KR20230001846A - Apparatus and method for paying in unmanned stores using token information of credit or debit cards - Google Patents

Abstract

According to the present invention, a payment device includes: a first acquiring unit for acquiring token information of a payment card; and a payment unit which pays for the price of a product using the token information obtained in advance. An object of the present invention is to provide a payment device and method capable of simplifying admission to an unmanned store or payment using token information of a credit card or debit card.

Description

Apparatus and method for paying in unmanned stores using token information of credit or debit cards}

The present invention relates to an apparatus and method for automatically performing payment in an unmanned store.

As IT technology develops, an unmanned store operating system without a clerk has been proposed.

However, the unmanned store operating system has a limitation in that it is mainly used for a specific store where rapid payment processing is possible. For example, the unmanned store operating system is suitable for a store that requires fast payment processing, sells relatively small-sized items to reduce the burden on packaging, and purchases a relatively small number of items, a representative example of which is a convenience store.

In order to popularize the unmanned store operating system, the payment process needs to be simplified.

Korean Patent Publication No. 2019-0019453 shows an automatic payment device for selling cosmetics and an unmanned cosmetics store operating system including the same.

Korean Patent Publication No. 2019-0019453

An object of the present invention is to provide a payment device and method capable of simplifying admission to an unmanned store or payment using token information of a credit or debit card.

The payment device of the present invention includes a first acquiring unit acquiring token information of a payment card; It may include; a payment unit for paying the price of a product using the pre-obtained token information.

The payment device of the present invention includes obtaining means for obtaining user's payment card information; transmitting means for transmitting the payment card information to a payment server; a receiving means for receiving token information corresponding to the payment card information from the payment server in response to the provision of the payment card information; an input means for receiving terminal information of a user who has provided information of the payment card to the acquisition means; a provision means for providing both the token information and the terminal information to a management server that issues an access code for entering the store; an entrance gate installed at the entrance of the store; It may include; an exit gate installed at the exit of the store.

The entrance gate may operate in one of a first mode that physically permits the user's entry and a second mode that restricts the user's entry.

The entrance gate basically operates in the second mode, and can operate in the first mode only when the access code output from the terminal is recognized.

The exit gate may extract a shopping cart code given to the user at the time of entering the store when the user who has entered the store leaves the store.

The exit gate may transmit specific token information linked to the shopping cart code to the management server or the payment server together with a product code of a specific product purchased by the user.

The payment method of the present invention includes the steps of acquiring token information of a user's payment card from a payment server that pays for a product price in a store or a kiosk installed around the store; obtaining terminal information of the user; When the token information is acquired, transmitting an access code to the user's terminal; may include.

According to the present invention, a one-time entrance means capable of using an unmanned store without installing a separate application can be implemented.

According to the present invention, an environment in which an unmanned store can be used without separate membership registration can be provided.

According to the present invention, deferred payment, repayment, cancellation, etc. may be performed using token information.

According to the present invention, the existing payment process performed upon leaving can be greatly simplified. As a result, congestion at the exit gate, which is the most congested when using a store, can be greatly alleviated.

1 is a schematic diagram showing a payment device of the present invention.
2 is a block diagram showing a management server of the present invention.
3 is a block diagram showing a kiosk of the present invention.
4 is a block diagram illustrating an exit gate of the present invention.
5 is a flowchart showing the payment method of the present invention,

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

In this specification, redundant descriptions of the same components are omitted.

In addition, in this specification, when a component is referred to as being 'connected' or 'connected' to another component, it may be directly connected or connected to the other component, but another component in the middle It should be understood that may exist. On the other hand, in this specification, 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.

In addition, terms used in this specification are only used to describe specific embodiments and are not intended to limit the present invention.

Also, in this specification, a singular expression may include a plurality of expressions unless the context clearly indicates otherwise.

In addition, in this specification, terms such as 'include' or 'having' are only intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more It should be understood that the presence or addition of other features, numbers, steps, operations, components, parts, or combinations thereof is not precluded.

Also in this specification, the term 'and/or' includes a combination of a plurality of listed items or any item among a plurality of listed items. In this specification, 'A or B' may include 'A', 'B', or 'both A and B'.

Also, in this specification, detailed descriptions of well-known functions and configurations that may obscure the subject matter of the present invention will be omitted.

1 is a schematic diagram showing a payment device of the present invention.

The payment device shown in FIG. 1 may include an entrance gate 10, an exit gate 20, a kiosk 30, a management server 100, and a payment server 200.

The entrance gate 10 may be installed at the entrance of a store that sells products, for example, an unmanned store without a manager. The entrance gate 10 may guide an entrance path of a user who wants to use the store. Alternatively, the entrance gate 10 may physically restrict the user's entrance according to set conditions. For example, the entrance gate 10 may be provided with barriers and barriers to block the user's entry. The diaphragm or diaphragm may be installed to be flexible. When a specific user is allowed to enter, the barrier can be evaded from the specific user's entry path. When a specific user is not allowed to enter, the barrier may enter the specific user's entrance path and block the specific user's entry.

The entrance gate 10 may operate in one of a first mode that physically allows the user's entry and a second mode that restricts the user's entry. The first mode may indicate a state in which the barrier is evacuated from the entry path. The second mode may represent a state in which the barrier has entered the entry path.

The entrance gate 10 basically operates in the second mode, and can operate in the first mode only when the access code output from the terminal 90 is recognized.

The exit gate 20 may be installed at the exit of the store. The exit gate 20 may guide a user's exit route to the store. In some cases, a barrier similar to that of the entrance gate 10 may be installed on the exit gate 20 . The barrier may escape from the exit route only when the user has completed payment for the product, and may allow the user to exit the store. If the barrier is determined to be in an abnormal payment state in which payment for a product possessed by the user entering the exit route is not normally made, the state of entering the exit route may be maintained. The user's exit to the store may be restricted if the exit route remains in the state of entering the exit route. A separate diaphragm may not exist in the exit gate 20 .

The kiosk 30 may receive input of various types of information related to payment from the user.

The kiosk 30 may be provided outside the store instead of inside the store. Preferably, the kiosk 30 may be installed around the entrance of the store, for example, at a distance within 10 m from the store entrance. The kiosk 30 may include a reader capable of reading card information from a user's payment card. The kiosk 30 may check whether the corresponding card has been stolen/lost using the reading information.

The management server 100 may manage the entrance gate 10 , the exit gate 20 , and the kiosk 30 .

For example, the management server 100 may determine whether to enter a path through a barrier provided at the entrance gate 10 or the exit gate 20 . Alternatively, the management server 100 may communicate with the kiosk 30 and exchange various types of information with the kiosk 30 . When the entrance gate 10 and the exit gate 20 are controlled by the store's own control means, the management server 100 can concentrate on exchanging various types of information with the kiosk 30 .

The payment server 200 may authenticate, authorize, or process a user's payment for a product. For example, at least one of the kiosk 30, the entrance gate 10, and the exit gate 20 may be provided with a POS (Point Of Sales) payment machine capable of paying with a credit card or check card. The payment server 200 may include a value-added network (VAN) server that communicates with the POS payment machine and performs various payment and settlement-related tasks using a credit card or check card.

The payment device of the present invention allows only users who have a credit or debit card capable of payment to enter the store, and provides an environment in which the user does not have to perform a separate product price settlement when leaving the store. there is.

For example, the kiosk 30 may transmit information on a payment card such as a credit card or check card provided by a user, for example, a card number, expiration date, etc. to the payment server 200 .

The payment server 200 may generate token information based on payment card information and provide it to the kiosk 30 .

The kiosk 30 may provide token information to the management server 100 . In some cases, the token information may be directly transferred from the payment server 200 to the management server 100.

The kiosk 30 may additionally provide the information of the terminal 90 provided by the user to the management server 100 . The terminal 90 may include a user's mobile communication terminal 90 such as a smart phone. Information on the terminal 90 may include a phone number of the terminal 90 and the like.

When the token information is acquired, the management server 100 may provide an entry code to the user's terminal 90 by using information of the terminal 90 input by the user of the payment card that is the basis of the token information. The access code may be prearranged with the entrance gate 10 . Alternatively, the management server 100 may transfer the access code to the entrance gate 10 through the kiosk 30 or directly transfer the access code to the entrance gate 10 .

The access code may include a barcode, a quick response (QR) code, and the like. When the user applies the access code output from the terminal 90 to the sensor of the entrance gate 10, the access gate 10 can check the access code and determine whether the barrier is opened or closed. If the detected access code is determined to be valid, the access gate 10 withdraws the barrier from the access path, and the user can enter the store through the access path. The management server 100 may grant a shopping cart code associated with token information to a user who has entered the store. The corresponding shopping cart code may be actually assigned to the terminal 90 of the user, or may be assigned to a cart provided by a store and carried by the user.

A user entering the store may select a product and exit the store using an exit path.

The exit gate 20 provided on the exit route may detect a shopping cart code and detect products carried by the user or contained in the cart using a radio frequency identification (RFID) tag or the like. In order to prevent mixing with products of other users, the exit gate 20 may match a shopping cart code of a specific user with a product code of a specific product purchased by the specific user. The management server 100 may transmit specific token information linked to a specific shopping cart code and a product code of a specific product to the payment server 200 . Since the payment server 200 can obtain the same information as the payment information received from the general POS payment machine, it can proceed with payment and settlement for products without any difficulty. In some cases, the exit gate 20 may transmit token information and product codes to the payment server 200 instead of the management server 100 .

According to this embodiment, a user who has provided card information through the kiosk 30 in advance can pass through the exit gate 20 without going through a settlement process such as taking products out of the cashier and stamping them on a reader when leaving. . According to this embodiment, only users who can pay through payment card information input through the kiosk 30 in advance can enter the store. After entering the store, the user can select and carry a product or put it in a cart, and then exit the store as it is through the exit gate 20 without a separate product settlement procedure. Token information based on payment card information obtained through the kiosk 30 may be stored in the management server 100 or the like for a set time. Token information stored in the management server 100 during the set time can be used for product payment when the user leaves the product. Meanwhile, within the set time, the user who has left the store can re-enter the store using the previously issued entry code without repeating the insertion of the payment card into the kiosk 30 . In order to prevent token information from being destroyed while the user enters the store, the flow of storage time of the token information may be temporarily stopped when the user enters the store. When the user leaves the store, the flow of storage time of the token information may be played again and the storage time may be deducted.

2 is a block diagram showing the management server 100 of the present invention.

The management server 100 may include a first acquisition unit 110, a second acquisition unit 120, an entry unit 130, a code unit 150, and a payment unit 170.

The first acquisition unit 110 may acquire token information of a payment card. The payment card token information may be generated in the payment server 200 based on the payment card information. The first acquisition unit 110 may acquire token information from the payment server 200 or obtain token information from the kiosk 30 receiving token information from the payment server 200 . The token information may include a one-time virtual card number including (encrypted) essential information (card number, expiration date, etc.) required for payment. Token information may be stored and used in the payment server 200 or the management server 100 during the setting period.

The second acquisition unit 120 may acquire terminal 90 information matching the token information. Terminal 90 information may include a mobile phone (cellular phone) phone number and the like.

The entrance unit 130 may allow entry of a store where products are prepared using token information. Only users who have been given token information can enter the store by the admission unit 130 .

For example, when token information is acquired through the first acquisition unit 110, the admission unit 130 may transmit an access code to the terminal 90 that matches the token information.

The code unit 150 may assign a shopping cart code associated with token information to a user (including the user's terminal 90) who has entered a store where products are provided.

The payment unit 170 may pay or settle the price of a product using pre-obtained token information.

When a specific user leaves the store, the payment unit 170 may automatically pay for a product purchased by the specific user using token information of the specific user. The payment performed by the payment unit 170 may include an operation of transmitting a product price or product code along with token information to the payment server 200 that generated the token information.

For example, the payment unit 170 may calculate the price of the product using the product code when obtaining a product code assigned to the product together with the equipment or code. The payment unit 170 may transmit the calculated product price and token information to the payment server 200 .

3 is a block diagram showing a kiosk 30 of the present invention.

An acquisition means 31, a transmission means 35, a reception means 37, an input means 33, and a provision means 39 may be provided in the kiosk 30 installed around the store where products are prepared.

The acquisition unit 31 can obtain payment card information. The acquisition means 31 may include a reader that scans the information of the payment card.

The transmitter 35 may transmit information on the payment card to the payment server 200 .

The receiving unit 37 may receive token information from the payment server 200 as a response to the payment card information provision. The transmitting unit 35 and the receiving unit 37 may include various communication modules capable of wired/wireless communication with the payment server 200 .

The input unit 33 may receive input of terminal 90 information of a user who has provided payment card information to the acquisition unit 31 . The input unit 33 may include a button operated by a user, a touch pad, and the like.

The providing unit 39 may provide token information to the first acquisition unit 110 and terminal 90 information to the second acquisition unit 120 . The providing unit 39 may include a communication module capable of wired/wireless communication with the management server 100 provided with the first acquisition unit 110 and the second acquisition unit.

4 is a block diagram showing an exit gate 20 of the present invention.

A first detecting unit 21, a second detecting unit 22, and a distinguishing unit 23 may be provided at the exit gate 20.

The first detecting means 21 can detect the shopping cart code. For example, the shopping cart code may be the same as the entry code. In this case, the first detecting unit 21 may include a QR reader or barcode reader capable of recognizing an entry code. While exiting, the user can omit a separate manual product settlement process and leave immediately, simply by applying the entry code displayed on the terminal 90 to the first detecting means 21 . As another example, the shopping cart code may include an RFID tag installed on the cart or the like. In this case, the first detecting unit 21 may include an RFID reader capable of recognizing an RFID tag.

The second detecting means 22 can detect the product code. For example, when an RFID tag is provided for each product, the second sensing unit 22 may include an RFID receiver or an RFID reader capable of communicating with the RFID tag.

The distinguishing means 23 can distinguish a plurality of users.

According to the distinguishing unit 23, whether a specific product is a first user's product or a second user's product can be discriminated. For example, the distinguishing unit 23 may group the origin of a specific product code and the origin of the nearest shopping cart code into one, and distinguish them from other shopping cart codes and other product codes. According to this embodiment, an abnormal operation in which a product purchased by a second user is paid by a first user can be prevented.

A specific shopping cart code assigned to a specific user by the distinguishing unit 23 and a product code of a specific product purchased by the specific user may be matched with each other.

The payment unit 170 may transmit specific token information linked to a specific shopping cart code and a product code of a specific product to the payment server 200 .

The payment device of the present invention may include a kiosk 30 , an entrance gate 10 , an exit gate 20 , a management server 100 , and a payment server 200 . Alternatively, the payment device of the present invention may be defined as a smaller concept.

For example, the management server 100 may correspond to the payment device of the present invention.

For example, a kiosk 30, an entrance gate 10, and an exit gate 20 externally present in a store may correspond to payment devices. In this case, the payment device may include an acquisition unit 31, a transmission unit 35, a reception unit 37, an input unit 33, a provision unit 39, an entrance gate 10, and an exit gate 20. can

As described above, the obtaining unit 31 can obtain the user's payment card information.

The transmitter 35 may transmit payment card information to the payment server 200 .

The receiving unit 37 may receive token information corresponding to the payment card information from the payment server 200 in response to the payment card information provision.

The input unit 33 may receive input of terminal 90 information of a user who has provided payment card information to the acquisition unit 31 .

The provision unit 39 may provide both token information and terminal 90 information to the management server 100 that issues an access code for entering the store.

The entrance gate 10 is installed at the entrance of the store and can open and close the entrance path.

The entrance gate 10 may operate in one of a first mode that physically allows the user's entry and a second mode that restricts the user's entry.

The entrance gate 10 basically operates in the second mode, and can operate in the first mode only when the access code output from the terminal 90 is recognized.

The exit gate 20 may be installed at the exit of the store. In some cases, the exit gate 20 may open and close the exit path. In order to minimize payment congestion in the store, the exit gate 20 may always keep the exit route open. However, the exit gate 20 may form an exit path to pass through the detectable ranges of the first detection unit 21 and the second detection unit 22 .

The exit gate 20 may extract a shopping cart code given to the user at the time of entering the store when the user who has entered the store leaves the store.

The exit gate 20 may transmit specific token information linked to the shopping cart code to the management server 100 or the payment server 200 together with the product code of a specific product purchased by the user.

5 is a flowchart showing the payment method of the present invention,

The payment method shown in FIG. 5 may be performed by the payment device of FIG. 1 or the payment device (management server 100) of FIG. 2 .

The payment method may include a first acquisition step (S 510), a second acquisition step (S 520), a transmission step (S 530), and a payment step (S 540).

In the first acquisition step ( S510 ), token information of the user's payment card may be acquired from the payment server 200 that pays for product prices in the store or the kiosk 30 installed around the store. The first acquisition step (S 510) may be performed by the first acquisition unit 110 of the management server 100.

In the second acquisition step (S520), information about the user's terminal 90 may be obtained. The second acquisition step (S 520) may be performed by the second acquisition unit 120 of the management server 100.

In the transmission step (S530), when the token information is acquired, an access code may be transmitted to the user's terminal 90. The transmission step (S530) may be performed by the admission unit 130 of the management server 100.

In the payment step (S540), specific token information linked to the shopping cart code and product code of a specific product may be obtained from the exit gate 20 and the specific token information and product code of the specific product may be transmitted to the payment server 200. . According to the payment step (S540), payment or settlement of a specific product may be performed with respect to the payment card indicated by the specific token information in the payment server 200. The payment step (S540) may be performed by the payment unit 170.

Meanwhile, the embodiments of the present invention are not implemented only through the devices and/or methods described so far, and may be implemented through a program that realizes functions corresponding to the configuration of the embodiments of the present invention or a recording medium in which the program is recorded. And, such implementation can be easily implemented by those skilled in the art from the description of the above-described embodiment.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concept of the present invention defined in the following claims are also provided. fall within the scope of the invention.

10...entry gate 20...exit gate
21...first sensing means 22...second sensing means
23 ... Separation means 30 ... Kiosk
31...Intake means 33...Input means
35 ... transmission means 37 ... reception means
39...providing means 90...terminal
100 ... management server 110 ... first acquisition unit
120 ... second acquisition unit 130 ... entrance unit
150 ... code part 170 ... payment part
200...Payment Server

Claims (10)

a first acquiring unit acquiring token information of a payment card;
a payment unit for paying a price of a product using the pre-obtained token information;
A payment device comprising a.
According to claim 1,
An entrance unit is provided to allow entry of the store where the product is prepared using the token information;
Only users who have been given the token information can enter the store by the entrance unit,
The payment unit automatically pays for a price of a product purchased by the specific user using the token information of the specific user when the specific user exits the store.
According to claim 1,
A second acquisition unit and an entrance unit are provided,
The second obtaining unit acquires terminal information matching the token information,
The payment device for transmitting an access code to a terminal matching the token information when the admission unit obtains the token information through the first acquisition unit.
According to claim 3,
A kiosk installed around a store where the product is provided is provided,
The kiosk is provided with an acquisition means, a transmission means, a reception means, an input means, and a provision means,
The acquisition means obtains the information of the payment card,
The transmission means transmits the information of the payment card to a payment server;
The receiving means receives token information from the payment server in response to the information provision of the payment card;
The input unit receives terminal information of a user who provided the payment card information to the acquisition unit,
wherein the providing means provides the token information to the first acquisition unit and provides the terminal information to the second acquisition unit.
According to claim 3,
An entrance gate is provided at the entrance of the store where the product is provided,
The entrance gate operates in one of a first mode that physically allows the user's entry and a second mode that restricts the user's entry,
The payment device basically operates in the second mode, and operates in the first mode only when the access code output from the terminal is recognized.
According to claim 1,
The payment unit transmits the price of the product together with the token information to the payment server that generated the token information.
According to claim 1,
A code unit is provided for granting a shopping cart code associated with the token information to a user who has entered a store where the product is provided;
When the product code assigned to the product is obtained along with the shopping cart code, the payment unit calculates the price of the product using the product code;
The payment unit transmits the calculated price of the product and the token information to a payment server.
According to claim 7,
An exit gate is provided at the exit of the store where the product is provided;
A first detecting means for detecting the shopping cart code, a second detecting means for detecting the product code, and a distinguishing means for distinguishing a plurality of users are provided at the exit gate;
A specific shopping cart code assigned to a specific user by the distinguishing means and a product code of a specific product purchased by the specific user are matched with each other;
The payment unit transmits specific token information linked to the specific shopping cart code and product code of the specific product to the payment server.
obtaining means for obtaining user's payment card information;
transmitting means for transmitting the payment card information to a payment server;
a receiving means for receiving token information corresponding to the payment card information from the payment server in response to the provision of the payment card information;
an input means for receiving terminal information of a user who has provided information of the payment card to the acquisition means;
a provision means for providing both the token information and the terminal information to a management server that issues an access code for entering the store;
an entrance gate installed at the entrance of the store;
Including; exit gate installed at the exit of the store,
The entrance gate operates in one of a first mode that physically allows the user's entry and a second mode that restricts the user's entry,
The entrance gate basically operates in the second mode, and operates in the first mode only when the access code output from the terminal is recognized;
The exit gate extracts a shopping cart code given to the user at the time of entering the store when the user who has entered the store leaves the store;
The payment device of claim 1 , wherein the exit gate transmits specific token information linked to the shopping cart code to the management server or the payment server along with a product code of a specific product purchased by the user.
In the payment method performed by the payment device,
obtaining token information of a user's payment card from a payment server that pays for product prices in a store or a kiosk installed around the store;
obtaining terminal information of the user;
If the token information is obtained, transmitting an access code to the user's terminal;
Payment method including.

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