WO2014119963A1 - Système de paiement instantané et procédé d'utilisation de code qr - Google Patents

Système de paiement instantané et procédé d'utilisation de code qr Download PDF

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Publication number
WO2014119963A1
WO2014119963A1 PCT/KR2014/000910 KR2014000910W WO2014119963A1 WO 2014119963 A1 WO2014119963 A1 WO 2014119963A1 KR 2014000910 W KR2014000910 W KR 2014000910W WO 2014119963 A1 WO2014119963 A1 WO 2014119963A1
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Prior art keywords
payment
loan
code
transaction
transfer
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PCT/KR2014/000910
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English (en)
Korean (ko)
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나병국
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주식회사 케이비데이타시스템
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Publication of WO2014119963A1 publication Critical patent/WO2014119963A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V30/00—Character recognition; Recognising digital ink; Document-oriented image-based pattern recognition
    • G06V30/10—Character recognition
    • G06V30/22—Character recognition characterised by the type of writing
    • G06V30/224—Character recognition characterised by the type of writing of printed characters having additional code marks or containing code marks

Definitions

  • the present invention relates to an instant payment system and method using a QR code, in particular, the payment by scanning the QR code with a dedicated application installed on the customer terminal payment method by using a QR code that allows the customer to conveniently make payment at the merchant System and method.
  • FIG. 1 is a data flow diagram of an account transfer using a conventional mobile terminal, and illustrates a process of transferring a bank company through a communication with a financial service server by installing a dedicated program in the mobile terminal.
  • S428, S430 and financial institution server 430 is the second account
  • a financial service provider comprises a second transfer step (S432, S434, S436, S438), which transfers the amount corresponding to the amount to the recipient's account from the account of the financial service provider.
  • the above-mentioned conventional account transfer method is a method in which a sender corresponding to a customer applies for a transaction through his terminal 410, so that the primary transfer (S416) for the sender's transaction request and the transaction party make a transaction. Subsequent confirmation process and secondary transfer (S432) were required to confirm.
  • the above-mentioned conventional method of account transfer also allows the recipient (eg, merchant, etc.) to organize their transactions according to their own criteria, since the integrated settlement such as analysis of transaction contents for settlement or settlement of their product sales is impossible. Was very difficult.
  • the payment method of the payment in the store by the transfer method is a payment processing method of a payment processing system having a payment server having customer databases and store databases, wherein a mobile communication terminal such as a mobile phone of a customer uses a mobile communication system.
  • the bank server executes an account transfer from the customer account to the store account, and transfers the result to the payment server, and the payment server calls the customer mobile terminal and the store mobile terminal to notify the account transfer result.
  • the terminal includes the step of displaying the result of the account transfer.
  • the above-described conventional technology is also a method of applying for a transaction through a customer's mobile phone, so the store's mobile phone is only a simple object of transfer, and the customer's operation of the transaction is a similar method.
  • the customer's operation of the transaction is a similar method.
  • There is a high possibility of error and there is still a concern that the customer may intentionally be used for fraud if the customer changes the store number to a similar store.
  • the conventional configuration has not been widely used because there is no advantage in the state that there is no cash, such as a credit card because the payment itself is not processed if the balance of the customer account does not exist more than the payment.
  • Patent Document 1 Korean Registered Patent No. 10-1138938
  • An object of the embodiment of the present invention for improving the above-mentioned problems is to generate and present a QR code including transaction information according to the code generation criteria unique to the merchant to facilitate the confirmation and verification of the transaction contents between the trading partners and to the mutual authentication of payment. It is to provide a payment system and method using a QR code to increase the stability.
  • Another object of the embodiment of the present invention for improving the above-mentioned problem is that the customer can make a payment using a loan immediately according to the transfer payment through the customer terminal or a predetermined loan condition, significantly lower the fee compared to the card payment, etc. It is to provide a payment system and method using a QR code to facilitate the payment even if the funds are insufficient.
  • Another object of the embodiment of the present invention for improving the above-mentioned problem is to allow the customer to selectively proceed from the beginning using a transfer payment or an immediate loan according to the circumstances of the funds, such as a loan limit inquiry and loan application even in the case of immediate loan It is to provide a payment system and method using a QR code to proceed in the same manner as the general payment process without the procedure of.
  • Another object of the embodiment of the present invention for improving the above-mentioned problems is to process a plurality of deposit and withdrawal procedures using a minimum financial company transaction by performing a plurality of deposits and withdrawals between accounts for a single transfer or payment request of an immediate loan. It is to provide a payment system and method using a QR code.
  • the merchant terminal detailed transaction information of the sale product of the transaction according to the code generation criteria unique to the merchant for payment of the transaction Generating and presenting a QR code comprising a
  • the customer terminal to scan the QR code presented by the merchant terminal to display the transaction information and to request a transfer payment for the transaction by transmitting the QR code to the service server Step
  • the service server receives the QR code from the customer terminal and the merchant terminal, respectively, comparing the two and confirming the authenticity of the transaction and requesting the transfer payment to the financial company server, the financial company server the payment payment If a loan is not available, the loan agreement will remind you of the availability of the loan immediately.
  • the service server notifies the customer terminal of the availability of the immediate loan settlement, the customer terminal requesting the immediate loan payment to the service server through a loan agreement by an electronic form, Requesting the immediate loan payment from the service server to the financial company server and transferring the customer account and the merchant account with the loan amount generated after the financial company server approves the loan at the request of the immediate loan payment. Proceeding to perform the loan payment immediately.
  • the financial institution server collectively performs the deposit, withdrawal and deposit into the merchant account for the instant loan payment from the service server. It is preferable.
  • the financial institution server checks the account information of the customer and returns a loan limit when the balance is insufficient to the service server.
  • the service server notifies the customer terminal of the loan limit, and in the requesting step of the customer terminal, the customer terminal commits a loan to the amount within the loan limit and immediately uses the loan to pay the loan. It is preferable to request to the service server.
  • the financial institution server preferably calculates the loanable limit by calculation logic using a contribution according to a predetermined criterion.
  • the customer terminal or the merchant terminal through the communication with the financial company server through the transfer payment or the instant loan payment
  • the method may further include checking the deposit and withdrawal contents of the.
  • the merchant terminal detailed transaction information of the sale product of the transaction according to the code generation criteria unique to the merchant for payment of the transaction Generating and presenting a QR code comprising a
  • the customer terminal scans the QR code presented by the merchant terminal to display the transaction information and transfer the QR code to the service server transfer payment or payment amount for the transaction
  • the service server receives the QR codes from the customer terminal and the merchant terminal, respectively, compares the two and confirms the authenticity of the transaction after the financial company Requesting the transfer payment or the instant loan payment to a server; and the financial company
  • the server requests the transfer payment from the service server and performs the transfer procedure from the customer account to the merchant account, or approves the loan at the request of the immediate loan payment from the service server, and then uses the loan amount generated by the customer. And proceeding with the transfer procedure of the account and the merchant account to perform the loan
  • Immediate payment system using a QR code for achieving the above object is a QR including the detailed transaction information of the sale of the product according to the code generation criteria unique to the merchant for payment of the transaction Merchant terminal that generates and presents a code, scans the QR code presented by the merchant terminal to display the transaction information and transmits the QR code to request a transfer payment for the transaction, and the loan agreement when the transfer payment is disapproved.
  • the financial institution server checks the account information of the customer and returns the loan limit when the balance is insufficient to the service server, the service server notifies the loan limit to the customer terminal, and the customer terminal the loan limit It is desirable to request a loan payment to the service server immediately using the loan amount by committing a loan with my amount.
  • the financial institution server may calculate the loanable limit by calculation logic using a contribution according to a predetermined criterion.
  • Immediate payment system using a QR code for achieving the above object includes detailed transaction information of the sale of the transaction in accordance with the code generation criteria unique to the merchant for payment of the transaction Merchant terminal to generate and present a QR code, scan the QR code presented by the merchant terminal to display the transaction information and send the QR code to receive a transfer payment or payment amount for the transaction to pay for the transaction Receiving the QR code from each of the customer terminal, the customer terminal and the merchant terminal requesting one of the loan payment immediately after comparing the two to confirm the authenticity of the transaction and the transfer payment or the instant loan with the customer terminal Receiving the transfer payment request from the service server and the service server relaying The loan immediately after performing the transfer procedure from the account to the merchant account or approving the loan at the request of the instant loan payment from the service server and proceeding the transfer procedure of the customer account and the merchant account with the loan amount generated above. It includes a financial company server that performs the payment.
  • the client terminal may be provided with a single selection button configured to selectively proceed with the transfer payment or the immediate loan payment within one interface, or selectively perform one of the transfer payment or the instant payment according to a predetermined condition. have.
  • the financial company server collectively deposits, withdraws, and deposits into the merchant account for the immediate loan settlement from the service server.
  • the customer terminal or the merchant terminal may check the contents of the deposit and withdrawal of the account according to the transfer payment or the instant loan payment through communication with the financial company server.
  • Immediate payment system using a QR code for achieving the above object includes detailed transaction information of the sale of the transaction in accordance with the code generation criteria unique to the merchant for payment of the transaction Merchant terminal to generate and present a QR code, scan the QR code presented by the merchant terminal to display the transaction information and send the QR code to receive a transfer payment or payment amount for the transaction to pay for the transaction After receiving the QR code from each of the customer terminal, the customer terminal and the merchant terminal requesting one of the loan payment immediately after comparing the two to confirm the authenticity of the transaction, and receives the transfer payment request from the merchant account in the customer account After the transfer process to the bank or the loan is approved immediately upon request for payment. It includes a financial company server that performs the transfer procedure of the customer account and the merchant account with the loan amount generated in the loan and the service server for relaying the transfer payment or the instant loan payment with the customer terminal.
  • the merchant terminal In the payment system and method using a QR code according to an embodiment of the present invention, the merchant terminal generates and presents a QR code including transaction information according to a code generation criterion unique to the merchant, thereby confirming and verifying the transaction contents between the transaction entities. It is easy to increase the stability of the mutual authentication of the payment has the effect of ensuring the convenience and reliability of the payment.
  • the payment system and method using a QR code significantly lowers the fee compared to card payment by allowing a customer to make a payment using a loan immediately according to a transfer payment or a predetermined loan condition through a customer terminal. Even if the funds in the customer's account is insufficient, the payment can be smoothly carried out, which greatly increases the convenience of payment.
  • the payment system and method using the QR code allows the customer to selectively proceed with the transfer payment or the instant loan payment according to the circumstances of the loan, so that the loan limit inquiry and loan application even in the case of immediate loan. There is an effect of improving the convenience of the customer by eliminating the waiting time of the loan payment by proceeding in the same manner as the general payment procedure without a plurality of procedures.
  • the payment system and method using a QR code performs a plurality of deposit and withdrawal procedures using a minimum financial company transaction by performing a plurality of deposits and withdrawals between accounts for a single transfer or payment request of an immediate loan. This reduces the cost of fees and minimizes the possibility of errors in payment processing.
  • 1 is a data flow diagram of account transfer using a conventional portable terminal.
  • FIG. 2 is a first configuration of an instant payment system using a QR code according to an embodiment of the present invention.
  • FIG 3 is a second configuration of an instant payment system using a QR code according to an embodiment of the present invention.
  • FIG. 4 is a first data flowchart of an immediate payment method using a QR code according to an embodiment of the present invention.
  • FIG. 5 is a second data flowchart of an immediate payment method using a QR code according to an embodiment of the present invention.
  • FIG. 6 is a data flow diagram of a commitment termination step according to an embodiment of the present invention.
  • FIG. 7 is an exemplary view of a QR code scan according to an embodiment of the present invention.
  • FIG. 8 is a first exemplary view of a payment request screen according to an embodiment of the present invention.
  • Figure 9 is an illustration of a transfer payment confirmation according to an embodiment of the present invention.
  • FIG. 10 is an exemplary view of the instant loan payment guide according to an embodiment of the present invention.
  • 11 is an exemplary view of instant loan payment confirmation according to an embodiment of the present invention.
  • FIG. 12 is a second exemplary view of a payment request screen according to an embodiment of the present invention.
  • FIG. 13 is a third exemplary view of a payment request screen according to an embodiment of the present invention.
  • FIG. 14 is an exemplary view of payment confirmation at an affiliated store according to an embodiment of the present invention.
  • FIG. 2 is a first configuration diagram of an immediate payment system using a Quick Response Code according to an embodiment of the present invention.
  • the instant payment system using a QR code is a QR code including the detailed transaction information of the sale product of the transaction in accordance with the code generation criteria unique to the merchant for payment of the transaction
  • the merchant terminal 200 generating (0) and presenting (1, 2) scans the QR code presented by the merchant terminal 200 (2) to display the transaction information and transmits the QR code to the transaction. From the customer terminal 100, the customer terminal 100 and the merchant terminal 200 requesting a transfer payment for the payment (3) and re-requesting the loan payment immediately through the loan agreement (7) when the transfer payment is disapproved.
  • the payment system using a QR code allows a customer to make a payment (7) using a direct payment according to a pre-set loan condition or a transfer payment through a customer terminal 100, compared to a card payment or the like. Significantly lower commissions and smooth payment even if the funds in the customer's account are insufficient, greatly improving the convenience of payment.
  • the configuration using the QR code is an embodiment of the present invention, and in another embodiment, various codes having an information encapsulation system that may include the transaction information according to the code generation criteria unique to the affiliated store may be used instead of the QR code. It may be.
  • Customer terminal 100 is preferably a smart device, such as a smart phone or tablet PC, the customer-only application 110 for the payment therein installed through the dedicated application 110 It is desirable to communicate with the service server 300.
  • Merchant terminal 200 is preferably a smart device, such as a smart phone or tablet PC, through the dedicated application 210 by installing the merchant-only application 210 for the payment therein.
  • the QR code may be generated and a payment procedure may be performed by installing a dedicated program in a general personal computer.
  • the QR code transmitted by the merchant terminal 200 or the customer terminal 100 to the service server 300 according to an embodiment of the present invention (1, 3) may be a scanned QR code image itself.
  • the QR code of the customer terminal 100 and the QR code of the affiliated store terminal 200 may be information capable of verifying the authenticity and the same of the transaction, respectively.
  • the affiliated store terminal 200 since it is difficult to fundamentally secure reliability in the payment procedure because it is not generated according to the criteria of the affiliated store terminal 200 itself, in the configuration of a payment system using a QR code according to an embodiment of the present invention, the affiliated store terminal 200 )
  • the QR code including detailed transaction information of the affiliated store is generated and presented according to the member's unique code generation standard, so that it is easy to check and verify the transaction contents between the trading partners and increase the stability of mutual authentication of payment. It is possible to further improve the convenience and reliability of payment.
  • the service server 300 may include identification information such as a phone number of the customer terminal 100, a unique number according to a preset rule, an authentication number, or a customer having the customer terminal 100.
  • Customer information including identification information, such as a resident number, ID, password, and the like, the phone number of the merchant terminal 200, identification information such as a unique number or authentication number according to a predetermined rule or merchant terminal 200 It can be used as information for processing the payment process at the time of payment by providing the merchant information including identification information such as social security number, ID, password of the registered business.
  • the service server 300 includes the code generation criteria unique to the affiliated store for generating the QR code of the affiliated store or has information capable of interpreting the code generation criteria unique to the affiliated store.
  • the QR code when receiving the QR code from the customer terminal 100 and the merchant terminal 200 is preferably configured to verify the authenticity of the authenticity and the corresponding transaction or transaction information.
  • the service server 300 manages the customer information as the customer information, including a list of the withdrawal account of the designated customer, the deposit account of the payment amount of the merchant as the merchant information It is preferable to process the account transfer and immediate loan request through the communication (4, 6, 9) with the financial institution server 400 by managing the list, but with the customer and financial institution server 400 in accordance with a predetermined communication protocol.
  • a withdrawal account is previously designated or when a merchant and the financial institution server 400 and a deposit account are previously designated
  • payment request information is transmitted to the financial institution server 400 in accordance with the communication protocol without account information (4, 9).
  • the financial company server 400 may be configured in various forms, such as requesting a payment by performing a deposit and withdrawal with a specified deposit and withdrawal account (5, 10).
  • the financial company server 400 is a server managed by a financial company such as a bank, a mutual savings bank, a credit cooperative, a post office, etc., which manages a customer's own account, and preset communication with the service server 300. According to the agreement, it manages the deposit and withdrawal process (5, 10) of customer account and merchant account through account transfer or immediate loan according to settlement.
  • a financial company such as a bank, a mutual savings bank, a credit cooperative, a post office, etc.
  • the financial company server 400 calculates the loanable limit by a calculation logic using a contribution based on a predetermined criterion, and sets a loanable amount differently for each customer or each account of the customer, and defaults the default. It can also be set to lower the value and maximize the recovery rate.
  • the financial company server 400 checks the account information of the customer and returns (6) a limit to the service server 300 when the balance is insufficient, the service server 300 the customer The loan 100 is notified to the terminal 100, and the customer terminal 100 commits a loan to the amount within the loanable limit and requests the service server 300 to immediately make a loan payment using the loan.
  • (8) can be configured to increase the ease of use of customers.
  • the PG Payment Gateway
  • the PG Payment Gateway
  • No credit card company-based system is required, which greatly reduces the burden of high card company merchant fees.
  • deposits are made immediately to merchant (merchant) accounts, which means that even merchants (merchants) are able to reduce their turnover. It is very profitable from the point of view, and it is possible to check whether the actual account is deposited, so it is very easy to check the payment immediately.
  • the customer terminal 100 or the merchant terminal 200 confirms the contents of the deposit and withdrawal of the account according to the transfer payment or the instant loan payment through communication with the financial company server 400. (11, 12).
  • the customer terminal 100 or the merchant terminal 200 is the service server 300 through a dedicated application (for example, XX bank mobile-only app, etc.) for communication with the financial company server 400 It may be configured to directly check the deposit and withdrawal status of the account (11, 12) without going through).
  • a dedicated application for example, XX bank mobile-only app, etc.
  • a payment system using a QR code when activated, individual transactions through a mass transfer transaction by a contract between a subject operating the service server 300 and a financial company operating the financial company server 400 may be performed. It can be operated at a cost close to an individual's transfer fee, and this cost can be greatly reduced by paying merchants instead of credit card fees.
  • FIG 3 is a second configuration of an instant payment system using a QR code according to an embodiment of the present invention.
  • QR code including the detailed transaction information of the sale of the transaction in accordance with the code generation criteria unique to the merchant
  • the merchant terminal 200 generating (0) and presenting (1, 2) and scanning the QR code presented by the merchant terminal 200 (2) to display the transaction information and transmitting the QR code to transmit the transaction
  • the QR code from the customer terminal 100, the customer terminal 100 and the merchant terminal 200 requesting one of the loan payment immediately (3) upon payment of the transfer payment or the payment amount for the transaction.
  • the payment system using the QR code allows a customer to selectively perform a transfer payment or a payment using an instant loan according to the circumstances of the funds, so that a plurality of procedures such as inquiry of loan limit and loan application can be made even in the case of an immediate loan. Because it proceeds in the same way as the general payment process, it eliminates the waiting time of loan payment and improves customer convenience.
  • the customer terminal 100 is configured to selectively proceed with the transfer payment or the immediate loan payment within a single interface, or the transfer payment or one of the instant payment is selectively performed according to a predetermined condition. It is desirable to have a single select button.
  • Financial company server 400 preferably performs the deposit, withdrawal and deposit to the merchant account for the immediate loan payment from the service server 300 collectively. .
  • a plurality of deposits and withdrawals using a minimum financial company transaction is configured through a plurality of deposits and withdrawals between accounts for a single transfer or payment request for an immediate loan.
  • the process can be processed to reduce the cost of fees and minimize the possibility of errors in payment processing.
  • the instant payment system using a QR code for generating a transaction, merchants generating and presenting a QR code including the detailed transaction information of the sale of the transaction according to the code generation criteria unique to the merchant
  • the terminal 200 scans the QR code presented by the merchant terminal 200 to display the transaction information and transmits the QR code to request a transfer payment for the transaction or to receive a payment amount for the transaction.
  • the instant payment system using the QR code does not use an infrastructure based on an existing credit card, a check card, etc. in payment payments, and transfers money from a financial institution that is free to deposit or withdraw.
  • the payment is made only by authentication through the terminal application (110, 210), which is mainly focused on the credit card and its immediate payment through loan payment is possible as soon as the payment fee is low and proceeds in the same way as the general payment procedure. Ease of use is not very different.
  • the instant payment system using the QR code is not the issue of a QR code having an authentication base of a bank or a service server, but has a QR code issuance standard of the affiliate store itself.
  • the QR code is issued and scanned at the merchant just by entering a password of the authorized authentication or, in the case of a small payment, the account password
  • the payment process can be completed in a very short time immediately, so that the payment can be processed at the same speed as a general payment, so the convenience of use is greatly increased.
  • FIG. 4 is a first data flow diagram of an instant payment method using a QR code according to an embodiment of the present invention, showing an instant payment method of an instant payment system using a QR code shown in FIG.
  • the instant payment method using a QR code is the merchant terminal 200 of the sale of the transaction of the transaction according to the code generation criteria unique to the merchant for payment of the transaction Generating and presenting a QR code including detailed transaction information (S10, S15, S17), the customer terminal 100 scans the QR code presented by the merchant terminal 200 and displays the transaction information (S20) And requesting the transfer payment for the transaction (S25, S30) by transmitting the QR code to the service server 300, the service server 300 from the customer terminal 100 and the merchant terminal 200 Receiving each of the QR code and compare the two to verify the authenticity of the transaction (S40) and then request the transfer payment to the financial institution server 400 (S45), the financial institution server 400 is the transfer payment If not, use the loan agreement to Returning the availability of the immediate loan payment to the service server 300 (S50), and notifying the availability of the immediate loan payment to the customer terminal 100 by the service server 300 (S55).
  • the service server 300 is the financial company server 400 Requesting the immediate loan payment (S75, S77) and the financial institution server 400 approves the loan at the request of the immediate loan payment (S80) and then the customer account and the affiliated store with the loan amount generated above.
  • the process of transferring the account includes performing the immediate loan settlement (S92, S95).
  • the financial institution server 400 may deposit, withdraw, and withdraw money from the service server 300 to the customer account to the merchant account. It is preferable to perform a deposit (S87) at once.
  • the service server 300 in the immediate payment method using the QR code according to an embodiment of the present invention in the step (S50) to the service server 300, the financial institution server 400 after checking the account information of the customer loan when the balance is insufficient Returning the possible limit to the service server 300, in the notification step (S55), the service server 300 notifies the loanable limit to the customer terminal 100, the request of the customer terminal 100 In step S70, the customer terminal 100 is a contract with the amount within the loan limit, it is preferable to request the service server 300 the loan payment immediately using the loan.
  • the financial institution server 400 may calculate the loanable limit by calculation logic using a contribution according to a preset criterion in the step S50 of returning to the service server 300.
  • the immediate payment method using the QR code after the payment step (S87), the customer terminal 100 or the merchant terminal 200 communicates with the financial company server 400 It may further include a step (S97) of checking the details of the deposit and withdrawal of the account according to the transfer payment or the immediate loan payment.
  • FIG. 5 is a second data flow diagram of an instant payment method using a QR code according to an embodiment of the present invention, illustrating an instant payment method of an instant payment system using a QR code shown in FIG. 3.
  • the instant payment method using the QR code is the merchant terminal 200 of the sale of the transaction of the transaction according to the code generation criteria unique to the merchant for payment of the transaction Generating and presenting a QR code including detailed transaction information (S10, S15, S17), the customer terminal 100 scans the QR code presented by the merchant terminal 200 and displays the transaction information (S20) And sending the QR code to the service server 300 and requesting one of the loan payments immediately after receiving the transfer payment or the payment amount for the transaction (S25, S30), the service server ( 300 receives the QR code from the customer terminal 100 and the merchant terminal 200, respectively, compares the two and checks the authenticity of the transaction, and then performs the transfer payment or the instant loan payment to the financial company server 400.Requesting (S40, S45) and the financial institution server 400 receives the transfer payment request from the service server 300 to perform a transfer procedure from the customer account to the merchant account or from the service server 300 When the loan request is made immediately, the loan is approved (S50), and then the transfer
  • it may be configured to withdraw from the merchant account and deposit to the customer's account according to the customer's request to cancel the transfer at the time of transfer payment or immediate loan payment to further cancel the convenience.
  • FIG. 6 is a data flow diagram of an agreement termination step according to an embodiment of the present invention.
  • the customer can automatically make a payment through a dedicated application through a dedicated application at any time when a loan payment is required immediately, and the loan application, approval, agreement and The payment can be completed by only one or two inputs without performing the same complicated procedure, thereby increasing the speed of payment.
  • the customer may request the termination of the loan agreement established by the financial company through a dedicated application according to the situation.
  • the loan agreement is confirmed in the customer terminal 100 (S10) and an authorized certificate.
  • the service server 300 receives the request for the termination of the automatic loan confirmation (S30) and transmits to the financial institution server (400). .
  • the financial company server 400 terminates the agreement after verifying the agreement and the agreement termination procedure (S40) and transmits the termination notice of the termination to the service server 300 (S45).
  • the service server 300 transmits the completion notice of the termination of the agreement to the customer terminal 100 (S50), and the customer terminal 100 confirms the fact of the termination of the actual account through direct communication with the financial institution server 400 (S60). )can do.
  • such a loan agreement cancellation transaction is configured to precede the deposit cancellation and to execute an automatic loan agreement termination operation to prevent an accident, and the agreement termination condition (for example, interest) is preferably in accordance with the characteristics of each financial institution.
  • the agreement termination condition for example, interest
  • FIG. 7 is an exemplary view of a QR code scan according to an embodiment of the present invention.
  • the affiliated store terminal 200 generates a QR code 10 according to its own standard and presents it to the customer terminal 100.
  • the merchant terminal 200 issues a QR code 10 according to its own generation criteria, including transaction information, through the merchant-only application 210 and physically presents it to the customer, and the customer terminal 100 is installed. This may be scanned by the customer-only application 110 and transmitted to the service server 300.
  • Merchant terminal 200 unlike the conventional configuration is the center of the transaction to generate the transaction information, so the operation of the customer terminal 100 is minimized and the transaction included in the information of the QR code 10
  • the contents can be generated in various ways according to the merchant's own criteria, so that the merchant criteria can be settled and analyzed.
  • the instant payment system using a QR code basically the seller (merchant) directly generates a code containing the details of the transaction and the buyer (customer) is safe and secure only by simple code scan and personal authentication Accurate transfer transaction is possible, so user inconvenience is easy and sales analysis is easy at merchant.
  • the configuration of the merchant terminal 200 as another preferred embodiment simply modifies the essential configuration of the merchant-only application 210 according to an embodiment of the present invention to simply modify the existing POS used in the merchant or a general personal Since it can be implemented when applied to a computer, it is very easy to install and operate in parallel with an existing payment system.
  • FIG. 8 is a first exemplary diagram of a payment request screen according to an embodiment of the present invention, and shows a screen of a dedicated application 110 of the customer terminal 100 in which transaction details corresponding to the QR code 10 are displayed 22. It is shown.
  • the dedicated application 110 of the customer terminal 100 interprets the scanned QR code 10 to display the transaction contents 22 on the screen, and has a payment interface provided with an interface 24 for transfer payment on the same screen.
  • the general identification information such as the name, address, telephone number, etc. of the merchant that issued the QR code 10 is displayed (20, 21) so that the customer can roughly identify the transaction. It can be configured to recognize the contents, and as the detailed transaction contents 22, the transaction date, the transaction item (product item, unit price, etc.), the total amount of money, etc. can be displayed (23).
  • the payment amount or transaction details may be canceled (25) before the transfer payment, and the merchant may be requested to reissue the QR code.
  • the instant payment system using the QR code can register and manage the merchandise of the affiliate store itself in the affiliated store terminal 200, and generate the same by including the QR code 10 in the franchise type.
  • it can be applied to all affiliated stores by one-time registration at the head office, so it is easy to perform store analysis and commercial business analysis.
  • FIG. 9 is an exemplary view of a transfer payment confirmation according to an embodiment of the present invention, after requesting a transfer payment in the dedicated application 110 of the customer terminal 100, the dedicated application 110 of the customer terminal 100.
  • the example shows a guide screen on which a transfer payment is completed.
  • the dedicated application 110 of the customer terminal 100 may send a part of the withdrawal account with which the amount corresponding to the payment amount is withdrawn along with a guide message “transfer payment has been completed”. Information may be displayed on the screen, and a payment number may be provided for later confirmation of the payment receipt.
  • the detailed view interface 26 of the payment receipt including the detailed transaction details of the transaction may be further provided, and the interface 27 for confirming the accurate transfer history between the customer account and the merchant account may be further provided.
  • the transfer history check 27 may be configured to communicate directly with the financial institution server 400 through prior consultation with the financial institution to display the deposit and withdrawal contents of the customer account.
  • the service server 300 may provide an additional function of integrated management of the payment receipt by individual, family, or group, and providing the inquiry screen to the customer terminal 100.
  • the transfer payment or instant loan payment uses a simple inter-account transfer method or instant loan method, the usage fee is considerably less than the credit card fee and can be used abroad through transactions between financial institutions. It can also be used to replace the existing credit card payment system because it can escape from the dependency of international card system (eg, Visa or MasterCard) that requires expensive annual fee and license fee.
  • international card system eg, Visa or MasterCard
  • 10 is an exemplary view of the instant loan payment guide according to an embodiment of the present invention, when the payment is not made due to the shortage of the balance of the customer account in the above transfer payment, the exclusive application of the customer terminal (100) An example of presenting through 110) and proceeding with the settlement of the transaction.
  • the customer checks the possible limit of the immediate loan payment automatically calculated by the financial institution server 400 and selects the loan payment 28 immediately within the corresponding loan limit to make the payment. You can finish it.
  • scanning the QR code in the customer terminal 100 can provide a payment request screen that can be immediately transfer payment or instant loan payment.
  • the dedicated application 110 of the customer terminal 100 after scanning the QR code 10 to recognize the transaction content, can make a payment payment or immediate loan payment To provide a user interface.
  • the service server 300 may determine the account balance and the loan settlement limit of the customer before the display of the transaction contents 22. Received in advance from the payment amount of the transaction in comparison with the payment amount of the transaction, for example, if the balance of the customer's account is insufficient (28) immediately or only if the transfer payment is possible (24) You can also present a loan payment immediately.
  • the dedicated application 110 of the customer terminal 100 scans the QR code 10 and simultaneously displays the account balance and the instant loan payment limit and the customer through the same single interface.
  • the customer terminal 100, the service server 300, and the financial institution server (such as by configuring the user interface 24 to automatically proceed to transfer payment or immediate loan payment automatically based on the preset conditions). It can be changed to a user interface of various ways to minimize the transaction of 400) to proceed similar to the general payment.
  • the financial company server 400 may perform a credit transaction through a secure loan using an internal contribution evaluation system of the financial company (for example, a bank).
  • an internal contribution evaluation system of the financial company for example, a bank.
  • bank loyalty can also be increased in order to increase the contribution evaluation.
  • the financial institution server 400 directly or through an automatic notification of the financial institution server 400 manually through the dedicated application 210 installed in the merchant terminal 200. ) Can be applied to check the status of the wire transfer.
  • FIG. 11 is a diagram illustrating an immediate loan payment confirmation according to an embodiment of the present invention, and shows a payment completion guide screen of the customer terminal 100 after payment is completed through instant loan payment.
  • the dedicated application 110 of the customer terminal 100 immediately withdraws the money corresponding to the loan payment amount with the guide message that "the loan payment has been completed".
  • Some information of the account may be displayed on the screen, and a payment number may be provided for later confirmation of the payment receipt.
  • a detailed view interface 26 of a payment receipt including detailed transaction details of the transaction may be further provided, and further an interface 27 for checking a detailed loan history (eg, an interest rate, etc.) of a customer account may be provided. It may be provided.
  • a detailed loan history eg, an interest rate, etc.
  • the procedure is greatly simplified through the immediate loan settlement procedure and the user interface according to an embodiment of the present invention, so that the settlement speed is quick and practical. It is very effective to use in the store, and it is possible to reduce the settlement fee as much as possible by reducing the settlement time with the minimum financial institution transaction and maximizing the cost of the financial institution fee by proceeding multiple withdrawal procedures through one transaction at the same time.
  • the immediate payment system can activate its use by returning the card company fee previously paid to the customer as a point, and avoiding credit card payment when making small payments. You can get away from the problems of existing merchants.
  • FIG. 14 is an exemplary diagram of payment confirmation at an affiliated store according to an exemplary embodiment of the present disclosure, and illustrates the completion of the corresponding payment in a dedicated application 210 of the affiliated store terminal 200 after the payment is completed.
  • the merchant-only application 210 of the affiliated store terminal 200 receives a deposit account in which an amount corresponding to a payment amount is received together with a guide message that the payment amount has been deposited. Some information of) can be displayed on the screen, and a payment number can be provided for later confirmation of the payment receipt.
  • the detailed view interface 26 of the payment receipt including the detailed transaction details of the transaction may be further provided, and the interface 27 for confirming the detailed deposit details of the merchant account may be further provided.
  • the configuration of the affiliated store side is a sufficient level even with the affiliated store terminal 200 such as a smart phone or a smart pad, and in another preferred embodiment, simply modify the existing POS or the present invention. It is also very easy to install and operate in parallel with the existing payment system because it can be implemented by applying the required configuration of the merchant 210 dedicated application 210 according to the embodiment of the modular.

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Abstract

La présente invention concerne un système et un procédé de paiement instantané à l'aide d'un code QR, un client pouvant payer par balayage d'un code QR par une application dédiée installée sur un terminal du client, de manière que le client puisse plus commodément effectuer un paiement dans un magasin affilié. Dans le système et selon le procédé de paiement instantané à l'aide d'un code QR de la présente invention, un terminal d'un magasin affilié génère un code QR qui comprend des informations de transaction selon les critères de génération de code spécifiques au magasin affilié et présente le code QR afin de faciliter l'identification et la vérification des contenus de la transaction entre les deux parties de la transaction et d'améliorer la stabilité d'authentification mutuelle du paiement, ce qui garantit la commodité et la fiabilité du paiement.
PCT/KR2014/000910 2013-02-04 2014-02-03 Système de paiement instantané et procédé d'utilisation de code qr WO2014119963A1 (fr)

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