WO2017039369A1

WO2017039369A1 - Device for processing payment information by using mobile terminal, and system and method therefor

Info

Publication number: WO2017039369A1
Application number: PCT/KR2016/009820
Authority: WO
Inventors: 홍교식; 전현주
Original assignee: 홍교식; 전현주
Priority date: 2015-09-02
Filing date: 2016-09-02
Publication date: 2017-03-09
Also published as: KR20170027502A

Abstract

The present invention relates to a device for processing payment information by using a mobile terminal, and a system and a method therefor, and the objective of the present invention is to provide a device for processing payment information by using a mobile terminal, and a system and a method therefor, the device automatically transmitting an order to a payment terminal and a kitchen terminal of a member store when a customer chooses, through a mobile application, the member store having products that the customer wants to buy and makes an order while viewing the menu information of the corresponding member store, and enabling payments to be easily processed later, thereby being highly convenient, having great economical benefits, and enabling tax evasion to be prevented.

Description

Payment information processing device and system and method using mobile terminal

The present invention relates to a payment information processing apparatus and a system and method using a mobile terminal, in more detail, when a customer selects an affiliated store to purchase a product through a mobile application and generates an order while viewing menu information of the affiliated store; The present invention relates to a payment information processing apparatus and a system and method using a mobile terminal having high convenience and large economic benefits by automatically being transmitted to a payment terminal and a kitchen terminal of a merchant and allowing future payment processing to be easily performed.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on the rapid development of communication technology, a payment system in which credit card payment is made through a payment terminal of an affiliated store has recently been established, but such a payment system has been an economic burden because a Bansa fee has been added to the merchant owner.

In addition, the customer had a problem of having to line up at the payment counter for card payment, and the merchant had to place a separate employee at the payment counter for peak payment time for this existing payment system. .

In addition, in the general store, the product order is also required by a separate employee to provide the customer with a menu containing the product information and ask the customer what product to purchase. This means that employees have to do other things first, and then stop doing things again when the customer calls them, move to the customer side to receive the order, and inform the kitchen of the order that they have received, which can be very cumbersome and inefficient. There was a problem that the order of can be reversed.

On the other hand, the existing payment system has a problem that it is difficult to secure a transparent and correct tax revenue because payment is made through neighboring merchants or paper companies to avoid income tax. In other words, there was no way to monitor the payment even if the payment is made at a place other than the affiliated store.

In order to prevent this, a short distance wireless communication system such as a beacon needs to be separately installed, which requires more cost, which is also undesirable.

The present invention has been made in view of the above-described prior art, and when a customer selects an affiliated store to purchase a product through a mobile application and generates an order while viewing menu information of the affiliated store, the payment terminal and the kitchen of the affiliated store are automatically generated. It is an object of the present invention to provide a payment information processing apparatus and a system and method using a mobile terminal that can be easily transmitted to a terminal and facilitate payment processing in the future, which has high convenience, large economic gain, and prevents tax evasion.

In order to achieve the above object, according to a preferred embodiment of the present invention, the merchant information request signal generation unit 44 for requesting to view the merchant information located within a certain radius of the user to the payment brokerage server 10; An affiliated store selection unit 46 generating a selection signal for any one of a plurality of affiliated store information received from the payment brokerage server 10; Merchant information receiving unit 48 received the information about the merchant from the payment brokerage server 10; Order information input unit for inputting the order information for the purchase of goods after viewing the information on the merchant; A payment signal generator 52 for processing payment for the corresponding product purchase; Receiving affiliated store information within a certain radius of a user basis among a plurality of affiliated stores established in the settlement brokerage server 10 through communication with the settlement brokerage server 10, and selecting a specific affiliated store to view product information sold by the affiliated store. And the payment information processing apparatus using a mobile terminal, characterized in that it comprises a control unit 56 for controlling the payment processing through the payment intermediation server 10 by the specific product purchase selection and the generation of a payment signal Is provided.

Preferably, a plurality of merchant information received from the payment brokerage server 10 is provided with a payment information processing apparatus using a mobile terminal, characterized in that the screen output including the mutual and representative product information.

Preferably, the merchant information receiving unit 48 is provided with a payment information processing apparatus using a mobile terminal, characterized in that for receiving merchant code information, product information and payment related information, event information.

Preferably, the order information input unit is provided with a payment information processing apparatus using a mobile terminal, characterized in that the menu / table information input unit 50 for inputting menu and table information.

Preferably, the mobile phone, characterized in that configured to further include a GPS module (54) for automatically extracting and transmitting the user's location information to the payment intermediation server 10 in connection with the merchant information request signal generator 44 Provided is a payment information processing apparatus using a terminal.

Preferably, the affiliated store information request signal generator 44 is automatically driven when the application is driven to provide a payment information processing apparatus using a mobile terminal, characterized in that configured to generate a merchant information request signal.

On the other hand, the present invention is linked to the payment intermediation server 10 and the GPS module 54 mounted therein can request to view the merchant information within a certain radius and select a specific merchant, and when selecting a merchant to view the menu and product information and A user terminal (2) equipped with a payment information processing application (4) capable of ordering and generating purchases and payments for specific products; Register the sale product information, price information and event information with the payment broker server 10, receives the product purchase request information of a specific user from the payment broker server 10 to sell the corresponding product and receive the product payment signal A merchant payment terminal 6 which receives and performs payment processing; Receives and registers the sale product information, price information and event information from the merchant payment terminal (6), receives the merchant information viewing request signal from the user terminal (2) to extract and transmit the merchant information belonging to a certain radius, and Receiving merchant selection information, product order information and payment information from the user terminal (2) by intermediary processing to the merchant payment terminal (6) by the payment brokerage server 10 to view the merchant information and order and payment of goods can be mediated There is provided a payment information processing system using a mobile terminal, characterized in that configured to include.

Preferably, when the user terminal 2 transmits the product purchase request information of the user to the payment intermediation server 10, the table information of the affiliated store is displayed on the screen so that the table information is also transmitted, Provided is a payment information processing system using a mobile terminal, characterized in that the code information is displayed.

Preferably, the payment intermediation server 10 may receive the affiliate store information view request signal and the location information from the user terminal 2 and extract the affiliate store information located within a predetermined radius based on the corresponding location information in a distant order. There is provided a payment information processing system using a mobile terminal, characterized in that the merchant information is stored.

Preferably, the payment broker server 10 receives the affiliated store information viewing request signal and the location information from the user terminal 2 to extract the affiliated store information located within a certain radius based on the location information, the affiliated store in the high-rise building Provided is a payment information processing system using a mobile terminal, characterized in that the merchant information is classified and stored so that the information can be extracted from the first floor to the higher floor.

Preferably, the user terminal 2 is stored in the payment brokerage server 10 without using the user's location information when selecting a particular merchant, and directly enter a unique merchant phone number or merchant code information payment brokerage server Provided is a payment information processing system using a mobile terminal, characterized in that by selecting the affiliated store by transmitting to (10).

Preferably, the payment intermediation server 10 is configured to transmit the product order information to the kitchen terminal 8 registered to match with the merchant payment terminal 6 so that the automatic order to the kitchen terminal 8 is made. Provided is a payment information processing system using a mobile terminal.

Preferably, the merchant payment terminal 6 is a table with a table number is displayed, the payment by using a mobile terminal, characterized in that divided into the order waiting state, order completion and unpaid state, payment completion state in each table An information processing system is provided.

Preferably, the kitchen terminal 8 receives and displays a table number, menu information, and order order information from the payment brokerage server 10 when a user orders, and automatically selects a corresponding table number and menu information when selecting a deletion of the kitchen staff. The payment information processing system using a mobile terminal is provided, characterized in that the order management unit 14 to be deleted, and the order order information is updated.

Preferably, the merchant payment terminal 6 receives the signal from the payment intermediation server 10 when the user of the unpaid table performs the payment to be automatically displayed as complete payment, the user of the table indicated by the order Payment information processing system using a mobile terminal, characterized in that further comprises an order / payment status management unit 12 for receiving and displaying a conversion signal from the payment brokerage server 10 to be automatically displayed as an outstanding payment upon completion of the order This is provided.

Preferably, the payment brokerage server 10 is configured to store location information, merchant code information, menu information, table information, payment related information, event information of each affiliate store for each affiliate store, and back up corresponding data upon payment completion. Provided is a payment information processing system using a mobile terminal.

Preferably, the payment request signal received from the user terminal 2 via the payment intermediation server 10, the payment completion signal through the payment intermediation server 10 merchant payment terminal 6 There is provided a payment information processing system using a mobile terminal, characterized in that the configuration further comprises a credit card company server 20 or micro payment server 30 for transmission to.

Preferably, the settlement brokerage server 10 includes a merchant information registration unit 62 for registering location information, affiliate store code information, menu information, table information, and event information of each affiliate store for each affiliate store therein; A user information receiving unit 64 for receiving an affiliate store information request signal from the user terminal 2 and receiving a selection signal for a specific affiliate store; A merchant information extracting unit 66 for extracting affiliate store information within a predetermined radius based on the user terminal 2; An affiliated store information transmitter 68 for transmitting the affiliated store information to the user terminal 2; A menu / table information intermediary unit 70 for receiving a menu and table information on a specific affiliated store selected by the user from the user terminal 2 and transmitting the same to the payment terminal 6 of the affiliated store; A payment processing unit 72 receiving the payment request signal from the user terminal 2 and transmitting the credit request to the credit card company server 20 or the micropayment server 30 for payment processing; A mobile device comprising: a control unit 74 between the user terminal 2 and the affiliated payment terminal 6 for selecting a specific affiliated store and performing mediation processing of menu information, order information, and payment information. Provided is a payment information processing system using a terminal.

Preferably, the user information receiving unit 64 is provided with a payment information processing system using a mobile terminal, characterized in that further receiving location information from the user terminal (2).

Preferably, the menu / table information intermediary unit 70 registers the menu information and table information received from the user terminal 2 together with the affiliated store payment terminal 6 and the affiliated store payment terminal 6. 8) there is provided a payment information processing system using a mobile terminal, characterized in that simultaneously transmitted.

Preferably, the payment processing unit 72 receives the payment confirmation information from the credit card company server 20 or micropayment server 30 to transmit to the user terminal (2) or merchant payment terminal (6) Provided is a payment information processing system using a mobile terminal.

On the other hand, the present invention a) registering the merchant information to the payment brokerage server 10 through the merchant payment terminal (6); b) the payment intermediation server 10 receiving a merchant information request signal from the user terminal 2; c) the payment intermediation server 10 extracts the affiliate store information within a certain radius from the user terminal 2 and transmits it to the user terminal 2; d) receiving, by the payment intermediation server 10, a specific merchant selection signal from the user terminal 2; e) transmitting the detailed information on the affiliated store by the payment intermediation server 10 to the user terminal 2; f) receiving, by the payment broker server 10, order information from the user terminal 2; g) transmitting, by the payment broker server 10, the corresponding order information to the affiliated store payment terminal 6; h) transmitting the payment request signal from the user terminal 2 to the credit card company server 20 or the micro payment server 30 by the payment intermediation server 10; i) the payment intermediation server 10 receives the payment confirmation signal and transmits to the user terminal 2 and the merchant payment terminal 6, the payment information processing method using a mobile terminal further comprising do.

Preferably, between the process a) and b), the process of driving the payment information processing application (4) mounted on the user terminal (2); The payment information processing application 4 is provided with a payment information processing method using a mobile terminal, further comprising the step of automatically generating a merchant request signal to the payment intermediation server 10.

Preferably, the process b) is provided with the payment information processing method using a mobile terminal, characterized in that the payment intermediary server 10 further receives the position coordinates from the user terminal (2).

Preferably, if the step c) is omitted, the payment intermediation server 10 further includes a step of receiving a phone number or a unique code for a specific affiliated store from the user terminal 2. A payment information processing method is provided.

Preferably, the step e) is a payment using the mobile terminal, characterized in that the payment broker server 10 further comprises the step of extracting menu information, table information, payment information, event information for the merchant; An information processing method is provided.

Preferably, the process f) further comprises the step of the user terminal 2 to the payment brokerage server 10 selects a specific menu of the detailed information of the merchant, and transmits by inputting a table number Provided is a payment information processing method.

Preferably, the process g) is a process in which the payment intermediation server 10 simultaneously transmits the order information to the registered kitchen terminal 8 together with the affiliated store payment terminal 6 and the affiliated store payment terminal 6. A payment information processing method using a mobile terminal is provided.

Preferably, g) is a process of receiving a conversion signal from the payment intermediation server 10 and displaying it on the merchant payment terminal 6 so that the user of the table indicated by the order completes the order automatically. Provided is a payment information processing method using a mobile terminal, characterized in that included.

Preferably, between the steps g) and h), the kitchen terminal 8 receives and displays a table number, menu information, and order order information from the payment intermediation server 10 when the user orders. When the deletion is selected, the table number and menu information are automatically deleted and the order information is updated. The payment information processing method using the mobile terminal is further provided.

Payment information processing apparatus and system and method using a mobile terminal according to the present invention can quickly view the event information uploaded in real time uploaded from a number of merchants, merchants can actually proceed to a larger promotion to a user located nearby sales rate This can be increased, the user can simply sit down without calling the clerk without having to receive a menu when ordering from the merchant, and simply finish the order, the merchant does not need a staff to pass the menu board and staff for billing is very It is economical and the effect is that users do not have to wait in line in front of the counter for payment. Merchants can receive information on whether they are regular customers from the server through the application unique number. There is this.

1 is a schematic diagram showing a schematic configuration of a payment information processing system using a mobile terminal according to an embodiment of the present invention;

2 is a diagram showing the configuration of a payment information processing system using a mobile terminal according to an embodiment of the present invention;

3 is a view showing a merchant information registration unit of a payment brokerage server included in a payment information processing system using a mobile terminal according to an embodiment of the present invention;

4 is a block diagram showing the configuration of a payment information processing apparatus using a mobile terminal according to an embodiment of the present invention;

5 is a block diagram showing the configuration of a payment intermediation server included in a payment information processing system using a mobile terminal according to an embodiment of the present invention;

6 is a view showing a screen state of the merchant payment terminal included in the payment information processing system using a mobile terminal according to an embodiment of the present invention;

7 is a diagram illustrating an information change state of merchant payment terminals and kitchen terminals included in a payment information processing system using a mobile terminal according to an embodiment of the present invention.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a schematic diagram showing a schematic configuration of a payment information processing system using a mobile terminal according to an embodiment of the present invention, Figure 2 is a configuration of a payment information processing system using a mobile terminal according to an embodiment of the present invention 3 is a diagram illustrating an affiliated store information registration unit of a payment brokerage server included in a payment information processing system using a mobile terminal according to an embodiment of the present invention.

Referring to this, the payment information processing system using a mobile terminal according to an embodiment of the present invention automatically selects an affiliate store where a customer wants to purchase a product through a mobile application and generates an order while viewing menu information of the affiliate store. It is transmitted to the payment terminal and the kitchen terminal of the merchant, and the future payment processing can be easily performed, high convenience, high economic gain, and prevents tax evasion.

Payment information processing system using a mobile terminal according to an embodiment of the present invention can effectively promote the merchants in the local commerce zone, can significantly reduce the number of employees in the merchants, customers also very easy to order or payment High system.

In more detail, the payment information processing system using a mobile terminal according to an embodiment of the present invention includes a user terminal 2 possessed by a user who is a customer, and the user terminal 2 includes a payment intermediation server 10. And requesting to view affiliate store information within a certain radius in connection with the GPS module 54 mounted therein, and selecting a specific affiliate store, and viewing and ordering menu and product information when selecting an affiliate store, and purchasing and purchasing a specific product. It is a terminal equipped with a payment information processing application (4) capable of generating a payment.

That is, the user terminal 2 has a payment information processing application 4 mounted therein, and when the user drives the payment information processing application 4, the payment information processing application 4 automatically executes the user terminal. (2) Drive the GPS module 54 configured therein to automatically generate location information and nearby merchant information request signals.

The merchant is provided with a merchant payment terminal (6), the merchant payment terminal (6) is portable payment terminal possessed by the merchant owner.

The affiliated store owner registers the affiliated store information with the payment intermediation server 10 to mediate to the user, and registers the sale product information, the price information, and the event information with the payment intermediation server 10.

In addition, the merchant payment terminal 6 receives the product purchase request information of a specific user from the payment brokerage server 10 and sells the corresponding product and receives the product payment signal to perform payment processing.

In addition, the payment information processing system using a mobile terminal according to an embodiment of the present invention receives and registers the sale product information, price information and event information from the merchant payment terminal 6, merchant information from the user terminal (2) Receives a request for reading, extracts and sends affiliated store information within a predetermined radius, and receives affiliated store selection information, product order information, and payment information from the corresponding user terminal 2 and performs brokerage processing with the affiliated store payment terminal 6. It is configured to include a payment intermediation server (10) that allows information browsing and ordering and payment of goods.

The user terminal 2 has a payment information processing application 4 mounted therein. When the user drives the payment information processing application 4, the payment information processing application 4 automatically executes the user terminal 2; ) To generate the location information and the neighboring merchant information request signal automatically by driving the GPS module 54 configured therein, the payment intermediation server 10 receives the merchant information view request signal and the position information from the user terminal 2. The merchant information is stored so that the affiliated store information received within a predetermined radius based on the corresponding location information can be extracted from a short range to a long distance.

In the case of a restaurant, when the user arrives near the crowded restaurants, the user drives the payment information processing application 4, and preferably, the payment brokerage server 10 receives affiliated store information located within a 10-meter radius from the user's location. Extract it and send it to the user terminal 2.

Even if the restaurants are located in a crowded location, even if it is a radius of 10 meters, dozens of merchants may be extracted. In this case, the merchant information is extracted and displayed in a distant order from a short distance, and displayed on a screen in a distant order from a short distance. It is desirable to make it easy to select either merchant.

Merchant information is location information, merchant code information, menu information, table information, payment related information, event information of each merchant, the payment brokerage server 10 stores the corresponding information for each merchant.

The event information is mostly promotion information, and is guide information for discounting a specific menu within a specific period, a specific time, and the like.

Meanwhile, the payment intermediation server 10 receives affiliated store information viewing request signal and location information from the user terminal 2, extracts affiliated store information located within a predetermined radius based on the corresponding location information, and stores merchant information in a high-rise building. Merchant information is classified and stored to be extracted from the first floor to the higher floor.

In other words, when extracting affiliated store information, restaurants or other areas are densely populated, especially in the case of a multi-storey building, the malls are concentrated from the first floor to the higher floor. In this case, the affiliated store information may be extracted from the first floor to the highest order. The ranking is set.

On the other hand, as described above, the user may select any one of the plurality of merchants received from the payment brokerage server 10, but the payment brokerage server 10 only need to be aware of the selection of the merchant, so the user Direct transmission of information to manually select a merchant to the payment intermediation server (10).

Accordingly, the user terminal 2 is stored in the payment brokerage server 10 without using the user's location information when selecting a particular merchant, and directly inputs the unique merchant phone number or merchant code information to the payment broker server ( It is also possible to make it possible to select an affiliated store by transmitting to 10).

In addition, when the user terminal 2 transmits the product purchase request information of the user to the payment brokerage server 10, the table information of the affiliated store is displayed on the screen so that the table information is also transmitted, and the number or code is displayed on the table. The information is displayed.

When the user selects a specific affiliated store and enters the affiliated store, the product can be purchased. In the present invention, it is assumed that the affiliated store visited by the user is a restaurant.

In the case of a restaurant, instead of purchasing a product directly, the customer places an order for the product first.In order to deliver the product at the time of ordering, the merchant must be able to recognize which table customer paid at a later payment. do. The table information can be a table unique code and is generally numeric or alphabetical.

When the product order information is received, the payment brokerage server 10 is configured to transmit the product order information to the kitchen terminal 8 registered to be matched with the merchant payment terminal 6 to the kitchen terminal 8 An automatic order is made.

The order information includes table information and selection menu information, and the kitchen terminal 8 displays table information and selection menu information according to the order, so that the chef can accurately recognize the order of the products to be cooked.

On the other hand, the merchant payment terminal 6 is a table with a table number is displayed, each table is divided into the order waiting state, order completion and unpaid state, payment completion state is displayed.

That is, when the user selects a particular merchant, it is preferably displayed as 'not ordered', and when the order is made, the corresponding information is received through the payment brokerage server 10 and the merchant payment terminal 6 and the kitchen terminal 8. Is sent to, and the merchant payment terminal 6 is displayed as 'order'.

In addition, when the cooking is completed in the kitchen to serve the customer and deletes the order of the order from the kitchen terminal 8, the corresponding 'order' display of the merchant payment terminal 6 is automatically changed to 'unpaid'.

That is, the kitchen terminal 8 receives and displays a table number, menu information, and order order information from the payment brokerage server 10 when a user orders, and automatically displays the corresponding table number and menu information when selecting the deletion of the kitchen staff. It is deleted and configured to further include an order management unit 14 for updating the order order information.

In addition, when payment is made through the user terminal 2 in the 'unpaid' table, the payment intermediation server 10 transmits the payment completion details to the affiliated store payment terminal 6, the merchant payment terminal 6 ) Is marked as 'Payment Complete' for that table.

That is, the merchant payment terminal 6 receives the signal from the payment intermediation server 10 when the user of the unpaid table makes a payment and automatically displays the payment completed, and the user of the table indicated by the order is ordered. When completed, the order / payment status management unit 12 for receiving and displaying the conversion signal from the payment intermediation server 10 to be automatically displayed as an outstanding payment is configured.

On the other hand, the payment intermediation server 10 is the location information 62a, merchant code information 62b, menu information 62c, table information 62d, payment related information 62e, event information 62f of each merchant. Stores each merchant and is configured to back up the data when payment is completed.

At this time, the backup data can be utilized as regular customer information in the payment intermediation server 10, preferably backup the unique code of the payment information processing application 4 of the user terminal 2 to the backup data, the user When selecting the merchant immediately displays the merchant to the merchant payment terminal 6 that the specific user is a regular customer.

In addition, when the user generates an order signal, the merchant owner can check through the merchant payment terminal 6 how many times the regular customer places an order at the table.

On the other hand, the payment information processing system using a mobile terminal according to an embodiment of the present invention is configured to further include a credit card company server 20 or a small payment server 30, the payment received from the user terminal 2 during payment Credit card company server 20 or micropayment for transmitting a request signal via the payment intermediation server 10 and transmitting the payment completion signal to the merchant payment terminal 6 via the payment intermediation server 10. The server 30 is further configured.

In addition to the credit card company server 20 or micropayment server 30, it is possible to include a variety of payment means.

Figure 4 is a block diagram showing the configuration of a payment information processing apparatus using a mobile terminal according to an embodiment of the present invention.

Referring to this, the payment information processing apparatus using a mobile terminal according to an embodiment of the present invention shows a user terminal 2 equipped with a payment information processing application 4, the payment information processing application 4 is Communication module 42 for communicating with the payment intermediation server 10 is configured.

In addition, the payment information processing application 4 is configured to include a merchant information request signal generation unit 44 for requesting to view the merchant information located within a certain radius of the user to the payment broker server 10, the affiliated store The information request signal generator 44 is configured to automatically drive when the application is driven to generate the affiliate store information request signal.

Therefore, even if a user arrives at a restaurant dense area for lunch and drives the payment information processing application 4, the payment information processing application 4 automatically stores merchant information in the payment brokerage server 10. Generate a reading signal.

At this time, preferably in the payment information processing application 4 GPS module for automatically extracting and transmitting the user's location information to the payment intermediation server 10 in connection with the merchant information request signal generation unit 44 ( 54 is further included. When the payment information processing application 4 is driven, the controller 56 extracts the position coordinates of the user from the GPS module 54 and transmits it to the payment broker server 10.

In addition, the payment information processing application (4) includes an affiliated store selection unit (46) for generating a selection signal for any one of a plurality of merchant information received from the payment brokerage server (10); It is configured to include the merchant information receiving unit 48 received from the payment brokerage server 10 information on the merchant.

When a user runs the payment information processing application 4, a plurality of affiliated store information is received from the payment intermediation server 10 and displayed on the screen. Therefore, the user must select one affiliated store to visit or visit.

At this time, the plurality of merchant information received from the payment brokerage server 10 outputs the screen including mutual and representative product information.

On the other hand, the payment information processing application 4 may transmit any merchant selection signal to the payment broker server 10 without transmitting the current location information to the payment broker server 10, which is unique to the merchant. The user may input identification information (merchant unique code or telephone number) directly into the payment information processing application 4 and transmit it to the payment intermediation server 10.

As described above, when the user selects one affiliate store, the payment brokerage server 10 transmits various information related to the affiliate store to the affiliate store information receiving unit 48 of the payment information processing application 4.

At this time, the affiliated store-related information is the location information (62a), merchant code information (62b), menu information (62c), payment information (62e), event information (62f) of each merchant, the event information according to the card type The discount information and discount information according to the visit period are applicable.

In addition, the payment information processing application 4 is configured to include an order information input unit for inputting the order information for the purchase of goods after viewing the information on the merchant, the order information input unit preferably inputs menu and table information A menu / table information input unit 50.

In addition, the payment information processing application 4 includes a payment signal generator 52 for processing payment for the corresponding product purchase; Receiving affiliated store information within a certain radius of a user basis among a plurality of affiliated stores established in the settlement brokerage server 10 through communication with the settlement brokerage server 10, and selecting a specific affiliated store to view product information sold by the affiliated store. It is possible to, and comprises a control unit 56 for controlling the payment processing through the payment intermediation server 10 by the specific product purchase selection and the generation of a payment signal.

Preferably, the payment signal generator 52 is associated with the menu / table information input unit 50 to combine information on payment means such as payment information, for example, card information, and menu information and table information together in a packet form. It is configured to transmit to the payment intermediation server 10.

Therefore, the remote payment intermediation server 10 can determine what kind of food the user has ordered, which card the payment is to be made, and which table is being eaten at the table, so that the payment mediation process can be performed like a bansa server. have.

5 is a block diagram showing the configuration of a payment intermediation server included in a payment information processing system using a mobile terminal according to an embodiment of the present invention.

Referring to this, the payment intermediation server 10 included in the payment information processing system using a mobile terminal according to an embodiment of the present invention, the user terminal 2 and the credit card company server 20 or a small payment A communication module 60 for communicating with the server 30 is configured.

In addition, the payment intermediation server 10, therein is a merchant information registration unit 62 for registering the location information, merchant code information, menu information, table information, event information of each merchant for each merchant bar, the user Since the affiliate store information within a certain radius must be extracted based on the location of the user according to the affiliate store information request signal of the affiliated store, the affiliate store location coordinates are registered, and the menu information must be registered so that the user can view the product information or order the product. The table information to receive the product must also be registered. For example, if there are only 10 tables in a particular affiliated store and the number 12 of the table is transmitted from the user, the corresponding table number is an error.

In addition, the settlement brokerage server (10) includes a user information receiving unit (64) for receiving an affiliated store information request signal from the user terminal (2) and receiving a selection signal for a specific affiliated store; A merchant information extracting unit 66 for extracting affiliate store information within a predetermined radius based on the user terminal 2; The affiliated store information transmission unit 68 for transmitting the affiliated store information to the user terminal 2 is configured to be included.

On the other hand, the payment brokerage server 10, therein, the menu / table information intermediary for receiving the menu and table information for the particular merchant selected by the user from the user terminal 2 and transmits to the payment terminal 6 of the merchant Section 70; A payment processing unit 72 receiving the payment request signal from the user terminal 2 and transmitting the credit request to the credit card company server 20 or the micropayment server 30 for payment processing; A control unit 74 is provided between the user terminal 2 and the affiliated store payment terminal 6 to perform selection of a specific affiliated store, and to perform mediation processing of menu information, order information, and payment information.

At this time, the user information receiver 64 further receives location information from the user terminal 2.

In addition, the menu / table information intermediary unit 70 registers the menu information and the table information received from the user terminal 2 together with the affiliated store payment terminal 6 and the affiliated store payment terminal 6. Will be sent simultaneously.

On the other hand, the payment processing unit 72 receives the payment confirmation information from the credit card company server 20 or micropayment server 30 and transmits to the user terminal 2 or merchant payment terminal (6).

With reference to the accompanying drawings, the function and operation of the payment information processing apparatus and system using a mobile terminal according to an embodiment of the present invention of the above configuration will be described in detail.

6 is a view showing a screen state of the merchant payment terminal included in the payment information processing system using a mobile terminal according to an embodiment of the present invention, Figure 7 is a payment information using a mobile terminal according to an embodiment of the present invention FIG. Is a view illustrating information change states of merchant payment terminals and kitchen terminals included in the processing system.

First, an affiliated store payment terminal 6 is provided in an affiliated store configured in a payment information processing system using a mobile terminal according to an embodiment of the present invention, and the affiliated store payment terminal 6 is portable and is a payment terminal possessed by the affiliate store owner. to be.

In more detail, the affiliated store owner registers location information, affiliated store code information, menu information, table information (about the number of tables or service room information), and event information of each affiliated store in the settlement brokerage server 10.

In that state, the user arrives in the restaurant close area for lunch and then drives the payment information processing application 4 mounted on the user terminal 2.

Then, the payment information processing application 4 automatically generates a merchant request signal to the payment intermediation server 10. Preferably, the payment information processing application 4 automatically includes location information of the user when driven. By generating the merchant information request signal to the payment broker server (10).

Preferably, the affiliated store extraction range is suitable for a radius of about 10 meters or 5 meters, the payment brokerage server 10 extracts the affiliated store information located within a radius of 10 meters from the location of the user to transmit to the user terminal (2). .

Meanwhile, the payment intermediation server 10 receives affiliated store information viewing request signal and location information from the user terminal 2, extracts affiliated store information located within a predetermined radius based on the corresponding location information, and stores merchant information in a high-rise building. Is provided by extracting from the first floor to the highest.

When a user selects any one of a plurality of affiliated stores received through the payment information processing application 4 and visits the corresponding affiliated store, the payment brokerage server 10 uses the payment information processing application 4 to locate each affiliated store. Provides information, merchant code information, menu information, table information, payment related information, and event information.

In this case, although the payment intermediation server 10 may provide the payment information processing application 4 to select a plurality of affiliates based on the user's location, the payment intermediation server 10 recognizes the selection of the affiliated store. Since it is only necessary to do so, the user may manually transmit the information for manually selecting an affiliated store to the payment intermediation server 10.

That is, the user may request detailed information about the affiliated store by inputting a unique identification code of the affiliated store.

Subsequently, when the user transmits the product purchase request information of the user to the payment intermediation server 10 by using the payment information processing application 4, the table information of the affiliated store is displayed on the screen so that the table information is also transmitted. The number or code information is displayed in the table.

In the present invention, assuming that the merchant visited by the user is a restaurant, in the case of the restaurant, the goods are not immediately purchased, but the first order for the goods, to deliver the goods at the time of order, but at the time of payment, which table customer paid Merchants should be able to recognize the magazine, so enter the table information when ordering. The table information can be a table unique code and is generally numeric or alphabetical.

That is, as shown in FIG. 7, the kitchen terminal 8 displays the order number information 16 and the menu information 18 indicating the order of the order according to the order of the order on the screen on which the table number is displayed.

The chef gets three pieces of information from the screen.

First, you can find order menu information such as what menu should be cooked first, what menu is next, and second, which table ordered the menu.

Third, it is possible to determine the total number of orders currently pending, that is, the number of orders to be cooked.

On the other hand, the merchant payment terminal 6 is a table with a table number is displayed, the order waiting state (not shown), order completion (6a) and unpaid state (6b), payment completion state (6c) in each table It is displayed separately.

Meanwhile, the payment request signal received from the user terminal (2) at the time of payment is transmitted to the credit card company server 20 or the micro payment server 30 via the payment intermediation server 10, the credit card company server 20 Alternatively, the payment confirmation signal generated from the micro payment server 30 is transmitted to the merchant payment terminal 6 and the user terminal 2 through the payment intermediation server 10.

Therefore, the merchant owner and the user can mutually recognize whether the payment of the user.

On the other hand, the payment information processing apparatus and system and method using a mobile terminal according to an embodiment of the present invention is not limited only to the above-described embodiment is possible various modifications within the scope not departing from the technical gist.

Claims

Merchant information request signal generation unit 44 for requesting to view the merchant information located within a certain radius on the basis of the user to the payment broker server 10;

An affiliated store selection unit 46 generating a selection signal for any one of a plurality of affiliated store information received from the payment brokerage server 10;

Merchant information receiving unit 48 received the information about the merchant from the payment brokerage server 10;

Order information input unit for inputting the order information for the purchase of goods after viewing the information on the merchant;

A payment signal generator 52 for processing payment for the corresponding product purchase;

Receiving affiliated store information within a certain radius of a user basis among a plurality of affiliated stores established in the settlement brokerage server 10 through communication with the settlement brokerage server 10, and selecting a specific affiliated store to view product information sold by the affiliated store. And the payment information processing apparatus using a mobile terminal, characterized in that it comprises a control unit 56 for controlling the payment processing through the payment intermediation server 10 by the specific product purchase selection and the generation of a payment signal .
The method of claim 1,

The payment information processing apparatus using the mobile terminal, characterized in that the plurality of merchant information received from the payment brokerage server 10 is outputted including the mutual and representative product information.
The method of claim 1,

The merchant information receiving unit 48 is a payment information processing device using a mobile terminal, characterized in that for receiving merchant code information, product information and payment related information, event information.
The method of claim 1,

The order information input unit is a payment information processing apparatus using a mobile terminal, characterized in that the menu / table information input unit 50 for inputting menu and table information.
The method of claim 1,

The mobile terminal comprising a GPS module 54 which is linked to the affiliated store information request signal generator 44 and automatically extracts and transmits the user's location information to the payment broker server 10. Payment information processing device.
The method of claim 1,

The merchant information request signal generator 44 is automatically driven when the application is driven to generate a merchant information request signal, characterized in that configured to generate a signal request information.
In connection with the payment brokerage server 10 and the GPS module 54 mounted therein, it is possible to request to view merchant information within a certain radius and select a specific merchant, and to select and view menu and product information when selecting a merchant, A user terminal 2 equipped with a payment information processing application 4 capable of generating purchases and payments for goods;

Register the sale product information, price information and event information with the payment broker server 10, receives the product purchase request information of a specific user from the payment broker server 10 to sell the corresponding product and receive the product payment signal A merchant payment terminal 6 which receives and performs payment processing;

Receives and registers the sale product information, price information and event information from the merchant payment terminal (6), receives the merchant information viewing request signal from the user terminal (2) to extract and transmit the merchant information belonging to a certain radius, and Receiving merchant selection information, product order information and payment information from the user terminal (2) by intermediary processing to the merchant payment terminal (6) by the payment brokerage server 10 to view the merchant information and order and payment of goods can be mediated Billing information processing system using a mobile terminal, characterized in that configured to include.
The method of claim 7, wherein

When the user terminal 2 transmits the product purchase request information of the user to the payment intermediation server 10, the table information of the affiliated store is displayed on the screen so that the table information is also transmitted, and the number or code information is displayed on the table. Payment information processing system using a mobile terminal, characterized in that displayed.
The method of claim 7, wherein

The payment broker server 10 receives the affiliated store information request signal and the location information from the user terminal 2 to extract the affiliated store information located within a predetermined radius based on the corresponding location information in a short range from the affiliated store information. Payment information processing system using a mobile terminal, characterized in that the stored.
The method of claim 7, wherein

The payment intermediation server 10 receives the affiliated store information viewing request signal and the location information from the user terminal 2 to extract the affiliated store information located within a certain radius based on the location information, the merchant information in the high-rise building is 1 Payment information processing system using a mobile terminal, characterized in that the merchant information is classified and stored so that it can be extracted from the floor to the higher.
The method of claim 7, wherein

The user terminal 2 is stored in the payment brokerage server 10 without using the location information of the user when selecting a particular merchant, and directly enter a unique merchant phone number or merchant code information payment broker server 10 Payment information processing system using a mobile terminal, characterized in that by selecting the affiliated store by transmitting to.
The method of claim 7, wherein

The payment brokerage server 10 is configured to transmit the product order information together with the merchant terminal 8 to be matched with the merchant payment terminal 6, characterized in that the automatic order to the kitchen terminal 8 is made. Payment information processing system using a mobile terminal.
The method of claim 7, wherein

The merchant payment terminal 6 is a table with a table number is displayed, payment information processing system using a mobile terminal, characterized in that divided into the order waiting state, order completion and unpaid state, payment completion state in each table .
The method of claim 12,

The kitchen terminal 8 receives and displays the table number and menu information and order order information from the payment brokerage server 10 when the user orders, and automatically deletes the corresponding table number and menu information when selecting to delete the kitchen staff. Payment order processing system using a mobile terminal, characterized in that further comprises an order management unit 14 for updating the order order information.
The method of claim 7, wherein

The merchant payment terminal 6 receives the signal from the payment brokerage server 10 when the user of the unpaid table makes a payment and automatically marks the payment as completed, and the user of the table indicated by the order completes the order. When the payment information processing system using a mobile terminal, characterized in that configured to further include an order / payment status management unit 12 to receive and display the conversion signal from the payment brokerage server 10 to be automatically displayed as unpaid.
The method of claim 7, wherein

The payment brokerage server 10 is configured to store location information, affiliate store code information, menu information, table information, payment related information, event information of each affiliate store for each affiliate store, and back up corresponding data when payment is completed. Payment information processing system using a mobile terminal.
The method of claim 7, wherein

Sending the payment request signal received from the user terminal 2 via the payment mediation server 10, and transmitting the payment completion signal to the merchant payment terminal 6 via the payment mediation server 10. Credit card company server 20 or payment information processing system using a mobile terminal, characterized in that it further comprises a small payment server (30).
The method of claim 7, wherein

The payment broker server 10 therein,

An affiliated store information registration unit 62 for registering location information, affiliated store code information, menu information, table information, and event information of each affiliated store for each affiliated store;

A user information receiving unit 64 for receiving an affiliate store information request signal from the user terminal 2 and receiving a selection signal for a specific affiliate store;

A merchant information extracting unit 66 for extracting affiliate store information within a predetermined radius based on the user terminal 2;

An affiliated store information transmitter 68 for transmitting the affiliated store information to the user terminal 2;

A menu / table information intermediary unit 70 for receiving a menu and table information on a specific affiliated store selected by the user from the user terminal 2 and transmitting the same to the payment terminal 6 of the affiliated store;

A payment processing unit 72 receiving the payment request signal from the user terminal 2 and transmitting the credit request to the credit card company server 20 or the micropayment server 30 for payment processing;

A mobile device comprising: a control unit 74 between the user terminal 2 and the affiliated payment terminal 6 for selecting a specific affiliated store and performing mediation processing of menu information, order information, and payment information. Payment information processing system using a terminal.
The method of claim 18,

The user information receiving unit (64) further receives location information from the user terminal (2), the payment information processing system using a mobile terminal.
The method of claim 18,

The menu / table information relay unit 70 transfers the menu information and the table information received from the user terminal 2 to the kitchen terminal 8 registered with the affiliated store payment terminal 6 and the affiliated store payment terminal 6. Payment information processing system using a mobile terminal, characterized in that to be transmitted at the same time.
The method of claim 18,

The payment processing unit 72 receives the payment confirmation information from the credit card company server 20 or micropayment server 30 to transmit to the user terminal 2 or merchant payment terminal 6 characterized in that the mobile terminal Payment information processing system using.
a) registering merchant information with the payment brokerage server 10 through the merchant payment terminal 6;

b) the payment intermediation server 10 receiving a merchant information request signal from the user terminal 2;

c) the payment intermediation server 10 extracts the affiliate store information within a certain radius from the user terminal 2 and transmits it to the user terminal 2;

d) receiving, by the payment intermediation server 10, a specific merchant selection signal from the user terminal 2;

e) transmitting the detailed information on the affiliated store by the payment intermediation server 10 to the user terminal 2;

f) receiving, by the payment broker server 10, order information from the user terminal 2;

g) transmitting, by the payment broker server 10, the corresponding order information to the affiliated store payment terminal 6;

h) transmitting the payment request signal from the user terminal 2 to the credit card company server 20 or the micro payment server 30 by the payment intermediation server 10;

i) payment information processing method using a mobile terminal, characterized in that further comprising the step of receiving the payment confirmation signal from the payment broker server 10 to the user terminal (2) and merchant payment terminal (6).
The method of claim 22,

Between the process a) and b),

A process of driving the payment information processing application 4 mounted on the user terminal 2;

The payment information processing application (4) further comprises the step of automatically generating a merchant request signal to the payment brokerage server (10).
The method of claim 22,

The b) process is a payment information processing method using a mobile terminal, characterized in that the payment intermediary server 10 further receives the position coordinates from the user terminal (2).
The method of claim 22,

If the step c) is omitted, the payment intermediation server 10 further comprises the step of receiving a phone number or a unique code for a specific merchant from the user terminal 2, the payment information processing using a mobile terminal Way.
The method of claim 22,

The e) process further includes the process of extracting the menu information, table information, payment related guide information, event information for the merchant affiliated with the payment broker server 10, the mobile terminal. .
The method of claim 22,

In the f) process, the user terminal 2 selects a specific menu from the detailed information of the affiliated store to the payment intermediation server 10, and inputs a table number to transmit the payment using the mobile terminal. Information processing method.
The method of claim 22,

The process g) is characterized in that the payment intermediary server 10 transmits the order information to the registered kitchen terminal 8 together with the merchant payment terminal 6 and the merchant payment terminal 6 at the same time. Payment information processing method using a mobile terminal.
The method of claim 22,

The process g) further includes the step of receiving a conversion signal from the payment intermediation server 10 and displaying it on the merchant payment terminal 6 so that the user of the table marked as order completes the order automatically. Payment information processing method using a mobile terminal characterized in that.
The method of claim 22,

Between the steps g) and h), the kitchen terminal 8 receives and displays a table number, menu information and order order information from the payment brokerage server 10 when the user orders, and selects the deletion of the kitchen staff. When the corresponding table number and menu information is automatically deleted, the order information processing method using a mobile terminal, characterized in that it further comprises the step of updating the order number information.