WO2019013462A1

WO2019013462A1 - Payment agency processing apparatus enabled with automatic input of personal information based on two-dimensional code and method for operating same

Info

Publication number: WO2019013462A1
Application number: PCT/KR2018/006885
Authority: WO
Inventors: 이종면; 우인택; 김재훈
Original assignee: 주식회사 다날
Priority date: 2017-07-14
Filing date: 2018-06-19
Publication date: 2019-01-17
Also published as: KR101918749B1

Abstract

The present invention relates to a payment agency processing apparatus enabled with automatic input of personal information based on a two-dimensional code and a method for operating same, the apparatus supporting a payment process without requiring a user to individually input personal information into a client terminal when paying for a product.

Description

A payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code and its operation method

The present invention relates to a technology for automatically inputting personal information of a user using a two-dimensional code in a payment proxy processing system.

Recently, as the spread of the Internet has become active, there has been an increasing use of systems for purchasing and paying for goods through the Internet.

In the electronic commerce system using the Internet, a user accesses a contents provider server that sells various products using his / her client terminal, purchases a product he / she wants to purchase, The payment method is used.

In order to enable payment by credit card or mobile phone settlement in such an e-commerce system, a content provider who intends to sell a commodity enters into a merchant contract to make payment with various credit card companies or mobile communication companies Content providers who operate small and medium-sized shopping malls are likely to have a large number of credit card companies, mobile operators and representatives on behalf of such content providers, since it is difficult to conclude merchant agreements with a plurality of credit card companies or mobile communication companies. In many cases, a payment gateway system (payment gateway) in which a merchant contract is established and a fee is received from a content provider after performing payment and payment is often used.

Accordingly, a user who wishes to purchase a commodity can access a content providing server, purchase a commodity, and perform settlement of commodities through the settlement subscription system.

In order to perform settlement of payment for goods through the settlement agency system, a user has to enter the personal information of the user on the settlement window page after accessing the server of the settlement agent system through the client terminal.

For example, in order for a user to access a server of a system for charging a small amount of mobile phone and perform a small amount payment process for a mobile phone, a phone number, mobile communication company information, date of birth, etc. of the mobile phone .

In this way, the method of inputting the user's personal information one by one on the payment window page can cause the user to make an error to input his / her personal information in error, and the user has to input his / It can cause a great inconvenience.

Therefore, in the settlement proxy processing in the electronic commerce system, there is a need for a technique that allows the user to conveniently input personal information even if the user does not input his or her personal information one by one.

A payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to the present invention and an operation method thereof, when a payment agent processing request for a first article is received from a first client terminal of a user, Dimensional code in which the information on the first unique merchant selling the payment unique identifier and the first merchant is inserted is generated, and then the second payment information of the second Dimensional code to the first client terminal, and the user recognizes the two-dimensional code through the second client terminal, so that the payment distinguisher and the payment distinguisher inserted in the two- When the personal information of the user stored in advance in the second client terminal together with the information of the first agent is received, And a payment window for payment transaction processing for the first goods after identifying the settlement agency transaction for the first goods based on the payment unique identifier and the information of the first affiliate shop received from the first client terminal, The user can input the personal information of the user automatically so that the user can perform the payment process without inputting his / her personal information one by one for payment transaction processing of the first goods.

A payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to an embodiment of the present invention is a settlement agent processing apparatus in which a payment transaction agent for a first commodity purchased by a user through a first merchant When receiving the processing request, accesses the content providing server of the first merchant, receives information on the merchandise information and the payment amount of the first merchandise from the content providing server, and identifies the payment agent processing of the first merchandise Dimensional payload of the payment specific identifier and the information of the first merchant point is stored in the identifier storage unit, and the payment specific identifier and the information of the first merchant point are inserted into the two- A two-dimensional code generation unit for generating a two-dimensional code, a payment unit for receiving the personal information of the user, Wherein the billing window page includes at least one input field to which the user's personal information is to be input, inserting an image for the two-dimensional code on one side of the billing window page, A settlement window generating unit for transmitting a connection URL (Uniform Resource Locator) address for accessing the settlement window page to the client terminal and controlling the first client terminal to access the settlement window page, The two-dimensional code displayed on the payment window page by the second client terminal owned by the user is recognized by accessing the payment window page based on the connection URL address, and the second client terminal The second unique identifier and the information of the first franchisee, An information receiver for receiving the payment unique identifier, information of the first affiliate shop, and personal information of the user from the second client terminal when the personal information of the user stored in the terminal is transmitted; A settlement identification unit for identifying a settlement substitution process of the first merchandise by comparing the payment unique identifier stored in the identifier storage unit with the information of the first merchant based on the information of the received first merchant, A personal information input unit for inputting the personal information of the received user in the at least one input field included in the payment window page in response to the identification of the payment transaction processing of the first goods, When the payment proxy processing request is received, the personal information of a plurality of users is stored in advance Wherein the first authentication means completes the authentication of the user based on the personal information of the user entered in the at least one input field by connecting to the database and after completing the payment processing according to the payment amount for the first commodity, And a payment processing performing unit for transmitting a payment agency processing completion message for the first product to the providing server.

A method of operating a payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to an embodiment of the present invention is a method in which a first client terminal When receiving a payment request processing request for a merchandise, accessing a content providing server of the first merchant and receiving information on merchandise information and payment amount of the first merchandise from the content providing server, The method of claim 1, further comprising: generating a payment specific identifier for identifying a payment agency process; storing the payment unique identifier and the information of the first merchant on the identifier storage unit; Dimensional code, a payment window for receiving the personal information of the user for the payment agent processing of the first goods, Wherein the billing window page includes at least one input field to which the user's personal information is to be input, inserting an image for the two-dimensional code on one side of the billing window page, Controlling the first client terminal to access the payment window page by transmitting an access URL address for accessing the payment window page to the client terminal, controlling the first client terminal to access the payment window page, Dimensional code displayed on the payment window page by the second client terminal owned by the user is recognized as the user terminal is connected to the window page and the payment distinguisher and the first affiliate shop Which is stored in the second client terminal, Receiving the payment unique identifier, information of the first affiliate shop, and personal information of the user from the second client terminal when the personal information is transmitted, receiving the payment unique identifier and the information of the received first affiliate shop Identifying the settlement substitution process of the first merchandise by comparing the payment unique identifier stored in the identifier storage unit with the information of the first merchant, Inputting the received personal information of the user into the at least one input field included in the payment window page corresponding to the personal information of the plurality of users, Accessing a user database in which information has been stored in advance, The method comprising: completing the authentication of the user based on the personal information of the user, completing the payment processing according to the payment amount for the first commodity, And transmitting a processing completion message.

A payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to the present invention and an operation method thereof, when a payment agent processing request for a first article is received from a first client terminal of a user, Dimensional code in which the information on the first unique merchant selling the payment unique identifier and the first merchant is inserted is generated, and then the second payment information of the second Dimensional code to the first client terminal, and the user recognizes the two-dimensional code through the second client terminal, so that the payment distinguisher and the payment distinguisher inserted in the two- When the personal information of the user stored in advance in the second client terminal together with the information of the first agent is received, And a payment window for payment transaction processing for the first goods after identifying the settlement agency transaction for the first goods based on the payment unique identifier and the information of the first affiliate shop received from the first client terminal, By automatically inputting the user's personal information, the user can perform the payment process without inputting his / her personal information one by one for payment transaction processing of the first goods, so that the convenience of the user can be achieved.

1 is a diagram illustrating a structure of a payment proxy processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to an embodiment of the present invention.

FIG. 2 is a diagram for explaining the operation of a payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to an embodiment of the present invention.

3 is a flowchart illustrating an operation method of a payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that the description is not intended to limit the invention to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals in the drawings are used for similar elements and, unless otherwise defined, all terms used in the specification, including technical and scientific terms, are to be construed in a manner that is familiar to those skilled in the art. It has the same meaning as commonly understood by those who have it.

1, a payment agent processing apparatus 110 capable of automatically inputting personal information based on a two-dimensional code according to the present invention includes a delimiter generation unit 111, a two-dimensional code generation unit 112, An information receiving unit 114, a payment identification unit 115, a personal information input unit 116, and a payment processing performing unit 117. [

First, when a user connects to a content providing server 140 of a first merchant selling various merchandise using the first client terminal 130 and purchases the first merchandise through the shopping mall of the first merchant shop, The payment agent processing process can be selected in the web page of the shopping mall of the first merchant for payment processing of the first goods.

At this time, the first client terminal 130 may connect to the payment agent processing unit 110 and transmit a payment agent processing request for the first goods.

At this time, the delimiter generation unit 111 receives from the user's first client terminal 130 a payment agent processing request for the first goods purchased by the user through the first agent, Receives the information on the merchandise information and the payment amount for the first merchandise from the content providing server (140) by connecting to the providing server (140), generates a payment unique delimiter for identifying the payment substitution process for the first merchandise do.

Here, the payment unique identifier means a unique identifier for distinguishing the payment agent processing for the first product requested by the user from other payment agent processes. According to an embodiment of the present invention, 111) can generate the payment specific delimiter as a data stream having n (n is a natural number) bytes of a combination of characters and numbers in a predetermined pattern.

At this time, according to an embodiment of the present invention, a franchise code having k (k is a natural number) characters is allocated in advance to the first franchise point, and the identifier generating unit 111 is assigned to the first franchise point (P is a natural number greater than or equal to 2) digits from the number of digits of the first payment amount of the first commodity, and the number of p digits constituting from the predetermined reference time point (Q is a natural number) digits of the plurality of settlement request requests received from the plurality of settlement agency requests received from the plurality of settlement agents, Thereby generating the settlement unique delimiter.

For example, it is assumed that three letters "aaa" are assigned to the merchant code, the payment amount of the first merchandise is "32,500 won", the p is "4" A plurality of payment agency requests received by the payment agent processing apparatus 110. When the order in which the payment agent request for the first goods is received is " 134th ", and q is " 4 & If the order in which the payment agent request is received is represented by a 4-digit number, the identifier generation unit 111 sequentially concatenates "aaa", "2500", and "0134" Quot; aaa25000134 " as the settlement specific delimiter for identifying the substitution processing.

When the payment specific identifier is generated, the two-dimensional code generation unit 112 stores the payment unique identifier and the information of the first affiliate shop on an identifier storage unit (not shown) Dimensional code in which information of one merchant is inserted.

Here, the information of the first franchise point means a franchise point code assigned to the first franchise point, and the two-dimensional code means information such as various characters on a two-dimensional image pattern, such as " QR (Quick Response) Means the code that can be inserted.

The billing window generating unit 113 generates a billing window page for receiving the personal information of the user for billing substitution processing of the first commodity, and inserts an image of the two-dimensional code on one side of the billing window page (Uniform Resource Locator) address for accessing the payment window page to the first client terminal 130 to control the first client terminal 130 to access the payment window page.

In this regard, reference numeral 210 in Fig. 2 shows an example of the payment window page. 2, the billing window page includes at least one input field 211 to which the user's personal information is to be input, and the billing window page may include at least one input field 211, An image 212 is inserted.

At this time, when the first client terminal 130 receives the connection URL address for accessing the payment window from the payment agent processing unit 110, the first client terminal 130 accesses the payment window page based on the connection URL address, The payment window page as shown at 210 in FIG. 2 may be displayed.

When the payment window page is displayed on the screen of the first client terminal 130 as shown at reference numeral 210 in FIG. 2, the user uses the second client terminal 150, which he owns, Dimensional code displayed on the screen of the client terminal 130 by scanning the image 212 of the two-dimensional code inserted on the billing window page.

In this regard, the second client terminal 150 may be equipped with a camera for scanning the two-dimensional code image, recognizing the two-dimensional code, extracting the information inserted on the two-dimensional code from the two- An application for extracting the payment specific identifier and the information of the first merchant may be provided.

The personal information of the user for use in the payment substitution processing may be stored in advance in the memory of the second client terminal 150. [

In this way, when the user recognizes the two-dimensional code using the second client terminal 150, the second client terminal 150 extracts, from the two-dimensional code, the payment unique identifier If it is determined that the extracted payment distinguisher is a data string having a size of n bytes in which the letters and numbers are combined in the predetermined pattern, the payment agent processing apparatus 110 The personal identification information of the user stored in the memory along with the payment unique identifier extracted from the two-dimensional code and the information of the first affiliate shop can be transmitted.

That is, the delimiter creation unit 111 is configured to generate the payout unique delimiter with a size of 11 bytes having a pattern in which three characters, four digits, and four digits are sequentially concatenated, as in the above example "aaa25000134" The second client terminal 150 is an 11-byte data string having a pattern in which three characters, four digits, and four digits are consecutively connected in succession to the payment distinguisher extracted from the two-dimensional code If it is confirmed, the personal information of the user stored in the memory can be transmitted to the payment agent processing unit 110 together with the payment unique identifier extracted from the two-dimensional code and the information of the first agent.

At this time, as the first client terminal 130 accesses the payment window page on the basis of the connection URL address, the information receiving unit 114 causes the second client terminal 150, which the user holds, Dimensional code displayed on the second client terminal 150 is recognized and the personal identification information of the user stored in the second client terminal 150 together with the payment unique identifier and the information of the first affiliate shop from the second client terminal 150 The personal identification information of the user and the payment unique identifier, the information of the first affiliate shop, and the personal information of the user are received from the second client terminal 150. [

The settlement identification unit 115 compares the payment unique identifier and the information of the first affiliate store stored on the identifier storage unit on the basis of the received payment unique identifier and information of the received first affiliate shop To identify the payment agent processing of the first product.

That is, the payment agent processing unit 110 may receive a payment agent processing request for various goods as well as a payment agent processing request for the first goods. Through the comparison of the settlement unique identifier stored on the identifier storage unit with the information of the first franchisee on the basis of the payment unique identifier and the information of the first franchisee, The payment agent processing of the first goods among the processing requests can be identified.

Then, the payment processing performing unit 117 inputs the personal information of the received user in the at least one input field included in the payment window page in response to the identification of the payment transaction processing of the first product.

For example, in the case where the settlement proxy process of the first product is a mobile phone small settlement, the personal information of the user is transmitted to the mobile communication company information The telephone number of the mobile phone held by the user, the resident registration number of the user, and the like. At this time, the settlement processing performing unit 117, when the identification of the settlement substitution processing of the first commodity is completed, as shown in the reference numeral 220 of FIG. 2, at least one input field Such as the mobile communication company information the user is subscribed to, the phone number of the mobile phone held by the user, the resident registration number of the user, and the like, on the mobile terminal 211.

After the personal information of the user is input on the at least one input field included in the payment window page, the user uses the first client terminal 130 to transmit the payment When the user presses the " Next " button on the window page to transmit the final settlement agency processing request to the settlement processing unit 110, the settlement processing performing unit 117 acquires the personal information of the plurality of users (Not shown), completes the authentication of the user based on the personal information of the user input in the at least one input field, and completes the payment process according to the payment amount for the first product To the post-content providing server 140, a settlement proxy processing completion message for the first commodity.

As a result, the payment agent processing apparatus 110 capable of automatically inputting personal information based on the two-dimensional code according to the present invention, when receiving a payment agent processing request for the first goods from the first client terminal 130 of the user, Generating a billing unique identifier for identifying the payment agent process of the first product, generating a two-dimensional code in which information on the first unique merchant selling the first payment and the payment unique identifier is inserted, Dimensional code to the first client terminal 130 and the user recognizes the two-dimensional code through the second client terminal 150 and transmits the two-dimensional code from the second client terminal 150 to the second client terminal 150. [ Dimensional code and the personal information of the user previously stored in the second client terminal 150 together with the information of the first specific merchant and the payment unique identifier inserted in the second code, The payment agent processing unit 150 identifies the settlement agency processing for the first commodity on the basis of the settlement unique identifier received from the client terminal 150 and the information of the first merchant, By automatically inputting the user's personal information, the user can perform the payment process without inputting his / her personal information one by one for payment transaction processing of the first goods, so that the convenience of the user can be achieved.

At this time, according to an embodiment of the present invention, when generating the two-dimensional code, the two-dimensional code generation unit 112 generates a two-dimensional code by receiving the payment agent processing request for the first product from the first client terminal 130 Dimensional code in which the information on the first time is further inserted as well as the information on the payment unique identifier and the first affiliation point by checking the first time of the time point.

At this time, when the connection URL address for accessing the payment window page is received, the first client terminal 130 accesses the payment window page based on the connection URL address and displays the payment window page on the screen The second client terminal 150 may scan the image of the two-dimensional code inserted in the billing window page displayed on the screen of the first client terminal 130 through the camera, Dimensional code, extracts information on the payment unique identifier, information on the first affiliate shop, and information on the first time, inserted in the two-dimensional code from the two-dimensional code, If it is confirmed that the number is a data string having a size of n bytes combined with the predetermined pattern, And can transmit the personal information of the user stored in the memory together with the payment specific identifier, the information of the first affiliate shop, and the information of the first time extracted from the code.

The information receiver 114 receives information on the payment unique identifier, information on the first affiliate shop, and information on the first time from the second client terminal 150, The first unique information, the first time information, and the personal information of the user from the second client terminal 150, as shown in FIG.

When the identification of the payment transaction process for the first product is completed through the payment identification unit 115, the personal information input unit 116 receives the payment unique identifier, the information of the first affiliate shop from the second client terminal 150 The second client terminal 150 checks the first time and the second time at which the user's personal information is received and transmits the first time information to the first client terminal 150 based on the first time information received from the second client terminal 150, If the time difference is found to be within the predetermined reference time difference after calculating the time difference between the first time and the second time, And may input the received user's personal information into one input field.

Then, the payment processing performing unit 117 accesses the user database in which the personal information of the plurality of users is stored in advance, and transmits the payment information to the at least one input field And a second payment processing step of completing a personal payment transaction for the user based on the personal information of the user inputted to the content providing server, A payment settlement processing completion message can be transmitted.

That is, the payment agent processing apparatus 110 capable of automatically inputting personal information based on the two-dimensional code according to the present invention does not insert only the payment unique identifier and the information of the first affiliation point on the two-dimensional code, Dimensional code is fed back from the second client terminal 150 by inserting information about the first time at the time when the payment agent processing request for one product is received, The user can automatically input the personal information of the user on the payment window page to set the time limit for the payment transaction processing so that more secure payment processing can be performed.

According to an embodiment of the present invention, the personal information of the user includes a mobile phone number of the mobile phone held by the user, and the payment processing performing unit 117 may include a user identification unit 118, A payment unit 119, and a settlement unit 120. [

The user confirmation unit 118 accesses the user database in which personal information of a plurality of users is stored in advance, and stores the personal information in the at least one input field, And checks whether the personal information of the user is stored in the user database.

When it is determined that the personal information of the user is stored in the user database, the authentication number transmitting unit 119 generates a random authentication number, and then transmits the mobile phone number included in the personal information of the user to the receiving side And transmits the authentication number as a text message.

If the same authentication number as the authentication number is received from the first client terminal 130 within the response time selected from the time when the authentication number is transmitted in the text message, the settlement unit 120 transmits the payment amount The settlement proxy processing completion message for the first commodity is transmitted to the content providing server 140. [

That is, the payment processing performing unit 117 transmits a predetermined random authentication number to the mobile phone of the user when inputting of the user's personal information is completed on the payment window page and the final payment transaction processing request is received When the same authentication number as the authentication number is received from the first client terminal 130 within a predetermined time, the payment agent processing for the first product is completed, thereby adding the occupancy authentication based on the user's mobile phone in the payment agent processing To enhance security.

In step S310, when a payment agent processing request for the first merchandise purchased by the user through the first merchant is received from the first client terminal of the user, the content providing server is connected to the content providing server of the first merchant, And a payment unique identifier for identifying the payment agent processing of the first product is generated from the payment information of the first product.

In step S320, the payment specific identifier and the information of the first merchant are stored on the identifier storage unit, and the two-dimensional code in which the payment unique identifier and the information of the first merchant are inserted is generated.

In step S330, a payment window page for receiving personal information of the user for payment processing of the first goods (the payment window page includes at least one input field for inputting the user's personal information) ), Inserts an image for the two-dimensional code on one side of the payment window page, and transmits an access URL address for accessing the payment window page to the first client terminal, And controls access to the payment window page.

In step S340, as the first client terminal accesses the payment window page based on the connection URL address, the second client terminal displays the two-dimensional And when the personal information of the user stored in the second client terminal is transmitted from the second client terminal together with the information of the payment unique identifier and the first affiliation point to the second client terminal, A unique identifier, information of the first affiliate shop, and personal information of the user.

In step S350, based on the received payment unique identifier and information of the received first affiliation point, the payment unique identifier stored in the identifier storage unit is compared with the information of the first affiliate store, 1 Identify the payment transaction processing of the goods.

In step S360, the personal information of the received user is input to the at least one input field included in the payment window page corresponding to the identification of the payment transaction processing of the first product.

In step S370, when a final settlement proxy processing request is received from the first client terminal, the user terminal accesses a user database in which personal information of a plurality of users is stored in advance, And transmits a settlement proxy processing completion message for the first commodity to the content providing server after completing the payment processing according to the settlement amount for the first commodity .

According to an embodiment of the present invention, in step S310, the payment unique identifier may be generated as a data string having a size of n (n is a natural number) bytes combined with a predetermined number of letters and numbers.

At this time, if the connection URL address for accessing the payment window page is received, the first client terminal can access the payment window page based on the connection URL address and display the payment window page on the screen , The second client terminal stores in advance the personal information of the user for payment settlement processing on the memory of the second client terminal, and inserts the payment window page displayed on the screen of the first client terminal Dimensional code is scanned through a camera to recognize the two-dimensional code, and the information on the payment unique identifier and the first affiliation point inserted on the two-dimensional code is extracted from the two-dimensional code And the extracted payment unique identifier is an n-byte combination of letters and numbers combined in the predetermined pattern Dimensional code, the personal identification information of the user stored in the memory together with the payment unique identifier and the information of the first affiliate shop are transmitted to the payment agent apparatus Lt; / RTI >

At this time, according to an embodiment of the present invention, in step S320, a first time at the time when a payment agent processing request for the first product is received from the first client terminal is checked, Dimensional code into which the information of the one merchant and the information of the first time are inserted.

At this time, the second client terminal scans an image of the two-dimensional code inserted in the billing window page displayed on the screen of the first client terminal through the camera, recognizes the two-dimensional code, Extracting information on the payment unique identifier, information on the first affiliate shop, and information on the first time inserted from the two-dimensional code from the two-dimensional code, Dimensional code, information on the first unique time and information on the first time, extracted from the two-dimensional code, to the payment agent apparatus, The personal information of the user stored in the memory can be transmitted.

At this time, in step S340, personal information of the user stored in the second client terminal, together with information on the payment unique identifier, information on the first affiliate shop, and information on the first time are transmitted from the second client terminal The information of the first specific merchant, the information of the first time, and the personal information of the user from the second client terminal, and in step S360, Wherein the first client terminal checks the second specific time at which the payment unique identifier, the first agent information, the first time information, and the user's personal information are received, Calculates a time difference between the first time and the second time on the basis of the time difference between the first time and the second time, If it finds that, wherein the user may enter personal information of the user corresponding to the received identification of the settlement processing of the first product to the at least one input field included in the payment page window.

In this case, according to an embodiment of the present invention, the information of the first franchise point means a franchise point code having k (k is a natural number) characters allocated in advance to the first franchisee. In this case, in step S310, K letters constituting the merchant code assigned to the first merchant, p numbers constituting p (p is a natural number of 2 or more) digits from the number of digits of one of the payment amounts of the first merchandise, (Q is a number of digits of a natural number) in the order in which the payment agent processing request of the first commodity among the plurality of payment agent requests received from the time point received from the payment agent processing apparatus is received The payment distinguisher can be generated by sequentially connecting the numbers.

According to an embodiment of the present invention, the personal information of the user may include a mobile phone number for the mobile phone held by the user.

At this time, in step S370, when a final settlement proxy processing request is received from the first client terminal, the user accesses the user database in which personal information of a plurality of users is stored in advance, If it is determined that the personal information of the user is stored in the user database, if it is determined that the personal information of the user is stored in the user database, And transmitting the authentication number as a text message to a receiving side of the mobile phone number included in the received text message, When the number is received, And transmitting a settlement processing completion message for the first commodity to the content providing server after completing the payment processing according to the settlement amount for the first commodity.

The operation method of the payment agent processing apparatus capable of automatically inputting personal information based on the two-dimensional code according to the embodiment of the present invention has been described above with reference to FIG. Here, an operation method of a payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to an embodiment of the present invention is an automatic operation of personal information based on the two- It is possible to correspond to the configuration of the operation of the payment agent processing apparatus 110 capable of inputting, so that a detailed description thereof will be omitted.

A method of operating the payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code according to an embodiment of the present invention can be implemented by a computer program stored in a storage medium for execution through a combination with a computer.

The operation method of the payment agent processing apparatus capable of automatically inputting personal information based on the two-dimensional code according to an embodiment of the present invention is implemented in the form of a program command which can be executed through various computer means, Lt; / RTI > The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

Claims

A payment proxy processing apparatus capable of automatically inputting personal information based on a two-dimensional code,

When receiving from the first client terminal of the user a payment agent processing request for the first merchandise purchased by the user through the first merchant store, accesses the content providing server of the first merchant, A delimiter generating unit that receives information on the commodity information and the settlement amount of the first commodity and generates a settlement unique delimiter for identifying the settlement proxy processing of the first commodity;

A two-dimensional code generation unit for storing the payment specific identifier and the information of the first merchant on the identifier storage unit, and generating a two-dimensional code into which the payment unique identifier and the information of the first merchant are inserted;

A payment window page for receiving personal information of the user for payment transaction processing of the first product, the payment window page including at least one input field for inputting personal information of the user, After inserting an image for the two-dimensional code on one side of the payment window page, transmits an access URL (Uniform Resource Locator) address for accessing the payment window page to the first client terminal, A payment window generation unit for controlling access to the payment window page;

Dimensional code displayed on the payment window page by the second client terminal owned by the user is recognized as the first client terminal accesses the payment window page based on the connection URL address, When the personal identification information of the user stored in the second client terminal along with the payment unique identifier and the information of the first agent is transmitted from the second client terminal, An information receiving unit for receiving information of one merchant and personal information of the user;

And comparing the unique identifier of the payment stored on the identifier storage unit with the information of the first merchant based on the received payment unique identifier and the information of the received first merchant, A billing identification unit for identifying the process;

A personal information input unit for inputting the personal information of the received user into the at least one input field included in the payment window page in response to the identification of the payment transaction processing of the first product; And

When a final settlement proxy processing request is received from the first client terminal, accessing a user database in which personal information of a plurality of users is stored in advance, and transmitting, to the user terminal based on the personal information of the user inputted in the at least one input field, And a payment processing performing unit for completing a payment processing based on a payment amount for the first product and transmitting a settlement processing completion message to the content providing server for the first commodity,

Wherein the personal information can be automatically input based on a two-dimensional code including at least one of the two-dimensional code.
The method according to claim 1,

The delimiter generator

The payment specific delimiter is generated as a data stream having a size of n (n is a natural number) bytes combined with a predetermined pattern of letters and numbers,

The first client terminal

When the connection URL address for accessing the payment window page is received, the payment window page is displayed on the screen by accessing the payment window page based on the connection URL address,

The second client terminal

Dimensional code embedded in the payment window page displayed on the screen of the first client terminal is stored in the memory of the second client terminal in advance, Dimensional code, extracts the payment unique identifier and the information of the first affiliate shop inserted on the two-dimensional code from the two-dimensional code, Dimensional code and the first unique identification information of the first merchant point extracted from the two-dimensional code for the payment agent processing apparatus, if it is confirmed that the character string and the number of the character string are the data string having the size of n bytes combined with the predetermined pattern Dimensional code for transmitting the personal information of the user stored in the memory together with the information Settlement processing apparatus capable of automatically enter personal information into a foundation.
3. The method of claim 2,

The two-dimensional code generation unit

A first client terminal for receiving a payment agent processing request for the first commodity from the first client terminal, and for checking the first time at a time when a payment agent processing request for the first commodity is received from the first client terminal, Dimensional code,

The second client terminal

Dimensional code displayed on the screen of the first client terminal through the camera, recognizes the two-dimensional code, and then extracts the two-dimensional code from the two- Extracting the payment unique identifier, information on the first merchant, and information on the first time, and extracting the payment unique identifier based on the size of n bytes of characters and numbers combined in the predetermined pattern Dimensional code is stored in the memory together with the payment unique identifier, information on the first affiliate shop, and information on the first time, extracted from the two-dimensional code for the payment agent processing apparatus The personal information of the user,

The information receiver

When the personal information of the user stored in the second client terminal is transmitted from the second client terminal together with the information on the payment unique identifier, the information of the first affiliate shop, and the first time, The information of the first affiliation shop, the information of the first time, and the personal information of the user,

The personal information input unit

A second client terminal for confirming a second time at which the payment unique identifier, information on the first affiliate shop, information on the first time, and personal information of the user are received, If it is determined that the time difference is within a predetermined reference time difference after calculating the time difference between the first time and the second time based on the information on the first time, Wherein the personal information is automatically input based on a two-dimensional code for inputting the personal information of the received user into the at least one input field included in the payment window page corresponding to the identification of the payment window.
The method of claim 3,

Wherein the information of the first franchise point means a franchise point code which is previously allocated to the first franchisee and is composed of k (k is a natural number)

The delimiter generator

K letters constituting the merchant code assigned to the first merchant, p numbers constituting p (p is a natural number of 2 or more) digits from the number of digits of one of the payment amounts of the first merchandise, (Q is a natural number) digits of the plurality of settlement agency requests received from the time slot from the time when the settlement agent processing request of the first commodity is received, A settlement proxy processing apparatus capable of automatically inputting personal information based on a two-dimensional code for sequentially combining the numbers to generate the settlement unique identifier.
The method according to claim 1,

Wherein the personal information of the user includes a mobile phone number for the mobile phone held by the user,

The settlement processing performing unit

When a final settlement proxy processing request is received from the first client terminal, accessing the user database in which personal information of a plurality of users is stored in advance, and transmitting the personal information of the user, input in the at least one input field, A user confirmation unit for confirming whether or not the data is stored in the storage unit;

If it is determined that the personal information of the user is stored in the user database, the random number is generated, and then the mobile phone number included in the personal information of the user is transmitted to the receiver, An authentication number transmission unit; And

When an authentication number identical to the authentication number is received from the first client terminal within a predetermined response time from the time when the authentication number is transmitted in the text message and the payment processing for the first commodity is completed And then transmits a settlement agency processing completion message for the first commodity to the contents providing server

Wherein the personal information can be automatically input based on a two-dimensional code including at least one of the two-dimensional code.
A method of operating a payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code,

When receiving from the first client terminal of the user a payment agent processing request for the first merchandise purchased by the user through the first merchant store, accesses the content providing server of the first merchant, Receiving information on the commodity information and the settlement amount of the first commodity and generating a settlement unique identifier for identifying the settlement proxy processing of the first commodity;

Generating a two-dimensional code in which the payment unique identifier and the information of the first affiliation store are stored on the identifier storage unit, and then the information of the payment unique identifier and the first affiliate store is inserted;

A payment window page for receiving personal information of the user for payment transaction processing of the first product, the payment window page including at least one input field for inputting personal information of the user, After inserting an image for the two-dimensional code on one side of the payment window page, transmits an access URL (Uniform Resource Locator) address for accessing the payment window page to the first client terminal, Controlling access to the payment window page;

Dimensional code displayed on the payment window page by the second client terminal owned by the user is recognized as the first client terminal accesses the payment window page based on the connection URL address, When the personal identification information of the user stored in the second client terminal along with the payment unique identifier and the information of the first agent is transmitted from the second client terminal, Receiving information of one merchant and personal information of the user;

And comparing the unique identifier of the payment stored on the identifier storage unit with the information of the first merchant based on the received payment unique identifier and the information of the received first merchant, Identifying a process;

Inputting the personal information of the received user into the at least one input field included in the payment window page corresponding to the identification of the payment transaction processing of the first product; And

When a final settlement proxy processing request is received from the first client terminal, accessing a user database in which personal information of a plurality of users is stored in advance, and transmitting, to the user terminal based on the personal information of the user inputted in the at least one input field, And a step of transmitting a settlement processing completion message for the first commodity to the contents providing server after completing the payment processing according to the settlement amount for the first commodity

Wherein the personal information can be automatically input based on the two-dimensional code including the two-dimensional code.
The method according to claim 6,

The step of generating the payment unique identifier

The payment specific delimiter is generated as a data stream having a size of n (n is a natural number) bytes combined with a predetermined pattern of letters and numbers,

The first client terminal

When the connection URL address for accessing the payment window page is received, the payment window page is displayed on the screen by accessing the payment window page based on the connection URL address,

The second client terminal

Dimensional code embedded in the payment window page displayed on the screen of the first client terminal is stored in the memory of the second client terminal in advance, Dimensional code, extracts the payment unique identifier and the information of the first affiliate shop inserted on the two-dimensional code from the two-dimensional code, Dimensional code and the first unique identification information of the first merchant point extracted from the two-dimensional code for the payment agent processing apparatus, if it is confirmed that the character string and the number of the character string are the data string having the size of n bytes combined with the predetermined pattern Dimensional code for transmitting the personal information of the user stored in the memory together with the information As a base operating method of the personal information is settlement processing apparatus capable of automatically input.
8. The method of claim 7,

The step of generating the two-dimensional code

A first client terminal for receiving a payment agent processing request for the first commodity from the first client terminal, and for checking the first time at a time when a payment agent processing request for the first commodity is received from the first client terminal, Dimensional code,

The second client terminal

Dimensional code displayed on the screen of the first client terminal through the camera, recognizes the two-dimensional code, and then extracts the two-dimensional code from the two- Extracting the payment unique identifier, information on the first merchant, and information on the first time, and extracting the payment unique identifier based on the size of n bytes of characters and numbers combined in the predetermined pattern Dimensional code is stored in the memory together with the payment unique identifier, information on the first affiliate shop, and information on the first time, extracted from the two-dimensional code for the payment agent processing apparatus The personal information of the user,

The step of receiving the personal information of the user

When the personal information of the user stored in the second client terminal is transmitted from the second client terminal together with the information on the payment unique identifier, the information of the first affiliate shop, and the first time, The information of the first affiliation shop, the information of the first time, and the personal information of the user,

The step of inputting the personal information of the user

A second client terminal for confirming a second time at which the payment unique identifier, information on the first affiliate shop, information on the first time, and personal information of the user are received, If it is determined that the time difference is within a predetermined reference time difference after calculating the time difference between the first time and the second time based on the information on the first time, An operation method of a payment agent processing apparatus capable of automatically inputting personal information based on a two-dimensional code for inputting personal information of the received user in the at least one input field included in the payment window page corresponding to the identification of the user .
9. The method of claim 8,

Wherein the information of the first franchise point means a franchise point code which is previously allocated to the first franchisee and is composed of k (k is a natural number)

The step of generating the payment unique identifier

K letters constituting the merchant code assigned to the first merchant, p numbers constituting p (p is a natural number of 2 or more) digits from the number of digits of one of the payment amounts of the first merchandise, (Q is a natural number) digits of the plurality of settlement agency requests received from the time slot from the time when the settlement agent processing request of the first commodity is received, A bill acceptance processing apparatus capable of automatically inputting personal information based on a two-dimensional code for successively concatenating numbers to generate the settlement unique identifier.
The method according to claim 6,

Wherein the personal information of the user includes a mobile phone number for the mobile phone held by the user,

The step of transmitting the settlement proxy processing completion message

When a final settlement proxy processing request is received from the first client terminal, accessing the user database in which personal information of a plurality of users is stored in advance, and transmitting the personal information of the user, input in the at least one input field, The method comprising the steps of:

If it is determined that the personal information of the user is stored in the user database, the random number is generated, and then the mobile phone number included in the personal information of the user is transmitted to the receiver, ; And

When an authentication number identical to the authentication number is received from the first client terminal within a predetermined response time from the time when the authentication number is transmitted in the text message and the payment processing for the first commodity is completed A step of transmitting a settlement agency processing completion message for the first commodity to the contents providing server

Wherein the personal information can be automatically input based on the two-dimensional code including the two-dimensional code.
A computer-readable recording medium recording a program for performing the method according to any one of claims 6 to 10.
11. A computer program stored in a storage medium for executing the method of any one of claims 6 to 10 through a combination with a computer.