WO2015182838A2

WO2015182838A2 - Payment service system, device and method for same

Info

Publication number: WO2015182838A2
Application number: PCT/KR2014/011618
Authority: WO
Inventors: 신진철; 우종원
Original assignee: 에스케이플래닛 주식회사
Priority date: 2014-05-28
Filing date: 2014-12-01
Publication date: 2015-12-03

Description

Payment service system, apparatus and method therefor

The present invention provides a mobile payment system, a user terminal, a payment terminal, and a method for verifying a user using the same (System for saving change as membership point, POS device, Device for smart wallet service, Device for providing point and method for providing point according) and offline payment The present invention relates to a service system and a method and more specifically, to a user using a membership point or paying a bill using a mobile wallet application installed on a user terminal. , Verifying that the user is a legitimate user, allowing only the party user to use the electronic wallet application, and when paying for the purchase of the product, all the credit cards, mobile coupons, Membership benefits, merchant promotion benefits It relates to the payment service system that can receive for.

The present invention claims the benefits of the Korean Patent Application No. 10-2014-0064720 filed May 28, 2014 and the Korean Patent Application No. 10-2014-0069309 filed June 9, 2014, the contents of all Is included herein.

In general, card payment is carried out by the merchant reader receives the card information from the user's card and delivers the merchant information and payment amount information stored in the reader to the card company. The seller enters the payment amount into the reader of the merchant and receives the card information stored in the buyer's card in a contact or contactless manner. Accordingly, the reader may request payment by transmitting the merchant information, the payment price, and the card information of the buyer to the payment gateway.

On the other hand, in non-face-to-face transactions such as online transactions, card payment processing using a reader is not possible, so services such as secure click and ISP service are provided. In the non-face-to-face payment process, the user first registers the card information in the card company's authentication server. Accordingly, the card company authentication server provides authentication information, such as ISP or secure click, corresponding to the card registered by the user to the user terminal. Thereafter, when the user selects a purchase decision from the user terminal to the merchant terminal, the merchant terminal requests payment from the payment gateway side. The user performs user authentication at the user terminal through an electronic payment means such as an ISP or secure click, and the authentication result is transmitted to the payment gateway. If it is determined that the authentication is completed, the payment gateway approves the payment, notifies the merchant terminal of the payment approval, and provides payment information to the card company certificate server.

As described above, according to the card payment system according to the prior art, after the user applies for ISP service to the card company, it is inconvenient to input a card number, an authentication code, a password, and the like every time a payment is requested.

On the other hand, recently, a service for requesting a payment by a user executing an electronic wallet application installed in a user terminal has been provided. However, security-related problems are occurring, such as accidents such as requesting payment by others by unauthorized use of the lost user terminal. In order to check whether the user is a legitimate user, a method of using a personal identification number or a fingerprint recognition is used, but a personal identification number has a high risk of being exposed to others, and the fingerprint recognition is inconvenient to provide a separate fingerprint recognition sensor to the terminal. There is this.

In recent years, mobile communication terminals such as mobile phones include functions of various portable digital devices (eg, camera, MP3, memo function, etc.) as additional functions, in addition to a native function of voice call. It is widely spread in form.

As one of the additional functions described above, a payment function using a mobile communication terminal has been developed based on the characteristic that a mobile communication terminal is always carried to a user such as a wallet. That is, a payment using a smart card based contact or contactless credit payment and a mobile communication terminal having credit card information are widely used.

However, currently used mobile payment means for offline use is inconvenient to use because the speed of infrastructure spread is sluggish. For example, when using Near Field Communication (NFC) (including a USIM embedded mobile card), the NFC of the mobile communication terminal needs to be turned on, and an affiliate store has an inconvenience of having a reader. In addition, when using BLE (Bluetooth Low Energy), there is an inconvenience that the Bluetooth of the mobile communication terminal should be turned on, and BLE beacons should be installed in the affiliated store.

In addition, a credit card, a payment method widely used offline, has a lot of types of cards, it is difficult to know what benefits, and complex payments are difficult.

Related prior arts include Korean Patent Application Publication No. 10-2011-0068274, published on June 22, 2011 (name: Security-enhanced electronic wallet, payment payment system and payment method thereof) and Korean Patent Registration 10-1441288, registered on September 10, 2014 (name: mobile communication terminal and mobile recommendation payment method, mobile recommendation payment system).

It is an object of the present invention to reliably process the identity verification of a user making a payment using an electronic wallet application.

It is also an object of the present invention to verify a user without a separate configuration (eg, fingerprint sensor).

It is also an object of the present invention to replace a user verification means having a high risk of exposure to others with a simple and intuitive means.

In addition, an object of the present invention is to ensure that when you pay for purchases in an offline merchant, the user can apply all credit cards, mobile coupons, membership benefits, merchant promotion benefits that he owns with only one plastic card he currently holds It is to provide an offline payment service system and method.

It is also an object of the present invention to provide an offline payment service system and method that can enhance the security level by allowing the user to carry out the final payment approval act even if the user loses the plastic card.

According to an embodiment of the present invention, an advertisement providing terminal device receives an advertisement for a user from an advertisement providing server, outputs the advertisement to a display, and receives selection information of the output advertisement from the user. Ad processing unit; A purchase processor configured to provide a payment interface to the user to purchase goods related to the advertisement when the selection information of the advertisement is input from the user, and receive payment information from the user through the payment interface; And a payment processing unit which processes the payment using the payment information input from the user and transmits the payment information to be used as retargeting information.

In this case, the advertisement processing unit receives coupon information on the product related to the advertisement from the advertisement providing server, and the purchase processing unit outputs the received coupon information on the display when the selection information of the advertisement is input from the user, When the consent information for the use of the coupon is input, the payment interface may be output on the display.

At this time, the purchase processing unit may calculate the coupon application price to which the coupon is applied to the selling price when the consent information for the use of the coupon is input from the user, and may output the calculated coupon application price to the payment interface.

At this time, the purchase processing unit receives the wallet information received from the advertisement providing server through a wallet application for the wallet service, and controls to display the delivery address information and the payment information included in the received wallet information on the payment interface, The wallet information and the payment information may be transferred to the payment processing unit.

In this case, the wallet information may include at least one of user payment card and account information, shipping address information, coupon and gift certificate information, affiliate card information, and point information.

In addition, the advertisement providing server apparatus according to an embodiment of the present invention, when receiving an advertisement providing request from the advertisement providing terminal, the advertisement processing unit for obtaining the advertisement for the user and transmits to the advertisement providing terminal; A payment processing unit requesting payment approval by transmitting the received payment information to a payment server when receiving payment information of a product related to the advertisement from an advertisement providing terminal; And a data manager for managing the received payment information as retargeting information for the user.

At this time, when the advertisement for the user is obtained, the advertisement providing server apparatus obtains coupon information corresponding to the advertisement obtained from the coupon server, transmits the coupon information to the advertisement providing terminal, and receives the coupon use consent information from the advertisement providing terminal. It may further include a coupon processing unit for transmitting the coupon use history information to the coupon server.

At this time, the data management unit stores the payment information received from the advertisement providing terminal as the retargeting information for the user in the service history DB, and analyzes the purchase pattern of the user based on the retargeting information to advertise the advertisement to the user. Retargeting may generate a retargeting advertisement.

At this time, the advertisement providing server device further includes a target advertisement DB for storing a target advertisement for the user, and if the retargeting advertisement is generated for the user, the data management unit updates the generated retargeting advertisement to the target advertisement DB can do.

In this case, when the payment processing unit receives the wallet information for the order of the product from the advertisement providing terminal through a wallet application, the payment information may transmit the wallet information for the order of the product exposed in the advertisement to the advertisement providing terminal.

In addition, the advertisement providing method according to an embodiment of the present invention comprises the steps of receiving an advertisement from the advertisement providing server in the advertisement providing terminal device; Outputting the received advertisement to a display and receiving selection information of the output advertisement from a user; If a selection information of the advertisement is input from the user, providing a payment interface to the user to purchase a product related to the advertisement; Receiving payment information for purchasing the product through the payment interface from a user; Processing a payment using payment information input from a user; And transmitting the payment information to be used as retargeting information.

At this time, the step of receiving the advertisement further receives coupon information for the product related to the advertisement from the advertisement providing server, and the step of providing the payment interface is the received coupon information when the selection information of the advertisement is input from the user Outputting to the display; Outputting the payment interface on a display when consent information for the use of the coupon is input from a user; Calculating a coupon application price in which a coupon is applied to the selling price when the consent information for the coupon use is input from a user; And outputting the calculated coupon application price to the payment interface.

At this time, the advertisement providing method comprises the step of requesting the wallet information for the order of the product in conjunction with a wallet application that provides a wallet service, if the selection information of the advertisement is input from the user; Receiving wallet information for ordering the product from the advertisement providing server; And displaying the wallet information on the payment interface.

In addition, the advertisement providing method according to an embodiment of the present invention comprises the steps of receiving an advertisement providing request from the advertisement providing terminal by the advertisement providing server device; If an advertisement providing request is received from an advertisement providing terminal, acquiring an advertisement for the user and transmitting the advertisement to the advertisement providing terminal; Receiving payment information of a product related to the advertisement from an advertisement providing terminal; Requesting payment approval by transmitting the received payment information to a payment server; And managing the received payment information as retargeting information for the user.

In this case, transmitting the advertisement to the user terminal may include obtaining coupon information corresponding to the obtained advertisement from the coupon server when the advertisement for the user is obtained; And transmitting the obtained coupon information to an advertisement providing terminal.

In this case, the managing of the retargeting information may include storing payment information received from an advertisement providing terminal as a retargeting information for the user in a service history DB; Analyzing a purchase pattern of a user based on the retargeting information; Generating a retargeting advertisement by retargeting the advertisement to the user based on the purchase pattern analysis result; And updating the generated retargeting advertisement in a target advertisement DB.

At this time, the advertisement providing method comprises the steps of receiving a request for wallet information for ordering the product in conjunction with a wallet application providing a wallet service from the advertisement providing terminal; And transmitting wallet information for ordering the product to the advertisement providing terminal.

As another means for solving the problem of the present invention, there is provided a computer-readable recording medium recording a program for executing a data management method based on cloud computing.

In addition, the advertisement providing system according to an embodiment of the present invention receives a target advertisement for a user from an advertisement providing server and outputs it to a display, and when the selection information of the output advertisement is input from a user, purchase of a product related to the advertisement An advertisement providing terminal configured to receive payment information for a payment and transmit payment information input from a user to an advertisement providing server; And receiving an advertisement providing request from the advertisement providing terminal, obtaining a target advertisement for the user, and transmitting the target advertisement to the advertisement providing terminal, and receiving the payment information of the product related to the advertisement from the advertisement providing terminal to the payment server. Request for payment approval by transmitting, and the advertisement providing server for managing the received payment information as the retargeting information for the user.

According to the present invention, the user can be surely identified by the simple operation and utilize the electronic wallet application.

In addition, the present invention can enhance the security without having a separate configuration (for example, fingerprint sensor, iris recognition, etc.) for user verification in the user terminal can reduce the user terminal manufacturing cost, operating cost.

In addition, the present invention can be prepared for the loss, theft of the user terminal, and can safely utilize the electronic wallet service.

In addition, the present invention can be applied to all credit cards, mobile coupons, membership benefits, merchant promotion benefits owned by the user only with a single plastic card that the user currently has at the time of payment according to the purchase of goods in the offline merchant.

In addition, the present invention can increase the security level by performing the final payment approval act in the terminal device held by the user even if the user loses the plastic card.

In addition, the present invention, even if the user lost both the card and the terminal device must be authenticated in the terminal device through the pattern lock, PIN number authentication, fingerprint authentication, etc., so it is less likely to be stolen by others Stability can be provided.

In addition, the present invention can be easily adapted to users who are not familiar with the new environment because the user who wants the simplicity of the general plastic credit card level can be approved by only unlocking the pattern or by one-click when the payment request details arrive.

1 is a view showing a mobile payment system according to an embodiment of the present invention.

2 is a view showing a user verification method according to an embodiment of the present invention.

3 to 5 are flowcharts illustrating a user verification method of a user terminal according to an exemplary embodiment of the present invention.

6 to 8 are flowcharts illustrating a user verification method of a payment terminal according to an embodiment of the present invention.

9 is a block diagram illustrating the user terminal illustrated in FIG. 1.

FIG. 10 is a block diagram illustrating a payment terminal shown in FIG. 1.

11 is a block diagram showing an offline payment service system according to an embodiment of the present invention.

12 is a block diagram illustrating the terminal device shown in FIG. 11.

FIG. 13 is a block diagram illustrating an affiliated store device illustrated in FIG. 11.

FIG. 14 is a block diagram illustrating a service device shown in FIG. 11.

15 is a diagram illustrating an offline payment service method according to an embodiment of the present invention.

16 to 18 are diagrams showing a payment screen according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in the following description and the accompanying drawings, detailed descriptions of well-known functions or configurations that may obscure the subject matter of the present invention will be omitted. In addition, it should be noted that like elements are denoted by the same reference numerals as much as possible throughout the drawings.

The terms or words used in the specification and claims described below should not be construed as being limited to ordinary or dictionary meanings, and the inventors are appropriate as concepts of terms for explaining their own invention in the best way. It should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention based on the principle that it can be defined. Therefore, the embodiments described in the present specification and the configuration shown in the drawings are only the most preferred embodiments of the present invention, and do not represent all of the technical ideas of the present invention, and various alternatives may be substituted at the time of the present application. It should be understood that there may be equivalents and variations. In addition, terms such as “first” and “second” are used to describe various components, and are only used to distinguish one component from another component and are not used to limit the components.

Hereinafter, a terminal according to an embodiment of the present invention will be described as a representative example of a mobile communication terminal that can be connected to a communication network to upload or download content based on a cloud computing system, but the terminal is not limited to the mobile communication terminal, and all information communication It can be applied to various terminals such as devices, multimedia terminals, wired terminals, fixed terminals, and IP (Internet Protocol) terminals. In addition, the terminal may be a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a desktop, a tablet computer, a notebook, a net book. And a mobile terminal having various mobile communication specifications, such as an information communication device.

Referring to FIG. 1, the mobile payment system according to an embodiment of the present invention verifies whether the user terminal 110 and the payment terminal 120 interoperate with each other using the electronic wallet service as a true user.

Specifically, the mobile payment system according to an embodiment of the present invention executes the electronic wallet application, transmits the payment means information and the matched user image stored in the electronic wallet application to the payment terminal, payment processing from the payment terminal 120 Receiving a payment means information and a user image from the user terminal 110 and the user terminal 110 for receiving a result, and displays the received user image, and if the user is authenticated as a political user by the displayed user image, It includes a payment terminal 120 to process the payment using the means information, and transmits the payment processing result to the user terminal (110).

The user terminal 110 of the present invention may execute an electronic wallet application, and transmit and receive data with a payment terminal and the like to execute a function such as payment of goods, services or earning membership points using a mobile wallet service, A terminal for performing data processing according to. If an application that implements the above functions is installed in a mobile communication terminal, a smart terminal, and a PC that are currently widely used, this corresponds to a user terminal.

The payment terminal 120 of the present invention is a terminal that processes payment for goods and services in a store. In particular, the payment terminal 120 is a device capable of performing payment processing by an electronic wallet service. When a program for implementing the above functions is installed in a POS (Point of Sale) terminal mainly used in a store, the terminal may operate as an affiliated store terminal of the present invention. The payment terminal 120 is not limited to the POS terminal, and various devices capable of processing various data for payment based on the electronic wallet service.

In the present invention, the user terminal 110 and the payment terminal 120 may exchange information via a communication network, and may also transmit and receive information through a machine to machine (m2m). In the present invention, the manner in which the user terminal 110 and the payment terminal 120 exchange information is not limited to a specific communication standard.

An embodiment of a method for verifying a user in a mobile payment system in which a user terminal 110 and a payment terminal 120 of the present invention are linked will be described with reference to FIG. 2.

Referring to FIG. 2, in the user verification method according to an exemplary embodiment, the user terminal executes an electronic wallet application (S210), and transmits payment means information stored in the electronic wallet application to a payment terminal (S220). ), Transmitting the user image matched to the electronic wallet application to the payment terminal (S220), displaying the user image received by the payment terminal (S230), and if the user is authenticated as a political user by using the displayed user image ( S240), the payment terminal processes the payment using the received payment means information (S250) and the payment terminal transmits the payment processing result to the user terminal (S260).

In the present specification, an electronic wallet application is an application executed in a user terminal in order to utilize a mobile wallet service that is widely used at present, and includes information on various payment methods such as a credit card, a point card, a discount card, and a user presents a real card. It is an application that provides you to enjoy the benefits, such as payments, points earned, discounts.

The payment method information used herein is information necessary for processing payment, point accumulation, etc. by using a credit card, a point card, a discount card, etc. included in the electronic wallet application mentioned above, and a card number, an expiration date, and a CVC number. The concept includes such. However, since the type required for payment may be different according to the type of each card, the payment means information of the present invention should be interpreted as a concept including various information required to process the payment.

The user image referred to herein is an image capable of identifying the owner (user) of the user terminal. If it can be stored in the user terminal, matched with the wallet application, sent to the payment terminal, and displayed on the payment terminal, it should be viewed as a comprehensive image irrespective of the display method, implementation form, and file format of the image. .

Conventionally, when a user executes an electronic wallet application of a user terminal and displays information about a point card on a user terminal and presents it to a store clerk, the clerk reads the point card information into a reader connected to (or included) the payment terminal. Make a payment or earn points. However, the conventional method has not been able to determine whether the user is a true user of the loyalty card, credit card, or illegally used by others.

However, in the present invention, the user executes the electronic wallet application of the user terminal, and transmits the payment means information to the payment terminal (the transmission here is presented in a form that can be read by the reader of the payment terminal as well as the transmission using the communication network. The user image (the order of transmitting the user image and the payment means information may be changed). The payment terminal displays the user image received from the user terminal for the clerk to check, and determines whether the clerk is the same person in contrast to the user image with the naked eye. However, it is not always necessary to compare the user image with the user, and may be performed by image processing in the payment terminal. This is described later in another embodiment of the present invention.

If the user is authenticated as a party user, the payment terminal processes the payment using the received payment means information, and provides the payment processing result to the user terminal. The user terminal can check the payment processing result.

Hereinafter, a detailed process of each embodiment for executing a user verification method in a user terminal will be described.

Referring to FIG. 3, in a user verification method of a user terminal according to an embodiment of the present invention, the user terminal executes an electronic wallet application according to a user's input (S310), and displays a user image matched with the electronic wallet application. Loading (S320), transmitting the payment means information and the user image stored in the electronic wallet application to the payment terminal (S330) and receiving a payment processing result from the payment terminal (S340) This works to make it possible.

When a command for executing a user wallet application is input, the user terminal not only executes the wallet application but also loads a user image matched with the wallet wallet application. The loaded user image may be displayed on the display unit of the user terminal to be confirmed by the user, or may be loaded in a state capable of being transmitted to the payment terminal without being displayed to the user.

The user image is stored in matching with the electronic wallet application. In this case, the matching and storing means that the user image is included in the information about the electronic wallet application or stored separately, but stored in a form that is loaded as the electronic wallet application is executed.

The user terminal transmits the payment means information and the user image to the payment terminal for payment processing. As mentioned above, the method of transmitting is not limited. In the payment terminal, the user terminal determines whether the user is a political party, processes the payment according to the determination result, and when the payment processing result is transmitted, the user terminal receives the information and provides it in a form that the user can confirm. If the payment is approved, the payment details may be displayed. If the payment is declined, the message may be displayed.

Referring to FIG. 4, the user verification method according to another embodiment of the present invention may further include a step (S410) in which the user terminal photographs the user image before the user terminal executes the electronic wallet application. At this time, the photographed user image not only matches the electronic wallet application but also matches the identification means of the user terminal (S420).

In the present embodiment, by identifying which user terminal the user image is captured, only the user image photographed by the user terminal used for payment by the user can be used for user verification. When verifying a user using images taken with different angles and pixels in various user terminals, it may be difficult to determine. According to the present embodiment, since only the user image photographed by the user terminal is identified, Users can be verified consistently.

In this embodiment, the identification means is transmitted together with the payment means information and the user image. As a result, the payment terminal receives the identification means and the identification means matched with the user image, respectively, and compares them, so as to confirm whether the received user image is photographed by the user terminal presented by the user.

On the other hand, the user verification method of the user terminal according to another embodiment of the present invention, when loading the user image, including a notification message indicating that the user image for the purpose of the user can be loaded and displayed on the user terminal have. As a result, the user can check how the user image, which is a kind of personal information, is utilized and spread.

Referring to FIG. 5, before the step of transmitting the payment means information and the user image, the user verification method of the user terminal according to another embodiment of the present invention confirms that the payment terminal can receive the payment means information and the user image. Further comprising the step (S525). When the payment terminal cannot receive the payment means information and the user image, the payment terminal information and the user image are displayed on the user terminal (S540).

The present embodiment differs in a method of providing payment means information and a user image according to whether the payment terminal can communicate. If the payment terminal is unable to communicate, payment means information and user image may not be received. In this case, therefore, another solution is required, and the present embodiment is applied in such a case.

In this embodiment, first, check whether the payment terminal can receive the information. As a specific example, the user terminal transmits a confirmation signal such as a ping signal to the payment terminal and waits for a response of the payment terminal to the corresponding confirmation signal. In case of receiving a response signal, the payment terminal determines that communication is possible, and provides payment means information and a user image to the payment terminal so that payment is processed. If a response signal is not received, i.e., the payment terminal does not have a communication function or it is impossible to transmit or receive information between the payment terminal and the user terminal, the present embodiment displays the payment means information and the user image on the user terminal. . Thus, the clerk of the store in which the payment terminal is installed identifies the user image displayed on the user terminal with the naked eye to identify whether the user is a party user.If the user is identified as the party user, the clerk inputs the payment method information displayed on the user terminal to the payment terminal. Make it happen. Accordingly, a payment terminal that is not equipped with a communication function may also be utilized in the present invention.

Referring to FIG. 6, in the method for verifying a user of a payment terminal according to an embodiment of the present invention, the payment terminal receives payment means information and a user image from the user terminal (S610). If the user is authenticated (S620), the user verification is performed through the step (S630) of processing the payment using the payment means information and the step of transmitting the payment processing result to the user terminal (S640).

An example of a process of authenticating a party user using a user image (the clerk checks with the naked eye and, if it is determined to be a party user, inputs a signal confirming that the user is a party user to the payment terminal) has been described above. An embodiment in which the terminal checks itself will be described later.

Referring to FIG. 7, in the method of verifying a user of a payment terminal according to another embodiment of the present invention, a process of processing a payment by using payment means information received from a user terminal is based on the payment processing method used in the technology prior to the present invention. Since it does not differ greatly, detailed description is omitted.

As in the previous embodiment, the user image can be matched with identification means of the user terminal. In this case, the payment terminal receives the identification means together with the payment means information and the user image matched with the identification means from the user terminal (S710).

According to the present embodiment, the payment terminal compares the identification means with the identification means matched with the user image (S715), and when the identification means are the same or corresponding, that is, when it is confirmed that the user image is taken by the corresponding user terminal. At S720, the payment is processed (S730). As a result, since the user is verified using only the user image photographed by the user terminal, the verification process can be performed consistently.

Referring to FIG. 8, in the method of verifying a user of a payment terminal according to another embodiment of the present invention, a cashier who operates the payment terminal does not verify the user and the user image with the naked eye but directly verifies the payment terminal. This embodiment further includes the step of photographing the user of the user terminal (S805) and comparing the received user image with the photographed user image before the payment processing step (S820) to determine whether the user is a legitimate user. .

The payment terminal compares an image obtained by directly photographing the user with an image received from the user (S815). For example, it may be determined whether the feature points of the user's faces match each image. Various image processing methods may be applied to determine whether the user is the same.

Various embodiments of the user verification method of the user terminal described above may be implemented in the form of a program, an application, a system file, or the like for performing this, and may be implemented by a computer-readable recording medium in which such a program is recorded. In addition, it may be implemented in the form of a device, a server for downloading such a program. This also applies to the user verification method of the payment terminal.

Hereinafter, a user terminal and a payment terminal according to an embodiment of the present invention will be described.

9 is a block diagram illustrating the user terminal illustrated in FIG. 1.

Referring to FIG. 9, the user terminal 110 illustrated in FIG. 1 includes an input unit 910 for receiving a user input, a communication unit 920 for transmitting and receiving information with a payment terminal, and an application storage unit for storing an electronic wallet application ( 930), a user image storage unit 940 for storing a user image matched with the electronic wallet application, and when the electronic wallet application execution command is received from the user through the input unit, executing the electronic wallet application stored in the application storage unit. When the application execution unit 950 and the electronic wallet application are executed, the user image and payment means information stored in the electronic wallet application are transmitted to the payment terminal through the communication unit, and the payment processing result received from the payment terminal is provided to the user. The control unit 960 is included.

The input unit 910 may be implemented by various types of input means employed in the user terminal 110, for example, a keypad, a keyboard, a button, and a touch display.

The communication unit 920 includes a configuration operable in accordance with various communication standards that are currently used or will be used as a communication device for the user terminal 110 to transmit and receive data with other devices, terminals, devices.

The application storage unit 930 is a component for storing data, and more specifically, an electronic wallet application. It may be implemented by a variety of storage means that can be mounted to the user terminal.

The user image storage unit 940 is also a configuration for storing data, and more specifically, a configuration for storing a user image, and may be implemented by various storage means that may be mounted in the user terminal 110. It may be implemented together in the same storage means as the application storage unit 930 and conceptually divided, or may be implemented by different storage means.

The application executor 950 and the controller 960 take a stored application, execute the stored application, process the data, and transmit the data to another component, and a processor capable of processing data such that each component can operate in conjunction with the user terminal 110. Can be implemented. The two may be separated from each other and implemented by different processors, or may be functionally separated in a state implemented in one processor.

Since a specific operation method and effects thereof of the user terminal 110 including the above configuration have been described above with reference to FIG. 3, redundant descriptions thereof will be omitted.

The user terminal according to another embodiment of the present invention further includes a camera unit 970 for capturing a user image, wherein the controller 960 stores the user image by matching the photographed user image with an identification means of the user terminal. In the storage unit 940, the identification means is also transmitted to the payment terminal. In this embodiment, the user can be verified using only the user image photographed by the corresponding user terminal 110. Details are mentioned above.

Meanwhile, another embodiment of the present invention further includes a display unit 980 for displaying an electronic wallet application execution result and a user image, and the controller 960 transmits a communication test signal to the payment terminal through the communication unit 920. In case the response to the communication test signal is not received from the payment terminal, the user image and the payment means information are displayed on the display unit 980.

The display unit 980 may be implemented by various display means, and when implemented by a touch display, may be implemented together with the input unit 910. This embodiment is for verifying a user when communication with a payment terminal is not possible.

Hereinafter, a payment terminal will be described.

FIG. 10 is a block diagram illustrating a payment terminal shown in FIG. 1.

Referring to FIG. 10, the payment terminal 120 illustrated in FIG. 1 uses a display unit 1010 displaying a user image received from a user terminal, a communication unit 1020 transmitting and receiving information with the user terminal, and a received user image. The authentication processing unit 1030 for confirming whether the user is a party user, the authentication processing unit 1030, the authentication processing unit 1030, the payment processing unit 1040 for processing the payment by using the payment means information received from the user terminal and each configuration The control unit 1050 for controlling the operation.

The display unit 1010 may be implemented by display means generally employed in the art, and the communication unit 1020 may use various communication devices that comply with various communication standards.

The authentication processor 1030, the payment processor 1040, and the controller 1050 may be implemented by a processor capable of processing data. Each may be separated and implemented by different processors, or may be functionally separated in a state implemented in one processor.

The authentication processor 1030 checks whether the user is a legitimate user based on the user image, and the operation varies depending on how the user image is compared with the user. When the clerk who manipulates the payment terminal 120 visually verifies the user, the authentication processing unit 1030 displays the received user image to the user through the display unit 1010 and receives a verification result input from the user to justify the user. Determine whether the user. In an embodiment in which the payment terminal 120 verifies the user through image processing and comparison, the payment terminal 120 further includes a camera unit 1060 for capturing the user image, and the authentication processing unit 1030 may include a user image received from the user terminal. The authentication process is performed by comparing the user image photographed by the camera unit 1060. The specific method of the authentication process by image comparison has been mentioned above.

Meanwhile, in another embodiment of the present invention, the user image is matched with the identification means of the user terminal, the communication unit 1020 receives the identification means from the user terminal, and the authentication processing unit 1030 is connected to the received identification means and the user image. Matched identification means are compared to determine if they are normal users. Since this embodiment has been described with reference to FIG. 7, it will not be repeated.

Referring to FIG. 11, an offline payment service system according to an embodiment of the present invention includes a terminal device 1110, a merchant device 1120, and a service device 1130.

When the payment request information is received from the service device 1130, the terminal device 1110 displays a payment screen on which payment request information is displayed, and when an approval command is input on the payment screen, the terminal 1110 displays payment approval history information. To send. That is, the terminal device 1110 may include a payment request information display area in which payment request information is displayed when payment request information including a product name, an affiliate store name, a payment amount, applicable additional benefit information, promotion information, recommendation card information, etc. is received; Displays a payment screen composed of an approval command input area for inputting an approval command. Here, the approval command input area may be displayed by various authentication methods such as a swipe method, a pattern lock method for payment, and a PIN number method.

The terminal 1110 is a terminal provided by a consumer who purchases a product at an affiliated store, and any terminal may be used as long as server-client communication with the service apparatus 1130 is possible, and a smartphone, a notepad, a laptop It is a broad concept that includes all communication computing devices such as laptop computers, tablet computers, etc., and it is not necessary to be limited to any particular terminal if communication through a communication network is possible.

A detailed description of the terminal 1110 will be described with reference to FIG. 12.

The merchant device 1120 recognizes user information by reading a card presented by the user for payment when purchasing a product offline, and payment information including recognized user information, payment amount, merchant information, product information, and the like. To the service device 1130. Here, the user information may be card identification information, the affiliated store information may be affiliated store identification information, and the product information may include a purchased brand name, a product price, a product quantity, and the like.

That is, the merchant device 1120 reads the plastic card received from the user who purchased the merchandise, and recognizes the user information contained in the plastic card. Here, the plastic card is a card used for identification of a user, and if a unique number such as a credit card, a check card, or a membership card is assigned, it does not need to be limited to any particular card.

The merchant device 1120 may be a Point of Sale (POS), a credit card reader, a Radio-Frequency Identification (RFID) reader, a terminal (computer, mobile phone, smart phone, etc.) installed in the merchant.

Detailed description of the affiliated store device 1120 will be described with reference to FIG. 13.

When the service device 1130 receives payment information including user information, payment amount, merchant information, product information, etc. from the merchant device 1120, the promotion currently applied at the affiliate store and applicable additional benefits based on the payment information. The information is inquired, payment request information is generated based on the inquiry result, and transmitted to the terminal device 1110 of the corresponding user. That is, the service device 1130 inquires benefit information such as membership and coupon of the affiliated store using the affiliated store identification information, and retrieves additional payment information such as membership and coupon held by the user using the user information. Thereafter, the service device 1130 compares the user's additional payment information with the merchant's benefit information to search for additional benefit information applicable at the affiliated store, and the terminal additional information together with the promotion information currently in progress at the merchant. 1110). Here, the payment request information may include a product name, a merchant name, a payment amount, additional benefit information, promotion information of the corresponding affiliate store, and the like.

When the card use condition corresponding to the user identification information is set, the service device 1130 selects a recommendation card according to the card use condition, and sends the recommendation card information to the user terminal 1110 together with the payment request information. Can transmit Through this, the service device 1130 may induce a user to use a card in a priority order when making a payment according to a product purchase, and induce a user to select a card having a next priority when the user sets a predetermined amount.

The service device 1130, when the payment approval history information is received from the terminal device 1110, performs a payment based on the payment approval history information, and when the payment is completed, generates an electronic receipt and transmits it to the terminal device 1110. Then, the payment completion information is transmitted to the merchant device 1120.

The service device 1130 may communicate with other electronic devices through various communication standards, and may be implemented through an electronic device capable of performing various data processing operations. For example, the service device 1130 may be implemented in the form of a server device, and may be implemented in the form of various electronic devices in addition to the form of the server device. In addition, the service device 1130 may be implemented in the form of a single electronic device, or may be implemented in the form of a combination of two or more electronic devices.

Detailed description of the service device 1130 will be described with reference to FIG. 14.

The terminal device 1110, the affiliated device device 1120, and the service device 1130 are interworked with each other through a communication network. The communication network uses an internet protocol using various wired and wireless communication technologies such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. A network that can send and receive data. In addition, the communication network is combined with the service device 1130 to store computing resources such as hardware and software.

12 is a block diagram illustrating the terminal device shown in FIG. 11.

Referring to FIG. 12, the terminal device 1110 illustrated in FIG. 11 includes a communication unit 1210, an input unit 1220, a display unit 1230, a storage unit 1240, a payment app driving processor 1250, and a controller 1260. ).

The communication unit 1210 is a communication means for connecting the terminal device 1110 and the service device to each other through a communication network. For example, a wireless communication module such as mobile communication or satellite communication, a wired communication module such as the Internet, and a short range wireless communication such as Wi-Fi, etc. It may include a communication module.

The input unit 1220 is a means for receiving a user request for controlling the operation of the terminal device 1110, and converts the user's request into an electric signal according to a user's operation. The input unit 1220 is an input unit for receiving letters, numbers, text, voice, movement, tactile sense, time, etc. from the user. For example, the input unit may be a keyboard, a keypad, a touch screen, a visual sensor, a tactile sensor, a motion detector. It may be implemented in various forms such as a voice input means. In addition, the input unit 1220 may be implemented in the form of a touch screen integral with the display unit 1230. The input unit 1220 may be used to receive a payment approval command, a card use condition, and the like.

The display 1230 displays various information related to the operation of the terminal device 1110. The display unit 1230 may be in the form of a visually identifiable display.

The storage unit 1240 stores a program necessary for controlling the operation of the terminal device 1110 and data generated while executing the program. The storage 1240 may be implemented in a form including various types of memory devices. In particular, when the payment request information is received, the storage unit 1240 displays a payment screen on which the payment request information is displayed on the display unit 1230, and transmits the payment approval history information to the service device when an approval command is input on the payment screen. There is a payment app that you can use.

When payment request information is received from the service device through the communication unit 110, the payment app driving processor 1250 drives the payment app stored in the storage unit 1240 to display a payment screen on which the payment request information is displayed on the display unit 1230. Mark on. The payment screen may include a payment request information display area in which payment request information is displayed and an approval command input area for inputting an approval command. Here, the payment request information may include a product name, merchant name, payment amount, additional benefit information, promotion information of the merchant, recommendation card information, etc., the user wants to use additional benefit information displayed in the payment request information display area The benefit information may be selected, and the card to be used may be selected from the recommendation card information. Thereafter, when the user inputs an approval command in the approval command input area, the payment app driving processor 1250 transmits payment approval history information including the selected additional benefit information and the selected card information to the service device. The authorization command input area may be displayed by various authentication methods, such as a swipe method, payment pattern lock, PIN number authentication, and fingerprint authentication.

Referring to FIG. 16 for the authentication by swipe method, the payment screen 1600 displays the payment request information in which Spon / Branch Co., Ltd. (name of affiliate), 35,000 won (payment amount), and Shin Jin-cheol (user name) are displayed. The area 1610 includes an approval command input area 1620 for inputting an approval command by swipe, and a user approves payment with swipe only in the approval command input area 1620. That is, when a push message including payment request information is received, the payment app driving processor 1250 displays a payment screen as shown in FIG. 16, and the user pulls down the message or displays a payment amount displayed in a pop-up message shown at the center. Press the Report Approval button.

Referring to FIG. 17 for authentication by pattern lock for payment, the payment screen 1700 is a payment request information display area in which Spon / Branch (name of affiliate), 35,000 won (payment amount), and Shin Jin-cheol (user name) are displayed. 1710, and an approval command input area 1720 for inputting an approval command in a pattern, and the user approves the payment by unlocking the pattern in the pattern display area 1720. That is, when the payment request information is received by a push, the payment app driving processor 1250 notifies the user that the payment request has been received through a pop-up screen, and executes the payment app when the lock is released through a predetermined pattern. You can immediately approve payment.

Referring to FIG. 18 for PIN number authentication, the payment screen 1800 includes a payment request information display area 1810 in which Spon / Branch Co., Ltd. (name of affiliate), 35,000 won (payment amount), and Shin Jin-chul (user name) are displayed. And an approval command input area 1820 for inputting an approval command by number input, and the user inputs a PIN number in the approval command input area 1820 to approve payment.

In this way, the user can grant approval by simple payment such as simple swipe, pattern unlock, PIN number authentication, and fingerprint authentication according to their preferred security level.

In addition, when the payment app driving processor 1250 receives a card use condition for offline payment, the payment app driving processor 1250 registers the card use condition to the service device. Then, the user may be encouraged to use the priority card when making a payment, and to select the next priority card when the user uses the amount set by the user. That is, when the user selects the card use condition setting menu from the menu provided by the payment app, the payment app driving processor 1250 displays the card use condition setting screen on the display 1230. When the user inputs a card use condition such as a benefit priority mode, a card priority, and a target use amount for each card on the card use condition setting screen, the payment app driving processor 1250 receives the input card use condition through the communication unit 1210. Send to service device.

For example, the user may enter a benefit priority mode as a card use condition that allows the user to preferentially select a card having the largest discount, accumulation, and point use. In addition, the user may input the target use amount for each card and the priority of each card as the card use condition. In addition, the user may receive specific benefit priority information such as priority by card with a high number of interest-free installment months, priority by card with a high discount rate, discount using membership cards, and priority based on integrated payment using coupons and points. Can be entered as a card use condition.

The control unit 1260 controls the overall function of the terminal device 1110 by executing a driving program stored in the storage unit 1240 according to an instruction of the terminal device user input through the input unit 1220.

The controller 1260 controls operations of each unit such as the communication unit 1210, the input unit 1220, the display unit 1230, the storage unit 1240, and the payment app driving processor 1250.

The controller 1260 may include at least one arithmetic unit, wherein the arithmetic unit is a general purpose central arithmetic unit (CPU), programmable device elements (CPLDs, FPGAs), and on-demand semiconductor arithmetic units suited for a specific purpose. (ASIC) or microcontroller chip.

Referring to FIG. 13, the affiliated store device 1120 illustrated in FIG. 11 includes a card reader 1310, an input unit 1320, a display unit 1330, a control unit 1340, and a communication unit 1350.

The card reader unit 1310 acquires the information stored in the magnetic part of the card presented by the user who purchased the product, the barcode information printed on the front and back sides, the information stored in the IC unit, and the information stored in the RFID unit. For example, it may be a magnetic card reader, a barcode reader, an IC card reader, an RFID card reader, or the like. In this case, the card is a credit card, check card, membership card, etc., and is used only for identity verification, so that the existing plastic card infrastructure can be used as it is. Since you can use your card, you rarely need to issue a new card.

When the user information is recognized through the card reader unit 1310, the controller 1340 generates payment information including at least one of user information, product information, payment amount, and merchant information, and converts the generated payment information into a communication unit ( Send to the service device through 1350. At this time, the controller 1340 encrypts the payment information and transmits it to the service device. The user information may include card identification information, user identification information, and the like. The product information may include a brand name, a product price, a product quantity, and the like, and the affiliated store information may include affiliated store identification information.

The controller 1340 controls the operations of each unit such as the card reader 1310, the input unit 1320, the display unit 1330, and the communication unit 1350.

Such components that may be included in the merchant device 1120 may be implemented in hardware, software, or a combination thereof, and two or more components may be simultaneously implemented by one hardware or software.

FIG. 14 is a block diagram illustrating a service device shown in FIG. 11.

Referring to FIG. 14, the service device 1130 illustrated in FIG. 11 includes an affiliate store information database 1410, a user information database 1420, a communication unit 1430, a register unit 1440, a payment request information generation unit 1450, and the like. The payment processing unit 1460 and the control unit 1470 are included.

The merchant information database 1410 stores affiliated store identification information, promotion information, benefit information, and the like. Here, the benefit information includes information such as memberships, coupons and the like available at the affiliated store. In addition, the merchant information database 1410 may store and manage the benefit information for each credit card available in each merchant.

The user information database 1420 stores user identification information, terminal device identification information, holding card information, additional payment information, card use conditions, and the like. Here, the user identification information may include a user ID / password, terminal device identification information, card identification information, and the like, and the retention card information may include card names, card numbers, expiration dates, etc. of cards held by the user. The additional payment information may include membership card information, coupons, points, gift certificates, T-money, and the like.

When a plurality of card information or card use conditions are received through the communication unit 1430, the registration unit 1440 registers the card information or card use conditions in the user information database 1420.

If the payment request information generation unit 1450 receives payment information including at least one of user information, merchant information, product information, and payment amount, the promotion currently in progress and applicable additional benefit information based on the payment information. Search and generate payment request information based on the inquiry result and transmit it to the corresponding terminal device.

That is, when the encrypted payment information is received, the payment request information generation unit 1450 decrypts the encrypted payment information to identify user information, merchant information, product information, payment amount, and the like. Next, the payment request information generation unit 1450 searches the affiliate store information database 1410 with the affiliate store information, and retrieves the benefits information such as membership and coupons of the affiliate store and the promotion currently in progress at the affiliate store. In addition, the payment request information generation unit 1450 searches the user information database 1420 with the user information and inquires additional payment information such as membership, coupon, etc. held by the user. Thereafter, the payment request information generation unit 1450 compares the additional payment information of the user and the benefit information of the affiliated store and applies it to the product information among the additional payment information available at the affiliated store and the benefit information of the affiliated store among the additional payment information of the user. Search for possible benefit information. The payment request information generation unit 1450 generates additional payment information and benefit information applicable to the product information as additional benefit information, and transmits the generated additional benefit information and promotion information currently in progress at the merchant to the terminal device. do. In this case, the payment request information generation unit 1450 pushes the payment request information to be processed by various authentication methods such as payment pattern lock, PIN number authentication, and fingerprint authentication.

In addition, when the card use condition corresponding to the user identification information is set in the user information database 1420, the payment request information generation unit 1450 selects a recommendation card according to the card use condition, and sets the recommendation card information as payment request information. And transmit to the user's terminal device.

For example, when a benefit priority mode for preferentially selecting a card having the largest discount, accumulation, and point use is set as a card use condition, the payment request information generation unit 1450 is registered in the user information database 1420. Among the cards possessed by the user, the card having the largest discount, accumulation, points, etc., may be selected as a recommendation card in the affiliated store.

In addition, when the card priority (for example, A card, B card, C card order) and the target use amount for each card are set as the card use condition, the payment request information generation unit 1450 uses the accumulated use amount of the A card as the target use. Compared with the amount, it can be selected as the recommendation card to pay A card first by N amount if there is a usable amount, and to pay B card by M amount when N amount is exhausted.

In addition, the payment request information generation unit 1450 inquires the optimal benefit information and applicable additional benefit information for each credit card of the corresponding merchant based on the holding card information and the additional payment information inquired in the user information database 1420, and The inquired information may be selected as optimal integrated payment information and provided to the terminal device.

That is, the payment request information generation unit 1450 analyzes the recommended payment method based on additional payment information such as membership cards, coupons, points, and credit card benefits available at the affiliate store, and generates the analysis result as payment request information. To the terminal device. The reference information used to analyze the recommended payment method is stored in the user information database 1420 as specific benefit priority information preset by the user. However, when the specific benefit priority information is not stored in the user information database 1420, the payment request information generator 1450 may analyze the recommended payment method based on preset reference information.

The payment request information generation unit 1450 sets an integrated payment method to which the optimal integrated payment benefit is applied based on the recommendation priority information or additional payment information of each merchant's credit card, so that the user does not check the payment benefit information. If not, a payment method that automatically applies the benefits of the best condition is selected so that an optimal payment can be performed.

When payment approval history information is received from the terminal device, the payment processing unit 1460 performs a payment based on the payment approval history information, generates an electronic receipt and transmits it to the terminal device, and transmits the payment completion information to the corresponding merchant device. do. That is, the payment processing unit 1460 performs payment by applying promotions, additional benefit information, recommendation cards, etc. of the affiliated stores included in the payment approval history information. For example, the payment processing unit 1460 may apply a promotion being performed by a merchant to perform a payment at a discounted amount, and additionally provide an accumulation, a bonus, and the like. In addition, the payment processing unit 1460 may perform a payment with a card selected as a recommendation card among a plurality of cards owned by the user. In addition, when at least one of payment of a membership card, a discount using a coupon, and a certain amount of payment using points is possible before the credit settlement, the payment processing unit 1460 performs the credit settlement after the settlement using the additional payment method.

In this way, the payment processing unit 1460 performs a promotion discount, membership earning, complex payment based on the payment approval history information, and informs the customer and the merchant of the completion of the payment.

The controller 1470 controls the operations of each unit such as the merchant information database 1410, the user information database 1420, the communication unit 1430, the registration unit 1440, the payment request information generation unit 1450, and the payment processing unit 1460. .

Such components that the service device 1130 may include may be implemented in hardware, software, or a combination thereof, and two or more components may be simultaneously implemented by one hardware or software.

Referring to FIG. 15, in the offline payment service method according to an embodiment of the present invention, when a merchant device reads a card presented by a user at the time of payment according to a product purchase offline, user information is recognized (S1502), user information and payment Payment information including the amount of money, merchant information, product information, etc. is generated (S1504), and the generated payment information is transmitted to the service device (S1506).

The service device inquires the current promotion and applicable additional benefit information in the affiliate store based on the payment information (S1508), generates payment request information based on the inquiry result (S1510), and transmits the information to the user's terminal device (S1510). S1512). In this case, when the card use condition corresponding to the user information is set, the service device may select the recommendation card according to the card use condition and transmit the recommendation card to the user's terminal device together with the payment request information.

In operation S1512, the terminal device receiving payment request information displays a payment screen on which payment request information is displayed (S1514). The payment screen includes a payment request information display area in which payment request information is displayed, and an approval command input area for inputting an approval command.

When the user inputs an approval command on the payment screen (S1516), the terminal device transmits payment approval history information to the service device (S1518). That is, since the payment request information includes a product name, a merchant name, a payment amount, additional benefit information, promotion information of the corresponding merchant, recommendation card information, and the like, the user may use additional benefit information to be used among additional benefit information displayed in the payment request information display area. Select a card to be used in the recommendation card information. Thereafter, when the user inputs an approval command in the approval command input area, the terminal device transmits payment approval history information including the selected additional benefit information, the selected card information, and the like to the service device.

The service device performs a payment based on the payment approval history information transmitted from the terminal device (S1520). When the payment is complete, the service device generates an electronic receipt (S1522), transmits the generated electronic receipt to the terminal device, and transmits payment completion information to the affiliated device (S1524a, S1524b).

Computer-readable media suitable for storing computer program instructions and data include, for example, magnetic media such as hard disks, floppy disks, and magnetic tape, such as magnetic disks, compact disk read only memory (CD-ROM), and DVDs. Optical Media such as Digital Video Disk, Magnetic-Optical Media such as Floppy Disk, and Read Only Memory, RAM, Random Semiconductor memories such as access memory (EPM), flash memory, erasable programmable ROM (EPROM), and electrically erasable programmable ROM (EEPROM). The processor and memory can be supplemented by or integrated with special purpose logic circuitry. Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Although the specification includes numerous specific implementation details, these should not be construed as limiting to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. In certain cases, multitasking and parallel processing may be advantageous. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

On the other hand, the embodiments of the present invention disclosed in the specification and drawings are merely presented specific examples for clarity and are not intended to limit the scope of the present invention. It is apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

The present invention executes an electronic wallet application according to a user input, loads a user image matched with the electronic wallet application, transmits the payment means information and the user image stored in the electronic wallet application to the payment terminal, and processes the payment from the payment terminal. The result can be received. In addition, when payment information including at least one of user information, merchant information, product information, and payment amount is received from the merchant device, the promotion and the applicable additional benefit information currently in progress at the corresponding merchant are inquired, and the inquired promotion and addition The payment request information including the benefit information is transmitted to the terminal device of the user, and when the payment approval history information is received from the terminal device, the payment is made based on the payment approval history information, and an electronic receipt is generated to the terminal device. In addition, the payment completion information may be transmitted to the affiliated device. Furthermore, when paying for a product purchase, the user can apply all credit cards, mobile coupons, membership benefits, and merchant promotion benefits that he / she owns with only one plastic card.

Claims

An advertisement processing unit which receives an advertisement for a user from an advertisement providing server, outputs the advertisement to a display, and receives selection information of the output advertisement from a user;

A purchase processor configured to provide a payment interface to the user to purchase a product related to the advertisement when the selection information of the advertisement is input from the user, and receive payment information from the user through the payment interface; And

And a payment processing unit for processing payment using payment information input from a user and transmitting the payment information so as to be used as retargeting information.
The method of claim 1,

The ad processing unit

Receive coupon information about the product related to the advertisement from the advertisement providing server,

The purchase processing unit

The advertisement providing terminal apparatus outputs the received coupon information on a display when the selection information of the advertisement is input from a user, and outputs the payment interface on the display when the consent information for the use of the coupon is input by the user. .
The method of claim 2,

The purchase processing unit

And when the consent information for the use of the coupon is input by the user, the coupon application price applying the coupon to the selling price is calculated, and the calculated coupon application price is output to the payment interface.
The method of claim 1,

The purchase processing unit

Receive the wallet information received from the advertisement providing server through a wallet application for the wallet service, and controls to display the delivery information and the payment information included in the received wallet information on the payment interface, the wallet information and the payment The user terminal device, characterized in that for transmitting information to the payment processing unit.
The method of claim 4, wherein

The Wallet Information

And at least one of user payment card and account information, shipping address information, coupon and gift certificate information, affiliate card information, and point information.
An advertisement processor that receives an advertisement providing request from an advertisement providing terminal, obtains an advertisement for the user, and transmits the advertisement to the advertisement providing terminal;

A payment processing unit requesting payment approval by transmitting the received payment information to a payment server when receiving payment information of a product related to the advertisement from an advertisement providing terminal; And

And a data manager to manage the received payment information as retargeting information for the user.
The method of claim 6,

The advertisement providing server device

When the advertisement for the user is obtained, the coupon information corresponding to the advertisement obtained from the coupon server is obtained and transmitted to the advertisement providing terminal. When the coupon use consent information is received from the advertisement providing terminal, the received coupon use history information is received. The advertisement providing server apparatus further comprises a coupon processing unit for transmitting to the server.
The method of claim 6,

The data management unit

Retargeting information is stored in the service history DB using the payment information received from the advertisement providing terminal as retargeting information for the user, and analyzing the purchase pattern of the user based on the retargeting information to retarget the advertisement to the user. Ad providing server device, characterized in that for generating.
The method of claim 8,

The advertisement providing server device

Further comprising a target advertising DB for storing the target advertisement for the user,

The data management unit

And when the retargeting advertisement is generated for the user, updating the generated retargeting advertisement to the target advertisement DB.
The method of claim 6,

The payment processing unit,

When the wallet information for the order of the goods is requested from the advertisement providing terminal through the wallet application, the service device characterized in that for transmitting the wallet information for the order of the goods exposed in the advertisement to the advertisement providing terminal.
Receiving, by the advertisement providing terminal device, an advertisement from the advertisement providing server;

Outputting the received advertisement to a display and receiving selection information of the output advertisement from a user;

If a selection information of the advertisement is input from the user, providing a payment interface to the user to purchase a product related to the advertisement;

Receiving payment information for purchasing the product through the payment interface from a user;

Processing a payment using payment information input from a user; And

Transmitting the payment information to be used as retargeting information.

Advertisement providing method comprising a.
The method of claim 11,

Receiving the advertisement

Further receiving coupon information about a product related to the advertisement from an advertisement providing server;

Providing the payment interface

Outputting the received coupon information on a display when the selection information of the advertisement is input from a user;

Outputting the payment interface on a display when consent information for the use of the coupon is input from a user;

Calculating a coupon application price in which a coupon is applied to the selling price when the consent information for the coupon use is input from a user; And

And outputting the calculated coupon application price to the payment interface.
The method of claim 11,

The advertisement providing method

Requesting wallet information for ordering of the product in association with a wallet application providing a wallet service when the selection information of the advertisement is input from the user;

Receiving wallet information for ordering the product from the advertisement providing server; And

Displaying the wallet information on the payment interface.

Advertising providing method further comprising a.
Receiving, by the advertisement providing server apparatus, an advertisement providing request from the advertisement providing terminal;

If an advertisement providing request is received from an advertisement providing terminal, acquiring an advertisement for the user and transmitting the advertisement to the advertisement providing terminal;

Receiving payment information of a product related to the advertisement from an advertisement providing terminal;

Requesting payment approval by transmitting the received payment information to a payment server; And

Managing the received payment information as retargeting information for the user

Advertisement providing method comprising a.
The method of claim 14,

The step of transmitting the advertisement to the user terminal

Acquiring coupon information corresponding to an advertisement obtained from a coupon server when an advertisement for the user is obtained; And

Advertisement providing method comprising the step of transmitting the obtained coupon information to the advertisement providing terminal.
The method of claim 14,

Managing with the retargeting information

Storing the payment information received from the advertisement providing terminal as retargeting information for the user in a service history DB;

Analyzing a purchase pattern of a user based on the retargeting information;

Generating a retargeting advertisement by retargeting the advertisement to the user based on the purchase pattern analysis result; And

And updating the generated retargeting advertisement in a target advertisement DB.
The method of claim 14,

The advertisement providing method

Receiving a request for wallet information for ordering of the product in association with a wallet application providing a wallet service from the advertisement providing terminal; And

Transmitting the wallet information for the order of the product to the advertisement providing terminal;

Advertising providing method further comprising a.
A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 11 to 17.
Receives a target advertisement for a user from an advertisement providing server and outputs it to a display. When selection information of the output advertisement is input from the user, payment information for purchase of a product related to the advertisement is received, and payment information input from the user. An advertisement providing terminal for transmitting payment to the advertisement providing server to process payment; And

When the advertisement providing request is received from the advertisement providing terminal, the target advertisement for the user is obtained and transmitted to the advertisement providing terminal, and when the payment information of the product related to the advertisement is received from the advertisement providing terminal, the received payment information is transmitted to the payment server. Requesting payment approval, and managing the received payment information as retargeting information for the user.

Advertisement providing system comprising a.