WO2020004873A1

WO2020004873A1 - System and method for payment using tag synced with store information

Info

Publication number: WO2020004873A1
Application number: PCT/KR2019/007503
Authority: WO
Inventors: 류창화
Original assignee: 류창화
Priority date: 2018-06-26
Filing date: 2019-06-21
Publication date: 2020-01-02

Abstract

The present invention relates to a system and method for payment and, more specifically, to a system and method for payment using a tag synced with store information, which can provide a payment type and a user interface (UI) that are desired by the store.

Description

Payment system and method using tag interworking with store information

The present invention relates to a payment system and method, and more particularly, to a payment system and method using a tag linked to the store information that can provide a payment type and a user interface (UI) desired by the store.

Recently, various mobile payment services using a mobile communication terminal have been released. Payment methods for such payment services include credit cards, check cards, debit cards, cash cards, gift cards, and point cards.

Among these mobile payment services, there is a payment service using a tag. The payment service reads a tag provided at an affiliate store to a mobile communication terminal possessed by a customer and performs a payment. In this case, the information transmitted through the tag may be general store information or store identification information for identifying a store, and may include payment amount and product information.

These mobile payment services use a payment service application installed in a mobile communication terminal instead of presenting a real card or cash at a service store.

In this case, payment requests and authorizations may occur several times to payment institutions such as banks and credit card companies. This can waste system resources and increase the cost of payment fees for the store.

Background of the present invention is disclosed in Republic of Korea Patent No. 10-0588618.

The present invention provides a payment system and method for selectively providing a payment service method desired by a store based on a preferred payment service method according to a type of service and a product of a store and interworking with store information.

According to an aspect of the present invention, there is provided a payment system using a tag that works with shop information.

In the payment system using a tag interworking with store information according to an embodiment of the present invention, a payment type management unit for managing a payment type to be provided to a store, a tag generation unit for generating and providing a tag including the store information, and a mobile terminal May include an analysis unit that calculates store information by using tag information transmitted by the user, a progress unit that provides a process and an interface according to the payment type selected by the store, and a store information management unit that stores the store information and the payment type information. have.

According to another aspect of the present invention, there is provided a payment method using a tag interlocking with shop information and a computer-readable recording medium having recorded thereon a computer program for executing the same.

The payment method and the recording medium according to an embodiment of the present invention comprises the steps of receiving the tag information recognized by the mobile communication terminal, providing a process and interface to the mobile communication terminal according to the payment type selected by the store, the mobile communication terminal Requesting user authentication for payment, requesting payment approval processing from a payment service organization, and transmitting a processing result of the payment service organization to a mobile communication terminal.

The present invention may selectively provide a payment service method desired by a store based on a preferred payment service method according to a kind of service and a product handled by the store.

1 to 2 are diagrams for explaining a payment system using a tag interlocking with shop information according to an embodiment of the present invention.

3 to 10 are diagrams for explaining payment methods using a tag interworking with shop information according to an embodiment of the present invention.

11 is a diagram illustrating an order in which a payment type providing server registers a store according to an embodiment of the present invention.

12 to 19 are exemplary screens of a payment method using a tag interworking with store information according to an exemplary embodiment of the present invention.

As the inventive concept allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing the present invention, when it is determined that the detailed description of the related known technology may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Also, the singular forms used in the specification and claims are to be interpreted as generally meaning "one or more", unless stated otherwise.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, and in the following description with reference to the accompanying drawings, the same or corresponding components are given the same reference numerals and redundant description thereof will be omitted. Shall be.

1 is a view for explaining a payment system using a tag interlocking with shop information according to an embodiment of the present invention.

Referring to FIG. 1, a payment system 10 using a tag that interworks with store information includes a mobile communication terminal 20, a tag 30 located in a store, an affiliated store terminal 40, a payment type providing server 50, and a payment. The service organization 60 is connected to the wired and wireless network.

The mobile communication terminal 20 includes various mobile terminals that communicate through wired and wireless Internet. For example, a generic meaning of all wired and wireless consumer electronics / communication devices having a user interface for accessing other components of the payment system 10 using tags that interoperate with store information, such as smartphones, mobile game consoles, tablet PCs, iPads, etc. can do.

The tag 30 located in the store includes store identification information and call information of the payment type providing server 50. The tag 30 may be recognized by the mobile communication terminal 20 such as a barcode or a QR code.

Merchant terminal 40 is a payment terminal installed in each store.

The payment type providing server 50 generates and manages a plurality of payment types. Check the payment type of the store with the store identification information, and provides the service and user interface according to the payment type to the mobile terminal or merchant terminal.

The payment service institution 60 is a payment institution for which payment authorizations such as banks and credit card companies are processed.

The payment system according to the present invention may use a payment method in the case of using a taxi in a case where there is an affiliated terminal in a store, or when there is a vending machine, using a tag that interworks with store information.

2 is a view for explaining a payment device using a tag interlocking with shop information according to an embodiment of the present invention.

Referring to FIG. 2, the payment type providing server 50 using the tag linked with the store information includes the payment type managing unit 100, the tag generating unit 200, the analyzing unit 300, the processing unit 400, and the store information. The management unit 500 is included. The payment type providing server 50 registers store information and provides a payment process and an interface according to the payment type selected by the registered store. The store may select a desired type from among the payment types provided by the payment type server 50, and may request to provide a new payment type service. The payment type providing server 50 provides various types of payment type services desired by the store.

The payment type management unit 100 manages a payment type that the payment type management server 50 provides to a store. The payment type varies in process and user interface according to a payment request terminal selection, a payment amount input terminal selection, a user authentication request order determination during a payment process, and information included in a tag. In general, the store provides a payment method, when the payment amount recipient requests payment from the payment amount payer, the payment is completed through the payment service institution when the payment amount is approved by the payment amount payer. At this time, the payment amount recipient corresponds to the affiliated store (merchant store terminal), and the payment amount payer corresponds to the user (mobile communication terminal). In the conventional method, the payment request terminal is a terminal for requesting payment and corresponds to an affiliated store, and thus is the same as the payment amount recipient. However, the payment type management unit 100 may select from the mobile communication terminal 20 corresponding to the payment amount payer or the affiliated store terminal 40 corresponding to the payment amount recipient as a payment request. In this case, the payment recipient may include a taxi terminal or a vending machine terminal as well as the affiliated store terminal 40. The payment amount input terminal is a terminal that transmits information by determining the amount to be paid. Usually, the merchant calculates and enters the payment amount. The payment type management unit 100 may select from the mobile communication terminal 20 corresponding to the payment amount payer or the affiliated store terminal 40 corresponding to the payment amount recipient as the payment amount input terminal. The payment type management unit 100 provides a payment type having a different order in which the user authentication request is determined as the store information and the payment amount information after checking the payment amount, and the information of the payment amount is received after the user authentication request only with the store information. The payment type manager 100 provides different payment types according to the information included in the tag. The information included in the tag is store identification information and call information of the payment type providing server 50, and may further include payment amount information.

Referring to [Table 1], the payment type manager 50 provides services of various payment types.

유형type	태그 정보Tag information	시작트리거Start trigger	결제금액입력자Payment amount inputter	사용자 인증시 정보Information when authenticating a user	결제 승인 후After payment approval
1One	상점식별 정보결제유형서버 호출정보금액 정보Store Identification Information Payment Type Server Call Information Amount Information	가맹점 단말기에서 금액입력Enter the amount at the merchant terminal	가맹점franchisee	상점정보금액정보Store Information	결제 승인 통보(이동통신 단말기. 가맹점)Payment approval notification (mobile communication terminal, affiliated store)
22	상점식별정보결제유형서버 호출정보Store Identification Information Payment Type Server Call Information	이동통신 단말기에서 태그 인식Tag recognition in mobile terminal	가맹점franchisee	상점정보Store information	결제 승인 통보(이동통신 단말기. 가맹점)Payment approval notification (mobile communication terminal, affiliated store)
33	상점식별 정보결제유형서버 호출정보Store Identification Information Payment Type Server Call Information	가맹점 단말기에서 금액 입력Enter Amount at Merchant Terminal	가맹점franchisee	상점정보금액정보Store Information	결제 승인 통보(이동통신 단말기. 가맹점)Payment approval notification (mobile communication terminal, affiliated store)
44	상점식별 정보결제유형서버 호출정보Store Identification Information Payment Type Server Call Information	이동통신 단말기에서 태그 인식Tag recognition in mobile terminal	가맹점franchisee	상점정보금액정보Store Information	결제 승인 통보(이동통신 단말기. 가맹점)Payment approval notification (mobile communication terminal, affiliated store)
55	상점식별 정보결제유형서버 호출정보Store Identification Information Payment Type Server Call Information	이동통신 단말기에서 태그 인식Tag recognition in mobile terminal	이동통신Mobile communication	상점정보금액정보Store Information	결제 승인 통보(이동통신 단말기. 가맹점)Payment approval notification (mobile communication terminal, affiliated store)
66	상점식별 정보결제유형서버 호출정보Store Identification Information Payment Type Server Call Information	이동통신 단말기에서 태그 인식Tag recognition in mobile terminal	이동통신Mobile communication	상점정보금액정보주문상품Store Information Amount Information	결제승인 및 주문완료 통보(이동통신 단말기. 가맹점)주문접수(가맹점)Payment approval and order completion notification (mobile communication terminal, affiliated store)
77	상점식별 정보결제유형서버 호출정보Store Identification Information Payment Type Server Call Information	이동통신 단말기에서 태그 인식Tag recognition in mobile terminal	자동 판매기vending machine	상품정보Product Information	결제 승인 통보(이동통신 단말기)자동판매기 상품 배출 후 비활성화Payment approval notification (mobile communication terminal) Deactivated after dispensing vending machine product
88	상점식별 정보결제유형서버 호출정보Store Identification Information Payment Type Server Call Information	택시 단말기에서 금액 입력Enter the amount at the taxi terminal	택시taxi	상점정보금액정보Store Information	결제 승인 통보(이동통신단말기, 택시)Payment approval notification (mobile communication terminal, taxi)

The tag generator 200 generates a tag including store identification information and call information of the payment type providing server 50. In this case, the tag is created once. The tag can be provided at the merchant's request, but the same tag as the first generated tag is provided. In addition, the tag generation unit 200 may generate a tag further including payment amount information. Tags that further contain payment amount information should be generated and provided with a new tag each time a payment request occurs. The tag may be recognized by the mobile communication terminal 20 such as a barcode or a QR code.

The analysis unit 300 searches for store information stored in the store information management unit 500 by store identification information received from the mobile communication terminal 20 or the affiliated store terminal 40. Store information includes store information required for a payment request, such as store identification information, store name, payment type and business number, and merchant number. The analyzer 300 receives payment amount information from the mobile communication terminal 20 or the affiliated store terminal 40. The analyzer 300 provides the mobile communication terminal 20 with information for requesting user authentication. The analyzer 300 receives user authentication information authenticated by the mobile communication terminal 20. The analyzer 300 combines store information, amount information, and user authentication information necessary for the payment approval request to the payment service institution 60.

The process unit 400 provides the merchant terminal 40 and the mobile communication terminal 20 with a service and a user interface corresponding to the payment type selected by the store when a payment transaction occurs. The process unit 400 performs the payment process according to the payment type generated by the payment type management unit 100. The process unit 400 provides a payment process and a user interface by using the store information, the amount information, and the user authentication information extracted by the analyzer 300.

The store information manager 500 stores and manages store information searchable as store identification information. The store information manager 500 includes store identification information, a store name, a payment type, and store payment information required for a payment request. The payment type is one of payment types registered in the payment type manager 100. You must select a payment type when you register your store, and then change to another payment type if you want. The process and interface provided by the payment type management server 50 to the merchant terminal or the mobile communication terminal are different according to the payment type selected by the store.

3 to 10 are diagrams for describing payment methods using a tag interworking with store information according to an embodiment of the present invention.

When the payment amount is input at the affiliated store terminal 40 according to an embodiment of the present invention, when the payment amount is input at the mobile communication terminal 20, or when a product is selected and paid at the mobile communication terminal 20. This is a flowchart for various payment services.

Referring to FIG. 3, a payment system 10 using a tag interworking with store information inputs a payment amount at a merchant terminal 40 and receives a payment approval request through a user approval of the mobile communication terminal 20. Provides type and user interface.

The payment system 10 using the tag in step S310 receives the payment amount information and the shop identification information input to the merchant terminal 40 of the store.

In operation S320, the payment system 10 using the tag generates the payment tag 30 including the shop identification information, the payment amount, and the user authentication request command.

In operation S330, the payment system 10 using the tag transmits and displays the payment tag 30 to the affiliated store terminal 40.

In operation S340, the payment system 10 using the tag receives the store identification information, the price information, and the user authentication information from the mobile communication terminal 20. The mobile communication terminal 20 recognizes a tag displayed on the affiliated store terminal 40 and extracts store identification information and price information. The mobile communication terminal 20 performs user authentication according to a user authentication request command included in a tag. User authentication may be performed using authentication means such as PIN input, fingerprint scan, electronic certificate, password input, and the like.

In operation S350, the payment system 10 using the tag requests payment approval from a payment service institution using store information, amount information, and user authentication information.

In operation S360, the payment system 10 using the tag receives the processed payment result from the payment service institution 60.

In operation S370, the payment system 10 using the tag transmits the result to the affiliated store terminal 40 and the mobile communication terminal 20.

Referring to FIG. 4, the payment system 10 using a tag interworking with store information first recognizes a tag provided by a store in the mobile communication terminal 20, activates the affiliated store terminal 40, and then proceeds with payment. 2 Provide payment type and corresponding user interface.

The payment system 10 using the tag in step S410 generates a tag associated with the store information and displays it on the affiliated store terminal 40.

In operation S420, the payment system 10 using the tag receives store identification information extracted from the tag scanned by the mobile communication terminal 20.

In operation S430, the payment system 10 using the tag searches for payment type of the corresponding store and store information necessary for payment using the received store identification information.

The payment system 10 using the tag in step S440 requests the payment amount pressure to the merchant terminal 40.

In step S450, the payment system 10 using the tag requests payment user authentication to the mobile communication terminal 20 when the payment amount is determined and input. User authentication may be performed using authentication means such as PIN input, fingerprint scan, electronic certificate, password input, and the like.

In operation S460, the payment system 10 using the tag receives user authentication information of the mobile communication terminal 20 and calculates store information, user authentication information, and amount information necessary for payment. The payment system 10 using the tag requests payment to the payment service institution 60 with information necessary for payment.

In operation S470, the payment system 10 using the tag transmits the processing result of the payment service institution 60 to the affiliated store terminal 40 and the mobile communication terminal 20.

Referring to FIG. 5, the payment system 10 using a tag provides a third type of payment that is widely used.

In operation S510, the payment system 10 using the tag generates a payment tag including the store information and provides the same in a store.

In operation S520, the payment system 10 using the tag requests the merchant terminal 40 to input a payment amount.

In operation S530, the payment system 10 using the tag receives the store identification information and the input payment amount to the affiliated store terminal 40.

In operation S540, the payment system 10 using the tag receives tag information recognized by the mobile communication terminal 20. When the mobile communication terminal 20 transmits the tag information before receiving the payment amount information (step S530), the payment system 10 using the tag enters or confirms the payment amount in the mobile communication terminal 10 (step S530). Request to scan the tag again.

In operation S550, the payment system 10 using the tag requests the mobile communication terminal 20 to authenticate the user, including store information and price information. User authentication may be performed using authentication means such as PIN input, fingerprint scan, electronic certificate, password input, and the like.

The payment system 10 using the tag in step S560 receives the authentication information of the mobile communication terminal 20 and requests the payment service institution 60 for payment of store information, user authentication information, and amount information necessary for payment.

In operation S570, the payment system 10 using the tag transmits payment processing information received from the payment service institution 60 to the affiliated store terminal 40 and the mobile communication terminal 20.

Referring to FIG. 6, the payment system 10 using a tag provides a fourth payment type in which the mobile communication terminal 20 first recognizes a tag to activate the affiliated store terminal 40 to receive a payment amount.

In operation S610, the payment system 10 using the tag generates a payment tag including the store information and provides the same to be provided in the store.

In operation S620, when the payment system 10 using the tag receives information including the shop identification information and the user information from the mobile communication terminal 20 that recognizes the tag, the payment system 10 transmits a standby screen to the mobile communication terminal 20.

In operation S630, the payment system 10 using the tag activates the amount input screen of the affiliated store terminal 40.

In operation S640, the payment system 10 using the tag receives the payment amount input to the affiliated store terminal 40.

In operation S650, the payment system 10 using the tag requests the mobile communication terminal 20 to authenticate the user, including the shop information and the price information. User authentication may be performed using authentication means such as PIN input, fingerprint scan, electronic certificate, password input, and the like.

The payment system 10 using the tag in step S660 receives the authentication information of the mobile communication terminal 20 and requests the payment service institution 60 for payment of store information, user authentication information, and amount information necessary for payment.

In operation S670, the payment system 10 using the tag transmits payment processing information received from the payment service institution 60 to the affiliated store terminal 40 and the mobile communication terminal 20.

Referring to FIG. 7, the payment system 10 using a tag provides a fifth payment type in which a payment is input after a payment amount is directly input by the mobile communication terminal 20. In the fifth payment type, even if the merchant terminal 40 is not present in the store, the mobile terminal 20 may perform payment only with a tag.

In operation S710, the payment system 10 using the tag generates a tag in which the store information is linked to the store and provides the store for use by the customer. Step S710 does not need to be performed every time when making a payment, and may proceed when a tag is first generated or information is changed.

In operation S720, the payment system 10 using the tag receives the store identification information extracted by the mobile communication terminal 20 by recognizing the tag.

In operation S730, the payment system 10 using the tag searches for payment type of the corresponding store and store information necessary for payment using the received store identification information.

In operation S740, the payment system 10 using the tag requests the mobile communication terminal 20 to input a payment amount and user authentication. User authentication may be performed using authentication means such as PIN input, fingerprint scan, electronic certificate, password input, and the like.

In step S750, the payment system 10 using the tag receives the user authentication information and the amount information of the mobile communication terminal 20, and stores the payment information, user authentication information and amount information necessary for payment to the payment service institution 60 Ask.

In step S760, the payment system 10 using the tag transmits the processing result of the payment service organization 60 to the mobile communication terminal 20 and the shop. If the merchant terminal 40 does not exist, the payment system 10 using the tag may transmit a processing result to a manager of a store or a device that manages payment information of a store.

Referring to FIG. 8, the payment system 10 using a tag provides a sixth payment type for selecting a menu and requesting a payment in the mobile communication terminal 20.

In operation S810, the payment system 10 using the tag generates a tag in which store information is linked to the store, and provides the store to be used by the customer.

In operation S820, the payment system 10 using the tag receives store identification information extracted from the tag scanned by the mobile communication terminal 20.

In operation S830, the payment system 10 using the tag searches for payment type of the corresponding store and store information necessary for payment using the received store identification information. The sixth payment type further includes and manages information of goods sold in the store.

In operation S840, the payment system 10 using the tag transmits a product list and information sold in a store to the mobile communication terminal 20 and requests user authentication. For example, the payment system 10 using a tag may display a picture, description, and price information about a menu. The payment system 10 using a tag provides a user interface for directly selecting a menu by viewing a list of goods and information exposed on the mobile communication terminal 20.

In step S850, the payment system 10 using the tag calculates the total amount of the product selected by the mobile communication terminal 20 to calculate the payment amount and receives the selected product and the amount information together with the user authentication information.

In step S860, the payment system 10 using the tag receives the user authentication information, the product and the amount of the mobile communication terminal 20, and the payment service institution 60 by using the store information, the user authentication information and the amount information necessary for payment. Request a payment at

In step S870, the payment system 10 using the tag transmits the processing result of the payment service organization 60 to the store payment management device and receives the order of the selected product in the store order system. If the merchant terminal 40 does not exist, the payment system 10 using the tag transmits the processing result to the store's administrator or the store's payment information management device that manages the store's payment information, and the selected product is placed in the order receiving system or the order manager. Send to.

In operation S880, the payment system 10 using the tag transmits the processing result of the payment service institution 60 to the mobile communication terminal 20.

Referring to FIG. 9, the payment system 10 using a tag provides a seventh payment type for selecting and paying a product in a vending machine in which the affiliated terminal 40 is not available. In other words, the seventh payment type uses a vending machine as a terminal instead of the affiliated store terminal 40.

In operation S910, the payment system 10 using the tag may generate a tag linked with store information and display the tag on the vending machine.

In operation S920, the payment system 10 using the tag receives the vending machine identification information extracted from the tag displayed on the vending machine scanned by the mobile communication terminal 20.

In step S930, the payment system 10 using the tag searches for the payment type of the corresponding store and the vending machine information necessary for the payment using the received vending machine identification information. The seventh payment type further includes and manages information of goods sold in the vending machine.

In operation S940, the payment system 10 using the tag transmits the vending machine information to the mobile communication terminal 20 and requests user authentication. User authentication may be performed using authentication means such as PIN input, fingerprint scan, electronic certificate, password input, and the like.

In operation S950, the payment system 10 using the tag receives user authentication information of the mobile communication terminal 20.

In step S960, the payment system 10 using the tag activates the vending machine to select a product.

In step S970, the payment system 10 using the tag receives the product and the price information selected by the vending machine. In this case, the vending machine can select a plurality of products and calculate the total amount.

In operation S980, the payment system 10 using the tag requests payment by transmitting payment information to the payment service institution 60. The payment information includes store information, amount information, and user authentication information required for payment.

In step S990, the payment system 10 using the tag transmits the processing result of the payment service organization 60 to the vending machine so that the product is discharged when approved. The processing result is also transmitted to the mobile communication terminal 20.

Referring to FIG. 10, the payment system 10 using a tag provides an eighth payment type that can be paid according to a corresponding amount even for personal transportation such as a taxi.

In operation S1010, the payment system 10 using the tag generates a payment tag including taxi information and provides the same to be provided in the taxi.

In operation S1020, the payment system 10 using the tag receives a payment amount and taxi information calculated after arrival at the taxi terminal.

In operation S1030, the payment system 10 using the tag receives tag information recognized by the mobile communication terminal. When the mobile communication terminal 20 transmits the tag information before receiving the payment amount information (step S1020), the payment system 10 using the tag enters or confirms the payment amount in the mobile communication terminal 10 (step S1020). Request to scan the tag again.

In operation S1040, the payment system 10 using the tag requests a payment authentication request to the user including taxi information and amount information.

In operation S1050, the payment system 10 using the tag requests payment by transmitting payment information to the payment service institution 60. The payment information includes taxi information, amount information, and user authentication information required for payment.

In operation S1060, the payment system 10 using the tag transmits payment processing information received from the payment service institution 60 to the taxi and the mobile communication terminal 20.

FIG. 11 is a diagram illustrating an order in which a payment type providing server 50 registers a store according to an exemplary embodiment. Referring to FIG.

Referring to FIG. 11, the payment type providing server 50 generates store identification information when registering store information and selects a desired payment type.

In operation S1110, the payment type providing server 50 inputs store information necessary for requesting payment approval from the payment service institution 60.

In operation S1120, the payment type providing server 50 generates store identification information.

In operation S1130, the payment type providing server 50 selects a payment type desired by the store from among payment types registered in the payment type management unit 100.

In step S1140, if the payment type providing server 50 does not have the payment type that the store wants to check whether or not to register a new payment type. For example, the payment type providing server 50 may review the new payment type and logically generate and provide it.

In operation S1150, the payment type providing server 50 stores the store information, the store identification information, and the payment type necessary for the payment approval in the store information management unit 500.

In operation S1160, the payment type providing server 50 checks whether the selected payment type is the first type or not.

In step S1165, the payment type providing server 50 notifies the store that store registration is completed. In the case of the first payment type, the payment type providing server 50 generates a tag including store identification information, call information of the payment type providing server 50, and payment request amount information each time a payment request occurs.

In operation S1170, the payment type providing server 50 requests the tag generation unit 200 to generate a tag using store identification information and call information of the payment type providing server 50.

In operation S1180, the payment type providing server 50 provides the generated tag information to the store. It also notifies the store that the store registration is complete.

Referring to FIG. 12, when the payment system 10 using the tag as an example screen of the first transaction type inputs a payment amount in the affiliated store terminal 40 and makes a payment request, the tag including the store identification information and the payment amount information is displayed. Is generated. The generated tag 30 is provided to be recognized by the mobile communication terminal 20. The mobile communication terminal 30 calculates information on the tag recognized and requests a user authentication to the mobile communication terminal 20. When the authentication is completed, the payment approval request proceeds.

Referring to FIG. 13, in the payment system 10 using a tag as an example screen of a second transaction type, the payment process is started by the mobile communication terminal 20 recognizing a tag provided by a store or an affiliated store terminal. The payment system 10 using the tag first authenticates the user without checking the amount and then activates the merchant terminal.

Referring to FIG. 14, the payment system 10 using the tag as an example screen of the third payment type transmits the payment amount from the affiliated store terminal 40 and causes the mobile communication terminal 20 to recognize the tag to perform the payment process. To start.

Referring to FIG. 15, in the payment system 10 using the tag as an example screen of the fourth payment type, the payment process is started by the mobile communication terminal 20 recognizing the tag and activating the corresponding affiliated store terminal 20.

Referring to FIG. 16, the payment system 10 using the tag as an example screen of the fifth payment type inputs a payment amount in the mobile communication terminal 20 and proceeds with payment. In this case, the fifth payment type can be settled even without the affiliated store terminal 40.

Referring to FIG. 17, the payment system 10 using a tag as an example screen of a sixth payment type selects and pays a product (or a menu) in the mobile communication terminal 20. In the payment system 10 using the tag, the order is accepted as soon as payment is completed.

Referring to FIG. 18, a payment system 10 using a tag as an example screen of a seventh payment type is performed in a vending machine. The mobile communication terminal 20 recognizes a tag provided to the vending machine and proceeds with user authentication. Then, the payment system 10 using the tag activates the vending machine by receiving the user authentication information, and requests the payment approval upon receiving the selected product and the calculated amount.

Referring to FIG. 19, the payment system 10 using a tag as an example screen of the eighth payment type is a payment type that can be used in a taxi.

The payment method using a tag interworking with store information according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. Computer-readable media may include, alone or in combination with the program instructions, data files, data structures, and the like. The program instructions recorded on the computer readable medium may be those specially designed and constructed for the present invention, or may be known and available to those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Hardware devices specially configured to store and execute optical instructions and program instructions such as ROM, RAM, flash memory and the like. In addition, the above-described medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

So far, the present invention has been described with reference to the embodiments. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Embodiments for carrying out the invention have been described together in the best mode for carrying out the above invention.

The present invention relates to a payment system and method, which can be used in various shops, and is industrially applicable due to the possibility of repeatability.

Claims

In the payment system using a tag that works with store information,

A payment type manager that manages a payment type to be provided to a store;

A tag generator for generating and providing a tag including the store information;

An analysis unit configured to calculate store information using tag information transmitted by the mobile terminal;

A progress unit providing a process and an interface according to the payment type selected by the store; And

Payment system for providing a payment type desired by the store including a store information management unit for storing the store information and the payment type information.
The method of claim 1,

The store information

The store identification information and

A payment system providing a payment type desired by a store including payment type information of the store.
In the payment method using a tag that works with store information,

Receiving tag information recognized by a mobile communication terminal;

Providing a process and an interface to the mobile terminal according to the payment type selected by the store;

Requesting user authentication for payment from the mobile communication terminal;

Requesting a payment service institution for payment approval processing; And

The store desired payment method comprising the step of transmitting the processing result of the payment service provider to the mobile communication terminal.
The method of claim 3, wherein

Generating a tag including the store identification information; And

And providing the tag to the store.
The method of claim 3,

Providing a process and an interface to the mobile terminal according to the payment type selected by the store

Receiving a payment amount input from the affiliated store terminal;

Generating a tag including store information, payment amount and user authentication request;

Transmitting and displaying the tag to the affiliated store terminal;

Receiving user authentication information, store information, payment amount and payment request from the mobile communication terminal; And

The payment method desired by the store comprising the step of transmitting the processing result of the payment service provider to the merchant terminal.
The method of claim 3,

Providing a process and an interface to the mobile terminal according to the payment type selected by the store

Requesting a payment amount input to a merchant terminal;

Receiving the payment amount;

Receiving user authentication information, store information, price information, and a payment request from the mobile communication terminal; And

The payment method desired by the store comprising the step of transmitting the processing result of the payment service provider to the merchant terminal.
The method of claim 3,

Providing a process and an interface to the mobile terminal according to the payment type selected by the store

Requesting input of a payment amount and user authentication to the mobile communication terminal; And

Receiving user authentication information, store information, price information, and a payment request from the mobile communication terminal; And

The payment method desired by the store comprising the step of transmitting the processing result of the payment service institution to the manager of the store.
The method of claim 3, wherein

Providing a process and an interface to the mobile terminal according to the payment type selected by the store

Displaying a standby screen on the mobile communication terminal when the mobile communication terminal recognizes a tag and transmits shop identification information;

Activating a payment amount input screen of the merchant terminal;

Receiving an amount of money input to the affiliated store terminal;

Receiving user authentication information, store information, price information, and a payment request from the mobile communication terminal; And

The payment method desired by the store comprising the step of transmitting the processing result of the payment service institution to the manager of the store.
The method of claim 3, wherein

Providing a process and an interface to the mobile terminal according to the payment type selected by the store

Providing sales goods information to the mobile communication terminal;

Receiving shop information, selected product information, user authentication information, price information, and payment request from the mobile communication terminal; And

And transmitting the processing result of the payment service institution to the store, and accepting the ordered menu in the order system.
The method of claim 3, wherein

The store is a payment method desired by a store that is a vending machine.
The method of claim 10

Providing a process and an interface to the mobile terminal according to the payment type selected by the store

Receiving user authentication information from the mobile communication terminal;

Activating a regular vending machine to select a sale product;

Receiving selected goods and price information from the vending machine; And

And transmitting the processing result of the payment service institution to the vending machine, and managing the vending machine to discharge the ordered product only when it is normally approved.
The method of claim 11,

Generating a tag including the vending machine identification information; and

And providing the tag to the vending machine.
The method of claim 3, wherein

The shop is the payment method you want taxi.
The method of claim 13,

Providing a process and an interface to the mobile terminal according to the payment type selected by the store

Receiving a payment amount input from a taxi terminal of the taxi;

Receiving user authentication information, taxi information, price information, and payment request from the mobile communication terminal; And

The store desired payment method comprising the step of transmitting the processing result of the payment service institution to the taxi terminal.
The method of claim 14,

Generating a tag including the taxi identification information;

And providing the tag to the taxi terminal.
16. A computer program recorded in a computer-readable recording medium which executes any of the payment methods desired by a store in claims 3 and 15.