated store terminal transmits payment information including affiliated store identification information to a simple payment server. The simple payment server stores payment information, and a customer terminal receives a selection input for the payment method. The affiliate identification information is acquired by reading affiliate tags. A payment request containing merchant identification information and payment method information is transmitted to the simple payment server, and the simple payment server matches the payment request and payment information. The payment is processed based on payment information and payment method information. Accordingly, even if an affiliated store does not have a separate tag reader and a customer does not enter a payment amount directly, simple payment in the merchant presentation mode or simple payment by acquiring variable payment information with a fixed code can be carried out efficiently and safely.

Description

A simple payment method that acquires variable payment information with a fixed code {SIMPLE PAYMENT METHOD OBTAINING VARIABLE PAYMENT INFORMATION USING A FIXED CODE}

The present invention relates to a payment method, and more particularly, to a simple payment method for acquiring variable payment information with a fixed code.

Recently, a simple payment service in which a customer makes a payment using a Near Field Communication (NFC) tag or a Quick Response (QR) code is widely used even if a customer does not have a credit card or the like. In the simple payment service using such an NFC tag or QR code, a customer presents a tag (eg, the NFC tag or the QR code), and the merchant reads the tag to proceed with payment Mode (CPM) payment method and Merchant Presented Mode (MPM) payment method in which an affiliated store presents a tag and a customer reads the tag to proceed with payment.

On the other hand, since the CPM payment method requires the affiliated store to have a separate reader (for example, an NFC reader or a QR scanner) for reading the tag, there is a problem incurring additional costs from the affiliated store's point of view.

In contrast, the MPM payment method has an advantage in that the service can be provided at a lower cost from the point of view of the affiliate since the affiliate store only needs to provide the tag. However, in the current MPM payment method, after the customer reads the tag (eg, scans the QR code), the customer must directly input the payment amount into the customer's smartphone. Accordingly, in the current MPM payment method, there is a problem in that the merchant must directly look at the customer's smartphone or install a separate app to check the payment amount or payment details.

One object of the present invention is to provide a simple payment method that obtains variable payment information with a fixed code that allows merchants to proceed with simple payment even if the merchant does not have a separate tag reader and the customer does not directly input the payment amount. will be.

However, the object of the present invention is not limited to the above objects, and may be expanded in various ways without departing from the spirit and scope of the present invention.

In order to achieve one object of the present invention, in a simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention, an affiliated store terminal of an affiliated store includes affiliated store identification information of the affiliated store in a simple payment server transmits payment information, the simple payment server stores the payment information, the customer terminal of the customer receives a selection input for the payment method from the customer, and the customer terminal reads the affiliate store tag disposed in the affiliate store to obtain the affiliated store identification information of the affiliated store, and the customer terminal transmits a payment request including the affiliated store identification information and payment method information for the payment method to the simple payment server, and the simple payment server Matching the payment request and the payment information by searching for the merchant identification information of the payment information received from the merchant terminal in response to the merchant identification information of the payment request received from the customer terminal, and matching the payment request When the payment information exists, the simple payment server proceeds with payment processing based on the payment information and the payment method information.

In one embodiment, the affiliated store tag may be a Near Field Communication (NFC) tag or a Quick Response (QR) code.

In one embodiment, the payment information transmitted to the simple payment server by the affiliated store terminal may further include at least one of payment amount information, payment product information, and product quantity information.

In one embodiment, when the customer terminal receives the selection input for the payment method, the customer terminal may perform identity authentication for the customer.

In one embodiment, the payment method information may include card information or account information of the customer.

In one embodiment, when the payment information matching the payment request does not exist, the simple payment server may transmit a failure response to the customer terminal.

In one embodiment, when the payment processing is completed, the simple payment server may transmit payment result information to each of the customer terminal and the affiliated store terminal.

In one embodiment, the customer terminal may display the payment result information received from the simple payment server on the screen of the customer terminal.

In one embodiment, the affiliated store terminal displays the payment result information received from the simple payment server on the screen of the affiliated store terminal, and the affiliated store terminal receives a receipt in response to the payment result information received from the simple payment server can be printed out.

In one embodiment, the payment information waiting time from the point in time when the simple payment server stores the payment information is counted, and when the payment request and the payment information are matched, the payment information waiting time of the payment information is the criterion It is determined whether the waiting time is less than or equal to, and when the payment information waiting time exceeds the reference waiting time, the simple payment server may transmit a failure response to the customer terminal.

In one embodiment, the payment request that matches the payment information until the payment information waiting time from the point in time when the simple payment server stores the payment information is counted, and the payment information waiting time exceeds the standard waiting time. If not received, the simple payment server may transmit a failure response to the affiliated store terminal.

In order to achieve one object of the present invention, in a simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention, an affiliated store terminal of an affiliated store includes affiliated store identification information of the affiliated store in a simple payment server transmits payment information, the simple payment server stores the payment information, a customer terminal of a customer reads an affiliated store tag disposed in the affiliated store to acquire the affiliated store identification information of the affiliated store, and the customer terminal obtains the affiliated store identification information of the affiliated store. The payment information received from the affiliated store terminal in response to the payment information request including the affiliated store identification information to the simple payment server, and the simple payment server responding to the affiliated store identification information of the payment information request received from the customer terminal Matching the payment information request with the payment information by searching for the member store identification information of, the simple payment server transmits the payment information matched with the payment information request to the customer terminal, and the customer terminal receives information from the customer Receives a selection input for a payment method, and the customer terminal transmits a payment request including the member store identification information and payment method information for the payment method to the simple payment server, and the simple payment server transmits the payment request to the customer terminal Matching the payment request and the payment information by searching for the merchant identification information of the payment information received from the merchant terminal in response to the merchant identification information of the payment request received from, and the payment matching the payment request If the information exists, the simple payment server proceeds with payment processing based on the payment information and the payment method information.

In one embodiment, the affiliated store tag may be a Near Field Communication (NFC) tag or a Quick Response (QR) code.

In one embodiment, the payment information transmitted to the simple payment server by the affiliated store terminal may further include at least one of payment amount information, payment product information, and product quantity information.

In one embodiment, when the customer terminal receives the selection input for the payment method, the customer terminal may perform identity authentication for the customer.

In one embodiment, the payment method information may include card information or account information of the customer.

In one embodiment, when the payment information matching the payment request does not exist, the simple payment server may transmit a failure response to the customer terminal.

In one embodiment, when the payment processing is completed, the simple payment server may transmit payment result information to each of the customer terminal and the affiliated store terminal.

In one embodiment, the customer terminal may display the payment result information received from the simple payment server on the screen of the customer terminal.

In one embodiment, the affiliated store terminal displays the payment result information received from the simple payment server on the screen of the affiliated store terminal, and the affiliated store terminal receives a receipt in response to the payment result information received from the simple payment server can be printed out.

In one embodiment, the payment information waiting time from the point in time when the simple payment server stores the payment information is counted, and when the payment information request and the payment information are matched, the payment information waiting time of the payment information It is determined whether the waiting time is less than or equal to a first reference waiting time, and when the waiting time for the payment information exceeds the first reference waiting time, the simple payment server may transmit a failure response to the customer terminal.

In one embodiment, the payment information waiting time from the point of time when the simple payment server stores the payment information is counted, and when the payment request and the payment information are matched, the payment information waiting time of the payment information is 2 It is determined whether the reference waiting time or less, and when the payment information waiting time exceeds the second reference waiting time, the simple payment server may transmit a failure response to the customer terminal.

In one embodiment, the simple payment server counts a waiting time for payment information from a point in time when the payment information is stored, and matches the payment information until the waiting time for the payment information exceeds a first standard waiting time. If the payment information request is not received, the simple payment server may transmit a failure response to the affiliated store terminal.

In one embodiment, the payment information waiting time is counted from the time the payment information is stored by the simple payment server, and the payment information is matched to the payment information until the payment information waiting time exceeds the second standard waiting time. If the payment request is not received, the simple payment server may transmit a failure response to the affiliated store terminal.

In order to achieve one object of the present invention, in a simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention, an affiliated store terminal of an affiliated store includes affiliated store identification information of the affiliated store in a simple payment server transmits payment information, the simple payment server stores the payment information, a customer terminal of a customer reads an affiliated store tag disposed in the affiliated store to acquire the affiliated store identification information of the affiliated store, and the customer terminal obtains the affiliated store identification information of the affiliated store. The payment information received from the affiliated store terminal in response to the payment information request including the affiliated store identification information to the simple payment server, and the simple payment server responding to the affiliated store identification information of the payment information request received from the customer terminal Matching the payment information request with the payment information by searching for the member store identification information of, the simple payment server transmits the payment information matched with the payment information request to the customer terminal, and the customer terminal receives information from the customer Receives a selection input for a payment method, the customer terminal transmits a payment request including the payment information and payment method information for the payment method to the simple payment server, and the simple payment server transmits the payment information and Payment processing is performed based on the payment method information.

A simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention is a merchant presented mode (Merchant Presented Mode; MPM) simple payment, or simple payment that acquires variable payment information with a fixed code, can be made efficiently and safely.

However, the effects of the present invention are not limited to the above effects, and may be expanded in various ways without departing from the spirit and scope of the present invention.

1 is a diagram illustrating a simple payment system for obtaining variable payment information with a fixed code, performing a simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention.
2 is a flowchart illustrating a simple payment method for acquiring variable payment information with a fixed code according to an embodiment of the present invention.
3 is a diagram showing an example of screens of a customer terminal while a simple payment method of obtaining variable payment information with a fixed code according to an embodiment of the present invention is being performed.
4 is a flowchart illustrating a simple payment method for acquiring variable payment information with a fixed code according to another embodiment of the present invention.
5 is a diagram showing an example of screens of a customer terminal while a simple payment method of obtaining variable payment information with a fixed code according to another embodiment of the present invention is being performed.
6 is a flowchart illustrating a simple payment method of obtaining variable payment information with a fixed code according to another embodiment of the present invention.

For the embodiments of the present invention disclosed in the text, specific structural or functional descriptions are only exemplified for the purpose of explaining the embodiments of the present invention, and the embodiments of the present invention may be implemented in various forms and the text It should not be construed as being limited to the embodiments described above.

Since the present invention can have various changes and various forms, specific embodiments will be illustrated in the drawings and described in detail in the text. However, this is not intended to limit the present invention to a specific form disclosed, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.

Terms such as first and second may be used to describe various components, but the components should not be limited by the terms. The terms may be used for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first element may be termed a second element, and similarly, the second element may also be termed a first element.

It is understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle. It should be. On the other hand, when a component is referred to as “directly connected” or “directly connected” to another component, it should be understood that no other component exists in the middle. Other expressions describing the relationship between components, such as "between" and "directly between" or "adjacent to" and "directly adjacent to", etc., should be interpreted similarly.

Terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, terms such as "comprise" or "having" are intended to indicate that the described feature, number, step, operation, component, part, or combination thereof exists, but that one or more other features or numbers are present. However, it should be understood that it does not preclude the presence or addition of steps, operations, components, parts, or combinations thereof.

In addition, terms such as “~ unit” described in the text refer to a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in this application, they are not interpreted in an ideal or excessively formal meaning. .

Hereinafter, embodiments of the present invention will be described in more detail with reference to the accompanying drawings. The same or similar reference numerals are used for like elements in the drawings.

1 is a diagram showing a simple payment system for obtaining variable payment information with a fixed code, performing a simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention. FIG. It is a flow chart showing a simple payment method for acquiring variable payment information with a fixed code according to an embodiment of the present invention, and FIG. 3 is a simple payment method for acquiring variable payment information with a fixed code according to an embodiment of the present invention. It is a diagram showing an example of screens of a customer terminal during execution.

Referring to FIG. 1 , a simple payment system for performing a simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention (eg, simple payment for acquiring variable payment information with a fixed code) System) may include an affiliated store terminal 110 and an affiliated store tag 120 disposed in an affiliated store, a customer terminal 130 possessed by a customer, a simple payment server 150, and a financial company server 170.

The affiliated store terminal 110 is a device located in an offline affiliated store, and may be, for example, a Point Of Sales (POS) terminal, a credit inquiry terminal (CAT), a kiosk, etc., but is not limited thereto.

As shown in FIG. 1 , the affiliated store tag 120 may be a Near Field Communication (NFC) tag or a Quick Response (QR) code in which affiliated store identification information of the affiliated store is recorded, but is not limited thereto. Also, the affiliated store identification information recorded in the affiliated store tag 120 may have an arbitrary format such as a number format, a text format, a URL format, or an encrypted format, and may be information capable of identifying the affiliated store.

The customer terminal 130 is any device possessed by the customer, and may be a device capable of reading the affiliated store tag 120 (eg, NFC tag reading or QR code recognition). For example, the customer terminal 130 may be a smart phone or a tablet computer, but is not limited thereto.

The simple payment server 150 manages the affiliated store, receives a payment request requested from the customer through the customer terminal 130, and performs payment processing corresponding to the payment request together with the financial company server 170 there is. For example, the simple payment server 150 may be a relay server or a Value Added Network (VAN) server that transmits a payment approval request to the financial company server 170, but is not limited thereto.

The financial institution server 170 may perform the payment processing corresponding to the payment approval request message received from the simple payment server 150 . For example, the financial company server 170 may be a card company server or a bank server, but is not limited thereto.

Referring to FIGS. 1 and 2 , in a simple payment method for obtaining variable payment information with a fixed code according to an embodiment of the present invention, the affiliate store sends the affiliate store terminal 110 a payment amount, payment product, and/or product Upon inputting the quantity (S205), the affiliated store terminal 110 of the affiliated store may transmit payment information including the affiliated store identification information of the affiliated store to the simple payment server 150 (S210). In one embodiment, the payment information transmitted from the affiliated store terminal 110 to the simple payment server 150 may further include at least one of payment amount information, payment product information, and product quantity information as well as the affiliated store identification information. can For example, when the affiliated store terminal 110 is a Point Of Sales (POS) terminal, the affiliated store inputs product selection and quantity of products to be paid to the POS terminal, and the POS terminal is a simple payment server 150 ), as the payment information, payment product information, product quantity information, etc. may be transmitted together with the member store identification information. In another example, when the affiliated store terminal 110 is a credit inquiry terminal (Credit Authorization Terminal; CAT), the affiliated store inputs the amount to be paid to the credit inquiry terminal, and the credit inquiry terminal sends the simple payment server 150 , As the payment information, payment amount information may be transmitted together with the member store identification information.

The simple payment server 150 stores, registers, and manages the payment information received from the affiliated store terminal 110 (S215), and transmits a payment information registration response informing the affiliated store terminal 110 that the payment information has been stored or registered. It can (S220). The affiliated store terminal 110 may wait for a payment result in response to the payment information registration response (S225).

The customer terminal 130 of the customer may receive a selection input for a payment method from the customer (S230). For example, as shown in FIG. 3, the customer terminal 130 displays a screen 310 for selecting a payment method including “credit card”, “simple payment”, “account transfer”, “mobile payment”, and the like. ), and the customer selects a desired payment method on the screen 310 of the customer terminal 130, so that the customer terminal 130 can receive the selection input for the payment method from the customer.

In one embodiment, when the customer terminal 130 receives the selection input for the payment method, the customer terminal 130 may perform identity authentication for the customer. For example, the customer terminal 130, when the customer selects a desired payment method on the screen 310 of the customer terminal 130, receives a password, compares the input password with the previously stored password, You can perform identity verification. In another example, the customer terminal 130, when the customer selects a desired payment method on the screen 310 of the customer terminal 130, biometrics of the customer, for example, fingerprint recognition, iris recognition, etc. You can perform identity verification.

The customer terminal 130 may acquire the affiliate store identification information of the affiliate store by reading the affiliate store tag 120 disposed in the affiliate store (S235). For example, as shown in FIG. 3, the affiliated store tag 120 is the NFC tag 122 on which the affiliated store identification information is recorded, and the customer terminal 130 displays a screen requesting reading of the NFC tag 122 ( 320), and the customer terminal 130 may acquire the affiliate store identification information of the affiliate store by reading the NFC tag 122. In another example, as shown in FIG. 3, the affiliated store tag 120 is the QR code 124 in which the affiliated store identification information is recorded, and the customer terminal 130 displays a screen requesting recognition of the QR code 124 ( 330) is displayed, and the customer terminal 130 recognizes the QR code 124 to obtain the affiliated store identification information of the affiliated store.

The customer terminal 130 may transmit a payment request including the member store identification information and payment method information for the payment method to the simple payment server 150 (S240). In one embodiment, the payment method information may include card information or account information of the customer, but is not limited thereto. For example, the payment method information, as the card information, may include a card number, a card expiration date, etc., but is not limited thereto. In another example, the payment method information, as the account information, may include an account number, but is not limited thereto.

The simple payment server 150 may match the payment request and the payment information in response to the payment request received from the customer terminal 130 (S245). For example, the simple payment server 150 responds to the affiliated store identification information of the payment request received from the customer terminal 130 by searching for the affiliated store identification information of the payment information received and stored from the affiliated store terminal 110 The payment request and the payment information may be matched.

If the payment information matching the payment request does not exist, the simple payment server 150 may transmit a failure response indicating that there is no payment information matching the payment request to the customer terminal 130 (S250). .

In one embodiment, the simple payment server 150 counts the payment information waiting time from the point in time of storing the payment information, and when the payment request and the payment information match, the payment information waiting time of the payment information. It may be determined whether or not the waiting time is equal to or less than the reference waiting time (RWT). When the payment information waiting time exceeds the standard waiting time (RWT), the simple payment server 150 may transmit a failure response indicating timeout to the customer terminal 130 (S250).

In addition, in one embodiment, the simple payment server 150 counts the payment information waiting time from the point of storing the payment information, and the payment until the payment information waiting time exceeds the standard waiting time (RWT). If the payment request matching the information is not received, a failure response indicating timeout may be transmitted to the affiliated store terminal 110 (S255). In one embodiment, when the payment information waiting time of the payment information exceeds the standard waiting time (RWT), the simple payment server 150 may delete the payment information, but is not limited thereto. In another embodiment, when the payment information waiting time of the payment information exceeds the reference waiting time (RWT), the simple payment server 150 indicates that the payment information has timed out and failed, and records the payment information. can be stored.

When the payment information matching the payment request exists and the payment request and the payment information are matched within the standard waiting time (RWT), the simple payment server 150 based on the payment information and the payment method information Payment processing may be performed together with the financial company server 170 (S265 and S270). For example, the simple payment server 150 transmits a payment approval request message generated based on the payment information and the payment method information to the financial company server 170 (S265), and the financial company server 170 sends the simple payment server The payment processing corresponding to the full text of the payment approval request received from (150) is performed, and when the payment processing is completed, payment result information for the payment processing may be transmitted to the simple payment server 150 (S270). .

When the payment processing is completed, the simple payment server 150 may transmit payment result information to each of the customer terminal 130 and the affiliated store terminal 110 based on the payment result information received from the financial company server 170 ( S275, S285). For example, the payment result information may indicate success or failure of the payment process. In addition, for example, if the payment processing based on the customer's card is successful, the payment result information may include, but is not limited to, the card name, card number, member store name, payment amount, and payment date and time.

The customer terminal 130 may receive the payment result information from the simple payment server 150 (S275), and display the payment result information received from the simple payment server 150 on the screen of the customer terminal 130. (S280). For example, as shown in FIG. 3 , the customer terminal 130 may display a screen 350 including card name, card number, merchant name, payment amount, payment date and time, etc., but is not limited thereto.

The affiliated store terminal 110 may receive the payment result information from the simple payment server 150 (S285), and display the payment result information received from the simple payment server 150 on the screen of the affiliated store terminal 110. (S290). In addition, in one embodiment, the affiliated store terminal 110 may further output a receipt indicating the payment result information in response to the payment result information received from the simple payment server 150 (S295).

On the other hand, in a Customer Presented Mode (CPM) payment method in which a customer presents a tag and an affiliated store reads the tag to proceed with payment, an affiliated store uses a separate reader (eg, NFC reader) to read the tag or QR scanner), there is a problem in that additional costs are borne by the affiliated store. However, in the simple payment method of obtaining variable payment information with a fixed code according to embodiments of the present invention, since the affiliate store does not need to purchase a separate reader and only needs to provide the affiliate store tag 120, the affiliate store It has the advantage of being able to provide services at a lower cost.

In addition, in the conventional Merchant Presented Mode (MPM) payment method, after the customer reads the tag, the customer must directly input the payment amount into the customer's smartphone. Accordingly, in the conventional MPM payment method, there is a problem in that the merchant must directly view the customer's smartphone or install a separate app to check the payment amount or payment details. However, in the simple payment method of obtaining variable payment information with a fixed code according to embodiments of the present invention, the affiliate store inputs payment information to the affiliate store terminal 110, and the affiliate store terminal 110 and the customer terminal 130 ) can check the payment amount or payment details.

That is, in the simple payment method of acquiring variable payment information with a fixed code according to embodiments of the present invention, even if the affiliate does not have a separate tag reader and the customer does not directly input the payment amount, the fixed code ( For example, it is possible to efficiently and safely perform simple payment by acquiring variable payment information (eg, payment information that changes for each payment) with the affiliated store tag 120 fixed for each affiliated store.

4 is a flow chart showing a simple payment method for acquiring variable payment information with a fixed code according to another embodiment of the present invention, and FIG. 5 is a flow chart for obtaining variable payment information with a fixed code according to another embodiment of the present invention. It is a diagram showing an example of screens of a customer terminal while a simple payment method is being performed.

Referring to FIG. 4 , in a simple payment method for obtaining variable payment information with a fixed code according to another embodiment of the present invention, when an affiliated store inputs a payment amount, payment product, and/or product quantity into the affiliated store terminal 110 (S405), the affiliated store terminal 110 of the affiliated store may transmit payment information including the affiliated store identification information of the affiliated store to the simple payment server 150 (S410).

The simple payment server 150 stores, registers, and manages the payment information received from the affiliated store terminal 110 (S415), and transmits a payment information registration response notifying the affiliated store terminal 110 that the payment information has been stored or registered. It can (S420). The affiliated store terminal 110 may wait for a payment result in response to the payment information registration response (S425).

The customer terminal 130 may obtain the affiliate store identification information of the affiliate store by reading the affiliate store tag 120 disposed in the affiliate store (S430). For example, as shown in FIG. 5, the affiliated store tag 120 may be an NFC tag 122 or a QR code 124 in which the affiliated store identification information is recorded, and the customer terminal 130 is an NFC tag 122 ) or the affiliate store identification information of the affiliate store by reading the QR code 124.

When the affiliated store tag 120 is read, the customer terminal 130 may transmit a payment information request including the affiliated store identification information to the simple payment server 150 (S435). The simple payment server 150 may match the payment information request with the payment information in response to the payment information request received from the customer terminal 130 (S440). For example, the simple payment server 150 searches for the affiliated store identification information of the payment information received and stored from the affiliated store terminal 110 in response to the affiliated store identification information of the payment information request received from the customer terminal 130 By doing so, the request for payment information and the payment information can be matched. If the payment information matching the payment information request does not exist, the simple payment server 150 may transmit a failure response indicating that there is no payment information matching the payment information request to the customer terminal 130 ( S462).

In one embodiment, the simple payment server 150 counts a waiting time for the payment information from the time of storing the payment information, and when the payment approval request and the payment information are matched, the payment information of the payment information is waiting. It may be determined whether the time is equal to or less than the first reference waiting time RWT1. When the payment information waiting time exceeds the first reference waiting time (RWT1), the simple payment server 150 may transmit a failure response indicating timeout to the customer terminal 130 (S462). In addition, in one embodiment, when the payment information request that matches the payment information is not received until the first standard waiting time (RWT1) for waiting for the payment information is exceeded, the simple payment server 150 is an affiliated store terminal ( 110) may transmit a failure response indicating timeout (S464).

When the payment information matching the payment information request exists and the payment information request and the payment information are matched within the first reference waiting time (RWT1), the simple payment server 150 sends the payment information to the customer terminal 130. The payment information matched with the payment information request may be transmitted (S445).

After receiving the payment information from the simple payment server 150, the customer terminal 130 may receive a selection input for a payment method from the customer (S450). For example, as shown in FIG. 5, the customer terminal 130, together with the payment information (including order details) received from the simple payment server 150, "credit card", "simple payment" By displaying a screen 510 for selecting a payment method including “account transfer”, “mobile payment”, etc., and selecting a payment method desired by the customer on the screen 510 of the customer terminal 130, the customer The terminal 130 may receive the selection input for the payment method from the customer. In one embodiment, when the customer terminal 130 receives the selection input for the payment method, the customer terminal 130 may perform identity authentication for the customer.

The customer terminal 130 may transmit a payment request including the merchant identification information and payment method information for the payment method to the simple payment server 150 (S455). In one embodiment, the payment method information may include card information or account information of the customer, but is not limited thereto.

The simple payment server 150 may match the payment request and the payment information in response to the payment request received from the customer terminal 130 (S460). For example, the simple payment server 150 responds to the affiliated store identification information of the payment request received from the customer terminal 130 by searching for the affiliated store identification information of the payment information received and stored from the affiliated store terminal 110 The payment request and the payment information may be matched.

If the payment information matching the payment request does not exist, the simple payment server 150 may transmit a failure response indicating that there is no payment information matching the payment request to the customer terminal 130 (S462). .

In one embodiment, the simple payment server 150 counts the payment information waiting time from the point in time of storing the payment information, and when the payment request and the payment information match, the payment information waiting time of the payment information. It may be determined whether or not the second reference waiting time RWT2 is less. When the payment information waiting time exceeds the second reference waiting time (RWT2), the simple payment server 150 may transmit a failure response indicating timeout to the customer terminal 130 (S462). In addition, in one embodiment, when the payment request matching the payment information is not received until the payment information waiting time exceeds the second reference waiting time (RWT2), the simple payment server 150 is an affiliated store terminal A failure response indicating timeout may be transmitted to (110) (S464).

When the payment information matching the payment request exists and the payment request and the payment information are matched within the second reference waiting time (RWT2), the simple payment server 150 determines the payment information and the payment method information. Based on this, payment processing may be performed together with the financial company server 170 (S465 and S470). For example, the simple payment server 150 transmits a payment approval request message generated based on the payment information and the payment method information to the financial company server 170 (S465), and the financial company server 170 sends the simple payment server The payment processing corresponding to the full text of the payment approval request received from (150) is performed, and when the payment processing is completed, payment result information for the payment processing may be transmitted to the simple payment server 150 (S470). .

When the payment processing is completed, the simple payment server 150 may transmit payment result information to each of the customer terminal 130 and the affiliated store terminal 110 based on the payment result information received from the financial company server 170 (S475 , S485). The customer terminal 130 may receive the payment result information from the simple payment server 150 (S475), and display the payment result information received from the simple payment server 150 on the screen of the customer terminal 130. (S480). The affiliated store terminal 110 may receive the payment result information from the simple payment server 150 (S485), and display the payment result information received from the simple payment server 150 on the screen of the affiliated store terminal 110. (S490). In addition, in one embodiment, the affiliated store terminal 110 may further output a receipt indicating the payment result information in response to the payment result information received from the simple payment server 150 (S495).

As described above, in the simple payment method of obtaining variable payment information with a fixed code according to embodiments of the present invention, even if the affiliate store does not have a separate tag reader and the customer does not directly input the payment amount, Simple payment that acquires variable payment information with a fixed code can be performed efficiently and safely.

6 is a flowchart illustrating a simple payment method of obtaining variable payment information with a fixed code according to another embodiment of the present invention.

In the simple payment method of acquiring variable payment information with the fixed code of FIG. 6, the customer terminal 130 transmits a payment request including payment information and payment method information to the simple payment server 150 (S655), and A simple payment method for obtaining flexible payment information with the fixed code of FIG. 4 except for the payment server 150 to proceed with payment processing based on the payment information and the payment method information of the payment request (S665). may be substantially the same as

Referring to FIG. 6 , in a simple payment method for acquiring variable payment information with a fixed code according to another embodiment of the present invention, an affiliated store inputs a payment amount, payment product, and/or product quantity to the affiliated store terminal 110 If (S405), the affiliated store terminal 110 of the affiliated store may transmit payment information including the affiliated store identification information of the affiliated store to the simple payment server 150 (S410). The simple payment server 150 stores, registers, and manages the payment information received from the affiliated store terminal 110 (S415), and transmits a payment information registration response notifying the affiliated store terminal 110 that the payment information has been stored or registered. It can (S420). The affiliated store terminal 110 may wait for a payment result in response to the payment information registration response (S425).

The customer terminal 130 may obtain the affiliate store identification information of the affiliate store by reading the affiliate store tag 120 disposed in the affiliate store (S430). When the affiliated store tag 120 is read, the customer terminal 130 may transmit a payment information request including the affiliated store identification information to the simple payment server 150 (S435). The simple payment server 150 may match the payment information request with the payment information in response to the payment information request received from the customer terminal 130 (S440). When the payment information matching the payment information request exists and the payment information request and the payment information are matched within the first reference waiting time (RWT1), the simple payment server 150 sends the payment information to the customer terminal 130. The payment information matched with the payment information request may be transmitted (S445).

After receiving the payment information from the simple payment server 150, the customer terminal 130 may receive a selection input for a payment method from the customer (S450). In one embodiment, when the customer terminal 130 receives the selection input for the payment method, the customer terminal 130 may perform identity authentication for the customer.

The customer terminal 130 may transmit a payment request including the payment information and payment method information for the payment method to the simple payment server 150 (S655). The simple payment server 150 may proceed with payment processing together with the financial company server 170 based on the payment information and the payment method information of the payment request (S665 and S470). For example, the simple payment server 150 transmits a payment approval request message generated based on the payment information and the payment method information to the financial company server 170 (S665), and the financial company server 170 sends the simple payment server The payment processing corresponding to the full text of the payment approval request received from (150) is performed, and when the payment processing is completed, payment result information for the payment processing may be transmitted to the simple payment server 150 (S470). .

When the payment processing is completed, the simple payment server 150 may transmit payment result information to each of the customer terminal 130 and the affiliated store terminal 110 based on the payment result information received from the financial company server 170 (S475 , S485). The customer terminal 130 may receive the payment result information from the simple payment server 150 (S475), and display the payment result information received from the simple payment server 150 on the screen of the customer terminal 130. (S480). The affiliated store terminal 110 may receive the payment result information from the simple payment server 150 (S485), and display the payment result information received from the simple payment server 150 on the screen of the affiliated store terminal 110. (S490). In addition, in one embodiment, the affiliated store terminal 110 may further output a receipt indicating the payment result information in response to the payment result information received from the simple payment server 150 (S495).

As described above, in the simple payment method of obtaining variable payment information with a fixed code according to embodiments of the present invention, even if the affiliate store does not have a separate tag reader and the customer does not directly input the payment amount, Simple payment that acquires variable payment information with a fixed code can be performed efficiently and safely.

In the above, a simple payment method for obtaining variable payment information with a fixed code according to embodiments of the present invention has been described with reference to the drawings, but the above description is exemplary and the corresponding technology is provided within the scope of the technical spirit of the present invention. It may be modified and changed by those skilled in the art.

The present invention can be applied to simple payment. Although the above has been described with reference to the embodiments of the present invention, those skilled in the art will variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the claims below. You will understand that it can be done.

110: Merchant terminal
120 Merchant tag
130: customer terminal
150: easy payment server
170: financial company server

Claims (25)

Transmitting, by an affiliated store terminal, payment information including affiliated store identification information of the affiliated store to a simple payment server;
The simple payment server storing the payment information;
receiving, by a customer terminal of a customer, a selection input for a payment method from the customer;
acquiring, by the customer terminal, the affiliated store identification information of the affiliated store by reading an affiliated store tag disposed in the affiliated store;
Transmitting, by the customer terminal, a payment request including the member store identification information and payment method information for the payment method to the simple payment server;
Matching the payment request and the payment information by the simple payment server searching for the merchant identification information of the payment information received from the merchant terminal in response to the merchant identification information of the payment request received from the customer terminal ; and
If the payment information matching the payment request exists, the simple payment server proceeds with payment processing based on the payment information and the payment method information. Payment Method.
The simple payment method of claim 1, wherein the affiliated store tag is a Near Field Communication (NFC) tag or a Quick Response (QR) code. The variable payment information as a fixed code according to claim 1, wherein the payment information transmitted by the affiliated store terminal to the simple payment server further includes at least one of payment amount information, payment product information, and product quantity information. Easy payment method to acquire. The method of claim 1, wherein the receiving of the selection input for the payment method by the customer terminal comprises:
A simple payment method for obtaining variable payment information with a fixed code, comprising the step of performing identity authentication for the customer by the customer terminal. The simple payment method of claim 1, wherein the payment method information includes card information or account information of the customer. According to claim 1,
When the payment information matching the payment request does not exist, the simple payment server transmitting a failure response to the customer terminal. method. According to claim 1,
When the payment processing is completed, the simple payment server transmits payment result information to each of the customer terminal and the affiliated store terminal. According to claim 7,
The simple payment method of obtaining variable payment information with a fixed code, characterized in that it further comprises the step of displaying, by the customer terminal, the payment result information received from the simple payment server on the screen of the customer terminal. According to claim 7,
displaying, by the affiliated store terminal, the payment result information received from the simple payment server on a screen of the affiliated store terminal; and
The simple payment method of acquiring variable payment information with a fixed code, characterized in that it further comprises the step of outputting a receipt in response to the payment result information received from the simple payment server by the affiliated store terminal. According to claim 1,
counting a waiting time for payment information from a point in time when the simple payment server stores the payment information;
determining whether the payment information waiting time of the payment information is equal to or less than a reference waiting time when the payment request and the payment information match; and
When the payment information waiting time exceeds the reference waiting time, the simple payment server transmitting a failure response to the customer terminal. method. According to claim 1,
counting a waiting time for payment information from a point in time when the simple payment server stores the payment information; and
When the payment request matching the payment information is not received until the payment information waiting time exceeds the reference waiting time, the easy payment server transmits a failure response to the affiliated store terminal. A simple payment method that acquires variable payment information with a fixed code. Transmitting, by an affiliated store terminal, payment information including affiliated store identification information of the affiliated store to a simple payment server;
The simple payment server storing the payment information;
acquiring the affiliated store identification information of the affiliated store by reading an affiliated store tag disposed in the affiliated store by a customer terminal of the customer;
Transmitting, by the customer terminal, a payment information request including the merchant identification information to the simple payment server;
Matching the payment information request with the payment information by the simple payment server searching for the merchant identification information of the payment information received from the merchant terminal in response to the merchant identification information of the payment information request received from the customer terminal doing;
Transmitting, by the simple payment server, the payment information matched with the payment information request to the customer terminal;
receiving, by the customer terminal, a selection input for a payment method from the customer;
Transmitting, by the customer terminal, a payment request including the member store identification information and payment method information for the payment method to the simple payment server;
Matching the payment request and the payment information by the simple payment server searching for the merchant identification information of the payment information received from the merchant terminal in response to the merchant identification information of the payment request received from the customer terminal ; and
If the payment information matching the payment request exists, the simple payment server proceeds with payment processing based on the payment information and the payment method information. Payment Method. The simple payment method of claim 12, wherein the affiliated store tag is a Near Field Communication (NFC) tag or a Quick Response (QR) code. 13. The method of claim 12, wherein the payment information transmitted to the simple payment server by the affiliated store terminal further includes at least one of payment amount information, payment product information, and product quantity information. Easy payment method to acquire. The method of claim 12, wherein the receiving of the selection input for the payment method by the customer terminal comprises:
A simple payment method for obtaining variable payment information with a fixed code, comprising the step of performing identity authentication for the customer by the customer terminal. [Claim 13] The simple payment method of claim 12, wherein the payment method information includes card information or account information of the customer. According to claim 12,
When the payment information matching the payment request does not exist, the simple payment server transmitting a failure response to the customer terminal. method. According to claim 12,
When the payment processing is completed, the simple payment server transmits payment result information to each of the customer terminal and the affiliated store terminal. According to claim 18,
The simple payment method of obtaining variable payment information with a fixed code, characterized in that it further comprises the step of displaying, by the customer terminal, the payment result information received from the simple payment server on the screen of the customer terminal. According to claim 18,
displaying, by the affiliated store terminal, the payment result information received from the simple payment server on a screen of the affiliated store terminal; and
The simple payment method of acquiring variable payment information with a fixed code, characterized in that it further comprises the step of outputting a receipt in response to the payment result information received from the simple payment server by the affiliated store terminal. According to claim 12,
counting a waiting time for payment information from a point in time when the simple payment server stores the payment information;
determining whether the payment information waiting time of the payment information is equal to or less than a first reference waiting time when the payment information request and the payment information match; and
When the payment information waiting time exceeds the first reference waiting time, the easy payment server transmitting a failure response to the customer terminal. Acquiring variable payment information with a fixed code, characterized in that further comprising Easy payment method. According to claim 12,
counting a waiting time for payment information from a point in time when the simple payment server stores the payment information;
determining whether the payment information waiting time of the payment information is equal to or less than a second reference waiting time when the payment request and the payment information match; and
When the payment information waiting time exceeds the second reference waiting time, the easy payment server transmitting a failure response to the customer terminal. Easy payment method. According to claim 12,
counting a waiting time for payment information from a point in time when the simple payment server stores the payment information; and
When the request for payment information matching the payment information is not received until the payment information waiting time exceeds a first reference waiting time, the simple payment server further comprises transmitting a failure response to the affiliated store terminal. A simple payment method for acquiring variable payment information with a fixed code, characterized in that. According to claim 12,
counting a waiting time for payment information from a point in time when the simple payment server stores the payment information; and
When the payment request matching the payment information is not received until the payment information waiting time exceeds a second reference waiting time, the simple payment server sending a failure response to the affiliated store terminal Further comprising A simple payment method for acquiring variable payment information with a fixed code, characterized in that. Transmitting, by an affiliated store terminal, payment information including affiliated store identification information of the affiliated store to a simple payment server;
The simple payment server storing the payment information;
acquiring the affiliated store identification information of the affiliated store by reading an affiliated store tag disposed in the affiliated store by a customer terminal of the customer;
Transmitting, by the customer terminal, a payment information request including the merchant identification information to the simple payment server;
Matching the payment information request with the payment information by the simple payment server searching for the merchant identification information of the payment information received from the merchant terminal in response to the merchant identification information of the payment information request received from the customer terminal doing;
Transmitting, by the simple payment server, the payment information matched with the payment information request to the customer terminal;
receiving, by the customer terminal, a selection input for a payment method from the customer;
Transmitting, by the customer terminal, a payment request including the payment information and payment method information for the payment method to the simple payment server; and
A simple payment method of obtaining variable payment information with a fixed code, comprising the step of the simple payment server proceeding with payment processing based on the payment information and the payment method information.

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