WO2017052063A1

WO2017052063A1 - Payment method and payment system, using mobile terminal

Info

Publication number: WO2017052063A1
Application number: PCT/KR2016/008235
Authority: WO
Inventors: 황인성
Original assignee: 주식회사 비디
Priority date: 2015-09-22
Filing date: 2016-07-27
Publication date: 2017-03-30
Also published as: KR20170035169A

Abstract

The present invention relates to a payment technique using a mobile terminal, and a payment method using a mobile terminal comprises the steps of: receiving, by a mobile terminal, identification information (hereinafter, first identification information) of a payment supporting device operated under a control of an employee from the payment supporting device through local communication; when the first identification information is received from the payment supporting device, receiving, by the mobile terminal, a bill from a payment supporting server using the received first identification information; and making a payment on the basis of the received bill, by the mobile terminal.

Description

Payment method and payment system using mobile terminal

The present invention relates to a payment technology using a mobile terminal, and more particularly, to a payment method and a payment system using a mobile terminal that can easily perform a payment in a mobile terminal in conjunction with a payment support device.

As the proportion of payments made using credit cards or debit cards and the like and the amount of payments increase, problems such as card theft through illegal use or illegal copying of cards are also increasing. In particular, when a card holder entrusts an employee with a card to make a payment, such as at a restaurant or gas station, the card number, expiration date, CVC code, etc. are exposed to the employee, and thus there is a high risk of illegal copying of the card. In addition, when a card duplication apparatus is installed in a point of sale (POS) of a store, card information may be copied without the card owner.

Payment using a mobile terminal can provide convenience in that a mobile terminal that a user carries around always replaces cash or a card. In addition, payment using the mobile terminal can provide high security in that it is difficult to steal even if the mobile terminal is lost or stolen.

Korean Patent Laid-Open Publication No. 10-2013-0083017 relates to a mobile payment method and a mobile payment system using the same, which includes indirectly acquiring mobile payment information by a mobile device and a mobile payment method for the mobile payment information by a mobile payment method. The mobile payment method may be obtained by directly or indirectly acquiring mobile payment information through a request for mobile payment approval and requesting mobile payment approval to a mobile payment means.

* Prior art literature

-Patent Literature

(Patent Document 1) Korean Patent Publication No. 10-2013-0083017 (2013.07.22)

An embodiment of the present invention is to provide a payment method and a payment system using a mobile terminal in which payment information is not directly exposed to a third party by directly making a payment in a mobile terminal of a user.

An embodiment of the present invention is to provide a payment method and a payment system using a mobile terminal that can be easily carried out in the mobile terminal by receiving a bill in conjunction with the payment support device.

In particular, in order to perform a payment in a mobile terminal, a bill must be specified in the mobile terminal. The payment support apparatus provides only information for specifying a bill to be paid by the user, and the user's mobile terminal supports payment through the information. It is an object of the present invention to provide a method and system for receiving a bill from a server.

One embodiment of the present invention is to provide a payment method and a payment system using a mobile terminal that allows the employee to perform the payment immediately at the service providing location without having to round the checkout counter for payment.

Among the embodiments, the payment method using a mobile terminal, the mobile terminal receives the identification information (hereinafter, the first identification information) of the payment support device from the payment support device operated under the control of the employee through local communication, When the first identification information is received from the payment support device, the mobile terminal receives a bill from the payment support server using the received first identification information, and the mobile terminal performs a payment based on the received bill It includes a step.

The local communication may be communication via wireless signal, sound wave or light.

The payment support device may output the high frequency wave carrying the first identification information to the microphone of the mobile terminal to transmit the first identification information.

Receiving the identification information (hereinafter, the first identification information) of the payment support device through local communication may include the first identification information and the one-time password generated by the payment support device or the payment support server from the payment support device. Receiving the OTP.

Receiving identification information (hereinafter, first identification information) of the payment support device through local communication, when the payment request location or the identification number of the payment request device is input from the payment support device, the mobile terminal supports the payment. And receiving, from the device, the first identification information, the payment request location or identification information of the payment request device, and a one time password (OTP).

Receiving the identification information (hereinafter referred to as first identification information) of the payment support device through local communication, when a payment amount for a product or a service is input in the payment support device, the mobile terminal receives the payment support device from the payment support device. Receiving the first identification information, the payment amount and the one-time password (OTP) may be characterized in that it comprises.

Receiving the identification information (hereinafter, the first identification information) of the payment support device via local communication further comprises receiving information on the number of payments from the payment support device received the information on the number of payments. The receiving of the bill from the payment support server by using the received first identification information by the mobile terminal may include: a payment amount corresponding to the first identification information based on the installment number of payments; Can be received from the server.

Receiving the bill from the payment support server using the first identification information received by the mobile terminal, the payment application installed on the mobile terminal transmits the received first identification information and the one-time password to the payment support server to calculate the bill. Requesting, if the one-time password is authenticated by the payment support server, the payment application may include receiving a bill corresponding to the first identification information from the payment support server.

Receiving the bill from the payment support server using the first identification information received by the mobile terminal includes the first identification information received by the payment application installed on the mobile terminal, the payment request location or the identification information of the payment request device and Transmitting a one-time password to a payment support server and requesting a bill; when the one time password is authenticated by the payment support server, the payment application is configured to request the first identification information and the payment request location or payment request from the payment support server. Receiving a bill corresponding to the identification information of the device may include.

Receiving the bill from the payment support server using the first identification information received by the mobile terminal, the payment application installed on the mobile terminal receives the first identification information, the payment amount and one-time password to the payment support server Requesting a bill by transmitting; if the one time password is authenticated by the payment support server, the payment application may include receiving a bill based on the first identification information and the payment amount from the payment support server; have.

The bill may be updated and stored by the payment support server from the sales management apparatus of the store, and transmitted to the mobile terminal by the payment support server in response to the reception of the first identification information.

The performing of the payment by the mobile terminal based on the received bill includes: installing a payment application that is installed in the mobile terminal and receives the bill to drive a payment means application and delivers the bill to the payment means application. Included, payment corresponding to the bill can be performed through the payment means application.

The payment system using a mobile terminal according to an embodiment of the present invention operates a payment support device for transmitting identification information (hereinafter, first identification information) of a corresponding payment support device to a mobile terminal of a user through local communication. And a payment support server for providing a bill to the mobile terminal based on the first identification information received from the mobile terminal, wherein the mobile terminal receives the first identification received when the first identification information is received from the payment support device. Receive a bill from the payment support server using the information, and performs a payment based on the received bill.

The payment support device may be configured to transmit the first identification information by outputting a high sound wave carrying the first identification information to the microphone of the mobile terminal.

The payment support device may transmit the first identification information and the one-time password OTP generated by the payment support device or the payment support server to the mobile terminal.

The payment support device receives the payment request location or the identification number of the payment request device under the control of the employee, and transmits the first identification information, the payment request location or the identification information of the payment request device and the one-time password (OTP) to the mobile device. It can transmit to the terminal.

The payment support apparatus may receive a payment amount for a product or service under the control of an employee, and transmit the first identification information, the payment amount, and a one time password (OTP) to the mobile terminal.

The payment support device is characterized in that for receiving the information on the number of payments under the control of the employee and further transmits to the mobile terminal, the bill is transmitted by the payment support server, corresponding to the first identification information The payment amount may be an installment bill divided based on the installment number.

The payment application installed in the mobile terminal and receiving the bill may drive a payment means application, deliver the bill to the payment means application, and the payment corresponding to the bill may be performed through the payment means application.

In the payment method and payment system using the mobile terminal according to an embodiment of the present invention, the payment method is directly performed by the user's mobile terminal, so that the information about the payment method may not be exposed to the third party.

The payment method and the payment system using the mobile terminal according to an embodiment of the present invention can easily perform the payment in the mobile terminal by receiving a bill in connection with the payment support device.

In addition, in order for direct payment to be performed in the mobile terminal, a bill including a payment amount (such as merchant information) must be specified in the mobile terminal. When the payment support device directly transmits the bill information to the mobile terminal, the payment support device There is a problem in that the amount of data to be transmitted between the mobile terminal and the mobile terminal is relatively large, and the payment support device must have a bill for each user (in some cases, for each table) in advance. When the information (data amount) of the bill to be provided to each of the mobile terminals for each user is different, the communication time of each of the payment support device and the mobile terminals may be different so that different communication performances (e.g. There may be disadvantages that may cause different or multiple times of communication). In addition, when the communication time between the payment support device and the mobile terminal becomes longer, there is a characteristic that the user's convenience is inferior or vulnerable to noise (in the case of communication through sound waves).

Therefore, the payment support device is a simple operation of an employee, the information necessary for the mobile terminal to receive the bill from the payment support server (eg, identification information of the payment support device, payment request location (eg, table information), and / or payment request device). Communication information between the payment support device and the mobile terminal by providing the mobile terminal to the mobile terminal, and allowing the mobile terminal to receive a bill using the information from a payment support server, which is a relatively bandwidth-stable and stable network. While increasing the communication efficiency (called local communication) there is an effect that the mobile terminal can obtain a stable statement.

In the payment method and payment system using a mobile terminal according to an embodiment of the present invention, the employee can conveniently make a payment by simply operating a payment support device, and therefore, the employee needs to round the checkout counter for payment. There is no effect. In addition, from the user's point of view, there is no need to directly drive (execute) a payment application, and when a local communication is performed between a payment support device and a mobile terminal performed by an employee, it is used as a triggering event. It is possible to automatically perform an operation to be performed (for example, driving a payment application, selecting a bill, etc.), thereby having a high convenience in payment.

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

FIG. 2 is a block diagram illustrating a configuration of a payment support apparatus of FIG. 1.

3 is a diagram illustrating an example of a format of data transmitted from a payment support device.

FIG. 4 is a flowchart illustrating an example of a payment method using a mobile terminal performed in a payment system using a mobile terminal in FIG. 1.

FIG. 5 is a diagram illustrating a bill screen provided by the mobile terminal of FIG. 1.

FIG. 6 is a diagram illustrating a payment result screen provided by a mobile terminal of FIG. 1.

7 is a flowchart illustrating a payment method when the payment support server receives and stores a bill in advance.

8 is a flowchart illustrating another example of a payment method using a mobile terminal performed in the payment system using the mobile terminal in FIG. 1.

9 is a flowchart illustrating a payment method when the payment support server receives and stores a bill in advance.

10 is a diagram illustrating a payment system using a mobile terminal according to another embodiment of the present invention.

FIG. 11 is a flowchart illustrating an example of a payment method using a mobile terminal performed in a payment system using a mobile terminal in FIG. 10.

Description of the present invention is only an embodiment for structural or functional description, the scope of the present invention should not be construed as limited by the embodiments described in the text. That is, since the embodiments may be variously modified and may have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, the objects or effects presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereby.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Terms such as "first" and "second" are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms. For example, the first component may be named a second component, and similarly, the second component may also be named a first component.

When a component is referred to as being "connected" to another component, it should be understood that there may be other components in between, although it may be directly connected to the other component. On the other hand, when a component is referred to as being "directly connected" to another component, it should be understood that there is no other component in between. On the other hand, other expressions describing the relationship between the components, such as "between" and "immediately between" or "neighboring to" and "directly neighboring to", should be interpreted as well.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "comprise" or "have" refer to a feature, number, step, operation, component, part, or feature thereof. It is to be understood that the combination is intended to be present and does not exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, operations, components, parts or combinations thereof.

In each step, an identification code (e.g., a, b, c, etc.) is used for convenience of description, and the identification code does not describe the order of the steps, and each step clearly indicates a specific order in context. Unless stated otherwise, they may occur out of the order noted. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

The present invention can be embodied as computer readable code on a computer readable recording medium, and the computer readable recording medium includes all kinds of recording devices in which data can be read by a computer system. . Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like, and are also implemented in the form of a carrier wave (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. Generally, the terms defined in the dictionary used are to be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present application.

Referring to FIG. 1, a payment system 100 using a mobile terminal includes a payment support device 120 and a payment support server 130. The payment system may perform the technical idea of the present invention while communicating with the mobile terminal 110, the sales management device 140, and / or the payment server 150.

The mobile terminal 110 performs payment under the control of the user. The mobile terminal 110 may drive a payment application under the control of a user and wait for information input. According to the exemplary embodiment, when the employee outputs a predetermined signal to the mobile terminal 110 using the payment support device 120, the mobile terminal 110 responds to the reception of the signal to a predetermined application (eg, After the operation of the payment application and / or the operation of the payment application, a process of loading a specific UI or page (eg, loading a bill) may be automatically performed so that a user may easily perform a payment. That is, it is possible to reduce the operation that the user must perform in order to perform the payment as much as possible, so that the payment can be performed using the payment method according to the technical idea of the present invention. To this end, an application for communicating with the payment support device 120 may be installed in the mobile terminal 110 in advance, and the application may be the payment application. In addition, if necessary, the user may perform an operation of unlocking the lock of the mobile terminal 110.

When receiving the identification information (hereinafter, first identification information) of the payment support device from the payment support device operated by the employee's control, the payment application of the mobile terminal 110 supports payment based on the received first identification information. The bill is received from the server 130, and payment is performed based on the received bill. In one embodiment, mobile terminal 110 may correspond to a mobile computing device, such as a smartphone, tablet PC or mobile PC.

The payment support device 120 operates under the control of the employee of the store, and supports payment by transmitting the first identification information to the mobile terminal 110 under the control of the employee.

At least one payment support device 120 may be provided at a store that provides a product or a service, and the payment support device 120 provided at the corresponding store may store unique identification information (first identification information). In one embodiment, each of the at least one payment support device 120 provided in the store may be assigned a unique first identification information, the first identification information corresponding to the identification information given for the store can do. In another embodiment, the at least one payment support device 120 provided in the store may store the same first identification information, and the first identification information may correspond to the identification information of the corresponding store. When the first identification information is received from the payment support device 120, the mobile terminal 110 transmits the received first identification information to the payment support server 130 to request a bill. In one embodiment, the mobile terminal 110 may transmit and receive data with the payment support server 130 over a cellular network or a wireless network (eg, a WIFI network).

The first identification information may be information used by the payment support server 130 to specify a bill of a corresponding user (or a table). According to an implementation example, a bill to be provided to the mobile terminal 110 of a specific user may be specified using only the first identification information. For example, such a case may be a case in which a unique payment support device 120 is allocated in advance for each user or each table.

According to an embodiment, the first identification information and additional information (eg, a payment request location (eg, table information) or payment request device information, which will be described later) may be used for specifying a bill. For example, an affiliate store may be specified based on the first identification information, and a bill of a specific user (or a table) may be specified at the affiliate store based on the additional information. The payment support server 130 may store at least one first identification information corresponding to each affiliate store in advance.

After all, according to the spirit of the present invention, the payment support device 120 does not directly transmit the bill to the mobile terminal 110, but information (for example, the first necessary to receive the bill from the payment support server 130) Only one identification information and / or the additional information) may be transmitted through local communication. And the bill may be received by the mobile terminal 110 from the payment support server 130.

In order for direct payment to be performed in the mobile terminal 110, a bill including a payment amount (such as merchant information) must be specified in the mobile terminal 110, and the payment support device 120 directly transfers the bill information to the mobile terminal. In the case of transmitting to 110, the amount of data to be transmitted between the payment support device 120 and the mobile terminal 110 is relatively large, and the payment support device 120 generates a bill for each user (in some cases, for each table). There is a problem that must have in advance. In addition, when the information (data amount) of the bill to be provided to each of the mobile terminals for each user is different, the communication time between the payment support device 120 and each of the mobile terminals may be different, so that different communication performances for each payment case (eg, , Communication time may vary, or a plurality of times of communication may be caused. In addition, when the communication time between the payment support device 120 and the mobile terminal 110 becomes long, there is a characteristic that the user's convenience is inferior or vulnerable to noise (in the case of communication through sound waves).

Therefore, the payment support device 120 is a simple operation of the employee, the information of the predetermined size required for the mobile terminal to receive the bill from the payment support server (eg, first identification information, payment request location (eg, table information), and / Or identification information of the payment request device, etc.) to the mobile terminal 110, the mobile terminal can receive a bill using the information from the payment support server 130, which is a relatively high bandwidth and stable network By doing so, it is possible to stably obtain the bill while the mobile terminal increases communication efficiency between local communications.

The payment support server 130 transmits a calculation corresponding to the first identification information to the mobile terminal 110 based on the first identification information received from the mobile terminal 110. In one embodiment, the payment support server 130 may identify a store corresponding to the first identification information based on the received first identification information, and request a bill from the sales management apparatus 140 of the identified store. Of course, the payment support server 130 may receive and store the bill of the store in advance from the sales management device 140. The payment support server 130 transmits the bill received from the sales management device 140 to the mobile terminal 110. The mobile terminal 110 receiving the bill from the payment support server 130 drives the payment means application (which may be the same as the payment application) to perform the payment. The payment means application of the mobile terminal 110 requests the payment server 150 to approve payment based on the received bill.

The payment server 150 performs payment according to the payment approval request, and if the payment is successfully approved, transmits the payment approval result information to the mobile terminal 110. For example, when the payment server 150 corresponds to a card payment server (for example, an app card payment server, etc.), the payment approval result information may include a card name, a part of a card number, supply value, tax amount, amount, and installment. It may include at least one or more of the month, approval number, purchase company name, affiliate number, terminal number, serial number and points.

In an embodiment, the payment server 150 may transmit payment approval result information to the payment support server 130 and / or the payment support device 120.

The payment support device 120 may inform the employee of whether the payment is completed based on the received payment approval result information.

In one embodiment, the payment support server 130 may transmit the received payment approval result information to the sales management device 140. The sales management device 140 may update whether the payment for the goods or services provided to the customer is completed based on the received payment approval result information.

In one embodiment, when payment is completed and payment is completed, the payment support server 130 may provide the user of the mobile terminal 110 with an accumulated amount corresponding to a portion of the payment amount. The accumulated amount may correspond to an amount that is dependent on a specific store and can be used only at that specific store, or it may correspond to an amount that can be used independently of the store regardless of the type of store. If there is a reserve amount that can be used in the store, the payment support server 130 may transmit the information on the reserve amount to the mobile terminal 110 together with the statement corresponding to the first identification information. The mobile terminal 110 receives input of the reserve amount to be used for payment and use of the reserve amount under the control of the user, and performs payment through the payment means application.

In another embodiment, the payment support server 130 may provide the user of the mobile terminal 110 with a stamp or coupon corresponding to the number of payments or the number of visits of the corresponding store. The user may check the stamp or the coupon through the mobile terminal 110 and present the stamp or the coupon to an employee of the store to receive an additional service corresponding to the stamp or the coupon.

Point of Sale (POS) 140 is provided in a store and receives payment information including a product or service details and a payment amount for the product or service under the control of the employee. The sales management device 140 may receive payment information including a description and a payment amount in advance before proceeding with the payment process through the mobile terminal 110. For example, when the user orders a product or service, the employee may input payment information including the details and the payment amount into the sales management device 140.

In one embodiment, when receiving a payment request for the payment amount from a plurality of users, the payment support device 120 receives the information on the number of payments under the control of the employee, the mobile terminal 110 of each user The installment number may be transmitted together with the first identification information.

The mobile terminal 110 of each user may transmit the installment number of people together with the first identification information to the payment support server 130. When receiving the installment number along with the first identification information from the mobile terminal of each user, the payment support server 130 divides the amount of payment included in the bill corresponding to the first identification information by the number of installments, and divides the divided amount Including the bill, that is, the payment statement may be transmitted to the mobile terminals of each user.

The mobile terminals of each user run a payment means application to perform a payment under the control of the corresponding user.

FIG. 2 is a block diagram illustrating a configuration of a payment support device of FIG. 1.

Referring to FIG. 2, the payment support apparatus 120 may include an input interface 210, a display 212, a first communication unit 214, a second communication unit 215, and a one time password (OTP) generation unit. 216, a memory 218, a charging unit 220, a battery 222, and a processor 224.

The input interface 210 includes an adapter for receiving an input of an employee (or a user of a payment support device). For example, the input interface 210 may include an adapter of an input means such as a keypad, a mouse, a trackball, a touch pad, a touch screen, a keyboard, or a pointing device. For example, when the input means corresponds to a keypad, the input interface 210 may correspond to a keypad adapter.

In one embodiment, the payment support apparatus 120 may include a keypad as an input means on one surface, and the keypad may include a power of / off key, an identification information transmission key, a numeric key, and a function key. The function key is an identification information input key for converting an input mode into a payment request location or payment request device identification information (for example, identification information in a payment request table, identification information of a payment request dispenser, etc.), and input mode to a payment amount Payment amount input key to switch to input, Payment key to set payment amount to be distributed by multiple users, Correction key to correct entered information, Cancel key to cancel previous input or command, Previous payment It may include at least one of a payment history key, a direction key and an extended function key that can be used to set the function for outputting the history.

The display unit 212 outputs information (for example, current state information of the payment support device, information input through an input means, or command execution result information) to an employee (or a payment support device user). For example, the display unit 212 may display a payment request location or identification information of a payment request device input by an employee (or a payment support device user) or may be input by an employee (or payment support device user). The payment amount can be displayed. In one embodiment, the display unit 212 may correspond to an LCD, an LED, a monitor or a touch screen.

The communication unit 214 may transmit data directly to the mobile terminal 110 through local communication, that is, a wireless signal, sound wave, or light. Through this, the employee may transmit necessary information even without knowing the identification information of the mobile terminal 110. For example, the communication unit 214 may include the first identification information, the one time password OTP, the payment request location or the identification information of the payment request device and the employee (or payment support) input by the employee (or the payment support device user). At least one of the payment amount input by the device user) may be transmitted to the mobile terminal 110.

In one embodiment, the first communication unit 214 may correspond to a high frequency communication module for transmitting data using a high frequency wave of a specific band as a carrier. For example, when an employee (or a user of a payment support device) directs an output of the high frequency communication module toward the microphone of the mobile terminal 110 and then inputs a transmission command through the identification information transmission key, the high frequency communication The module may output the high sound wave carrying the data to be transmitted toward the microphone of the mobile terminal 110 to transmit the corresponding data.

In another embodiment, the first communication unit 214 may correspond to a wireless communication module, such as a near field communication (NFC) module or a Bluetooth module.

In one embodiment, the first communication unit 214 may transmit data in the format of FIG. 3.

Referring to FIG. 3, the data includes a start code 312, an identification code 314, an OTP code 316, a function code 318, a first data 320, a second data 322, and an error detection code. 324.

Start code 312 includes a code indicating the beginning of data. The start code 312 may include a predefined code. For example, the start code 312 may include a code (eg, 103) consisting of three decimal digits.

The identification code 314 includes first identification information of the payment support device 120. For example, the identification code 314 may include a code composed of 14 decimal numbers (for example, 3 country codes and 11 serial numbers). The first identification information may be given to each payment support device 120 and stored in a storage device of the payment support device 120 according to the technical spirit of the present invention, or may be a predetermined device (eg, included in the payment support device 120). Identification information of a network device, a storage device, etc.) may be used.

The OTP code 316 includes an OTP generated by the payment support device 120 or received from the payment support server 130. For example, the OTP code 316 may include a code consisting of six decimal digits.

The function code 318 includes information about a function set in the payment support device 120. For example, the function code 318 may be a code consisting of one decimal digit (for example, 0: enter payment request location or payment request device identification, 1: enter payment amount, 2: installment payment, 4: immediately cancel) , 5: extension A, 6: extension B, etc.).

The first data 320 includes information about a payment request position or payment request device identification information or a payment amount input to the payment support device 120. For example, the first data 320 may include a code consisting of eight decimal digits.

The second data 322 includes information about the number of people (for example, the number of installments and the like) input to the payment support device 120. For example, the second data 322 may include a code consisting of two decimal digits.

The error detection code 324 includes a code for checking an error of the transmitted data in the mobile terminal 110. For example, the error detection code 324 may include a cyclic redundancy check (CRC) code.

Referring back to FIG. 2, the second communication unit 215 may transmit / receive data with the payment support server 130 or the in-store sales management device 140. The second communication unit may include a wireless LAN (WIFI) module or a cellular communication module (eg, 3G module, WCDMA module, LTE module, etc.).

In one embodiment, the payment support device 120 may synchronize the timer of the payment support server 130 and the one time password (OTP) generation unit 216 or receive the OTP through the second communication unit 215. That is, the payment support server 130 may generate the OTP and transmit the generated OTP to the payment support device 120. If necessary, the payment support device 120 may transmit a synchronization request message to the payment support server 130 through the second communication unit 215, and receive a current time value from the payment support server 130 to synchronize the timer. have.

In one embodiment, the payment support device 120 may request the bill directly from the sales management device 140 through the second communication unit 215, and receive the bill directly from the sales management device 140.

In one embodiment, the payment support device 120 may receive payment approval result information from the payment support server 130 through the second communication unit, and may notify the employee (or the payment support device user) whether the payment is completed. For example, the payment support device 120 may display that payment is completed through the display unit 212 or output a sound that payment is completed through a speaker (not shown).

The one time password (OTP) generation unit 216 may generate or receive an OTP for authentication. In one embodiment, the payment support device 120 generates or receives an OTP via the one-time password (OTP) generation unit 216 when receiving an identification information transmission command from an employee (or a user of a payment support device). May transmit to 110.

The memory 218 is used to store data necessary for the operation of the payment support device 120. For example, the memory 218 may store first identification information, application (eg, firmware, etc.) data required for operation. The memory 218 may be implemented as volatile or nonvolatile memory.

The charging unit 220 controls charging of the battery 222 of the payment support device 120, and the battery 222 supplies power required for the operation of the payment support device 120.

The processor 224 includes an input interface 210, a display unit 212, a first communication unit 214, a second communication unit 215, a one-time password (OTP) generator 216, a memory 218, and a charging unit 220. ) To control the operation of the payment support device 120.

4 is an example of a case where an employee performs payment through a payment support device and a mobile terminal in a store where an employee makes a payment at a desk, such as a coffee shop or a pat food store.

Referring to FIG. 4, the mobile terminal drives the payment application under the control of the user and waits for information input (step S410). When the user intends to make a payment using the mobile terminal 110, the user may execute the payment application on the mobile terminal 110 and present the mobile terminal 110 in an information input waiting state to the employee. Of course, the application for implementing the technical idea of the present invention is running in the background in the mobile terminal 110, and when a predetermined signal is received from the payment support device 120, the payment application can be automatically executed as described above. same.

The employee directs the payment support device 120 owned by the employee to the mobile terminal 110, and controls the payment support device 120 to transmit the first identification information and the OTP to the mobile terminal 110. When the payment according to the number of people is requested, the payment support device 120 may receive information about the number of payments under the control of the employee, and transmit the number of payments to the mobile terminal 110 together with the first identification information and the OTP. .

The mobile terminal 110 receives the first identification information and the OTP from the payment support device 120 (step S420), and when the first identification information and the OTP are received, the payment application of the mobile terminal 110 receives the first received information. The identification information and the OTP are transmitted to the payment support server 130 to request a bill (step S430). In one embodiment, the payment application of the mobile terminal 110 may store the address of the payment support server 130 in advance, and request a bill from the payment support server 130 through this. When the bill request is received from the mobile terminal 110, the payment support server 130 authenticates the request based on the received OTP and based on the received first identification information, sends the bill to the sales management apparatus 140 of the store. Request (step S440). The bill may be stored in advance in the payment support server 130. In one embodiment, the payment support server 130 may authenticate the bill request received from the mobile terminal 110 by comparing the received OTP and the OTP generated by the payment support server.

In one embodiment, the payment support server 130 may be provided with a database that associates and stores the identification information of the payment support device, the store equipped with the payment support device, and the address of the sales management device of the store. The payment support server 130 searches for a store corresponding to the received first identification information and the address of the sales management apparatus of the corresponding store, requests a match from the matched sales management apparatus, or first identification information among the received bills. We can extract bill of store corresponding to.

The sales management apparatus 140 of the store may receive and store payment information including a product or service history and a payment amount for the product or service in advance under the control of the employee.

The sales management device 140 transmits the bill generated based on the stored payment information to the payment support server 130, and the payment support server 130 transmits the bill received from the sales management device 140 to the mobile terminal. (Step S450). In one embodiment, the bill may include at least one or more of a store name, business number, address, representative, sales date, product or service details and payment amount for the product or service.

In another embodiment, the payment application of the mobile terminal 110 may request the bill by transmitting the received first identification information and the OTP to the sales management apparatus 140 of the store. The sales management device 140 may authenticate the request based on the OTP generated by the sales management device 140 and the received OTP, and directly transmit the bill to the mobile terminal 110. The mobile terminal 110 displays the bill received from the payment support server 130 on the screen, and performs a payment under the control of the user based on the received bill (step S460).

FIG. 5 is a diagram illustrating a bill screen provided by the mobile terminal of FIG. 1. As shown in FIG. 5, the mobile terminal displays a bill including a store name, a business number, an address, a representative, a sales date, a product or service history, and a payment amount for the product or service, and performs a payment under user control. can do. In one embodiment, the mobile terminal may receive a tip for a product or service under the control of a user. In one embodiment, the mobile terminal may provide a bill screen including a tip ratio selection button for selecting the ratio of the tip to the payment amount. For example, the bill screen may include radio buttons for selecting a ratio of 10%, 15%, 18%, 20%, and the like.

In another embodiment, the mobile terminal may provide a bill screen including a tip amount input button for directly inputting a payment amount. For example, when the tip amount input button is selected, the mobile terminal may provide an input window for inputting the tip amount.

In one embodiment, the mobile terminal 110 may drive the payment means application under the control of the user, and may pay the amount corresponding to the bill through the corresponding payment means application.

For example, the payment application of the mobile terminal 110 may receive a bill from the payment support server 130 and call the payment means application by the user's selection. The payment application then transmits the received bill to the payment means application (eg, API communication between applications, etc.), and the payment means application that receives the bill pays through communication with a predefined payment server using the bill. Can be performed.

As such, when the payment application calls a separate payment means application to allow the user to make a payment through the payment means application, the user uses a payment means (eg, card information, account information, etc.) already registered in the payment means application. There is an effect that can be easily carried out by the payment. That is, the user does not input information on the payment means in the payment application, and there is an effect that the payment can be easily performed using the payment means application used by the user. And of course, the bill must be delivered to the payment means application of course.

In one embodiment, the payment means application may correspond to a card application (eg, an app card), an electronic payment agent application, and the like. The payment means application requests payment approval from the payment server 150, and when the payment is successfully approved, the payment server 150 transmits payment approval result information to the mobile terminal 110.

If the payment is successful, the mobile terminal 110 displays the payment result on the screen. FIG. 6 is a diagram illustrating a payment result screen provided by a mobile terminal of FIG. 1.

In one embodiment, when payment is successfully performed, the payment server 150 transmits payment approval result information to the payment support server 130, and the payment support server 130 approves the payment to the payment support device 120. Send the result information. The payment support device 120 may display that the payment is completed or output a sound based on the payment approval result information to inform the employee (or the user of the payment support device) whether the payment is completed.

In FIG. 4, the payment support server 130 requests a bill from the sales management device 140 based on the received first identification information. For example, the payment support server 130 is the sales management device 140. The bill may be received in advance from and stored, and the bill may be directly transmitted to the mobile terminal 110.

For example, the payment support server 130 may further include a bill database for storing bills of each store, and may receive and store a bill in advance from the sales management apparatus 140 of the shop. The sales management apparatus 140 generates a bill whenever payment information is input or periodically and transmits the bill to the payment support server 130, and the payment support server 130 classifies it for each store and stores it in the bill database. In this case, the payment support server 130 may identify a store corresponding to the received first identification information, search the bill of the identified store in the bill database, and transmit the bill directly to the mobile terminal 110.

Referring to FIG. 7, the mobile terminal 110 drives a payment application and waits for information input (step S710). When the mobile terminal 110 receives the first identification information and the OTP of the payment support device 120 from the payment support device 120 (step S720), the mobile terminal 110 receives the received first identification information and the OTP. The billing request is sent to the payment support server 130 (step S730).

The payment support server 130 authenticates the request based on the received OTP, retrieves a bill corresponding to the first identification information among the stored bills received in advance from the sales management apparatus 140 of the store (step S740), and retrieves the The bill is transmitted to the mobile terminal 110 (step S750).

The mobile terminal 110 performs a payment based on the received bill (step S760).

8 illustrates a case where payment is performed through a payment support device and a mobile terminal when there are a plurality of payment request locations or payment request devices (for example, a plurality of tables in a store, a plurality of gas stations in a gas station, etc.) in a store. Yes. Hereinafter, for convenience of description, a description will be given focusing on a part different from FIG. 4.

Referring to FIG. 8, the mobile terminal drives a payment application under user control and waits for information input (step S810). For example, when a user who receives a product or a service from a specific table wants to make a payment using the mobile terminal 110, the employee uses the input means of the payment support device 120 to make a payment to the payment support device 120. Enter the payment request location or the identification number of the payment request device (step S820). The payment support device 120 transmits the first identification information, the payment request location or the identification information of the payment request device, and the OTP to the mobile terminal 110 under the control of the employee, and the mobile terminal 110 transmits the payment support device 120 to the mobile terminal 110. ), The first identification information, the payment request position or the identification information of the payment request device and the OTP are received (step S830). When the payment is requested according to the number of people, the payment support device 120 receives the information on the number of payments under the control of the employee, and pays together with the first identification information, the payment request location or the identification information of the payment request device, and the OTP. The number of persons may be transmitted to the mobile terminal 110.

When the first identification information, the payment request location or the identification information of the payment request device and the OTP are received, the payment application of the mobile terminal 110 receives the received first identification information, the payment request location or the identification information of the payment request device and the OTP. The bill is sent to the payment support server 130 to request a bill (step S840).

When the bill request is received from the mobile terminal 110, the payment support server 130 authenticates the request based on the received OTP and based on the received first identification information and the payment request location or the identification information of the payment request device. The account is requested to the sales management apparatus 140 of the store (step S850).

In one embodiment, the payment support server 130 retrieves the store corresponding to the received first identification information and the address of the sales management device of the corresponding store, and identifies the payment request location or the payment request device in the matched sales management device. Request information by sending information.

The sales management device 140 generates a bill for the corresponding table based on the payment request location or the identification information of the payment request device and transmits it to the payment support server 130, and the payment support server 130 is the sales management device 140. In step S860, the bill received from the mobile terminal is transmitted to the mobile terminal. In one embodiment, the bill may include at least one or more of a store name, business number, address, representative, sales date, product or service details and payment amount for the product or service.

In another embodiment, the payment application of the mobile terminal 110 may transmit the received first identification information, payment request location or identification information of the payment request device, and the OTP to the sales management device 140 of the store to request a bill. have. The sales management device 140 authenticates the request based on the OTP generated by the sales management device 140 and the received OTP, and directly calculates a bill corresponding to the payment request location or the identification information of the payment request device. ) Can be sent.

The mobile terminal 110 displays the bill received from the payment support server 130 on the screen, and performs a payment under the control of the user based on the received bill (step S870).

In one embodiment, when payment is successfully performed, the payment server 150 transmits payment approval result information to the payment support server 130, and the payment support server 130 approves the payment to the payment support device 120. Send the result information. The payment support device 120 may display that the payment is completed or output a sound to inform the employee (or the user of the payment support device) whether the payment is completed.

In FIG. 8, the payment support server 130 requests a bill from the sales management device 140 based on the received first identification information. However, the payment support server 130 is the sales management device 140. The bill may be received in advance from and stored, and the bill may be directly transmitted to the mobile terminal 110.

For example, the payment support server 130 further includes a bill database that stores bills of each store, and stores in advance a bill corresponding to a billing target location or a billing device from the store's sales management device 140. Can be. The sales management apparatus 140 generates a bill whenever payment information is input or periodically and transmits the bill to the payment support server 130, and the payment support server 130 classifies it for each store and stores it in the bill database. In this case, the payment support server 130 identifies a store corresponding to the received first identification information, and searches a bill corresponding to the payment request location of the store identified in the bill database or the identification information of the payment request device in the billing database, and then the mobile terminal. The bill can be sent directly to 110.

9, the mobile terminal 110 waits for information input (step S910). The employee inputs the payment request position or the identification number of the payment request device to the payment support device 120 using the input means of the payment support device 120 (step S920).

When the mobile terminal 110 receives the first identification information, the identification information of the payment request table, and the OTP of the payment support device 120 from the payment support device 120 (step S930), the mobile terminal 110 receives the received information. The first identification information, the identification information of the payment request table, and the OTP are transmitted to the payment support server 130 to request a bill (step S940).

The payment support server 130 authenticates the request on the basis of the received OTP, and corresponds to a statement corresponding to the first identification information and the identification information of the payment request table among the stored bills received and stored in advance from the sales management apparatus 140 of the store. The calculated bill is searched (step S950), and the searched bill is transmitted to the mobile terminal 110 (step S960).

The mobile terminal 110 performs a payment based on the received bill (step S970).

Referring to FIG. 10, a payment system 1000 using a mobile terminal includes a mobile terminal 1010, a payment support device 1020, a payment support server 1030, a computing device 1040, and a payment server 1050. .

10 illustrates an example in which the payment support server 1030 generates a bill and transmits it to the mobile terminal 1010. Hereinafter, for convenience of description, a description will be given focusing on a part different from FIG. 1.

When the mobile terminal 1010 waits for information input, the payment support device 1020 receives a payment amount under the control of the employee. The employee may receive a payment amount for a product or a service through an input means provided in the payment support device 1020. When the payment is requested according to the number of people, the employee may input a payment amount divided according to the number of people in the payment support device 1020.

The payment support device 1020 transmits the first identification information, the payment amount and the OTP to the mobile terminal 1010 under the control of the employee, and the payment application of the mobile terminal 1010 transmits the first identification information, the payment amount and the OTP. The bill may be transmitted to the payment support server 1030.

After authenticating the request through the OTP, the payment support server 1030 generates a bill based on the first identification information and the payment amount, and transmits the generated bill to the mobile terminal 1010.

For example, the payment support server 1030 may generate a bill including at least one of a store name, a business number, an address, a representative, a sales date, and a payment amount, and transmit the generated bill to the mobile terminal 1010. have.

The mobile terminal 1010 performs a payment under the control of the user based on the received bill.

The operator or employee of the store may access the payment support server 1030 through the computing device 1040 provided in the store. The payment support server 1030 allows the operator or employee to inquire the sales of the store or settle the amount of sales. In one embodiment, computing device 1040 may correspond to a smartphone, tablet PC, mobile PC, desktop PC, laptop PC, and the like.

FIG. 11 is a flowchart illustrating an example of a payment method using a mobile terminal performed in a payment system using a mobile terminal in FIG. 10. Hereinafter, for convenience of description, a description will be given focusing on a part different from FIG. 4.

Referring to FIG. 11, the mobile terminal waits for information input (step S1110). For example, when a user who makes a payment at a desk of a store or receives a product or a service at a specific table of a store wants to make a payment using the mobile terminal 1010, the user may wait for information input. ) Can be presented to the employee.

The employee inputs a payment amount to the payment support device 820 using the input means of the payment support device 1020 (step S1120). The payment support device 1020 transmits the first identification information, the payment amount, and the OTP to the mobile terminal 1010 under the control of the employee, and the mobile terminal 1010 receives the first identification information and payment from the payment support device 1020. The amount of money and the OTP are received (step S1130).

When the first identification information, payment amount and OTP are received, the payment application of the mobile terminal 1010 transmits the received first identification information, payment amount and OTP to the payment support server 1030 and requests a bill (step S1140). ).

When the bill request is received from the mobile terminal 1010, the payment support server 1030 authenticates the request based on the received OTP, and generates a bill based on the received first identification information and the payment amount (step S1150). .

In an embodiment, the payment support server 1030 generates a bill including at least one of a store name, a business number, an address, a representative, a sales date, and a payment amount based on the first identification information and the payment amount. 1010.

The payment support server 1030 transmits the generated bill to the mobile terminal 1010 (step S1160). The mobile terminal 1010 displays the bill received from the payment support server 1030 on the screen, and performs a payment under the control of the user based on the received bill (step S1170).

In one embodiment, when the payment is successfully performed, the payment server 1050 transmits the payment completion information to the payment support server 1030, and the payment support server 1030 sends the payment approval result to the payment support device 1020. Send the information. The payment support device 1020 may notify the employee (or the payment support device user) whether or not the payment is completed by displaying or outputting a sound on the basis of the payment approval result information.

Although described above with reference to the preferred embodiment of the present application, those skilled in the art various modifications and changes to the present application without departing from the spirit and scope of the invention described in the claims below I can understand that you can.

The present invention can be used in a payment method and a payment system using a mobile terminal.

Claims

In the payment method using a mobile terminal,

Receiving, by a mobile terminal, identification information (hereinafter, first identification information) of the payment support device from a payment support device operated by an employee through local communication;

When the first identification information is received from the payment support device, receiving the bill from the payment support server using the received first identification information; And

The mobile terminal comprises the step of performing a payment based on the received bill.
The method of claim 1, wherein the local communication,

Payment method using a mobile terminal, characterized in that the communication via a wireless signal, sound waves or light.
The apparatus of claim 2, wherein the payment support device is

And transmitting the first identification information by outputting a high sound wave carrying the first identification information to a microphone of the mobile terminal.
The method of claim 1, wherein the receiving of the identification information (hereinafter, referred to as first identification information) of the payment support device is performed through local communication.

And receiving the first identification information and the one-time password generated by the payment support device or the payment support server from the payment support device.
The method of claim 1, wherein the receiving of the identification information (hereinafter, referred to as first identification information) of the payment support device is performed through local communication.

When a payment request location or an identification number of a payment request device is input from the payment support device, the mobile terminal receives the first identification information, the payment request location or identification information of the payment request device and a one-time password (OTP) from the payment support device. The payment method using a mobile terminal, characterized in that it comprises the step of receiving.
The method of claim 1, wherein the receiving of the identification information (hereinafter, referred to as first identification information) of the payment support device is performed through local communication.

And receiving the first identification information, the payment amount, and a one-time password (OTP) from the payment support device when the payment amount for a product or service is input in the payment support device. Payment method using a mobile terminal.
The method of claim 1, wherein the receiving of the identification information (hereinafter, referred to as first identification information) of the payment support device is performed through local communication.

And further receiving information on the number of installments from the payment support device that receives the information on the number of installments,

Receiving the bill from the payment support server using the first identification information received by the mobile terminal,

The payment method corresponding to the first identification information payment method using a mobile terminal, characterized in that for receiving a payment installment divided by the payment support server based on the number of installments.
The method of claim 4, wherein the receiving of the bill from the payment support server using the received first identification information comprises:

Requesting a bill by transmitting a first identification information and a one-time password received by the payment application installed in the mobile terminal to the payment support server;

If the one-time password is authenticated by the payment support server, the payment application comprises the step of receiving a bill corresponding to the first identification information from the payment support server.
The method of claim 5, wherein the mobile terminal receives the bill from the payment support server using the received first identification information.

Requesting a bill by the payment application installed in the mobile terminal, transmitting the received first identification information, the payment request location or identification information of the payment request device, and a one-time password to a payment support server;

If the one-time password is authenticated by the payment support server, the payment application receiving a bill corresponding to the first identification information and the payment request location or identification information of the payment request device from the payment support server; Payment method using a mobile terminal, characterized in that.
The method of claim 6, wherein the receiving of the bill from the payment support server using the received first identification information comprises:

Requesting a bill by transmitting, by the payment application installed in the mobile terminal, the received first identification information, the payment amount and the one time password to the payment support server;

If the one-time password is authenticated by the payment support server, the payment application comprises the step of receiving a bill based on the first identification information and the payment amount from the payment support server, characterized in that the payment using a mobile terminal Way.
The method of claim 1, wherein the bill is

The new payment method is stored by the payment management server from the sales management device of the store, and is transmitted to the mobile terminal by the payment support server in response to the reception of the first identification information.
The method of claim 1, wherein the mobile terminal performs the payment based on the received bill.

A payment application installed in the mobile terminal and receiving the bill to drive a payment means application, and forwarding the bill to the payment means application,

The payment method using the mobile terminal, characterized in that the payment corresponding to the bill is performed through the payment means application.
In the payment system using a mobile terminal,

A payment support device operable under the control of an employee to transmit identification information (hereinafter, first identification information) of the corresponding payment support device to a mobile terminal of the user through local communication; And

It includes a payment support server for providing a bill to the mobile terminal based on the first identification information received from the mobile terminal,

The mobile terminal,

And receiving a bill from the payment support server using the received first identification information when receiving first identification information from the payment support device, and performing a payment based on the received bill.
The apparatus of claim 13, wherein the payment support device is

And transmitting the first identification information by outputting a high sound wave carrying the first identification information to a microphone of the mobile terminal.
The apparatus of claim 13, wherein the payment support device is

The payment system using the mobile terminal, characterized in that for transmitting the first identification information and the one-time password (OTP) generated by the payment support device or the payment support server to the mobile terminal.
The apparatus of claim 13, wherein the payment support device is

Receiving a payment request location or an identification number of a payment request device under the control of an employee, and transmitting the first identification information, the payment request location or identification information of the payment request device, and a one-time password (OTP) to the mobile terminal; Payment system using a mobile terminal characterized in that.
The apparatus of claim 13, wherein the payment support device is

Receiving a payment amount for the goods or services under the control of the employee, and transmits the first identification information, the payment amount and the one-time password (OTP) to the mobile terminal.
The apparatus of claim 13, wherein the payment support device is

Under the control of the employee receives the information on the number of installments, characterized in that it is further transmitted to the mobile terminal,

The above statement,

The payment system transmitted by the payment support server, characterized in that the payment amount corresponding to the first identification information divided payment based on the installment number of people payment system using a mobile terminal.
The payment application of claim 13, wherein the payment application installed in the mobile terminal receives the bill, drives a payment means application, and transfers the bill to the payment means application.

The payment system using a mobile terminal, characterized in that the payment corresponding to the bill is performed through the payment means application.