WO2022260487A1 - Système de paiement de titre de transport utilisant un code qr - Google Patents

Système de paiement de titre de transport utilisant un code qr Download PDF

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Publication number
WO2022260487A1
WO2022260487A1 PCT/KR2022/008247 KR2022008247W WO2022260487A1 WO 2022260487 A1 WO2022260487 A1 WO 2022260487A1 KR 2022008247 W KR2022008247 W KR 2022008247W WO 2022260487 A1 WO2022260487 A1 WO 2022260487A1
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WO
WIPO (PCT)
Prior art keywords
payment
middleware
charging
terminal
information
Prior art date
Application number
PCT/KR2022/008247
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English (en)
Korean (ko)
Inventor
박홍식
Original Assignee
주식회사 엔피솔루션
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 주식회사 엔피솔루션 filed Critical 주식회사 엔피솔루션
Publication of WO2022260487A1 publication Critical patent/WO2022260487A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points

Definitions

  • the present invention relates to a charge processing system using a QR code, which allows charging and payment to be made easily without a separate payment method such as a credit card, check card, or cash through a charge processing application installed on a user terminal, , a charge processing system using a QR code that can be used by a large number of customers by minimizing the load generated in the charging and payment process by charging companies and payment companies through independent middleware.
  • This public transportation fare processing method installs a terminal installed at the gate of a station or a terminal capable of receiving an RF signal inside a bus or taxi to receive card information from an RF credit card, an RF transportation card, or an NFC card of a smartphone. By recognizing, payment approval for traffic fares is processed.
  • Cards made of these plastics have various problems, such as the inconvenience of having to carry the card every time you use public transportation, the loss of the card, the problem of not being recognized due to damage to the card, and the problem of terminal error.
  • the present invention has been devised to solve the above problems, and allows charge charging and payment to be made using QR codes, and charges through independent middleware that plays each role in the charge and payment processing process.
  • the purpose is to provide a bill processing system using a QR code that minimizes the burden of charging, paying bills, and checking transaction details of many customers who use the processing system, so that the bill processing speed is done quickly and systematically.
  • the present invention relates to a communication server, a customer terminal connected to the communication server, installed with a customer application, and capable of recognizing a QR code, and a customer terminal connected to the communication server, installed with a charging application, and recognizable by the customer terminal.
  • a charging terminal that provides a QR code, a payment terminal that is connected to the communication server, has a payment application installed, and provides a QR code that can be recognized by a customer terminal, and checks the login information of the customer terminal to prioritize Customer middleware that is connected and provides and guides charging details when charging is requested, and provides and guides payment details when payment is requested, and checks the login information of the charging terminal to connect first and complete charging when charging is requested through the customer terminal and charging middleware that provides charging information, and payment middleware that checks the login information of the payment terminal and connects with priority, confirms payment when requesting payment through a customer terminal, and provides payment information, the customer middleware, charging middleware, Ledger middleware that records all information provided by payment middleware and synchronizes them in real time, connecting customer middleware and charging middleware in the middle during charging, and connecting customer middleware and payment middleware in the middle during payment; .
  • a sticker issuing unit for generating independent QR codes for each model of the charging terminal and payment terminal, issuing and providing them in the form of a sticker.
  • a DB server connected to the communication server to store information;
  • the DB server includes a first database unit for storing information of a customer terminal, a charging terminal, and a payment terminal transmitted to the ledger middleware; It is characterized in that it consists of; a first WAS unit that provides the information of the first database unit to an external operation manager.
  • a manager PC unit connected to the DB server to record daily information; further comprising a daily closing middleware for receiving information from the first database unit on a daily basis and organizing data in the manager PC unit, and the daily closing middleware It is characterized in that it consists of a second database unit for storing deadline information, and a second WAS unit for transmitting the information of the second database unit to the bus affiliated store web page.
  • the present invention has the effect of enhancing the convenience of use by allowing charge charging and payment to be made automatically in the form of recognizing a QR code through a customer terminal without a separate credit card, check card, or payment means such as cash.
  • the present invention minimizes the load caused by charge charging, payment, and transaction details confirmation of many customers using the charge processing system through independent middleware that plays each role in the charging and payment processing process, thereby increasing the rate processing speed. It has the effect of making it happen quickly and systematically.
  • FIG. 1 is a diagram showing the main configuration of a charge processing system using a QR code of the present invention
  • FIG. 2 is a view showing an embodiment in which a sticker issuing unit is further included in the system of the present invention
  • Figure 3 is a diagram showing the connection structure of the main middleware in the system of the present invention
  • FIG. 4 is a diagram sequentially showing the connection process of middleware during charging in the system of the present invention.
  • 5 is a diagram sequentially showing the connection process of middleware when riding in the system of the present invention.
  • FIG. 6 is a diagram sequentially showing the connection process of middleware when getting off in the system of the present invention.
  • FIG. 7 is a diagram sequentially showing the connection process of middleware when searching usage history in the system of the present invention.
  • FIG. 8 is a view showing another embodiment in which the DB server and the manager PC unit are further expanded and connected in the system of the present invention.
  • the fee processing system using the QR code of the present invention includes a communication server 100 and a customer terminal that is connected to the communication server 100, has a customer application installed, and can recognize a QR code. (200), a charging terminal (300) that is connected to the communication server (100), has a charging application installed, and provides a QR code recognizable by the customer terminal (200), and the communication server (100)
  • the payment terminal 400 which is connected, has a payment application installed, and provides a QR code recognizable by the customer terminal 200, and the login information of the customer terminal 200 is checked and connected with priority when charging is requested.
  • the customer middleware 500 which provides and guides charging details, and provides and guides payment details when a payment request is made, and connects first by checking the login information of the charging terminal 300, and requests charging through the customer terminal 200
  • charging middleware 600 and login information of the payment terminal 400 are checked and connected first, and when payment is requested through the customer terminal 200, payment is confirmed and payment information is sent.
  • the information provided by the payment middleware 700, the customer middleware 500, the charging middleware 600, and the payment middleware 700 are all recorded and synchronized in real time, so that when charging, the customer middleware 500 and the charging middleware are charged.
  • Ledger middleware 800 that connects the middleware 600 in the middle and connects the customer middleware 500 and the payment middleware 700 in the middle at the time of payment.
  • the fare processing system using the QR code of the present invention can be applied to fare processing systems in various fields, but will be described based on an example applied to public transportation corresponding to the most suitable field.
  • the communication server 100 corresponds to a configuration in charge of data communication of each middleware, such as customer middleware 500, charging middleware 600, payment middleware 700, and ledger middleware 800.
  • Middleware generally refers to software that exists between an operating system and applications running on the operating system. Since this middleware has the advantage of enabling communication and data management of distributed application programs, simultaneous use by many users is possible by minimizing the load generated in the process of charge and payment by the payment company through each independent middleware.
  • the main terminal of the present invention is composed of a customer terminal 200, a charging terminal 300, and a payment terminal 400.
  • the customer terminal 200 is a terminal that can be carried at all times in the form of a smartphone, and can be applied to a wearable device in the form of a smart watch in which the function of the smartphone is miniaturized as it is.
  • the customer terminal 200 is connected to the communication server 100 and has a customer application installed. ID login, current balance, usage details, and a QR code scan screen capable of recognizing QR codes when getting on and off may appear in the customer application.
  • the charging terminal 300 is a terminal for charging a certain amount of charge of the customer terminal 200, and is installed in a place where charging is to be made.
  • a charging application is installed to provide a QR code that can be recognized by the customer terminal 200 so that the customer terminal 200 recognizing the QR code is charged. Screens related to ID login, charging details (serial number, charging time, charging amount, fee, etc.), charging cancellation, and receipt output may be displayed on the charging application installed in the charging terminal 300 .
  • the payment terminal 400 corresponds to a terminal in which payment is made through the customer terminal 200 by providing a unique QR code installed at a place using public transportation. That is, when the payment terminal 400 is applied to a bus, it is preferable to install it at a boarding position and alighting position inside the bus.
  • the application for payment installed in the payment terminal 400 may be displayed on a screen related to ID login, vehicle operation information, boarding information, getting off information, passenger details, and fare calculation.
  • the charge processing system using the QR code of the present invention generates an independent QR code for each model of the charging terminal 300 and the payment terminal 400, and issues a sticker in the form of a sticker issuing unit. (900); may further include.
  • the QR code provided by the charging terminal 300 and the payment terminal 400 is not displayed through a separate liquid crystal screen, and the QR code sticker issued through the sticker issuing unit 900 is sent to the charging terminal 300 or the payment terminal (400) to recognize the attached QR code sticker through the customer terminal 200 so that charging and payment are made.
  • the QR code is not directly displayed on the terminal, but issued in the form of a sticker and attached as a unique QR code sticker for each model, the system administrator can easily manage a large number of terminals, and the QR code can be continuously displayed on the terminal screen. Since the QR code can be recognized without being displayed, the load of the charging terminal 300 and the payment terminal 400 can be reduced and various information can be checked at all times.
  • the present invention provides customer middleware 500, charging middleware 600, and payment middleware 700 to each customer terminal 200, charging terminal 300, and payment terminal 400.
  • the ledger middleware 800 which is connected to the applications of and exists in the form of connecting each middleware, commands are transmitted in one direction during charging and payment.
  • the customer when charging, as shown in FIG. 4, after going to the place where the charging terminal 300 is installed, recognizing the QR code with the customer application through the customer terminal 200, and then requesting a certain charging amount, the customer The request is transmitted to the charging terminal 300 via the middleware 500 - ledger middleware 800 - charging middleware 600. Then, when the charging amount is entered by operating the charging application through the charging terminal 300, the customer terminal 200 is finally passed through the charging middleware 600-ledger middleware 800-customer middleware 500 in reverse order. It is possible to check the charging details through the application for customers of .
  • the ride notification information is sent to the customer middleware. It is transmitted to the payment application of the payment terminal 400 through the order of (500) - ledger middleware (800) - payment middleware (700). Then, when payment information is confirmed in the payment application, payment and ride details are displayed in the customer application through the payment middleware 700 - ledger middleware 800 - customer middleware 500 again.
  • FIG. 8 shows an embodiment in which the system of the present invention is further expanded, and further includes a DB server 1000 that is connected to the communication server 100 and stores information, and the DB server 1000 is the first database unit 1100 that stores the information of the customer terminal 200, the charging terminal 300, and the payment terminal 400 transmitted to the ledger middleware 800, and the information of the first database unit 1100 A first WAS unit 1200 providing an external operation manager;
  • the communication server 100 further includes a push middleware 110 connected to the DB server 1000 so that a push notification can be made to the customer terminal 200 at the request of a manager.
  • a manager PC unit 2000 connected to the DB server 1000 to record daily information; may further include.
  • the manager PC unit 2000 receives information from the first database unit 1100 on a daily basis and organizes the data by daily closing middleware 2100, and the second storing the closing information of the daily closing middleware 2100. It consists of a database unit 2200 and a second WAS unit 2300 that transmits the information of the second database unit 2200 to a bus affiliated store web page.
  • the manager PC unit 2000 further includes an affiliated store middleware 2400 capable of obtaining daily deadline information data, so that deadline information can be checked through a separate operator terminal 2500.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système de paiement de titre de transport utilisant un code QR, le système de paiement de titre de transport permettant de recharger ou de payer de manière commode un titre de transport par l'intermédiaire d'une application de paiement de titre de transport, installée dans un terminal d'utilisateur, sans moyen de paiement séparé, tel qu'une carte de crédit, une carte de débit, ou de l'argent liquide, et permettant à un client, une société de rechargement et une société de paiement de réduire au minimum les charges générées pendant les processus de rechargement et de paiement de titre de transport par l'intermédiaire d'un intergiciel indépendant respectif, et pouvant donc être utilisé par de nombreux segments de clientèle.
PCT/KR2022/008247 2021-06-11 2022-06-10 Système de paiement de titre de transport utilisant un code qr WO2022260487A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2021-0076144 2021-06-11
KR1020210076144A KR102359486B1 (ko) 2021-06-11 2021-06-11 Qr코드를 이용한 요금처리 시스템

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WO2022260487A1 true WO2022260487A1 (fr) 2022-12-15

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Publication number Priority date Publication date Assignee Title
KR102359486B1 (ko) * 2021-06-11 2022-02-08 (주)포커스정보 Qr코드를 이용한 요금처리 시스템

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130117948A (ko) * 2012-04-19 2013-10-29 (주)메트로이플로직스 큐알코드를 활용한 교통서비스 시스템
KR20150124727A (ko) * 2014-04-29 2015-11-06 주식회사 해피머니아이엔씨 고객의 사용 편의성을 제공하는 코드인식앱이 탑재된 스마트기기
KR101955427B1 (ko) * 2017-09-01 2019-03-07 주식회사 국민은행 Qr코드를 이용한 거래단축 금융서비스 제공시스템 및 방법
KR101986540B1 (ko) * 2019-01-22 2019-06-07 (주)베스트케이에스 큐알 코드를 이용한 버스 요금 징수 시스템 및 요금 징수 방법
KR20200144339A (ko) * 2019-06-18 2020-12-29 송민겸 택시를 이용한 모바일 커머스 제공 방법
KR102359486B1 (ko) * 2021-06-11 2022-02-08 (주)포커스정보 Qr코드를 이용한 요금처리 시스템

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102257433B1 (ko) 2019-03-26 2021-05-31 (주)자이로스 Qr 승차권을 이용한 대중교통요금 처리 방법 및 시스템

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130117948A (ko) * 2012-04-19 2013-10-29 (주)메트로이플로직스 큐알코드를 활용한 교통서비스 시스템
KR20150124727A (ko) * 2014-04-29 2015-11-06 주식회사 해피머니아이엔씨 고객의 사용 편의성을 제공하는 코드인식앱이 탑재된 스마트기기
KR101955427B1 (ko) * 2017-09-01 2019-03-07 주식회사 국민은행 Qr코드를 이용한 거래단축 금융서비스 제공시스템 및 방법
KR101986540B1 (ko) * 2019-01-22 2019-06-07 (주)베스트케이에스 큐알 코드를 이용한 버스 요금 징수 시스템 및 요금 징수 방법
KR20200144339A (ko) * 2019-06-18 2020-12-29 송민겸 택시를 이용한 모바일 커머스 제공 방법
KR102359486B1 (ko) * 2021-06-11 2022-02-08 (주)포커스정보 Qr코드를 이용한 요금처리 시스템

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