WO2013009063A2

WO2013009063A2 - Payment system using a payment dedicated code and method for same

Info

Publication number: WO2013009063A2
Application number: PCT/KR2012/005437
Authority: WO
Inventors: 박경양
Original assignee: 주식회사 하렉스인포텍
Priority date: 2011-07-08
Filing date: 2012-07-09
Publication date: 2013-01-17
Also published as: WO2013009063A3

Abstract

The present invention relates to a payment system using a payment dedicated code and a method for same. The payment system using a payment dedicated code according to the present invention includes: a franchise terminal receiving a payment dedicated code from an upper layer and outputting it, the payment dedicated code including transaction information including at least one of a Transaction ID (TID), a franchise code, a terminal identification number, a due date, a customer transaction number, a product code, or a transaction amount and information on a transaction type, as transaction data; and a portable terminal requesting a payment through transaction data, which are generated by reading the payment dedicated code outputted by the franchise terminal and payment information, which includes at least one piece of product purchase information from among a payment card, a size, a color, shipping information, financing information, or a transaction password, through an e-wallet program execution.

Description

[Revision 18.07.2012] under Rule 26 Payment system and method using payment only code

The present invention relates to a payment system and a method using a payment-only code, and in particular, a customer (user) uses his or her own portable terminal (eg, a smartphone) with an electronic tag containing specific information installed in a terminal (counter) or a table of a merchant. By using the touch or scan to obtain the information contained in the electronic tag, and providing the obtained information to the upper layer for payment by using a payment-only code that can simplify the payment process according to the purchase of goods or service provision It relates to a payment system and a method thereof.

The conventional card payment is connected to the merchant's point of sale (POS) or by acquiring the card number of the buyer with a single card (credit card, prepaid card, debit card, etc.) payment device (terminal), merchant information In addition to the payment amount, and through the VAN (Value Added Network) company to take the method of requesting authorization to the card company server.

1 is a view illustrating a card payment method centered on a merchant through a conventional merchant terminal and a VAN company.

Referring to FIG. 1, when a credit card is purchased by a consumer at a designated merchant, the card reader of the merchant is connected to a card issuer server through a VAN network to receive a card payment approval and complete a transaction.

The card user 10 holds a card issued from a card company, and the affiliated store is provided with a normal card approval inquiry machine (terminal) 20 for transmitting payment information by accessing a specific VAN company. The card approval inquiry machine 20 and VAN's relay system 30 are connected to a predetermined network (eg, telephone Internet, etc.), and VAN's relay system 30 and the card company's transaction approval system 40 are connected to each other. It is common to connect to a private network.

In the case of using an online payment method through an internet shopping mall instead of an affiliated store, the payment gateway (PG) 30 performs the role of VAN.

The VAN relays the purchase information requested for approval (or cancellation) through the card inquiry machine (terminal) to the affiliated store and the card company, and the PG 30 receives a consignment from a company that conducts business transactions on the Internet. It bills payment companies such as banks and electronic payment companies, receives the payments, and pays them back to the companies that entrusted them.

When a cardholder presents a card to a merchant to pay for goods and requests a purchase, the merchant uses a credit card authorization inquiry device (terminal) to request approval from the card company. At this time, the card approval inquiry machine sends the information of the card user stored in the user's card, the product order information generated by the card approval inquiry machine, the payment amount and the information of the merchant to the VAN company. The VAN company receives the information through the VAN relay system 30.

In order to apply for approval, the VAN relay system 30 having received the payment approval request data reads the card company information contained in the user information in the payment approval request data, and then relates the transaction approval request to the transaction approval system 40 of the card company. Send the data.

The card company's transaction approval system 40 that has received data related to the transaction approval request compares the user information, product order information, payment amount, and merchant information included in the data related to the transaction approval request with its member data or merchant data, respectively. Check if the transaction between the cardholder and the merchant is valid.

The card company's transaction approval system 40 transmits the transaction approval result for the transaction approval request to the VAN relay system 30 relaying the payment approval request, and the VAN relay system 30 stores the approval number data. Send to the relevant transaction inquiry of the affiliated store.

The card transaction inquiry machine prints the payment result on the card bill and notifies the card user based on the transmitted authorization data.

In the payment method using such a card, when a card user provides information such as the card number, expiration date, and card issuer necessary for the card payment approval to a terminal installed in a merchant, the merchant requests a transaction approval from the merchant through the VAN company. The payment is made based on the approved result.

However, this conventional method is inconvenient to have a card for use by the card user, financial information including the customer's payment card unique number may be exposed to the merchant, the occurrence of a financial accident using the customer's card information In addition, there is a problem that the risk of copying payment card information by a third party increases, and the possibility of personal information leaking cannot be excluded.

In addition, since the customer passes the card even before confirming the specific payment details and performs the final check with the printed bill, the customer may make a payment without recognizing even if an error occurs in the product or the amount to be paid.

The present invention was created to improve the above problems, not only can use the card payment regardless of membership, but also use the payment-only code to check all the information necessary for the transaction on the portable terminal and secure payment It is an object of the present invention to provide a payment system and a method thereof.

In addition, another object of the present invention is easy by reading a payment-only code, such as QR code, barcode, wireless tag or NFC (Near Field Communication) recorded transaction information and transaction type information required for card payment The present invention provides a payment system and a method using a payment-only code.

In addition, another object of the present invention is the electronic tag by the customer (user) touch or scan the electronic tag containing the specific information installed in the terminal (counter) or table of the merchant using his portable terminal (for example, a smartphone) To provide a payment system and a method using a payment-only code that can simplify the payment process according to the purchase of goods or service provision by acquiring the information contained in the information, and providing the obtained information to a higher layer for payment. have.

Payment system using a payment-only code according to an embodiment of the present invention to achieve the above object,

Outputs transaction-specific code including transaction ID (TID), merchant code, terminal identification number, delivery date, customer transaction number, commodity code and transaction amount and transaction type information as transaction data An affiliated store terminal; And

The transaction information generated by reading the payment-only code output by the merchant terminal by executing the electronic wallet program and the payment information including the product purchase information including the card, size, color, shipping address, installment information, and transaction password to be paid It includes; a portable terminal having.

Here, the payment-only code may be any one of a QR code, a barcode, a wireless tag, and NFC (Near Field Communication).

The payment server may further include a vendor server generating a transaction serial number for the corresponding payment content and requesting approval from the financial server associated with the card to be settled, wherein the vendor server sends the approval result of the financial server to the affiliated store. The payment result is transmitted to the portable terminal at the same time.

In addition, the vendor server stores one or more card information for each unique identification number of the portable terminal, and transmits the card information to the portable terminal when the payment-only code is read by the portable terminal.

In addition, the merchant terminal sends the transaction data to the vendor server to request payment processing, the vendor server generates a transaction serial number from the transaction data sent by the merchant terminal and stores the transaction data by transaction serial number The merchant terminal receives the result of the payment processing requested from the vendor server as the payment-only code including the transaction serial number and the transaction serial number.

In addition, the merchant terminal transmits the transaction data to the vendor server to request payment processing, the vendor server generates a transaction serial number from the transaction data sent by the merchant terminal, the merchant terminal from the vendor server Receiving the transaction serial number and generates a result of the payment processing requested to the vendor server to the payment-only code including the transaction serial number and the transaction serial number.

In addition, the affiliated store terminal outputs a payment-only code received from the vendor server as a bill or on a monitor or sign pad screen.

In addition, the portable terminal compares the payment information read from the payment-only code output to the bill with the transaction data stored in the vendor server as payment information, and confirms the verified payment information to the vendor server after authentication. do.

In addition, when the portable terminal reads a payment-only code and reads it as a paper payment when generating transaction data, the portable terminal reads the delivery date and replaces the amount after the payment with the transaction amount if the payment request date exceeds the delivery date.

Further, the portable terminal transmits the transaction data read from the payment-only code to the vendor server, and the vendor server notifies the affiliated store terminal of the terminal identification number together with the merchant code or product code obtained from the transaction data. Display membership status and product purchase information.

In addition, the affiliated store terminal checks the member availability and the product purchase information using the terminal identification number, merchant code or product code from the payment-only code received from the vendor server, and transmits the decision items accordingly to the portable terminal, The portable terminal requests the vendor server for approval of payment information generated by inputting information necessary for purchasing a product according to the determination item.

In addition, the merchant terminal is configured to the transaction data and the transaction serial number for the merchant terminal generated for the transaction data as the payment-only code, the portable terminal reads the payment-only code.

In addition, the portable terminal generates payment information with information on the transaction data read from the payment-only code and the card information to be used for payment received from the vendor server, and transmits the generated payment information to the vendor server to approve payment. Ask.

In addition, the vendor server generates a transaction serial number for the vendor server when a payment approval is requested from the portable terminal, and requests an approval to the financial server of the card to pay with the generated transaction server serial number.

In addition, the electronic wallet program is executed by touching the wireless terminal of the mobile terminal with the merchant terminal.

In addition, the information on the transaction type may be a merchant payment.

In addition, a payment system using a payment-only code according to another embodiment of the present invention,

It is installed in the terminal (counter) or hall table of the affiliated store and is a payment-only code, and contains information including an affiliated store code, a point of sale (POS) number, a credit authorization terminal (CAT) terminal number, and a table number. tag;

A merchant terminal having transaction data related to payment for purchasing an item or receiving a service by a customer (user); And

And a portable terminal for touching the electronic tag to obtain information contained in the electronic tag for payment.

Here, the electronic tag may include a tag having a Near Field Communication (NFC) or Quick Response (QR) code as a payment-only code.

In addition, the transaction information includes a POS code, a CAT terminal number, a table number, a payment request amount, a payment request date and time, and purchase information together with a merchant code.

In addition, the transaction data is received from the merchant terminal, compares the information contained in the received transaction data and the information stored in its database (DB) to determine whether the match, and if the information of both match, payment It may further include a vendor server (service provider server) for requesting approval to the financial server associated with the card, and transmitting the approval result from the financial server to the merchant terminal and the portable terminal, respectively.

The vendor server (service provider server) may include a payment server for payment and a VAN server for data communication with an external system or device. The payment server includes a database (DB), and the database (DB) stores merchant payment request information.

In addition, the financial server may be configured to include the vendor server (service provider server).

In addition, the merchant payment request information includes a merchant code, POS number, payment request date and time, server reception date and time, purchase information, and other information.

In addition, a payment method using a payment-only code according to an embodiment of the present invention to achieve the above object,

Transaction information including transaction ID (TID), merchant code, terminal identification number, delivery date, customer transaction number, product code and transaction amount, and transaction type of merchant payment as transaction data A payment method using a code, the method comprising: (a) reading the payment-only code in a portable terminal; (b) transmitting the information on the transaction data read in step (a) to a vendor server and requesting payment; (c) the vendor server generating the transaction serial number and requesting an authorization from the financial server associated with the card to be settled when the portable terminal requests a payment; and (d) the vendor server receives the approval result of the financial server. And transmitting the payment result to the portable terminal at the same time as transmitting to the merchant terminal.

Here, the step (b) is (b-1) generating a transaction data by reading the payment-only code; (b-2) receiving and displaying card information for each unique identification number of the portable terminal stored in the vendor server; (b-3) selecting a card to be used for payment from the displayed card information and including it in payment information; And (b-4) requesting payment by transmitting the payment information including the card information of step (b-3) to the vendor server.

In addition, the step (a) is (a-1) requesting a payment to the merchant terminal; (a-2) requesting payment to the vendor server by selecting an electronic wallet as a payment means in the affiliated store terminal; (a-3) the vendor server generating a transaction serial number and information on transaction data as a payment-only code and transmitting the transaction-specific code to the affiliated store terminal; And (a-4) outputting the payment-only code in a bill on the merchant terminal or on a monitor or a sign pad screen.

In addition, the step (a) is (a-1) requesting a payment to the merchant terminal; And (a-2) generating a transaction serial number for the merchant terminal for the corresponding transaction data in the merchant terminal and generating the transaction serial number for the merchant terminal and the information on the transaction data as a payment-only code. It outputs to the bill or output to the monitor or the sign pad screen; includes.

In addition, step (b) comprises the steps of (b-1) generating and displaying the transaction data read in step (a); (b-2) correcting the transaction data by reading the delivery date from the displayed transaction data and replacing the amount after the delivery date with the transaction amount if the payment request date has passed the delivery date; And (b-3) requesting payment by transmitting information on the modified transaction data to a vendor server.

In addition, the step (b) is (b-1) generating the transaction data by reading the payment-only code; (b-2) transmitting the generated transaction data to a vendor server; (b-3) controlling, by the vendor server, notifying the affiliated store terminal of the terminal identification number included in the transaction data and the affiliated store code or the product code obtained from the transactional data to confirm the membership; (b-4) The affiliated store terminal receives the terminal identification number, the affiliated store code or the product code from the vendor server to confirm the membership status and the product purchase information, and determine a decision item according to the membership status and the product purchase information. Transmitting to; And (b-5) the mobile terminal generating the input payment information according to the received decision item and requesting approval from the vendor server.

In addition, the step (b-5) (b-51) receiving the card information for each unique identification number of the terminal stored in the vendor server and displaying on the portable terminal; (b-52) selecting a card to be used for payment from the displayed card information; (b-53) generating payment information including the card selected in the step (b-52); And (b-54) the portable terminal transmitting the payment information generated in the step (b-53) to the vendor server and requesting approval.

In addition, a payment method using a payment-only code according to another embodiment of the present invention to achieve the above object,

It is installed in the terminal (counter) or hall table of the affiliated store and is a payment-only code, and contains information including an affiliated store code, a point of sale (POS) number, a credit authorization terminal (CAT) terminal number, and a table number. A payment method by a payment system using a payment-only code, comprising a vendor server (service provider server) having a tag, a merchant terminal, a portable terminal, and a database (DB),

(a) transmitting, by the merchant terminal, transaction data related to payment for purchasing goods or receiving a service by a customer (user) to the vendor server (service provider server);

(b) As transaction data reception completion information is provided from the vendor server (service provider server) to the affiliated store terminal, the information contained in the electronic tag is obtained by touching the electronic tag for payment by the portable terminal. Transmitting the obtained information to the vendor server (service provider server);

(c) comparing the information contained in the payment-only code received from the portable terminal by the vendor server (service provider server) with the information stored in its database (DB) and stored in the database (DB); Transmitting the data to the portable terminal;

(d) after confirming the transaction data received from the vendor server (service provider server) by the portable terminal, if the information is identical, payment request information including a card to be settled from the portable terminal from the vendor server (service provider server); Transmitting); And

(e) requesting approval by transmitting the payment request information received from the portable terminal by the vendor server (service provider server) to the corresponding financial server, and receiving the approval result from the corresponding financial server to receive the merchant terminal and the portable terminal. Transmitting each to a network.

In addition, the data contained in the database (DB), the data corresponding to the date of the most recent payment request compared to the current time, or the data corresponding to the merchant code and POS number or CAT terminal number or table number.

According to the present invention as described above, not only a member but also a portable terminal equipped with an electronic wallet program having a payment-only code reading function can easily make payments and perform card payments without leaking personal information. It can be effective.

In addition, by reading the payment-only code can read and display all information about the transaction data, including transaction information and transaction type, there is an effect that can pay the card while checking the payment details.

In addition, anyone can use it conveniently because it can be used for all payments that can display payment information with payment codes such as QR codes, barcodes, wireless tags, or NFC, such as offline merchant payment, Giro paper payment, catalog payment, TV home shopping payment, etc. It can be effective.

In addition, a customer (user) touches or scans an electronic tag containing specific information installed in a terminal (counter) or a table of a merchant using his portable terminal (eg, a smartphone) to obtain information contained in the electronic tag. In addition, by providing the obtained information and payment related information to a higher layer, it is possible to further simplify the payment process according to the purchase of goods or the provision of a service.

2 is a main configuration of a payment system using a payment-only code according to an embodiment of the present invention.

FIG. 3 is a flowchart illustrating a payment method in an offline affiliated store using the apparatus of FIG. 2.

FIG. 4 is a flowchart for explaining a paper-based payment method using the apparatus of FIG. 2.

5 is a flowchart illustrating a catalog and home shopping payment method using the apparatus of FIG. 2.

6 is a flowchart illustrating a payment method in an offline affiliated store according to another embodiment of the present invention.

7 is a view schematically showing the configuration of a payment system using a payment-only code according to another embodiment of the present invention.

FIG. 8 is a diagram illustrating an internal configuration of a vendor server (service provider server) in the payment system using the payment only code of FIG. 7.

9 is a flowchart illustrating an execution process of a payment method using a payment-only code according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention. However, embodiments of the present invention may be modified in various other forms, and the scope of the present invention is not limited only to the embodiments described below. Shapes and sizes of the elements in the drawings may be exaggerated for clarity, elements denoted by the same reference numerals in the drawings are the same elements.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

2 is a main configuration of a payment system using a payment-only code according to an embodiment of the present invention, the payment system using a payment-only code according to the present invention reads a payment-only code in which information on transaction data is recorded and settled. It includes a portable terminal 110 for proceeding the request, a vendor server 130 for requesting approval to the financial server 140 through the Internet network 160 in the payment request, and a merchant terminal 120 operated by POS. It is configured by.

In the present invention, the payment-only code is code information including transaction information and transaction type information as transaction data, and may be any one of a QR code, a barcode, a wireless tag, and NFC (Near Field Communication). have.

In addition, the transaction information includes a transaction ID (TID) for a merchant terminal, a transaction ID (TID) for a vendor server, a merchant code, a terminal identification number, a delivery date, a customer transaction number, a product code, and a transaction amount. That is, the transaction type is the data that the payment type is the merchant payment in the present invention described as a separate transaction type is managed as information, but this may be managed by including in the merchant code.

A transaction ID (TID) for a vendor server is also called a transaction ID, and is a unique transaction that is generated upon approval request for each transaction in the mobile terminal 110 or the merchant terminal 120 and used for the approval request to the corresponding financial server. A number, usually 40 digits or more, used for error tracking or inquiry of a transaction, and refers to information necessary for cancellation.

A transaction ID (TID) for a merchant terminal refers to a unique transaction number generated for a transaction occurring directly between the merchant terminal and a portable terminal.

Merchant code refers to a code made up of all the stores registered in the vendor server 130 in English or numbers, or a combination thereof, and the PG of the vendor server 130 classifies merchants with this merchant code to process transactions. .

The terminal identification number generally refers to the mobile number of the portable terminal 110, but any unique identification number that can be identified for each portable terminal can be used.

As described, the transaction type is whether the payment is made using a payment-only code presented at an offline merchant, a payment using a payment-only code recorded on a giro paper, a payment using a payment-only code recorded in a catalog, or In TV home shopping, this is to distinguish whether the payment is made using the payment-only code displayed at the bottom of the screen, and the information provided to recognize the payment method and provided information is partially changed depending on the payment type.

The mobile terminal 110 executes an electronic wallet program (hereinafter referred to as a 'mobile wallet APP') so that a reader capable of reading a payment-only code output by the merchant terminal 120 is operated to perform the corresponding payment-only. Display the transaction information generated by reading the code and the purchase information, including the purchase data including the card, size, color, shipping address, installment information and transaction password to be settled, and the vendor server 130 with the entered payment information. Make a payment request to. Although the electronic wallet program may directly drive the portable terminal 110, the electronic wallet program may be driven by touching the wireless terminal with a wireless tag.

The reader is a device for reading transaction information and transaction type information recorded in a payment-only code, and a portable terminal for reading a conventional QR code, barcode, wireless tag, or near field communication (NFC). When the 'Mobile Wallet APP' is executed in 110, the detailed description thereof is omitted since it is possible to execute a program that can read a payment-only code, such as a QR code reader, a barcode reader, a wireless tag reader, or an NFC reader.

That is, a transaction that includes transaction ID (TID), merchant code, terminal identification number, delivery date, customer transaction number, commodity code and transaction information indicating transaction amount and transaction type indicating merchant payment. It can be configured to read the payment-only code recorded with the information on the data.

The vendor server 130 is configured to generate a transaction serial number (TID) for the vendor server and request authorization to the financial server 140 associated with the card to be settled when the payment is requested, and the merchant receives the approval result of the financial server 140. It may be configured to transmit to the terminal 120 or the portable terminal 110.

The vendor server 130 stores one or more card information for each terminal identification number of the portable terminal 110, the portable terminal 110 reads the payment-only code and is connected to the portable terminal 110 and the portable Read the stored card information by checking the terminal identification number of the terminal 110 and transmits the card information to the corresponding portable terminal 110, the portable terminal 110 is configured to select the card to pay from the transmitted card information .

As a result, customers can make payments without additional card information, thereby preventing the leakage of information.

Merchant terminal 120 is a terminal for making a payment while sending and receiving payment-related information, the merchant registered in the vendor server 130, such as a normal merchant POS or CAT, the customer having a mobile terminal 110 If requested, select the electronic wallet as a payment method and request the payment processing to the vendor server 130, and the vendor server 130, the transaction serial number (TID) and the transaction serial number (TID) and / or transaction data related to the transaction It is operated to receive the payment-only code included in the vendor server 130.

That is, the merchant terminal 120 transmits the transaction data to the vendor server 130 to request payment processing, and the vendor server 130 generates a transaction serial number from the transaction data transmitted by the merchant terminal 120 and executes the transaction serial. The transaction data is stored for each number, and the merchant terminal 120 receives the result of the payment processing requested by the vendor server 130 as a payment-only code including a transaction serial number and a transaction serial number.

Here, after the vendor server 130 generates the transaction serial number, the merchant terminal 120 receives the transaction serial number from the vendor server 130 and transmits the transaction serial number to the result of the payment processing requested by the vendor server 130. You can also generate a payment-only code that contains the transaction serial number.

The merchant terminal 120 may store the information necessary for payment in the state provided with its own server and read and use it when necessary, but in the embodiment of the present invention, all the information is stored in the merchant terminal 120 for convenience of description. Explain to manage.

In addition, the merchant terminal 120 outputs the payment-only code received from the vendor server 130 as a bill or a monitor or a sign pad screen to read the payment-only code in the portable terminal 110, thereby displaying the transaction data Configure to verify.

Accordingly, the portable terminal 110 transmits the transaction serial number read from the payment-only code to the vendor server 130, and the vendor server 130 reads and compares the transaction data for each transaction serial number previously stored and the portable terminal 110. The card is operated to read a card held by the customer stored in the terminal identification number obtained when the payment-only code is read.

In this way, the transaction data and the card information to be used for payment in the vendor server 130 is transmitted back to the portable terminal 110 is configured to create the payment information.

In addition, the portable terminal 110 reads the payment-only code and if the transaction type is recognized as payment for Giro paper, reads the delivery date recorded on the Giro paper when transaction data is generated. It is operated to display by replacing the transaction amount.

When the transaction type is recognized as a catalog payment or TV home shopping payment, that is, when it is determined that there is a benefit according to whether or not a member is registered, the mobile terminal 110 reads the transaction information read from the payment-only code from the vendor server ( And the vendor server 130 notifies the affiliated store terminal 120 of the affiliated store code or the product code obtained from the terminal identification number and the transaction information, and the affiliated store terminal 120 uses the received terminal identification number. It is to check the product purchase information according to whether or not and the product code and to reflect the contents in the payment information to process.

Specifically, when the merchant terminal 120 receives the terminal identification number from the vendor server 130, the mobile terminal checks the membership status and purchases the product purchase information which is the decision item for the corresponding product through the decision item or the product code according to the membership status. The mobile terminal 110 transmits information to the final vendor server 130 to generate payment information in which information necessary for purchasing a product is input according to the received decision item.

In an embodiment of the present invention, the merchant terminal 120 that detects the membership is described as transmitting the corresponding information to the portable terminal 110. In this case, the merchant terminal 110 determines a vendor item according to the membership of the vendor server. Of course, the vendor server 130 may transmit the data to the portable terminal 110 and transmit the related data to the portable terminal 110.

Hereinafter, the payment method using the payment-only code of the present invention using the above-described configuration will be described with reference to the drawings.

In the present invention, a payment method using a payment-only code includes a transaction ID (TID), a merchant code, a terminal identification number, a delivery date, a customer transaction number, a product code, and a transaction amount including a transaction amount. Using the payment-only code containing the information as a transaction data, and read the payment-only code in the portable terminal 110, and sends the read transaction data to the vendor server 120 to request the payment, the vendor server 130 At the same time generates a transaction serial number (TID) is requested to the financial server associated with the card to be paid for approval is made to transmit the approved result to the merchant terminal 120 and the portable terminal 110.

Using the payment method using the payment-only code of the present invention will be described in the offline merchant payment method.

3 is a flowchart illustrating a payment method in an offline affiliated store, and a customer who subscribes to a mobile WAllet makes a payment request after displaying a willingness to make a payment to a cashier after finishing a meal at an outback steak (S210).

Or after the customer finishes a meal, he or she will go to the checkout with the POS or CAT installed to pay the cashier.

Thereafter, the clerk inputs information on the transaction data including the transaction information and the transaction type described above while proceeding with the payment process using the affiliated terminal 120 (S211).

In step S211, the data on the transaction type may be set in the merchant terminal so that the input process may be omitted, and the information on the transaction type may be included in one of the merchant code or transaction information and output. Of course.

Since this is a predetermined item according to the offline merchant payment, if the transaction type is configured to include the transaction type in any one of the transaction information including the merchant code, the merchant terminal 120 only needs to input simple transaction information such as the transaction amount. will be.

In addition, the merchant code of the transaction information can be automatically generated and included in the transaction data.

When all relevant transaction information is input in step S211, the merchant terminal 120 selects a mobile wallet as a payment method and transmits the corresponding transaction data to the vendor server 130 to request payment approval (S213).

The vendor server 130 generates and stores a transaction serial number (TID) for the transaction data requested by the merchant terminal 120, and simultaneously generates transaction data and transaction serial number (TID) related to payment as a payment-only code. In operation S214, a payment-only code including a transaction serial number (TID), transaction data, and a transaction serial number (TID) generated in step S214 is transmitted to the affiliated store terminal 120 (S215).

Thereafter, the merchant terminal 120 outputs the payment-only code as a bill or outputs the monitor or sign pad screen (S216).

When the customer reads the payment-only code output by driving the 'mobile wallet APP' using the mobile terminal 110, the terminal identification number and transaction serial number (TID) of the corresponding mobile terminal 110 are read and the vendor server (S219), the vendor server 130 is stored in the transmitted transaction serial number (TID) is read and compared with the transaction data, and at the same time, the card can be paid using the transmitted terminal identification number Read (S220) and transmit the transaction data and card information to the portable terminal 110 (S221) and the transmitted data is displayed as payment information is operated to modify or add the content (S222).

Information displayed on the portable terminal 110 in step S222 is a card or installment information to display and include data contained in the transaction data, such as transaction type (offline transaction), transaction serial number, merchant code, product code, and transaction amount If there is a product purchase information to be added, such as, and the transaction password to add to create a payment (S223).

When the payment is confirmed in step S223, the customer performs a procedure necessary for identity authentication in the portable terminal 110 (S224) and then confirms the payment (S225), the portable terminal 110 is the vendor server 130 of Harex The payment information is transmitted to (S226).

When the payment information is transmitted from the portable terminal 110, the vendor server 130 requests an approval to the financial server 140 of the card-related financial company to pay (S227), and the approved result is notified to the affiliated store terminal 120. At the same time it is operated to confirm by transmitting to the portable terminal of the customer (S228 ~ S229).

In the present embodiment, the payment-only code is generated in the vendor server 130 and the merchant terminal 120 receives it and outputs it to the bill. However, the relevant information necessary for payment is received from the vendor server 130 and is based on this. Of course, the merchant terminal 120 can generate and output the payment-only code directly.

Hereinafter, referring to the drawings, a process of generating a payment-only code directly at a merchant terminal with reference to the drawings will be described with reference to the drawings.

6 is a flowchart illustrating a payment method in an offline affiliated store according to another embodiment of the present invention. As shown in the drawing, a customer who subscribes to a mobile WAllet is sitting at a table after completing a meal at an outback stake and pays to a cashier. After displaying the intention, a payment request is made (S310).

Thereafter, the clerk inputs information on transaction data including transaction information and transaction type while proceeding with payment processing using the merchant terminal 120 (S311).

In this case, the data on the transaction type may be set in the merchant terminal so that the input process may be omitted, and the information on the transaction type may be included in one of the merchant code or transaction information and output. Of course, merchant code can also be automatically generated and included in the transaction data.

When all relevant transaction information is input in step S311, the merchant terminal 120 generates a merchant serial number (TID) for the merchant terminal and includes the generated merchant serial number (TID), merchant code, and transaction amount at the same time. Generate the transaction data as a payment-only code and output it on the bill or output on the monitor or sign pad screen (S312).

The bill in which the payment-only code output in step S312 is recorded is transmitted to be read by the portable terminal 110 (S313), and the portable terminal 110 is recorded in the output bill by driving the 'mobile wallet APP'. The payment only code is read (S315).

At step S315, the portable terminal 110 reads the payment-only code, and at the same time, the portable terminal 110 is connected to the vendor server 130 of Harex and the terminal identification number is transmitted (S315).

The vendor server 130 having obtained the terminal identification number retrieves the card information of the customer stored in the terminal identification number and transmits the corresponding card information to the portable terminal 110 (S316 to S317).

The mobile terminal 110 receiving the card information displays the transaction data read from the card information and the payment-only code and adds the card or installment information and the product purchase information such as the transaction password to generate the payment information. (S318).

When the payment contents to be confirmed in step S318 is confirmed, the customer performs a procedure necessary for identity verification in the portable terminal 110 and then confirms the payment (S319). The portable terminal 110 is connected to the vendor server 130 of Harex. The payment information is transmitted (S320).

The vendor server 130 generates and stores a transaction serial number (TID) for the vendor server for the transaction when the payment information is transmitted from the portable terminal 110 (S321), and the financial server 140 of the card-related financial company to pay for the transaction. The request for approval to the (S322), the approved result is notified to the merchant terminal 120 and at the same time sent to the customer's portable terminal 110 is operated to confirm (S323 ~ S324).

In this case, the transaction serial number (TID) for the affiliated store terminal is additionally transmitted to the approval result notified to the affiliated store terminal 120, so that the store owner can easily check the transaction details.

On the other hand, using the payment method using the payment-only code of the present invention will be described with respect to the land paper payment method.

Figure 4 is a flow chart for explaining the payment method for giro paper, as shown, the payment-only code by driving the 'mobile wallet APP' of the mobile terminal 110, the payment-only code is recorded on the paper. Read (S230) and the read transaction data to display the transaction data so that the customer can check (S231).

In step S230, as described above, the portable terminal 110 reads the payment-only code and is connected to the vendor server 130 of Harex to receive card information to be paid according to the terminal identification number from the vendor server 130. When displaying transaction data in step S231, the card information is also displayed.

When the portable terminal 110 is read as a paper payment in the transaction type recorded in the payment-only code, it is determined whether the delivery date has elapsed from the transaction data displayed in step S231 (S232).

This is a process for claiming a negligible fee when the specified delivery date recorded on the Giro paper has elapsed. If the payment request date exceeds the delivery date as a result of reading the delivery date in step S232, the amount after the delivery date is replaced with the transaction amount. It should be included in the transaction data (S233).

After confirming the information on the transaction data including the payment amount read in step S231 or step S233, select the card to pay, and then generate the payment information necessary for payment to the vendor server 130 to request the payment (S234 ~ S236).

The vendor server 130 receiving the payment information in step S236 generates a transaction serial number (TID) related to the transaction (S237) and makes an authorization request to the financial server 140 of the financial company associated with the card to be paid (S238). ), The approved result is notified to the merchant terminal 120 and at the same time sent to the customer is confirmed to operate (S239 ~ S240).

And, using the payment method using the payment-only code of the present invention will be described in the catalog payment or TV home shopping payment method.

5 is a flowchart illustrating a catalog and a home shopping payment method, as shown in FIG. 5, by driving the 'mobile wallet APP' of the mobile terminal 110 to read the payment-only code displayed on the screen of the catalog or TV home shopping (S250). ) The read transaction data is displayed for the customer to check (S251).

At this time, the mobile terminal 110 reads the payment-only code in step S250 and is connected to the vendor server 130 of Harex to receive card information to be paid according to the terminal identification number from the vendor server 130 and step S251. When displaying the transaction data in the card should also display card information.

The portable terminal 110 transmits the read transaction data to the vendor server 130 when the transaction type is confirmed as a home shopping payment or a catalog payment from the payment-only code (S252).

The vendor server 130 obtains a merchant code or a product code from the terminal identification number and the transaction data obtained at the moment when the portable terminal 110 reads the payment-only code in step S250 (S253), and then the corresponding merchant terminal 120. In step (S254), the merchant terminal 110 confirms the membership by using the terminal identification number and confirms the product purchase information by the product code (S255).

The merchant terminal 120 checks the decision item for the corresponding product through the membership status or the product code and transmits the benefit information and the product purchase information according to the membership status to the portable terminal 110 (S256), and the portable terminal 110. The user can select the card to be paid at the same time as inputting the received member benefit information and product purchase information required for the product purchase (S257).

Particularly, since catalog payment or TV home shopping payment is related to a product, it is configured to input product purchase information such as size, color, destination, installment information, etc. of the corresponding product.

It is convenient to store the information on the delivery address among the product purchase information in a portable terminal so that it can be called and inputted when necessary.

After selecting all the payment information including the product purchase information in step S257 (S258), the portable terminal 110 checks the final payment information and requests the payment to the vendor server 130 (S260).

The vendor server 130 receiving the payment information in step S260 generates a transaction serial number (TID) related to the transaction and makes an authorization request to the financial server 140 of the financial company associated with the card to be settled (S261). The result is notified to the merchant terminal 120 and at the same time is transmitted to the customer to check (S262 ~ S263).

Due to the nature of the catalog or TV home shopping, the vendor server (300) is notified of the result of the approval of the merchant to deliver the product (S264).

On the other hand, Figure 7 is a diagram schematically showing the configuration of a payment system using a payment-only code according to another embodiment of the present invention.

Referring to FIG. 7, a payment system using a payment-only code according to another embodiment of the present invention includes an electronic tag 710, an affiliated store terminal 720, and a portable terminal 730.

The electronic tag 710 is installed in a terminal (counter) of a merchant or a table of a hall. The electronic tag 710 includes a merchant code, a point of sale (POS) number, a credit authorization terminal (CAT) terminal number, and a table number. At least one piece of information is stored. The electronic tag 710 may include a tag having a Near Field Communication (NFC) or Quick Response (QR) code as a payment-only code. In addition, the electronic tag 710 (wireless tag or NFC) is not limited to being installed in a terminal (counter) of a merchant or a table of a hall, and may be attached to a bill board in some cases.

The affiliated store terminal 720 stores transaction data (eg, transaction data including information on transaction information, transaction type, etc.) related to payment for purchasing an item or receiving a service by a customer (user). Through 760, the information is transmitted to a higher layer (a vendor server (service provider server) 740 described later). Here, the transaction information includes a merchant code, a POS number, a CAT terminal number, a table number, a payment request amount, a payment request date and time, and purchase information.

The portable terminal 730, as the transaction data reception completion information is provided from the upper layer (here vendor server (service provider server) 740 to be described later) to the merchant terminal 720, the electronic tag for payment The information contained in the electronic tag 710 is obtained by touching or scanning 710, and the obtained information is transmitted to the upper layer.

In this case, preferably, the transaction data is received from the affiliated store terminal 720, and the information included in the received transaction data is compared with the information stored in its database (DB) to determine whether there is a match. If the information is matched to the financial server 750 associated with the payment card to request authorization through the Internet network 760, and the authorization results from the financial server 750 the merchant terminal 720 and the portable terminal ( The server 730 may further include a vendor server (service provider server) 740 respectively transmitting through the Internet network 760.

Here, the vendor server (service provider server) 740, as shown in Figure 8, the Ub Pay (ubiquitous mobile pay) payment server 741 for payment payment and the external system or device It may be configured to include a VAN server 742 for data communication. In addition, the Ubipay payment server 741 has a payment request database (DB) 743 that stores at least merchant payment request information. In addition, the financial server 750 may be configured to include the vendor server (service provider server) 740. In addition, the merchant payment request information includes merchant code, POS number, payment request date and time, server reception date and time, purchase information, and other information.

In addition, the vendor or service provider may be a processing company such as a financial institution, a PG company, or a VAN company.

9, a payment method using a payment-only code according to another embodiment of the present invention is a payment method by a payment system using a payment-only code as described above. That is, an electronic tag 710 installed at a terminal (counter) of a merchant or a table in a hall and containing at least one information among a merchant code, a point of sale (POS) number, a credit authorization terminal (CAT) terminal number, and a table number. And a vendor server (service provider server) 740 having a merchant terminal 720, a portable terminal 730, and a database (DB). First, the merchant terminal 720 transmits transaction data (e.g., transaction data including information about transaction information, transaction type, etc.) related to payment for purchasing an item or receiving a service by a customer (user). The server transmits to the vendor server (service provider server) 740 (step S901). That is, when a customer (user) who has received an item purchase or service requests the cashier (counter) of the counter to pay Ubipay for payment of the item purchase (or service provision) at the merchant counter (or order desk), the cashier The POS (or CAT) confirms the price of the goods and requests payment by ubiquity.

In addition, the vendor server (service provider server) 740 provides the transaction data reception completion information to the affiliated store terminal 720 (step S902), and accordingly the electronic tag for payment by the portable terminal 730. Touch or scan 710 to obtain information (merchant code, POS number or CAT terminal number) contained in the electronic tag 710, and transmit the obtained information to the vendor server (service provider server) 740 (Step S903).

Accordingly, the vendor server (service provider server) 740 is the information (merchant code, POS number or CAT terminal number) contained in the payment-only code received from the portable terminal 730 and its database (DB). (In this case, the payment request DB (743)) compares the information (merchant code, POS number or CAT terminal number), if the two information match the transaction data (for example, the most recent of the merchant / POS) Transaction data) is transmitted to the portable terminal 730 (step S904).

Then, the mobile terminal 730 checks the transaction data received from the vendor server (service provider server) 740 (that is, after confirming by the user of the mobile terminal 730), if the information is matched to pay Payment request information including a card (for example, a merchant code, a POS number, a phone number, a PIN, etc.) is transmitted to the vendor server (service provider server) 740 (step S905).

As a result, the vendor server (service provider server) 740 transmits the payment request information received from the portable terminal 730 to the corresponding financial server 750 to request approval (step S906), and the corresponding financial server ( Receive the approval result from the 750 and transmits to the merchant terminal 720 and the portable terminal 730, respectively (step S907). Accordingly, the customer (user) can complete the transaction for the purchase of the goods and the service provided.

In the above series of processes, the payment-only code may be any one of a QR code, a barcode, a wireless tag, and Near Field Communication (NFC).

In addition, the electronic tag 710 may include a tag having a Near Field Communication (NFC) or Quick Response (QR) code as a payment-only code.

In addition, the information included in the payment-only code received from the portable terminal 730 by the vendor server (service provider server) 740 in the step S903 and information stored in its database (DB) 743. In the comparison and transmission of the data, the data contained in the database (743) 743 that corresponds to the most recent payment request date, or merchant code and POS number or CAT terminal number or Send the data corresponding to the table number.

As described above, according to the payment system and the method using the payment-only code of the present invention, even if not a member of a merchant or home shopping, a mobile terminal that registers its card with a vendor server and can drive a 'mobile wallet APP'. Carrying customers can easily and securely make payments without having to carry a card without leaking information.

The present invention is not limited by the above-described embodiment and the accompanying drawings. It is intended that the scope of the invention be defined by the appended claims, and that various forms of substitution, modification, and alteration are possible without departing from the spirit of the invention as set forth in the claims. Will be self-explanatory.

Claims

Outputs transaction-specific code including transaction ID (TID), merchant code, terminal identification number, delivery date, customer transaction number, commodity code and transaction amount and transaction type information as transaction data An affiliated store terminal;

The transaction information generated by reading the payment-only code output by the merchant terminal by executing the electronic wallet program and the payment information including the product purchase information including the card, size, color, shipping address, installment information, and transaction password to be paid Having a portable terminal; And

A vendor server generating a transaction serial number for a corresponding payment and requesting an authorization from a financial server associated with the card to be paid when receiving a payment request from the portable terminal with the payment information;

Including,

The vendor server transmits the settlement result to the portable terminal while simultaneously transmitting the approval result of the financial server to the affiliated store terminal.

Payment system using payment only code.
The method of claim 1,

The payment only code

Payment system using a payment-only code, which is any one of QR code, barcode, wireless tag or NFC (Near Field Communication).
The method of claim 1,

The vendor server stores one or more card information for each unique identification number of the portable terminal, and transmits the card information to the corresponding portable terminal when the payment-only code is read in the mobile terminal, the payment-only code.
The method of claim 3,

The merchant terminal sends the transaction data to the vendor server to request payment processing, the vendor server generates a transaction serial number from the transaction data sent by the merchant terminal and stores the transaction data by transaction serial number, The merchant terminal receives a result of the payment processing requested to the vendor server as the payment-only code including the transaction serial number and the transaction serial number, payment system using a payment-only code.
The method of claim 3,

The merchant terminal sends the transaction data to the vendor server to request payment processing, the vendor server generates a transaction serial number from the transaction data sent by the merchant terminal, and the merchant terminal sends the transaction from the vendor server. And receiving a serial number and receiving a result of the payment processing requested from the vendor server as the payment-only code including the transaction serial number and the transaction serial number.
The method of claim 4, wherein

The merchant terminal outputs a payment-only code received from the vendor server as a bill or a monitor or a sign pad screen, payment system using a payment-only code.
The method of claim 6,

The portable terminal compares the payment information read from the payment-only code output to the bill with the transaction data stored in the vendor server as payment information, and requests the approval of the confirmed payment information to the vendor server after authentication. , Payment system using the payment only code.
The method of claim 3,

When the portable terminal reads a payment-only code and reads it as a paper money payment when generating transaction data, it reads the delivery date and replaces the amount after payment with the transaction amount if the payment request date exceeds the delivery date. Payment system.
The method of claim 3,

The portable terminal transmits the transaction data read from the payment-only code to the vendor server, and the vendor server notifies the affiliated store terminal of the terminal identification number along with the merchant code or product code obtained from the transaction data. Payment system using a dedicated payment code that displays information and product purchase information.
The method of claim 9,

The affiliated store terminal checks the member availability and the product purchase information using a terminal identification number and a merchant code or a product code among payment-only codes received from the vendor server, and transmits the determined item to the portable terminal according to the portable terminal. The terminal is a payment system using a payment-only code to request the approval of the payment information generated by inputting the information required to purchase the product according to the decision item to the vendor server.
The method of claim 4, wherein

The merchant terminal comprises a payment data and the transaction serial number for the merchant terminal generated for the transaction data with the payment-only code, the portable terminal reads the payment-only code, payment system using a payment-only code.
The method of claim 11,

The portable terminal generates payment information using information about transaction data read from the payment-only code and card information to be used for payment received from the vendor server, and transmits the generated payment information to the vendor server to request payment approval. Payment system using a dedicated payment code.
The method of claim 12,

The vendor server generates a transaction serial number for a vendor server when a payment approval is requested from the portable terminal, and requests an authorization to a financial server of a card to pay with the generated vendor server transaction serial number.
The method of claim 1,

The electronic wallet program is executed by touching the wireless tag of the mobile terminal, the mobile terminal, payment system using a dedicated payment code.
The method of claim 1,

Information about the transaction type is a merchant payment, payment system using a dedicated payment code.
It is installed in the terminal (counter) or hall table of the affiliated store and is a payment-only code, and contains information including an affiliated store code, a point of sale (POS) number, a credit authorization terminal (CAT) terminal number, and a table number. tag;

A merchant terminal having transaction data related to payment for purchasing an item or receiving a service by a customer (user);

A portable terminal for touching the electronic tag to obtain information contained in the electronic tag for payment; And

Receives transaction data from the merchant terminal, compares the information contained in the received transaction data and information stored in its database (DB) to determine whether the match, and if the information of both cards to pay A vendor server (service provider server) for requesting approval to the corresponding financial server related to the financial server and transmitting the approval result from the financial server to the merchant terminal and the portable terminal, respectively.

Including, payment system using a payment-only code.
The method of claim 16,

The transaction data includes transaction information and transaction type information, and the transaction information includes a POS code, a CAT terminal number, a table number, a payment request amount, a payment request date and time, and purchase information together with a merchant code. Payment system using a dedicated code.
The method of claim 16,

The vendor server (service provider server) comprises a payment server for payment payment and a VAN server for data communication with an external system or device, payment system using a dedicated payment code.
The method of claim 18,

The payment server includes the database (DB), the database (DB) is a payment system using a payment-only code, which stores the merchant payment request information.
The method of claim 19,

The merchant payment request information includes a merchant code, a POS number, a payment request date and time, a server reception date and time, and purchase information.
Transaction information including transaction ID (TID), merchant code, terminal identification number, delivery date, customer transaction number, product code and transaction amount, and transaction type of merchant payment as transaction data In the payment method using a code,

(a) reading the payment-only code in a portable terminal;

(b) transmitting the information on the transaction data read in step (a) to a vendor server and requesting payment;

(c) the vendor server generating the transaction serial number when requesting payment of the portable terminal and requesting an authorization from a financial server associated with a card to be settled; And

(d) the vendor server transmitting the payment result to the portable terminal while simultaneously transmitting the approval result of the corresponding financial server to the affiliated store terminal;

Including, payment method using a payment-only code.
The method of claim 21,

Step (b) is

(b-1) generating transaction data by reading the payment-only code;

(b-2) receiving and displaying card information for each unique identification number of the portable terminal stored in the vendor server;

(b-3) selecting a card to be used for payment from the displayed card information and including it in payment information; And

(b-4) requesting payment by transmitting the payment information including the card information of the step (b-3) to the vendor server;

Including, payment method using a payment-only code.
The method of claim 22,

Step (a) is

(a-1) requesting payment to the affiliated store terminal;

(a-2) requesting payment to the vendor server by selecting an electronic wallet as a payment means in the affiliated store terminal;

(a-3) the vendor server generating a transaction serial number and information on transaction data as a payment-only code and transmitting the transaction-specific code to the affiliated store terminal; And

(a-4) outputting the payment-only code on a bill or a monitor or sign pad screen at the affiliated store terminal;

Including, payment method using a payment-only code.
The method of claim 22,

Step (a) is

(a-1) requesting payment to the affiliated store terminal; And

(a-2) The merchant terminal generates a transaction serial number for the merchant terminal for the transaction data and generates the transaction serial number for the merchant terminal and the information on the transaction data as a payment-only code to generate the payment-only code. Outputting to a bill or outputting to a monitor or a sign pad screen;

Including, payment method using a payment-only code.
The method of claim 21,

Step (b) is

(b-1) generating and displaying the transaction data read in the step (a);

(b-2) correcting the transaction data by reading the delivery date from the displayed transaction data and replacing the amount after the delivery date with the transaction amount if the payment request date has passed the delivery date; And

(b-3) requesting payment by transmitting information on the modified transaction data to a vendor server;

Including, payment method using a payment-only code.
The method of claim 21,

Step (b) is

(b-1) generating transaction data by reading the payment-only code;

(b-2) transmitting the generated transaction data to a vendor server;

(b-3) controlling, by the vendor server, notifying the affiliated store terminal of the terminal identification number included in the transaction data and the affiliated store code or the product code obtained from the transactional data to confirm the membership;

(b-4) The affiliated store terminal receives the terminal identification number, the affiliated store code or the product code from the vendor server to check whether the member and the product purchase information, and to carry out the decision items according to the confirmation of the member and the product purchase information. Transmitting to a terminal; And

(b-5) generating, by the portable terminal, input payment information according to the received decision item and requesting approval from the vendor server;

Including, payment method using a payment-only code.
The method of claim 26,

Step (b-5)

(b-51) receiving card information for each unique identification number of the terminal stored in the vendor server and displaying the card information on the portable terminal;

(b-52) selecting a card to be used for payment from the displayed card information;

(b-53) generating payment information including the card selected in the step (b-52); And

(b-54) the portable terminal transmitting the payment information generated in the step (b-53) to the vendor server and requesting approval;

Including, payment method using a payment-only code.
It is installed in the terminal (counter) or hall table of the affiliated store and is a payment-only code, and contains information including an affiliated store code, a point of sale (POS) number, a credit authorization terminal (CAT) terminal number, and a table number. A payment method by a payment system using a payment-only code, comprising a vendor server (service provider server) having a tag, a merchant terminal, a portable terminal, and a database (DB),

(a) transmitting, by the merchant terminal, transaction data related to payment for purchasing goods or receiving a service by a customer (user) to the vendor server (service provider server);

(b) As transaction data reception completion information is provided from the vendor server (service provider server) to the affiliated store terminal, the information contained in the electronic tag is obtained by touching the electronic tag for payment by the portable terminal. Transmitting the obtained information to the vendor server (service provider server);

(c) comparing the information contained in the payment-only code received from the portable terminal by the vendor server (service provider server) with the information stored in its database (DB) and stored in the database (DB); Transmitting the data to the portable terminal;

(d) after confirming the transaction data received from the vendor server (service provider server) by the portable terminal, if the information is identical, payment request information including a card to be settled from the portable terminal from the vendor server (service provider server); Transmitting); And

(e) requesting approval by transmitting the payment request information received from the portable terminal by the vendor server (service provider server) to the corresponding financial server, and receiving the approval result from the financial server, the merchant terminal and the portable terminal; Comprising the step of transmitting to each, payment method using a dedicated payment code.
The method of claim 28,

The payment-only code is a form of any one of a QR code, a barcode, a wireless tag or NFC (Near Field Communication), a payment method using a payment-only code.
The method of claim 28,

The electronic tag includes a tag having a NFC (Near Field Communication) or QR (Quick Response) code as a payment-only code.
The method of claim 28,

The data contained in the database (DB) is a data corresponding to the date of the most recent payment request compared to the current time, or data corresponding to the merchant code and POS number or CAT terminal number or table number, payment only code Payment method used.