WO2017048074A1

WO2017048074A1 - Open-type simple payment system and method

Info

Publication number: WO2017048074A1
Application number: PCT/KR2016/010374
Authority: WO
Inventors: 김재열
Original assignee: 김재열
Priority date: 2015-09-17
Filing date: 2016-09-13
Publication date: 2017-03-23
Also published as: KR101791743B1; KR20170033628A

Abstract

The present invention relates to an open-type simple payment system and method and is configured to allow, with respect to an online product purchased through a mobile terminal of a user, a use registration by receiving the PIN number of the franchise store from the franchise store, thereby: automatically processing the use or the admission of an online product simultaneously with automatically performing a payment by using payment information registered in advance by the user when a PIN number of a franchise store is matched; and pushing a processing history in real-time to a franchise store terminal.

Description

Open Easy Payment System and Method

The present invention relates to an open and simple payment system and method for performing postpaid payment when an actual product is used in an affiliated store without a prepaid payment for an online product purchased through a mobile terminal.

Recently, electronic payment methods that replace in-kind currency have been widely used. Electronic payment methods include card payments, real time account transfers, and micropayments using mobile phone bills.

Such electronic payment means are increasingly used as online stores and online purchasing services on the Internet are active. Recently, a simpler and easier payment method is required using a mobile terminal.

In the conventional simple payment method using a mobile terminal, the user registers his / her own payment information and his / her pin number to be used instead of the payment information in advance, and enters the pre-registered pin number when the product is paid. I use it.

However, the simple payment method using a conventional mobile terminal is mostly prepaid payment. This is sometimes called closed payment. In other words, if the user wants to use the online product of the affiliated store in the affiliated store, the user pays the prepaid amount corresponding to the online product at the same time as the purchase of the online product, and then the user purchases at each merchant or by accessing the link address of each affiliated store. There is a disadvantage that a number of processes, such as entering a coupon number and authentication for one online product.

Therefore, online products based on prepaid payment methods are difficult to be applied to service industries such as distribution (mart) and leisure (tourism), such as post-paid admission tickets or travel products, which inevitably limits market expansion.

In addition, in order to purchase an online product that the user wants, it has to be purchased in advance in connection with an external electronic payment agent, so there is a problem of refund and cancellation.

In addition, there is a problem that when using an online product purchased by a user in each affiliate store, the merchant is likely to miss a performance intentionally without inputting a coupon number for the online product.

Related prior art documents include Korean Patent Publication No. 10-1384846 (name of the invention: a simple payment method using a mobile terminal, registration date: April 07, 2014).

The present invention has been made to solve the above problems, when the user is actually used in the merchant without paying for the online products such as tickets, tickets, free coupons, discount coupons purchased through the mobile terminal It is an object of the present invention to provide an open simple payment system and method for performing postpay payment.

In addition, another object of the present invention is to enable the merchant to simply perform a payment without a separate authentication process if the merchant enters the pin number of the merchant in the mobile terminal of the user.

Open simple payment system according to an embodiment of the present invention for achieving the above object, a service providing server for managing the online product information for each affiliated database by database, and assigning a merchant pin (PIN) number to each affiliated store; ; Receives and displays online merchandise information of affiliated stores installed in the user terminal and databased on the service providing server, and displays a screen including information on the online merchandise selected by the user in the displayed online merchandise information from the affiliated store. And a coupon application for receiving an affiliated store's pin number and performing authentication in association with the service providing server, wherein the service providing server processes the completion of use of the online product selected by the user according to the authentication result of the affiliated store's pin number. do.

The coupon application, if the online product presented to the merchant is not paid, if the merchant receives a PIN number from the merchant may automatically perform a postpay payment for the online product selected from the customer.

In this case, the user pre-registers the payment information for the postpaid payment, receives a token key for simple payment, delivers the issued token key to the service providing server, stores the matching ID with the customer ID, and stores the service. If a postpay payment for the online product is requested from the coupon application, the providing server may perform a simple payment based on a token key matching the user ID of the user.

In addition, the coupon application, by passing the merchant PIN number received from the merchant can request for authentication.

In addition, the open simple payment system according to an embodiment of the present invention further includes an affiliated store terminal that receives a member account through membership registration to the service providing server and sets and registers the affiliated store pin number. When authentication of the merchant pin number is requested from the coupon application, authentication is performed based on whether information corresponding to the merchant pin number received from the coupon application and previously stored data is pushed, and the authentication terminal pushes an authentication confirmation message to the affiliated store terminal. Allows you to check the usage history of online products in real time.

In addition, the open simple payment system according to an embodiment of the present invention, receives a pre-registration request for payment information from the coupon application, grants the token application for the payment information to the coupon application, online from the coupon application An electronic payment agent terminal that performs authentication of a token key given to the coupon application when a product payment is requested; It further comprises a card company server for paying the payment amount for the card information authenticated from the electronic payment agent terminal, wherein the service providing server receives the token key given through the electronic payment agent terminal from the coupon application and stored When an online product payment is requested from the coupon application, a token key for the coupon application may be queried and transferred to the electronic payment agent terminal to request a simple payment.

In addition, the coupon application may be performed by requesting a prepaid payment for the selected online product before receiving the merchant PIN number from the merchant, the screen including the information of the online product presented to the merchant is the The same screen is provided regardless of whether it is prepaid or postpaid.

In addition, the coupon application, in addition to receiving the merchant pin number from the merchant, the user additionally receives a personal pin number set in advance, or a selection button for requesting confirmation of the user for the input of the merchant pin number Additional authentication can be performed by receiving.

In addition, the coupon application may immediately modify the product details for the online product selected by the user on the screen presented to the merchant, before receiving the merchant PIN number from the merchant.

The merchant pin number includes at least one of a password, a PIN pattern, and an NFC tag.

On the other hand, the open simple payment method according to an embodiment of the present invention, the user terminal to install a coupon application in the terminal and through the coupon application to receive and display the online product information for each merchant from the service providing server; Selecting, by the user terminal, desired online product information from the online product information displayed through the coupon application; Presenting, by the user terminal, a screen including information on the online product selected by the user to the affiliated store; Receiving, by the user terminal, an affiliated store pin (PIN) number from the affiliated store through the coupon application and performing authentication in association with the service providing server; And processing, by the service providing server, completion of use of the online product selected by the user according to the authentication result of the affiliated store's pin number.

After the user terminal receives the merchant PIN from the merchant, if the online product presented to the merchant is not paid, the user terminal automatically receives the merchant PIN from the merchant by the user. The method may further include performing postpaid payment for the selected online product.

In addition, in the open simple payment method according to an embodiment of the present invention, the user terminal registers the payment information of the user for the postpay payment, receives a token key for simple payment and provides the service token token issued The method may further include transmitting the data to a server to match the customer ID and storing the matched ID. In the performing of the postpaid payment, when the service providing server requests a postpaid payment for the online product from the user terminal, the user of the user Simple payment is performed based on the token key matching the ID.

In addition, when the user terminal performs authentication in connection with the service providing server, the user terminal transmits an affiliate store PIN number received from the affiliate store to the service providing server through the coupon application to request authentication. ; Verifying, by the service providing server, whether the information of the merchant pin number matches the previously stored data and performing authentication; And receiving, by the user terminal, an authentication confirmation message from the service providing server through the coupon application.

In addition, in the open simple payment method according to an embodiment of the present invention, if the service providing server is authenticated to the affiliated store's pin number, pushes an authentication confirmation message to the affiliated store terminal to process the use of the online store by the affiliated store terminal. The method may further include a step of allowing the user to check the details in real time.

In addition, in the open simple payment method according to an embodiment of the present invention, the electronic payment agent terminal receives a pre-registration request for the payment information from the user terminal through the coupon application, the token key for the payment information to the user Giving to the coupon application of the terminal; Transmitting, by the user terminal, a token key to the service providing server through the coupon application; When the service providing server requests a payment for the online product from a coupon application of the user terminal, inquiring a token key granted to the coupon application and transferring the inquired token key to the electronic payment agent terminal; And performing, by the electronic payment agent terminal, authentication of the token key received from the service providing server and requesting a payment from a corresponding card company server.

According to the present invention, the online product purchased through the mobile terminal is not a prepayment method before the actual use of the user, but provides the effect of maximizing the convenience of the user by making a postpaid payment when the actual use in the field of the merchant. .

In addition, the online product purchased through the mobile terminal must receive the merchant's pin number from the merchant to complete the use process and post-payment is done, there is an effect that can prevent accidents to intentionally miss the performance in the merchant. In particular, since the screen for the online product presented to the merchant through the mobile terminal is the same screen regardless of the prepaid customer or postpaid customer, the merchant can intentionally select and register according to the prepaid customer or postpaid customer. .

In addition, since the merchant pin number can be input through the mobile terminal and online electronic payment can be processed, the function of the POS terminal of the merchant can be performed through the user's mobile terminal. Because of this, it is not necessary to provide a terminal for affiliated stores, so it is possible to secure even a small merchant that does not have a payment system such as POS, and if necessary, it is possible to flexibly cope with the POS system. .

In addition, it is possible to secure additional markets such as ticket retailers, marts, distribution, and leisure (tourist industry), which are difficult to access through the prepaid payment method.

1 is a block diagram showing an open simple payment system according to an embodiment of the present invention.

2 is a view showing an additional configuration for easy payment in the open easy payment system according to an embodiment of the present invention.

3 is a flowchart illustrating an open simple payment method according to an embodiment of the present invention.

4 is a flowchart illustrating a method of pre-registering payment information in an open simple payment method according to an embodiment of the present invention.

5 is a detailed flowchart of an open simple payment method according to an embodiment of the present invention.

It is to be noted that the technical terms used herein are merely used to describe particular embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present specification should be interpreted as meanings generally understood by those skilled in the art unless the present invention specifically defines other meanings, and is overly comprehensive. It should not be construed in meaning or in excessively reduced sense.

Also, the singular forms used herein include the plural forms unless the context clearly indicates otherwise. In the present application, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various components, or various steps described in the specification, wherein some of the components or some of the steps It should be construed that it may not be included or may further include additional components or steps.

Hereinafter, exemplary embodiments will be described in detail with reference to the accompanying drawings.

For reference, in the present embodiment, the customer registers in advance if the unique code of the merchant matches by registering the online product purchased through the mobile terminal of the user by receiving the member's unique code (PIN number) from the merchant. At the same time payment is automatically settled as payment information, the use of the online goods or entrance processing is automatically started, and the processing details are pushed to the merchant terminal in real time. In this embodiment, the post-paid payment method is a principle, but is not limited thereto. For the convenience of a customer, payment for an online product may be selectively performed before visiting a member store (prepaid payment method). In this regard, the present embodiment provides an open simple payment method.

Here, the admission process means that the completion of admission to the admission ticket is processed in the case of the online product, the ticket, the use completion is processed in the case of coupons such as discount coupons or free tickets.

1 is a block diagram showing an open easy payment system according to an embodiment of the present invention, Figure 2 is a view showing an additional configuration for easy payment in an open easy payment system according to an embodiment of the present invention.

The open simple payment system according to the embodiment of the present invention basically includes a user terminal 100, a service providing server 200, and an affiliated store terminal 300 as shown in FIG. 1. Here, the electronic payment agency terminal 400 of Figure 2, the card company server 500 may be implemented as a configuration for simple payment.

The user terminal 100 includes a mobile terminal possessed by a customer.

The user terminal 100 is installed with a customer mobile application (or app) 110 to provide an open simple payment service of the present invention.

The mobile application 110 (hereinafter referred to as a coupon application) guides the user to purchase the desired online product by receiving and displaying the online product information of each affiliated store established in the service providing server 200.

Accordingly, the coupon application 110 may purchase an online product such as an admission ticket, a ticket, a free coupon, a discount coupon, etc. according to a user's purchase request, and may perform payment on the purchased online product. In addition, the coupon application 110 may pre-register the user's payment information (credit card information, account information, etc.) for the payment.

In addition, the user terminal 100 may purchase an online product through a designated web site other than the coupon application 110 and receive a text regarding the online product purchase history purchased from the web site through the coupon application 110. In this case, the user terminal 100 may perform payment through the coupon application 110 for the purchased online product.

In addition, the coupon application 110, when an online product is selected according to the user's purchase request, by presenting a screen containing the information on the selected online product to the corresponding merchant to receive the merchant pin number from the merchant, to the received merchant pin number Perform authentication for

The service providing server 200 receives member registration from the user terminal 100 and the affiliated store terminal 300 and assigns an affiliated store pin (PIN) number to an affiliated store that subscribes to the service.

In particular, the service providing server 200 collects the online product information from the affiliated merchants and makes a database, and provides the database itemized online product information to the user terminal 100 through the coupon application 110.

In addition, the service providing server 200 receives and manages the online product purchase history purchased by the user terminal 100 through the coupon application 110, the merchant terminal 300 is used to complete the processing of the online product for each merchant Provides the ability to view the details and payment details.

In addition, the service providing server 200, if the merchant pin number is input from the coupon application 110 to check whether the information matches the pre-stored data and performs authentication for the merchant pin number. The authentication result may be transmitted to the user terminal 100 or the merchant terminal 300 through the coupon application 110.

At this time, the service providing server 200 automatically completes the use of the online product when the pin numbers of the merchants match, and the processing details are pushed to the merchant terminal 300 in real time.

The merchant terminal 300 receives a member account including an ID and a password through the membership of the service providing server 200, and sets and registers a unique merchant pin number. The merchant pin number is a kind of code that can be identified by each merchant, and may include at least one of a password including numbers or English characters, a PIN pattern, and an NFC tag. In the case of the NFC tag, the merchant pin number may be input by tagging the user terminal 100 using the NFC tag or the NFC dongle provided at the affiliate store.

For example, the merchant pin number may be given as a temporary pin number from the service providing server 200 when the merchant registers as a member. In this case, each merchant can reset to its own unique pin number. Or, if the merchant pin number is not given, the service providing server 200 requires the merchant terminal 300 to input the merchant pin number, and the merchant terminal 300 sets the merchant pin number in response to the request. You can register.

Such registration can be set through a mobile application or a designated web site. Particularly, when an affiliated store's mobile application is installed in the affiliated store terminal 300, a real-time authentication confirmation message pushed by the service providing server 200 is received to receive an online product. You can check the usage history immediately. Therefore, the merchant can prepare for real-time confirmation of the authentication confirmation message even when the customer steals or illegally abuses the online product, such as when using the online product after the service period or presenting it as different from the online product that is actually sold. .

On the other hand, the user terminal 100 may be associated with the service providing server 200 to join the membership, and may be given a member account including an ID and password.

In addition, the user terminal 100 may receive and display online product information for each affiliate store through the coupon application 110 and store the online product selected by the user in a shopping cart. The coupon application 110 may transfer the purchase history to the service providing server 200 for the online product stored in the shopping cart, and may provide the classified use / unuse details and payment / unpaid details.

However, when the user visits the merchant and presents the online product selected by the customer or placed in the shopping cart or selected according to the user's purchase request, the screen presented to the merchant does not distinguish the payment status of the online product. Do not. That is, the same screen is presented regardless of whether it is a prepaid online product or an unpaid online product.

The coupon application 110 through the screen receives the merchant's pin number from the merchant, and if the merchant's pin number is matched, the completion of use of the online product is processed. Whether or not the merchant pin number is matched is performed in the service providing server 200, coupon application 110 receives the result of the match from the service providing server 200. That is, when the coupon application 110, the merchant pin number is entered, the merchant pin number received by the service providing server 200 to request authentication, and authentication by receiving an authentication confirmation message from the service providing server 200 Perform.

Here, the input of the merchant pin number to the coupon application 110 is made under the management of the merchant. For example, the merchant or manager of the merchant may be input through the coupon application 110 of the user terminal 100, or the user may directly input according to the instructions of the merchant.

In addition, the coupon application 110 receives the merchant pin number from the merchant at the same time, additionally receives a personal pin number set in advance by the customer, or receives a selection button to request the customer's confirmation of the input of the merchant pin number In this case, additional authentication can be performed in duplicate.

In addition, the coupon application 110, it is possible to immediately modify the product details, such as quantity, expiration date, the number of people for the online goods on the screen presented to the merchant before receiving the merchant PIN number from the merchant.

In addition, the coupon application 110 may automatically perform the payment with the payment information of the user registered in advance when the merchant pin number matches. This method is called a postpaid payment method, and a user may perform simple payment using a token key with respect to payment information of a user registered in advance. Pre-registration of payment information may be performed in connection with the electronic payment agent terminal 400 and the card company server 500 of FIG.

Referring to FIG. 2, the electronic payment agent terminal 400 receives a pre-registration request for information to be paid from a coupon application and grants a token key for the corresponding payment information to the coupon application.

At this time, the coupon application may enter card information or account information to be paid as a customer name, customer ID, mobile phone number, address, payment information. If the payment information is card information, the electronic payment agent terminal 400 registers the payment information in association with the corresponding card company server 500 and performs the payment processing.

The coupon application delivers the token key received from the electronic payment agent terminal 400 to the service providing server 200, and the service providing server 200 matches and stores the token key with the user ID of the user.

When the pre-registration is completed and the user terminal 100 requests the payment for the online product through the coupon application, the service providing server 200 inquires the token key received from the electronic payment agency terminal 400 and inquired The token key is transferred to the electronic settlement agent terminal 400 to request a simple payment.

The electronic payment agent terminal 400 performs authentication according to whether or not the input token key matches the token key given by the coupon application. If the authentication is successful, the electronic payment agent terminal 400 transfers the payment amount to the card company server 500 according to the corresponding card information.

The card company server 500 pays a corresponding payment amount for the card information authenticated from the electronic payment agent terminal 400.

This process is also applicable to prepayment. That is, the user terminal 100 may perform payment on the online product before presenting the screen including the information of the online product selected by the customer or contained in the shopping cart to the affiliate store. Even in this case, the user terminal 100 may perform simple payment in connection with the service providing server 200 and the electronic payment agent terminal 400 as the payment information of the user registered in advance.

The prepaid payment may be provided to the user terminal 100 to be selectively performed. If the prepaid payment is not selected, the prepaid payment is automatically performed when the merchant pin number is input from the merchant.

Based on the above configuration, an open simple payment method according to an embodiment of the present invention will be described in detail.

First, in step S1, the affiliated store terminal 300 receives a member account including an ID and a password through the membership in the service providing server 200.

In step S2 and S3, the affiliated store terminal 300 provides online service information to be sold online to the service providing server 200, and sets a unique affiliated PIN number for identifying each affiliated store. Merchant pin number may be given a temporary pin number from the service providing server 200 when the member registration in the step S1. In this case, the affiliated store terminal 300 may reset to a unique pin number desired by the affiliated store through step S3.

Steps S1 to S3 may be performed by the affiliated store terminal 300 through a mobile application for affiliated stores installed in the terminal, or may be performed through a website by accessing a designated website. In this case, the designated web site includes a web page associated with the service providing server 200.

Through these steps, the service providing server 200 collects online product information for a member affiliated with a service, makes a database, and stores the online product information of each affiliated store collected through the mobile application that provides the service of the present invention. to provide.

In operation S4, the user terminal 100 may install a mobile application for customers (hereinafter, referred to as a coupon application) and perform a member registration process as in operation S5 through the installed coupon application. Through membership registration, the user terminal 100 receives a member ID and a password from the service providing server 200.

In the next step S6, the user terminal 100 receives and displays the online product information for each affiliated store through the coupon application, and receives the online product desired by the user from the displayed online product information. If you have more than one online product, you can store it in your cart.

In the next step S7, the user terminal 100 visits and presents the screen including the information on the online product selected by the user or contained in the shopping cart to the corresponding merchant. The screen at this time is provided with the same screen regardless of whether the online product is in a prepaid or unpaid state, thereby eliminating the problem that the merchant intentionally selects and registers according to the prepaid or postpaid customer. .

In the next step S8, the user terminal 100 receives the merchant pin number from the merchant through the coupon application. Before receiving the input, the merchant checks the online goods presented through the screen of the user terminal 100 and inputs the merchant pin number to the user terminal 100.

In the next step S9, the user terminal 100 passes through the coupon application to the merchant pin number to the service providing server 200 and requests authentication.

In the next step S10, the service providing server 200 compares the merchant pin number received from the user terminal 100 with previously stored data to determine whether the information match.

In the next step S11, if the information is matched, the service providing server 200 transmits an authentication confirmation message to the user terminal 100 through the coupon application, the user terminal 100 through the coupon application as shown in the next step S12 The usage history of the product is treated as completed.

In the next step S13, the service providing server 200 pushes the authentication confirmation message to the affiliated store terminal 300, the merchant can check the usage history of the online product from the authentication confirmation message in real time. This step prevents merchants from stealing or illegally exploiting online goods, such as when customers use their online goods or suggest that they are different from the online goods they sell.

Then, when the user terminal 100 is confirmed that the merchant pin number is matched through the authentication confirmation message received from the service providing server 200 may perform a postpaid payment for the online product through the coupon application. In this case, when the user terminal 100 registers payment information in advance, payment may be automatically performed using the registered payment information.

This process will be described in detail with reference to FIGS. 4 to 5.

In operation S100, the user terminal 100 requests a pre-registration for payment information through a coupon application. In this case, the user terminal 100 may input card information or account information to be paid as a customer name, a customer ID, a terminal number, an address, and payment information.

In step S101, the coupon application of the user terminal 100 with the pre-registration request, transmits the information received during the pre-registration to the electronic payment agent terminal 400.

In step S102, the electronic payment agent terminal 400 gives a token key for the payment information to the user terminal (100). When the payment information is the card information, the electronic payment agent terminal 400 may grant the token key after confirming the card information of the user terminal 100 in association with the corresponding card company server. In addition, when the payment information is account information, the electronic payment agent terminal 400 may grant a token key after checking the account information of the user terminal 100 in association with the financial institution server.

In step S103, the user terminal 100 provides a token key to replace the payment information to the service providing server 200 through the coupon application.

In step S104, the service providing server 200 completes the pre-registration of the payment information by storing the token key matched with the customer ID of the user terminal 100.

Subsequently, as shown in FIG. 5, when the user terminal 100 requests a payment for an online product purchased through a coupon application, a simple payment is performed based on a pre-registered token key.

However, in the simple payment process of FIG. 5, only the order of performing the steps according to the postpaid payment or the prepaid payment is changed, and the series of processes for performing the simple payment will be applied in the same manner. For example, the postpay payment is automatically performed after receiving the merchant pin number, and the prepayment is selectively performed by the customer's selection before the merchant pin number is input.

First, in step S200, the user terminal 100 requests a payment through a coupon application. Payment here includes both postpay and prepay.

In operation S201, the user terminal 100 transmits information about the online product to be paid, the payment amount, and the customer ID to the service providing server 200.

In a next step S202, the service providing server 200 queries the token key matching the customer ID of the user terminal (100).

In the next step S203, the service providing server 200 requests the payment while transferring the inquired token key to the electronic payment agent terminal (400).

In the next step S204, the electronic payment agent terminal 400 confirms that the token key received from the service providing server 200 matches the information given to the user terminal 100 to approve the token key.

In the next step S205, if the approval is made, the electronic payment agent terminal 400 requests the payment while transmitting the payment amount to the card company server 500.

In the next step S206 and S207, the card company server 500 processes the payment for the payment amount and transmits the payment details to the electronic payment agent terminal (400).

Thereafter, in step S208, the electronic payment agent terminal 400 transmits the payment details to the service providing server 200, and the service providing server 200 simply transmits the payment details to the user terminal 100 as in step S209. Complete the payment.

The above description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the technical spirit of the present invention. Therefore, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed by the claims below, and all techniques within the scope equivalent thereto will be construed as being included in the scope of the present invention.

The present invention relates to a payment service using a mobile terminal, and in particular, by providing an open postpaid payment service so that payment can be made in a postpaid manner when used in a merchant without prepayment when purchasing online tickets such as tickets, tickets, and coupons. It will activate the mobile simple payment service industry and secure additional markets such as ticket retailers, marts, retailers, and retailers, which are difficult to apply the existing prepaid payment method.

Claims

A service providing server configured to manage a database of online product information for each affiliated store, and assign an affiliated store pin (PIN) number to each affiliated store; And

Receives and displays online merchandise information of affiliated stores installed in a user terminal and databased on the service providing server, and displays a screen including information on online merchandise selected by the user from the displayed online merchandise information from the affiliated merchant Receiving a merchant pin number and includes a coupon application for performing authentication in connection with the service providing server,

The service providing server is an open simple payment system, characterized in that for completing the use of the online product selected by the user according to the authentication result of the merchant pin number.
The method of claim 1,

The coupon application,

If the online goods presented to the merchant are unpaid,

Open payment system, characterized in that to perform a postpay payment for the online product selected by the user automatically when receiving the merchant pin number from the merchant.
The method of claim 1,

The coupon application,

Open simple payment system, characterized in that for requesting authentication by passing the merchant pin number received from the merchant to the service providing server.
The method of claim 2,

The coupon application,

Register the user's payment information in advance for the postpaid payment, receive a token key for simple payment, and transfer the issued token key to the service providing server to match and store with the customer ID,

The service providing server,

If the post-paid payment for the online product is requested from the coupon application, the open simple payment system, characterized in that for performing a simple payment based on the token key matching the user ID of the user.
The method of claim 1,

Further comprising a merchant terminal that receives a member account through the membership to the service providing server and sets and registers the merchant pin number,

The service providing server,

When authentication of the merchant pin number is requested from the coupon application, authentication is performed based on whether information corresponding to the merchant pin number received from the coupon application and previously stored data is pushed, and the merchant terminal is pushed to confirm the authentication message to the merchant terminal. Open easy payment system, characterized in that for enabling the real-time confirmation of the usage processing history for the online product.
The method of claim 1,

Receive a pre-registration request for payment information from the coupon application, grant a token key for the payment information to the coupon application, and authenticate the token key given to the coupon application when an online product payment is requested from the coupon application. An electronic payment agent terminal;

Further comprising a card company server for paying the payment amount for the card information authenticated from the electronic payment agent terminal,

The service providing server receives and stores the token key provided through the electronic payment agent terminal from the coupon application, and when the online product payment is requested from the coupon application, inquires the token key for the coupon application and acts as the electronic settlement agent. Easy open payment system, characterized in that for requesting easy payment by passing to the terminal.
The method of claim 1,

The coupon application may be performed by requesting a prepaid payment for the selected online product before receiving the merchant PIN number from the merchant,

The open simple payment system, characterized in that the screen including the information of the online product presented to the merchant is provided on the same screen regardless of whether the online product is prepaid or postpaid.
The method of claim 1,

The coupon application,

In addition to receiving the merchant pin number from the merchant, the user additionally receives a personal pin number set in advance, or receives a selection button for requesting confirmation of the user for the input of the merchant pin number to further perform authentication. Open easy payment system, characterized in that performed.
The method of claim 1,

The coupon application,

The open simple payment system, characterized in that the product details can be directly modified for the online product selected by the user on the screen presented to the merchant before receiving the merchant pin number from the merchant.
The method of claim 1,

The merchant pin number is an open simple payment system, characterized in that it comprises at least one of a password, PIN pattern, NFC tag.
Installing, by the user terminal, a coupon application in the terminal, and receiving and displaying online product information for each affiliate store through the coupon application from a service providing server;

Selecting, by the user terminal, desired online product information from the online product information displayed through the coupon application;

Presenting, by the user terminal, a screen including information on the online product selected by the user to the affiliated store;

Receiving, by the user terminal, an affiliated store pin (PIN) number from the affiliated store through the coupon application and performing authentication in association with the service providing server; And

Processing, by the service providing server, completion of use of the online product selected by the user according to an authentication result of the affiliate store PIN number;

Open easy payment method comprising a.
The method of claim 11,

After the user terminal receives a merchant PIN number from the merchant,

If the online product presented to the affiliate is not paid, the user terminal automatically receives post payment payment for the online product selected by the user when receiving the merchant's PIN number from the affiliated store;

Easy open payment method characterized in that it further comprises.