KR20240037210A - Integrated payment method and payment system - Google Patents

Abstract

An integrated payment method and payment system is launched. The payment relay server receives payment amount information from the affiliated store terminal, reads the NFC tag or QR code entered with the affiliated store URL information, provides an affiliated store payment screen containing payment amount information to the connected customer terminal, and provides multiple payment methods. When payment details made using the payment method selected at the customer terminal are received from the payment server, the payment details are provided to the affiliated store terminal.

Description

Integrated payment method and payment system {Integrated payment method and payment system}

Embodiments of the present invention relate to an integrated payment method and its payment system, and more specifically, to a method and a payment system in which a customer can freely select and make payments using multiple payment methods held by a customer.

In addition to the traditional method of using a card or cash as a payment method, recently, there is a method of making payments using various payments without a physical card using the customer's smartphone. Customers can select the card or pay to use for payment on their smartphone and then make payment by touching the smartphone to the merchant's terminal. However, this conventional method presents the inconvenience of having to ask the customer which method to pay for, and entering payment information into the POS terminal accordingly when the customer mentions a specific payment method. From the customer's perspective, there is the inconvenience of having to disclose to the merchant in advance which payment method he or she will use when making a payment, and also having to run a separate app for payment in advance. Additionally, when a new payment method is released, there is a disadvantage in that affiliated stores need to replace or update their POS terminals in order to process the new payment method.

The technical problem to be achieved by the embodiment of the present invention is that the merchant can make a payment by only entering the payment amount without asking the customer for the payment method, and even when a new payment method is released, the new payment method can be used without replacing or updating the affiliated store terminal. The purpose is to provide an integrated payment method and payment system that enables payment.

In order to achieve the above technical problem, an example of an integrated payment method according to an embodiment of the present invention includes: receiving payment amount information from an affiliated store terminal in an integrated payment method performed by a payment relay server; Reading the NFC tag or QR code into which the URL information of the affiliated store is input and providing an affiliated store payment screen including the payment amount information to the connected customer terminal; And upon receiving from the payment server the payment details made using the payment method selected by the customer terminal among a plurality of payment methods, providing the payment details to the affiliated store terminal.

Another example of an integrated payment method according to an embodiment of the present invention to achieve the above technical problem is an integrated payment method performed by a customer terminal, where the NFC tag or QR code entered with the URL information of the affiliated store is read. Connecting to a payment relay server; A step of receiving, from the payment relay server, an affiliated store payment screen including payment amount information registered by the affiliated store terminal in the payment relay server; and selecting one payment method among a plurality of payment methods and requesting payment from the payment server of the selected payment method.

In order to achieve the above technical problem, an example of an integrated payment system according to an embodiment of the present invention includes an affiliated store terminal that receives payment amount information from the affiliated store owner; And upon receiving payment amount information from the affiliated store terminal, a payment relay server that provides an affiliated store payment screen including the payment amount information to a customer terminal connected through an NFC tag or QR code entered with the affiliated store URL information. do.

According to an embodiment of the present invention, the affiliated store owner can make a payment by entering only the payment amount without asking the customer's payment method, and the customer can also use the payment method he wants without having to reveal to the affiliated store owner what his payment method is. You can freely choose and pay. Additionally, even if a new payment method is introduced, payment using the new payment method can be performed without replacing or renewing the affiliated store terminal.

1 is a diagram showing an example of the overall system structure for an integrated payment method according to an embodiment of the present invention;
Figure 2 is a diagram showing an example of a URL for each affiliated store managed by the payment relay server according to an embodiment of the present invention;
3 is a diagram illustrating an example of an integrated payment method according to an embodiment of the present invention;
Figure 4 is a diagram showing an example of a screen of an affiliated store terminal and a customer terminal according to an implementation of the present invention;
Figure 5 is a diagram illustrating an example of a screen for selecting a payment method on a customer terminal according to an embodiment of the present invention;
Figure 6 is a diagram showing the overall flow of the integrated payment service according to an embodiment of the present invention;
Figure 7 is a diagram showing an example of an integrated payment method performed by a payment relay server according to an embodiment of the present invention;
Figure 8 is a diagram showing an example of an integrated payment method performed by a customer terminal according to an embodiment of the present invention, and
Figure 9 is a diagram illustrating another example of an integrated payment method according to an embodiment of the present invention.

Hereinafter, the integrated payment method and payment system according to an embodiment of the present invention will be examined in detail with reference to the attached drawings.

1 is a diagram illustrating an example of the overall system structure for an integrated payment method according to an embodiment of the present invention.

Referring to FIG. 1, the payment relay server 100 includes at least one affiliated store terminal 112, at least one customer terminal 130, at least one payment server 140, and a communication network (e.g., Internet, etc.). connected through The payment relay server 100 may be implemented as a computing device or server including a memory, processor, input/output device, etc.

The affiliated store terminal 112 is a terminal of the affiliated stores 110 and 120 that have subscribed to the payment service for this embodiment. The affiliated store terminal 112 may be a POS terminal or an affiliated store owner's smartphone. If the affiliated store terminal 112 is a smartphone, an application for the payment service of this embodiment may be installed on the smartphone. In addition, various types of terminals that can perform payments by exchanging data with the payment relay server 100 can be used as the affiliated store terminal 112 in this embodiment, and the affiliated store terminal 112 is limited to a specific type of terminal. It doesn't work.

At affiliated stores, there is an NFC tag 114 or QR code containing URL (Uniform Resource Locator) information. This embodiment presents the NFC tag 114 or QR code as an example of a medium containing URL information, but this is only one example and various media that can contain URL information may be used in this embodiment. However, for convenience of explanation, the following description will focus on the case where the NFC tag 114 is present in each affiliated store.

The customer terminal 130 is a terminal owned by a customer who purchases goods or services at an affiliated store (110, 120). The customer terminal 130 may be a smartphone or the like. As an example, the customer terminal 130 may have an application for the integrated payment service of this embodiment pre-installed. The customer terminal 130 can exchange data with an NFC module (or a camera that can read a QR code, etc.) that can read the information of the NFC tag 114 located in the affiliated stores 110 and 120, and the payment relay server 100. Since any terminal including a communication module is sufficient, it is not necessarily limited to a specific terminal such as a smartphone. Although this embodiment shows one customer terminal 130 for convenience of explanation, the number of customer terminals 130 connected to the payment relay server 100 may be plural.

The payment server 140 is a server that processes various payment methods (credit card, check card, app card, various payments (eg, Kakao Pay, Naver Pay), etc.). Although this embodiment shows one payment server 140 for convenience of explanation, there may be multiple payment servers 140 for multiple payment methods. Since the payment server 140 itself for various payment methods is already widely known, further description thereof will be omitted. Generally, payments such as cards are made through the VAN company 145, so this embodiment shows the VAN company 145, but this is only one example. The payment server 140 and the payment relay server 100 are connected to the VAN company 145. You can connect directly without using 145.

Figure 2 is a diagram illustrating an example of a URL for each affiliated store managed by the payment relay server according to an embodiment of the present invention.

Referring to FIGS. 1 and 2 together, the payment relay server 100 assigns a unique URL 210 to each affiliated store 200 and includes an affiliated store payment screen 220 mapped to each URL 210. For example, the payment relay server 100 grants the first URL to the first affiliated store, the second URL to the second affiliated store, and the Nth URL to the Nth affiliated store. The URL given to each affiliated store is stored in the NFC tag 114 of each affiliated store examined in FIG. 1.

In one embodiment, an affiliated store owner may receive an NFC tag 114 with embedded URL information and place it at the affiliated store. In another embodiment, the affiliated store owner may download URL information from the payment relay server 100 through the affiliated store terminal 112 and then input the URL information into the NFC tag 114. For example, if the affiliated store terminal is a smartphone, URL information is received from the payment relay server 100 through the smartphone, the smartphone is approached to the NFC tag 114, and the URL is sent to the NFC tag 114 through NFC communication. You can enter information.

The payment relay server 100 includes a first affiliated store payment screen for the first affiliated store, a second affiliated store payment screen for the second affiliated store, and an Nth affiliated store payment screen for the Nth affiliated store. The merchant payment screen 220 is a payment screen provided to the customer terminal 130, and the customer can make a payment through the merchant payment screen 220. In one embodiment, the payment relay server 100 includes a template for the affiliated store payment screen 220, and can generate the affiliated store payment screen 220 for each affiliated store by adding information about each affiliated store to the template. .

Figure 3 is a diagram illustrating an example of an integrated payment method according to an embodiment of the present invention. For convenience of explanation, Figure 3 mainly explains the payment process at the first affiliated store 110 shown in Figure 1.

Referring to FIGS. 1 and 3 together, the first NFC tag 114 contains URL information provided by the payment relay server 100 to the first affiliated store 110 (S300). When the first affiliated store terminal 112 receives payment amount information from the affiliated store owner, it transmits the payment amount information to the payment relay server 100 (S310). The first affiliated store terminal 112 transmits payment amount information to the payment relay server 100 regardless of the customer's payment method. As an example, when transmitting payment amount information to the payment relay server 100, the first affiliated store terminal 112 may also transmit various information such as affiliated store information or payment product information. In another embodiment, when payment amount information is input, the first affiliated store terminal 112 may output a voice guide or text message to the customer to tag the customer terminal 130 to the first NFC tag 114.

The customer tags the NFC tag 114 placed at the first affiliated store 110 with the customer terminal 130 for payment (S320). As another example, if the first affiliated store 110 has a QR code, the customer can scan the QR code with the customer terminal 130. The customer terminal 130 connects to the payment relay server 100 using the URL identified through NFC tagging (S330).

When the customer terminal accesses the URL, the payment relay server provides the merchant payment screen to the customer terminal (S340). The merchant payment screen can be provided through the mobile web. As seen in FIG. 2, since the payment relay server 100 assigns a different URL to each affiliated store, it is possible to distinguish which affiliated store the payment is from based on the URL accessed by the customer terminal 130. The affiliated store payment screen provided to the customer terminal 130 includes payment amount information transmitted by the first affiliated store terminal to the payment relay server.

In one embodiment, before the first affiliated store terminal 112 transmits the payment amount information to the payment relay server 100, the customer terminal 130 first tags the first NFC tag 114 to the payment relay server 100. Connection may occur. In this case, the payment relay server 100 may generate a notification message requesting input of payment amount information and transmit it to the first affiliated store terminal 112. For example, if the first affiliated store terminal 112 is a smartphone, the payment relay server 100 may transmit a push message requesting input of payment amount information. When the payment relay server 100 receives payment amount information from the first affiliated store terminal 112, it can display the payment amount information on the affiliated store payment screen.

The customer terminal 130 receives a payment method selected from the customer to use for payment. For example, the customer terminal 130 has multiple payment methods such as various cards (app cards, physical cards, etc.) or pay, and the customer terminal 130 provides multiple payment methods within the merchant payment screen or on a separate screen. Displays . Therefore, customers can proceed directly to the final payment stage with a single tagging operation without the need to enter separate amount information.

In one embodiment, the customer terminal 130 may select and display only payment methods available at the first affiliated store 110. For example, the payment relay server 100 recognizes and stores information about available payment methods for each affiliated store in advance, and when transmitting the affiliated store payment screen to the customer terminal 130, it also includes information about available payment methods. can be provided.

When a payment method is selected, the customer terminal 130 requests payment for the corresponding payment method to the payment server 140 (S360). Since the process of requesting payment to the payment server 140 for various cards or various payments is already a widely known method, further explanation thereof will be omitted.

When payment is completed, the payment server 140 transmits the payment details to the payment relay server 100. In the case of Figure 1, the payment details of the payment server 140 are transmitted to the payment relay server 100 through the VAN company 145. The payment relay server 100 transmits the payment details to the first affiliated store terminal 112.

From the merchant's perspective, the customer simply needs to enter payment amount information regardless of which payment method they will use. Even if a new payment method is created, payment using the new payment method is possible simply by entering payment amount information without replacing or updating the affiliated store terminal. From the customer's perspective, they can select various payment methods to use for payment by tagging an NFC tag without having to run the app for a specific payment method in advance, allowing them to pay quickly and conveniently. For example, when a customer runs the application for this embodiment and tags NFC, he or she can select multiple payment methods and make a payment through the merchant payment screen.

Figure 4 is a diagram illustrating an example of a screen of an affiliated store terminal and a customer terminal according to an embodiment of the present invention.

Referring to Figure 4, the affiliated store owner inputs the product purchased by the customer and the payment amount into the affiliated store terminal 400. This payment information input process may be the same as the existing payment information input process. For example, the barcode of the POS terminal can be used to recognize the barcode of the product and the payment amount information for the product can be input.

The payment amount information 410 entered by the affiliated store owner into the affiliated store terminal is shared with the customer terminal 420 through the payment relay server 100. That is, the customer terminal 420 connects to the payment relay server through NFC tagging and is provided with the merchant payment screen 430. The affiliated store payment screen 430 may display the same information as the information 410 entered by the affiliated store owner into the affiliated store terminal.

Therefore, the franchise owner and the customer can share payment information (400, 420) with each other through their respective terminals (40, 430). As an example, each time the merchant enters payment information (payment product and payment amount information, etc.) for each product into the merchant terminal 400, the payment information 430 is transmitted to the customer terminal (430) through the payment relay server 100 in real time. 420).

Figure 5 is a diagram illustrating an example of a screen for selecting a payment method on a customer terminal according to an embodiment of the present invention.

Referring to FIG. 5, the customer terminal 500 displays at least one payment method 510 available at the affiliated store. The customer can make a payment by selecting a desired payment method among the plurality of payment methods 520.

As an example, when displaying a plurality of payment methods, the customer terminal 500 may also display various benefit information such as discounts or point accumulation applied to the relevant affiliated store. Alternatively, the customer terminal 500 may display the payment methods 510 by sorting them according to predefined conditions (for example, in order of point accumulation rate or discount rate, etc.).

For example, when a customer selects 'Kakao Pay' as a payment method, the customer terminal 500 can run the Kakao Pay app to perform payment of the payment amount. At this time, the payment amount information is automatically reflected in the Kakao Pay app and payment is made, so there is no need for the customer to separately enter amount information for Kakao Pay payment.

When a new payment method is added to the customer terminal 500, the customer terminal 500 simply displays the new payment method on the plurality of payment methods 520 displayed on the merchant payment screen, and when the customer selects a new payment method, , Payment can be made by automatically reflecting the payment amount information while running the payment app of the new payment method. Therefore, payment support is also available for new payment methods.

Figure 6 is a diagram showing the overall flow of the integrated payment service according to an embodiment of the present invention.

Referring to Figure 6, the affiliated store owner inputs payment amount information into the affiliated store terminal, and the customer tags the NFC tag placed at the affiliated store using the customer terminal 600. Then, the customer checks the payment amount information on the merchant payment screen displayed on the customer terminal 600, selects a payment method, and makes the payment.

From the merchant's point of view, all they have to do is enter payment amount information regardless of the customer's payment method, and there is no need for additional input or manipulation processes depending on the customer's payment method. From the customer's perspective, after selecting a specific payment method in advance for payment, tagging the NFC tag with the customer terminal 600 and selecting one of the plurality of payment methods that appear on the screen without the need to talk to the affiliated store owner.

Figure 7 is a diagram illustrating an example of an integrated payment method performed by a payment relay server according to an embodiment of the present invention.

Referring to Figures 1 and 7 together, the payment relay server 100 receives payment amount information from the affiliated store terminal 112 (S700). As an example, the payment relay server 100 may receive various additional information such as payment product information and affiliated store information along with payment amount information.

When the customer terminal 130 connects using the URL of the NFC tag 114 placed at the merchant, the payment relay server 100 provides the merchant payment screen including payment amount information to the customer terminal 130 (S710 ). As seen in FIG. 2, the payment relay server 100 assigns each URL to each affiliated store, so when the customer terminal 130 accesses a specific URL, it can distinguish which affiliated store the payment is from. In this embodiment, the step 700 of receiving payment amount information is shown as preceding the step 710 of providing the merchant payment screen, but this is only an example and the order may be changed. In other words, the step 710 of providing the merchant payment screen may be performed before the step 700 of receiving payment amount information.

When a customer makes a payment by selecting one of a plurality of payment methods through the merchant payment screen displayed on the customer terminal 130, the payment relay server 100 receives payment details from the payment server 140 (S720) . The payment relay server 100 transmits payment details to the affiliated store terminal 112.

Figure 8 is a diagram illustrating an example of an integrated payment method performed by a customer terminal according to an embodiment of the present invention.

Referring to FIGS. 1 and 8 together, the customer terminal 130 tags the NFC tag placed at the affiliated store (S800). The customer terminal 130 connects to the payment relay server 100 using the URL read from the NFC tag 114 and receives an affiliated store payment screen from the payment relay server 100 (S810). The customer terminal 130 displays a plurality of payment methods possessed by the customer on the screen and receives a selection of one payment method from the customer (S820). The customer terminal 130 requests payment for the selected payment method to the payment server 140 (S830).

Figure 9 is a diagram illustrating another example of an integrated payment method according to an embodiment of the present invention.

Referring to FIG. 9, there may be multiple affiliated store terminals or multiple NFC tags in one affiliated store. In one embodiment, when a plurality of tables exist, such as in a restaurant, an NFC tag may be present on each table. In addition, multiple NFC tags may exist in various locations depending on the affiliated store.

Multiple NFC tags present in one affiliated store may include integrated payment URL information and integrated payment code to distinguish them from each other. The integrated payment URL is URL information for accessing the payment relay server and is the same for all NFC tags. The integrated payment code is a code for distinguishing multiple NFC tags present in an affiliated store. As an example, the integrated payment code may include affiliated store information and table information.

When a customer tags an NFC tag with a customer terminal, the customer terminal reads the integrated payment URL and integrated payment code from the NFC tag. The customer terminal connects to the payment relay server using the integrated payment URL. When the payment relay server receives the integrated payment code from the customer terminal, it verifies the unique page (i.e., the affiliated store payment screen) corresponding to the affiliated store through the integrated payment code. The merchant payment screen contains information such as the payment amount entered by the merchant terminal. In one embodiment, an affiliated store's merchant payment screen may exist for each table.

As an example, the payment relay server may first issue a consumer authorization code to the customer terminal without directly transmitting the affiliated store's unique page (affiliate payment screen) to the customer terminal. The consumer authorization code is a code to authenticate the customer and can be sent to the customer terminal in the form of a message. When the payment relay server properly receives the consumer authorization code sent to the customer terminal from the customer terminal, it can provide the merchant payment screen to the customer terminal. When a certain period of time (for example, 10 minutes) elapses after the consumer authorization code is issued to the customer terminal, the consumer authorization code expires and is no longer valid. That is, when a consumer authorization code is received from the customer terminal after a certain period of time has elapsed, the payment relay server may process the authentication as expired and not provide the merchant payment screen to the customer terminal.

When the customer terminal receives the merchant payment screen, it displays it on the screen and proceeds with payment through various payment methods. In one embodiment, the affiliated terminal may not enter the payment amount until the affiliated store payment screen is provided to the customer terminal. In this case, the payment relay server may request (i.e., poll) the affiliated terminal at regular intervals to input information such as the payment amount. When the customer terminal successfully completes the payment, the payment relay server receives the payment details from the payment server and provides them to the affiliated terminal.

The present invention can also be implemented as computer-readable program code on a computer-readable recording medium. Computer-readable recording media include all types of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. Additionally, computer-readable recording media can be distributed across networked computer systems so that computer-readable code can be stored and executed in a distributed manner.

So far, the present invention has been examined focusing on its preferred embodiments. A person skilled in the art to which the present invention pertains will understand that the present invention may be implemented in a modified form without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments should be considered from an illustrative rather than a restrictive perspective. The scope of the present invention is indicated in the claims rather than the foregoing description, and all differences within the equivalent scope should be construed as being included in the present invention.

Claims (9)

In the integrated payment method performed by the payment relay server,
Receiving payment amount information from the affiliated store terminal;
Reading the NFC tag or QR code into which the URL information of the affiliated store is input and providing an affiliated store payment screen including the payment amount information to the connected customer terminal; and
Payment amount information on the merchant payment screen provided to the customer terminal and payment using the payment method selected on the customer terminal are requested to the payment server by the customer terminal without going through the merchant terminal, and are requested from the customer terminal among a plurality of payment methods. Upon receiving payment details made using the selected payment method from the payment server, providing the payment details to the affiliated store terminal;
The payment relay server assigns a unique URL to each affiliated store and includes an affiliated store payment screen for each affiliated store mapped to each URL,
The receiving step includes receiving affiliated store information and payment amount information from the affiliated store terminal,
The step of providing the affiliated store payment screen includes distinguishing which affiliated store the payment is from based on the URL accessed by the customer terminal, and providing an affiliated store payment screen including affiliated store information and payment amount information of the relevant affiliated store to the customer terminal. It includes;
An integrated payment method characterized in that the customer terminal requests payment from a payment server corresponding to the payment method selected by the customer terminal among a plurality of payment servers. According to clause 1,
An integrated payment method, wherein the affiliated store terminal and the customer terminal are smartphones. The method of claim 1, wherein the step of receiving the payment amount information includes,
An integrated payment method comprising: receiving payment product information and affiliated store information together with the payment amount information. According to clause 1,
If there is a customer terminal connected by reading the NFC tag or QR code, but there is no payment amount information received from the affiliated store terminal, transmitting a notification message to the affiliated store terminal; integrated payment further comprising a. method. According to clause 1,
An integrated payment method further comprising distributing an NFC tag or QR code containing URL information for each affiliated store to each affiliated store before receiving the payment amount information. In the integrated payment method performed by the customer terminal,
Reading the NFC tag or QR code entered with the URL information of the affiliated store and connecting to the payment relay server;
A step of receiving, from the payment relay server, an affiliated store payment screen including payment amount information registered by the affiliated store terminal in the payment relay server; and
Comprising: selecting one payment method among a plurality of payment methods and requesting payment from the payment server of the selected payment method;
The step of requesting payment includes requesting payment directly to a payment server without going through the affiliated store terminal using payment amount information on the affiliated store payment screen and a payment method selected on the customer terminal,
The payment relay server assigns a unique URL to each affiliated store and includes an affiliated store payment screen for each affiliated store mapped to each URL,
The payment relay server receives affiliated store information and payment amount information from the affiliated store terminal, distinguishes which affiliated store the payment is from based on the URL accessed by the customer terminal, and includes affiliated store information and payment amount information of the affiliated store. A step of providing an affiliated store payment screen to the customer terminal,
An integrated payment method characterized in that the customer terminal requests payment from a payment server corresponding to the payment method selected by the customer terminal among a plurality of payment servers. The method of claim 6, wherein the step of requesting payment is,
Displaying at least one payment method available at the affiliated store; and
An integrated payment method comprising: transmitting a payment request including the payment amount information to a payment server when the payment method is selected. An affiliated store terminal that receives payment amount information from the affiliated store owner; and
Upon receiving payment amount information from the affiliated store terminal, a payment relay server that provides an affiliated store payment screen including the payment amount information to a customer terminal connected through an NFC tag or QR code into which the URL information of the affiliated store is input; includes; ,
The customer terminal requests payment directly to the payment server without going through the merchant terminal using the payment amount information on the merchant payment screen and the payment method selected on the customer terminal,
The payment relay server assigns a unique URL to each affiliated store and includes an affiliated store payment screen for each affiliated store that is mapped to each URL,
The payment relay server receives affiliated store information and payment amount information from the affiliated store terminal, distinguishes which affiliated store the payment is from based on the URL accessed by the customer terminal, and includes affiliated store information and payment amount information of the affiliated store. Provide an affiliated store payment screen to the customer terminal,
An integrated payment system wherein the customer terminal requests payment from a payment server corresponding to the payment method selected by the customer terminal among a plurality of payment servers. The method of claim 8, wherein the payment relay server,
A URL and a merchant payment screen for each affiliated store are assigned to each affiliated store, and the affiliated store payment screen identified based on the URL accessed by the customer terminal includes payment amount information received from the affiliated store terminal and is provided to the customer terminal. Integrated payment system.

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