WO2021145537A1 - Procédé de médiation de paiement sur la base d'un code qr unique et système associé - Google Patents

Procédé de médiation de paiement sur la base d'un code qr unique et système associé Download PDF

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Publication number
WO2021145537A1
WO2021145537A1 PCT/KR2020/014746 KR2020014746W WO2021145537A1 WO 2021145537 A1 WO2021145537 A1 WO 2021145537A1 KR 2020014746 W KR2020014746 W KR 2020014746W WO 2021145537 A1 WO2021145537 A1 WO 2021145537A1
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Prior art keywords
payment
code
information
consumer
terminal
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PCT/KR2020/014746
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English (en)
Korean (ko)
Inventor
류정욱
최두용
조창균
이원세
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나이스정보통신주식회사
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Publication of WO2021145537A1 publication Critical patent/WO2021145537A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • the present invention relates to a single QR code-based payment brokerage method, and to a system for the same, so that payment can be easily made with only one QR code provided in a merchant, regardless of what kind of payment service a consumer uses, In addition, it relates to a method and system that enables both consumers and merchants to make transactions in a familiar environment by allowing the payment method using the existing merchant terminal to be maintained as it is.
  • a representative example of the newly proposed payment method is a barcode or QR code-based payment method.
  • code-based payment methods combine the platform operators’ active efforts to expand their business areas, and the speed and simplicity of payment. Its use has greatly increased.
  • Non-use of POS terminals causes inconvenience not only to franchisees but also to consumers.
  • the consumer recognizes that the payment for the purchase of goods or services has been completed by checking the scene where the receipt is printed from the POS terminal. Even if the consumer requests the franchisee to discard the printed receipt immediately, the consumer sees the receipt being printed. By witnessing the payment, it is possible to recognize that the payment has been completed normally and to be able to trust the payment.
  • the code-based payment process often proceeds without going through the POS terminal, and in this case, the receipt output from the POS terminal is not naturally performed. It will be an experience that cannot be confirmed with confidence.
  • the present invention was derived by focusing on the problems of the current code-based payment means and system as described above, and it is possible to solve the technical problems discussed above, as well as those of ordinary skill in the art to easily invent the invention. It was invented to provide additional technical elements that could not be done.
  • An object of the present invention is to improve the existing code-based payment method, which had to use different QR codes according to different payment service providers, so that all types of payment applications can be utilized with only a single QR code.
  • various payment service providers appear recently, consumers and franchisees may be confused about which payment method to use. It is difficult to predict which payment service will be successful in the end, and the amount of payment in offline stores In this still insignificant situation, it is difficult to respond to the use of all payment services, and the present invention aims to solve such inconvenience.
  • Another object of the present invention is to enable consumers to receive appropriate additional services together in the process of single QR code-based payment, and furthermore, to query and provide the most suitable additional services to consumers. .
  • the payment request amount in the order information received from the merchant is calculated according to the exchange rate with another currency and shared with the consumer, and the consumer can make the exchange rate The purpose of this is to enable payment while it has been calculated.
  • the present invention aims to enable consumers and franchisees to make transactions in a familiar transaction environment by allowing the existing affiliated store terminals, that is, POS terminals, to be used as they are, and in this case, the payment flow using the conventional POS terminal is
  • An object of the present invention is to enable franchisees to easily utilize the payment service according to the present invention by making it possible without a major system change or logic modification.
  • existing POS terminals that is, POS terminals, which are the most commonly used payment terminals in the current commerce environment where credit cards or cash are the main payment methods, i) external payment requests and ii) external payments. It is characterized in that it is implemented to necessarily perform a response process.
  • the mediation server 300 receives a payment request from the POS terminals, and the mediation server 300 sends a payment response to the POS terminals. It aims to enable QR payment method support without modifying existing POS terminals by implementing it to deliver.
  • the present invention is to solve the above problems, and the method for the payment intermediary server according to the present invention to mediate a single QR code-based payment is a payment request from an affiliated store terminal -
  • the payment request includes affiliated store information and order information - receiving;
  • the purchase identification information includes merchant information obtained from the identification code corresponding to the merchant by the consumer terminal, and a payment service code that can identify the payment service that the consumer of the consumer terminal wants to use - receiving; Inquiring additional services applicable to the order information; receiving a payment completion report from a payment approval server, wherein the payment completion report includes information on the fact that the payment approval server has approved the payment; and transmitting a payment completion response to the affiliated store terminal.
  • the purchase identification information is generated by a payment application installed in the consumer terminal, and the payment service code is a letter, number, or a combination of letters and numbers inserted in the version information of the payment application.
  • the payment service code is a letter, number, or a combination of letters and numbers inserted in the version information of the payment application.
  • mapping the order information corresponding thereto with reference to affiliate store information in the purchase identification information may further include; transmitting payment information for a product that the consumer wants to purchase to the consumer terminal.
  • the payment request from the affiliated store terminal includes a payment request amount of a first currency
  • the payment information transmitted to the consumer terminal includes a payment scheduled amount of the second currency - of the second currency
  • the expected payment amount may be characterized in that - the payment request amount of the first currency is calculated according to the exchange rate.
  • the payment approved by the payment approval server may be characterized in that it is made according to the payment scheduled amount of the second currency.
  • the step of receiving the payment completion report from the payment approval server it may further include the step of applying the inquired additional service.
  • the step of providing additional service information including at least one or more additional service types to the consumer terminal before the step of inquiring the additional service applicable to the order information in the method, the step of providing additional service information including at least one or more additional service types to the consumer terminal; and receiving, from the consumer terminal, an additional service input selected by the consumer.
  • the identification code corresponds to the affiliated store terminal or affiliated store, and may be exposed so that the consumer terminal in the affiliated store can be photographed or contacted.
  • the payment request may further include at least one of a name, a product code, a quantity, an installment month, and a price of a product that the consumer wants to purchase.
  • the payment intermediary server is a single QR code based
  • a method of mediating payment includes: receiving a payment request from an affiliated store terminal, wherein the payment request includes affiliated store information and order information; receiving purchase identification information from a consumer terminal, wherein the purchase identification information includes affiliate store information obtained by the consumer terminal from an identification code corresponding to an affiliated store; Inquiring additional services applicable to the order information; receiving a payment completion report from a payment approval server, wherein the payment completion report includes information on the fact that the payment approval server has approved the payment; and transmitting a payment completion response to the affiliated store terminal.
  • the franchisee since the franchisee only needs to have one QR code in the affiliated store, there is an effect that it is possible to use the code-based payment service more easily than before, and from the point of view of the consumer, one QR code is used regardless of which payment application is used. It has the effect of being able to make all payments just by shooting the code.
  • the exchange rate can be easily calculated, and the calculated value is used to increase the convenience of the merchant and the consumer.
  • the franchisee can use the conventional affiliated store terminal, that is, the POS terminal as it is, there is an effect that consumers can proceed with the payment in a familiar environment. It is possible to check the output, which has the effect of more clearly confirming that the payment has been completed normally.
  • 1 illustrates a conventional code-based payment method.
  • FIG. 2 illustrates a process of experiencing the payment method according to the present invention from a consumer's point of view.
  • FIG 3 shows a first embodiment, which is a representative embodiment according to the present invention.
  • FIG. 4 is a view showing a part of the header of the purchase identification information transmitted by the consumer terminal to the mediation server.
  • FIG. 5 shows a second embodiment according to the present invention, and shows an embodiment including a process in which an additional service is further provided.
  • FIG. 6 shows a third embodiment according to the present invention, and shows an embodiment including a process of calculating an exchange rate when the currency at the affiliate store and the currency when the actual payment is made are different from each other.
  • a component when it is said that a component is “connected” or “connected” to another component, it may be directly connected or connected to the other component, but it should be understood that other components may exist in between. do.
  • code-based payment system or code-based payment intermediary system are used interchangeably, but it should be understood that the above terms are actually descriptions of the same payment system, However, it is understood that the term “payment intermediary system (method)” is a term used to distinguish and describe the system viewed from the standpoint of an intermediary server to be described later.
  • FIGS. 1 and 2 respectively show a conventional QR code-based payment system and a single QR code-based payment system according to the present invention.
  • the code-based payment method is largely divided into a Merchant Presented Mode (MPM) method and a Customer Presented Mode (CPM) method.
  • MPM Merchant Presented Mode
  • CPM Customer Presented Mode
  • several QR codes have to be provided in one affiliate store, and as a consumer, one of these several QR codes is selected according to the type of payment application that he or she wants to use and photographed, and the consumer directly uses his or her terminal.
  • the payment could be completed by directly entering the amount to be sent to the franchisee, that is, the cost of the product or service to be purchased, and then going through the authentication process.
  • the consumer cannot know which payment application to use, so the QR codes provided by as many payment providers as possible should be kept in the affiliate store.
  • FIG. 2 shows a single QR code-based payment method according to the present invention, and is intended to solve the problems that appeared in the conventional code-based payment method mentioned above.
  • the franchisee enters information about the product or service that the consumer wants to purchase on the affiliate store terminal, that is, the POS terminal according to the purchase request of the consumer (Fig. 2a). ), and thereafter, when the consumer shoots a single QR code provided in the affiliated store (FIG. 2 b), the POS terminal prints a receipt so that the payment can be completed.
  • the payment method according to the present invention is that i) it is sufficient to have only one QR code in the affiliate store. ii) Consumers only need to shoot one QR code regardless of which payment application they use, so there is no need to worry about photographing the wrong QR code.
  • Point iii) The store owner directly inputs the payment amount into the POS terminal iv)
  • the store owner who is proficient in entering the payment amount directly enters the payment amount, so there are significantly fewer erroneous inputs compared to the conventional method in which consumers directly input v) Payment is completed It can be said that it has an improvement over the conventional payment method of FIG. 1 in that it can be clearly recognized through a physical event of receipt printing as in the existing payment environment.
  • FIG 3 shows a single QR code-based payment method and system according to the present invention.
  • devices are required in the payment system and how each device operates in the payment process. do it with
  • the types of devices constituting the payment system may include an affiliated store terminal 100 , a consumer terminal 200 , an intermediary server 300 , and a payment approval server 500 .
  • the affiliated store terminal 100 refers to a device provided for payment in each affiliated store, and a POS terminal may be considered as one type of affiliated store terminals.
  • the affiliated store terminal 100 may preferably be able to transmit/receive data to and from an intermediary server 300 to be described later through a network, and furthermore, it may be implemented to enable communication with the consumer terminal 200 .
  • the merchant terminal 100 according to the present invention can support a single QR code payment method without any special modification compared to the terminal in an environment where payment is made with a credit card or cash. It is characterized in that the merchant terminal 100 according to the present invention can request a payment through an intermediary server 300 to be described later and receive a payment completion response through the entire payment system or the entire payment environment. I understand that it is due to the fact that it was implemented.
  • the consumer terminal 200 refers to a terminal of a consumer who wants to purchase a product or service, and the consumer terminal 200 is connected to a network and is capable of photographing or scanning a QR code or other identification code provided in an affiliated store. If it has a function that can be used, its type is not limited.
  • a representative example of the consumer terminal 200 may be a smartphone, and in addition, portable terminal devices such as a tablet PC and a PDA may be further included.
  • the intermediary server 300 serves as an intermediary between the affiliated store terminal 100, the consumer terminal 200, and the payment approval server 500 within the payment system, and in particular, the affiliated store terminal 100 in the code-based payment process. ) can be understood as an important component that enabled the participation of Such an intermediary server 300 may be operated or operated by a separate intermediary service provider in addition to the payment service provider.
  • the mediation server 300 may register and store information on affiliated stores with a single QR code or information on affiliated store terminals in advance, and affiliate store information received from the consumer terminal 200 later (in this case, affiliate store information).
  • the function of the mediation server 300 will be looked at in more detail through the payment process to be described later.
  • the payment approval server 500 may be understood as a subject that approves a payment approval request from the consumer terminal 200, and more easily be understood as a server operated or operated by a business providing a payment service.
  • a business operator that provides various pay services, or a card business operator may be the subject of operating or operating the payment approval server 500 .
  • the aforementioned affiliated store terminal, consumer terminal, intermediary server, and payment approval server are all basically arithmetic devices, assuming that they are provided with a central processing unit (CPU) and a memory.
  • the central processing unit may also be referred to as a controller, a microcontroller, a microprocessor, a microcomputer, or the like.
  • the central processing unit may be implemented by hardware, firmware, software, or a combination thereof.
  • an ASIC application specific integrated circuit
  • DSP digital signal processor
  • DSPD digital signal processing device
  • PLD programmable logic device
  • FPGA field programmable gate array
  • firmware or software when implemented using firmware or software, a module, procedure or function that performs the above functions or operations, etc.
  • Firmware or software may be configured to include
  • the memory includes ROM (Read Only Memory), RAM (Random Access Memory), EPROM (Erasable Programmable Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), flash memory, SRAM (Static RAM), It may be implemented as a hard disk drive (HDD), a solid state drive (SSD), or the like.
  • the mediation server 300 is a program for actually implementing the method according to the present invention, that is, a configuration that provides a set of instructions, and the form of the mediation server 300 is for at least one server managed by a certain operator It may be a PC, or it may be in the form of a cloud server provided by another company, that is, in the form of a cloud server that an operator can use by registering as a member.
  • each device constituting the single QR code-based payment system according to the present invention has been examined.
  • a payment method based on a single QR code will be described with reference to FIG. 3 .
  • the single QR code-based payment method may start from the step (S101) in which the intermediary server 300 receives a payment request from the affiliated store terminal 100 first. For example, if a consumer wants to use a single QR code-based payment service after having lunch, the consumer communicates his/her intention to pay to the franchisee, and the franchisee determines what kind of food the above consumer ate, and the total payment How much amount is required may be input on the affiliate store terminal 100 .
  • the payment request that the intermediary server 300 receives from the affiliated store terminal 100 may include affiliated store information and further include order information.
  • Merchant information refers to information that can identify each affiliated store, which may include the affiliated store code assigned to each affiliated store. Information may also be included.
  • the order information may be understood as information that can distinguish the payment case that the consumer wants to proceed, and this may include the code, name, quantity, price, order time, etc. of the product the consumer wants to purchase.
  • the payment request in this step can be understood as substantially the same as the operation in the existing merchant terminal, that is, the POS terminal, and for this reason, a developer can implement a single QR code-based payment system according to the present invention with minimal specialized modifications. there will be
  • the mediation server 300 may store the information included in the previously received payment request in the internal memory.
  • (S102) That is, affiliate store information or order information is temporarily or permanently stored in the database provided in the intermediary server 300 to be used as a reference in proceeding with future payments.
  • the mediation server 300 may receive purchase identification information including affiliate store information from the consumer terminal 200 .
  • the affiliated store information included in the purchase identification information is obtained by the consumer terminal 200 scanning an identification code provided in the affiliated store, that is, a single QR code. It can be said to be information to be able to distinguish the current merchant from which goods or services are being purchased.
  • the purchase identification information may be generated by a payment application installed in the consumer terminal 200, and of course, the purchase identification information is displayed according to which payment application or payment service the consumer uses.
  • the generating entity (software) may also be different.
  • the single QR code may be provided in the affiliate store in various forms, for example, it may be placed at any position in the affiliate store in the form of printed matter or displayed on the screen of the display device (tablet PC) in the affiliate store.
  • the consumer executes the payment application installed on the consumer's own consumer terminal 200 to shoot a single QR code in the affiliated store. can scan.
  • the information that the consumer terminal 200 can obtain by scanning a single QR code includes the corresponding affiliate store information (information that can identify the affiliate store, which is substantially the same as described in step S101 above), and the above single QR code.
  • An issuer code that can identify the issuer who issued the issue may be included.
  • the issuer who issued the single QR code may be a variety of subjects, but may preferably be a brokerage operator operating the mediation server 300 .
  • a separate guide may be further provided in the single QR code provided in the affiliated store, which may include information that allows the consumer to compare the corresponding affiliated store information, and allows the consumer to check the information displayed in the guide. By comparing the information and the affiliated store information displayed on the consumer terminal 200, it is possible to determine whether they match each other.
  • the intermediary server 300 determines which payment application the consumer uses, That is, it is necessary to determine which payment service provider is using the payment service.
  • the mediation server 300 can identify it. It is characterized by having The method of allowing the mediation server 300 to identify the consumer's payment service by using the payment service code may be implemented in various ways, for example, the payment service code may be inserted in the information for checking the payment application version. there is.
  • FIG. 4 shows a part of the HTTP Header included in the purchase identification information transmitted to the mediation server 300 through the payment application of the consumer terminal 200 .
  • strings that can identify which payment service the corresponding payment application is for such as AAApayDefined, AAApp, and AAApayClient, are included.
  • the server 300 can identify the payment service provider simply by referring to a part of the header information received from the consumer terminal 200 .
  • the mediation server 300 maps the order information to be paid in the current consumer terminal 200 with reference to the affiliate store information in the previously received purchase identification information.
  • the intermediary server 300 receives the affiliated store information received from the affiliated store terminal 100 in step S101 and the order information stored in the internal database in step S102 as corresponding thereto from the consumer terminal 200. By comparing the merchant information, the order information of the case to be paid is mapped.
  • the mediation server 300 After step S104 , the mediation server 300 generates payment information with reference to the previously mapped order information, and then transmits it to the consumer terminal 200 .
  • the above payment information may include at least one of detailed merchant information, order identification code, order history, order amount, payment method-specific benefits, and additional merchant marketing information.
  • the intermediary server 300 transmits payment information to the consumer terminal 200 and calls the payment process so that the payment application installed in the consumer terminal 200 can proceed to the next payment step. can do it
  • the intermediary server 300 already recognizes which payment service the consumer terminal 200 uses, that is, which payment application is used, and the intermediary server 300 refers to this and performs the next payment process of the payment application. It is possible to push payment information so that it can proceed.
  • step S105 When step S105 is executed, from the point of view of the consumer, information on the product that he or she wants to purchase, the amount to be paid, information about the merchant currently purchasing the product, etc. are displayed on the payment application, so that it can be recognized as a process to confirm it, and finally After checking the information on the payment with , it can be recognized as a process leading to the original payment step that the payment application has, that is, the authentication and final payment request step.
  • step S105 not only payment information is provided, but also additional marketing information in progress at the corresponding affiliate store with the consumer terminal 200, information on ancillary additional services such as benefit information for each payment method, membership information, etc. This can be done together, and after receiving the above information, the user can select any one and reflect it in future payments or enjoy independent and separate additional services such as point accumulation.
  • step S105 the consumer may perform an authentication process (PIN input, biometric authentication, etc.) for payment on his/her consumer terminal 200, more precisely, on a payment application, and after successful authentication, the consumer terminal 200 pays A final payment approval may be requested from the approval server 500 .
  • PIN input PIN input, biometric authentication, etc.
  • the payment approval server 500 may transmit a payment completion report indicating that the payment has been completed to the mediation server 300 (S107).
  • the mediation server 300 may again transmit a payment completion response informing that the payment is completed to the affiliated store terminal 100 (S108).
  • the merchant terminal 100 that has received the payment completion response outputs a receipt so that the consumer can easily check with the naked eye that the payment has been made normally.
  • a single QR code-based payment method or a single QR code-based payment method according to the present invention has been described above with respect to a method in which the mediation server 300 mediates.
  • the affiliated store terminal 100 may be implemented to enable communication between the affiliated store terminal 100 and the consumer terminal 200 , and in particular, the affiliated store terminal 100 indicates that the consumer terminal 200 is located in the affiliated store. It may be possible to confirm that the point or the consumer terminal 200 exists at a distance close enough to enable short-distance communication with the affiliated store terminal 100 .
  • the affiliated store terminal 100 may further acquire information (eg, a Bluetooth ID of the consumer terminal, etc.) for identifying the consumer terminal 200 by performing short-range communication (eg, Bluetooth) with the consumer terminal 200 .
  • the information obtained in this way in step S101 described above may be delivered to the mediation server 300 together when the payment request is delivered. This information can be referred to in the future for the intermediary server 300 to map the order information corresponding to the corresponding consumer terminal 200, and further, the consumer terminal 200 is present around the affiliated store terminal 100. It can be useful in that it allows you to check .
  • the payment code required for payment in this detailed description, can be not only a form of QR code but also another medium.
  • the payment code is provided in the affiliate store, such as a Bluetooth beacon device (not shown) or an NFC card (NFC terminal; not shown) separately provided in the affiliate store, and is provided in the customer terminal 200 and data transmission/reception terminal device that can transmit and receive data. can also be shared with each other.
  • the consumer can obtain a single payment code corresponding to the affiliated store by contacting his or her consumer terminal 200 with the Bluetooth beacon device or NFC card (or NFC terminal), and thereafter according to the process described above It can be implemented to proceed with payment.
  • the payment code is transmitted to the consumer terminal 200 after inputting payment information on the merchant terminal 100 without having to separately photograph or scan the code from the consumer's point of view. By automatically delivering it, it can be implemented so that the payment can be easily carried out even if the consumer does not perform a special action other than a simple click.
  • Bluetooth technology-based user accessories such as Bluetooth earphones
  • the number of consumers who have the Bluetooth function turned on all the time is also increasing. If my Bluetooth beacon can automatically deliver the payment code, consumers can experience a more convenient payment environment.
  • the additional service server 400 is further included while still including the payment system of FIG. 3, and the illustrated method also includes processes that allow the consumer to apply the additional service together with payment. characterized in that it is included.
  • the additional service server 400 may be understood as a server operated or operated by a business that provides points, discounts, vouchers, and other additional services that may be additionally provided to consumers in making payment, and the additional services
  • the server 400 and the payment approval server 500 may be operated by different entities, but there are cases in which they are operated by the same operator.
  • steps S201 to S204 are substantially the same as steps S101 to S104 of FIG. 3 described above, a detailed description thereof will be omitted, and a description will be made from step S205.
  • Step S205 is a step of inquiring the supplementary services applicable to the order information previously mapped by the mediation server 300 to the supplementary service server 400 side.
  • the intermediary server 300 is an additional service that the consumer can receive through this product or service purchase before transmitting payment information to the consumer terminal 200, or an additional service that can be received by using the payment service used by the consumer.
  • the service may be inquired through the additional service server 400 in advance, and additional service information applicable to the order information obtained in this process may be calculated in advance (S206), and the result may be provided to the consumer terminal 200 .
  • the mediation server 300 determines whether a coupon applicable to the beverage the consumer wants to purchase exists, and how many points are accumulated for the amount to be paid at the convenience store. It is possible to inquire in advance how much points can be accumulated on the payment application or payment service that the consumer wants to use, and based on the inquiry result, the payment amount in the state in which the corresponding additional service is applied in advance, the accumulated points etc. can be calculated. At this time, the mediation server 300 may determine the additional service with the highest benefit to the consumer among the additional services applicable to the order information, and notify the consumer only of the final payment amount or the accumulated points in the state to which the additional service is applied. .
  • the mediation server 300 searches for additional services applicable to the supplementary service server 400 side, information that can identify the corresponding order information itself, as well as information that identifies the consumer Possible information may also be included.
  • the information capable of identifying the consumer may include a phone number of the consumer terminal 200 and log-in information necessary for using the payment application.
  • step S207 the mediation server 300 transmits payment information to the consumer terminal 200 .
  • the consumer can view and confirm payment information shared by the intermediary server 300 on his or her payment application, for example, payment information in which points to be accumulated are displayed together, and after confirmation, through an authentication procedure such as entering a PIN number Finally, a payment approval request may be made to the payment approval server 500 .
  • the intermediary server 300 receives a payment completion report from the payment approval server 500 (S209), and then the intermediary server 300 accesses the additional service server 400 again to apply the additional service. You can request to do it (S210), and finally, by transmitting a payment completion response to the affiliated store terminal 100 (S211), a receipt can be output.
  • FIG. 6 is an embodiment for showing that the intermediary server 300 can calculate the exchange rate in the single QR code-based payment process. For example, when an overseas tourist purchases a product or service after visiting Korea, simply scanning a single QR code This is an embodiment in which payment in the local currency is possible only by doing so.
  • the mediation server 300 performs the process of calculating the exchange rate (first currency -> second currency) after mapping the order information (S305), payment information delivered to the consumer terminal 200 is different from the embodiment of FIG. 3 in that the amount in the second currency is displayed (S306), and the consumer proceeds with authentication and payment after confirming the amount (S307).
  • the embodiment shown in FIG. 6 can be used, for example, when a foreign tourist visits Korea, for example, when a Chinese tourist visits Korea and purchases a product at a convenience store.
  • KRW KRW
  • the payment application displays KRW (KRW)
  • RMB CNY
  • the mediation server 300 can recognize that the payment has been requested in the first currency on the merchant terminal 100 from the payment request received in step S301, and from the purchase identification information received in step S303, the consumer It can be recognized that the terminal 200 wants to pay in the second currency.
  • the purchase identification information to be received in step S303 may include a code for identifying a payment service or a payment service provider as described above with reference to FIGS. 3 and 4 , but in the embodiment of FIG.
  • the fact that the consumer wants to pay in the second currency can be determined from some codes included in the purchase identification information or from the fact that the payment application installed in the consumer terminal 200 is operated by the operator of which country. can On the other hand, in the embodiment of FIG.
  • the intermediary server 300 is illustrated and described as directly performing an exchange rate calculation from the first currency to the second currency, but the device or server (eg, a bank server) for the exchange rate calculation is It may exist in a separate external place, and in this case, the mediation server 300 may perform the corresponding process by transmitting information necessary for calculating the exchange rate to an external device or server.
  • the device or server eg, a bank server
  • the mediation server 300 may perform the corresponding process by transmitting information necessary for calculating the exchange rate to an external device or server.
  • the exchange rate calculation may be made in the form of one type of additional service provided by a separate server such as the additional service server 400 , in which case the mediation server 300 orders After the information mapping (S304), it is possible to request an exchange rate calculation service from the additional service server 400, and after receiving the exchange rate calculation value from the additional service server 400, payment information to the consumer terminal 200 with reference to this value It can be implemented so that the delivery (S306) is made.
  • the intermediary server 300 provides information necessary for exchange rate calculation, for example, the purchase price, quantity, purchase date and time of goods or services, etc. At least one piece of information related to a corresponding purchase may be provided.

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Abstract

La présente invention concerne un procédé de médiation de paiement sur la base d'un code QR unique et un système associé, le procédé et le système permettant d'effectuer facilement un paiement avec un code QR unique fourni dans un magasin affilié, quel que soit le type de service de paiement qu'un consommateur utilise, et dans lequel, en permettant à un procédé de paiement à l'aide d'un terminal de magasin affilié existant d'être maintenu tel quel, les consommateurs et les propriétaires de magasins affiliés peuvent effectuer des transactions dans un environnement familier.
PCT/KR2020/014746 2020-01-15 2020-10-27 Procédé de médiation de paiement sur la base d'un code qr unique et système associé WO2021145537A1 (fr)

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KR1020200005461A KR102172924B1 (ko) 2020-01-15 2020-01-15 단일qr코드 기반의 결제 중개 방법 및 이를 위한 시스템
KR10-2020-0005461 2020-01-15

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KR102626969B1 (ko) * 2021-02-24 2024-01-18 나이스정보통신주식회사 간편 출입 인증을 지원하는 결제 처리 방법 및 결제 처리 시스템
KR102629426B1 (ko) * 2021-12-14 2024-01-25 보이스아이 주식회사 서로 다른 종류의 간편결제코드를 포함하는 이종 간편결제코드 및 이를 이용한 간편결제방법

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