WO2023113217A1 - Code de paiement simple hétérogène comprenant un code à barres à haute densité utilisable pour plusieurs services de paiement simple et procédé de paiement simple correspondant - Google Patents

Code de paiement simple hétérogène comprenant un code à barres à haute densité utilisable pour plusieurs services de paiement simple et procédé de paiement simple correspondant Download PDF

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Publication number
WO2023113217A1
WO2023113217A1 PCT/KR2022/016851 KR2022016851W WO2023113217A1 WO 2023113217 A1 WO2023113217 A1 WO 2023113217A1 KR 2022016851 W KR2022016851 W KR 2022016851W WO 2023113217 A1 WO2023113217 A1 WO 2023113217A1
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Prior art keywords
simple payment
code
heterogeneous
payment
terminal
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PCT/KR2022/016851
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English (en)
Korean (ko)
Inventor
이성진
박대용
김형근
정권성
강상진
Original Assignee
주식회사 두빛나래소프트
보이스아이 주식회사
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Publication of WO2023113217A1 publication Critical patent/WO2023113217A1/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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • 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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
    • G06K17/0025—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device the arrangement consisting of a wireless interrogation device in combination with a device for optically marking the record carrier
    • 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
    • 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
    • G06K19/06009—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 with optically detectable marking
    • G06K19/06037—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 with optically detectable marking multi-dimensional coding
    • 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
    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/3276—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
    • G06Q20/30—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
    • G06Q20/3278—RFID or NFC payments by means of 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication

Definitions

  • the present invention relates to a simple payment code and a payment method thereof.
  • Simple payment service refers to a system that allows simple payment without going through complex procedures such as public certificates.
  • the simple payment service is carried out in a way that utilizes near field communication (NFC) or two-dimensional barcodes such as QR codes.
  • NFC near field communication
  • 2D barcodes such as QR codes.
  • MPM Merchant Presented Mode
  • CPM Customer Presented Mode
  • the MPM method is a method in which the seller presents a QR code containing the seller's unique information and the buyer scans it with a smartphone. How to scan it.
  • a seller must equip a store with several to dozens of 2D barcodes to enable MPM payment. After asking the buyer what kind of simple payment service he uses, he must find the corresponding simple payment code and bring it out to the buyer. This is because the simple payment service used by each buyer may be different.
  • the inventor of the present invention has completed the present invention after long research and development through trial and error in order to solve such problems.
  • an object of the present invention is to provide a heterogeneous simple payment code including different types of simple payment codes and a simple payment method using the same.
  • One aspect of the present invention for solving the above problems is a heterogeneous simple payment code having the form of a two-dimensional barcode used for simple payment,
  • a first code that is a simple payment code used in the simple payment service provided by the first simple payment service company.
  • a second code including primary information for using the simple payment service provided by the second simple payment service company
  • the first code and the second code are disposed separately or overlap each other in a specific area inside the heterogeneous easy payment code, and are simultaneously displayed or printed on the display screen,
  • the first code and the second code are two-dimensional barcodes interpreted by different types of decoding modules, they do not affect each other even if they are simultaneously displayed in a specific area, and are independently decoded by their respective decoding modules to execute simple payment. Characteristically, it provides a heterogeneous simple payment code including a high-density barcode that can use a plurality of simple payment services.
  • Another aspect of the present invention is (a) displaying the heterogeneous simple payment code of claim 1, including different simple payment codes used for simple payment service, on a display by a merchant terminal who wants to use simple payment;
  • Another aspect of the present invention is (a) displaying the heterogeneous simple payment code of claim 1, including different simple payment codes used for simple payment service, on a display by a merchant terminal who wants to use simple payment;
  • Another aspect of the present invention is a heterogeneous simple payment code having the form of a two-dimensional barcode used for simple payment,
  • a first code used for the simple payment service provided by the first simple payment service company
  • a second code generated by a high-density barcode method capable of accommodating more information than the first code includes,
  • the first code and the second code are separated from each other and placed in a specific area inside the heterogeneous simple payment code, and are simultaneously displayed or printed on a display screen or an object,
  • the first code and the second code are two-dimensional barcodes interpreted by different types of decoding modules, they do not affect each other even if they are displayed or printed simultaneously in a specific area, and are independently decoded by their respective decoding modules to execute simple payment. Characterized in that, it provides a heterogeneous simple payment code including a high-density barcode that can use a plurality of simple payment services.
  • the second code is:
  • it may be in the form of a two-dimensional high-density barcode, but internally, it may include at least one simple payment code that is used in different simple payment services and interpreted by the decoding module of the corresponding simple payment service.
  • the first code is interpreted by the decoding module provided by the first simple payment service company
  • the simple payment code included in the second code is interpreted by the decoding module provided by the corresponding simple payment service company.
  • simple payment can be made automatically by scanning the heterogeneous simple payment code once using a simple payment application installed in the seller's terminal or buyer's terminal.
  • Another aspect of the present invention is a seller terminal that wants to use simple payment:
  • Another aspect of the present invention is a purchaser terminal that wants to use simple payment:
  • the decoding module of the simple payment service used by the purchaser terminal extracts the simple payment code that it can decode or the information included in the simple payment code from the heterogeneous simple payment code;
  • Another aspect of the present invention is a seller terminal that wants to use simple payment:
  • the decoding module of the simple payment service used by the merchant terminal extracts the simple payment code that it can decode or the information included in the simple payment code from the heterogeneous simple payment code;
  • Another aspect of the present invention is a purchaser terminal that wants to use simple payment:
  • the heterogeneous simple payment code of the present invention has an effect of enabling payment for different simple payment services with one simple payment code.
  • the seller can initiate a simple payment simply by presenting one type of simple payment code to the buyer without having to inquire which company's simple payment code the buyer uses.
  • the buyer does not use the method of finding and scanning the simple payment code of the simple payment service company he/she uses among the plurality of simple payment codes suggested by the seller, but simply scans only one different simple payment code suggested by the seller. You can get a user experience where payment is made.
  • the present invention eliminates the inconvenience caused by various types of simple payment codes provided by different simple payment service companies, and uses a single heterogeneous simple payment code to use the simple payment services of different simple payment service companies. It has a convenient effect.
  • 1 is a diagram showing a preferred embodiment of the heterogeneous simple payment code of the present invention.
  • FIG. 2 is a diagram showing an embodiment in which heterogeneous simple payment codes of the present invention include different simple payment codes.
  • FIG. 3 is a diagram showing an embodiment of a method of decoding information in a heterogeneous simple payment code of the present invention.
  • FIG. 4 is a diagram showing a preferred embodiment of a simple payment method performed using a heterogeneous simple payment code of the present invention.
  • 5 is a diagram showing another embodiment of the heterogeneous simple payment code of the present invention.
  • the heterogeneous simple payment code of the present invention has the form of a 2D barcode used for simple payment, and includes at least two or more different types of 2D barcodes inside. Therefore, it is possible to pay for different simple payment services by using a single heterogeneous simple payment code.
  • the seller had to have a plurality of simple payment codes including seller information. This is because a plurality of simple payment codes provided by different simple payment service companies are not compatible with each other. For example, the seller provides a simple payment code provided by Kakao Pay and a simple payment code provided by Zero Pay, respectively, asks the buyer which simple payment code to use, and then provides the simple payment code the buyer wants to use. I had to go through the hassle of doing it.
  • the heterogeneous simple payment code of the present invention is a single simple payment code containing information of the seller and includes a plurality of simple payment codes provided to the seller by a plurality of different simple payment service companies, these The inconvenience was solved.
  • the simple payment code of the present invention is a single simple payment code containing buyer's information and includes a plurality of simple payment codes provided to buyers by a plurality of different simple payment service companies, this inconvenience occurs. solved the problem
  • 1 is a diagram showing a preferred embodiment of the heterogeneous simple payment code of the present invention.
  • the heterogeneous simple payment code 10 of the present invention may include a first code 20 and a second code 30.
  • the first code 20 is a simple payment code used for the simple payment service provided by the first simple payment service company.
  • the second code 30 is a simple payment code generated by a high-density barcode method capable of accommodating more information than the first code.
  • the second code 30 may be a high-density bar code such as the Voice code of Voice Eye.
  • the first code 20 and the second code 30 are codes that are recognized using a recognition means including an optical means and can be read by a computer.
  • the heterogeneous simple payment code 10 may be a one-dimensional code or a two-dimensional code.
  • the types of codes include various barcode types developed so far (QR CODE, MAXI CODE, PDF417, Data Matrix, Voice Code of Voice Eye Co., Ltd.), and new codes to be created according to technology development in the future.
  • the heterogeneous easy payment code 10 of the present invention is not limited to this, and according to the evolution of technology within the scope of not departing from the core of "it is possible to pay for different simple payment services because it includes different simple payment codes.” Other embodiments may be added.
  • the first code 20 and the second code 30 are disposed separately from each other in a specific area inside the heterogeneous simple payment code, and are simultaneously displayed or printed on a display screen or an object. However, they are not necessarily limited thereto and may be disposed overlapping each other as shown in FIG. 5 .
  • first code 20 and the second code 30 are two-dimensional barcodes interpreted by different types of decoding modules, they do not affect each other even if they are displayed or printed simultaneously in a specific area, and are independently performed by their respective decoding modules. It is decoded and simple payment is executed.
  • Simple payment can be made automatically by scanning a heterogeneous simple payment code once using a simple payment application installed on a seller's terminal or a buyer's terminal.
  • the first code 20 is A simple payment code developed by A simple payment service company
  • the second code 30 is B, C, D simple payment code developed by B, C, D simple payment service companies. Assume that it is a high-density barcode including a payment code.
  • the first code 20 and the second code 30 are codes generated by different 2D barcode types (standards).
  • Different types of 2D barcodes may include QR CODE, MAXI CODE, PDF417, Data Matrix, and voice code of Voice Eye Co., Ltd.
  • the first code 20 is a simple payment code of an unaffiliated simple payment service company to mount the decoding module of the second code 30 .
  • a simple payment app can only decode the type of 2D barcode used by A simple payment service company, among the first code 20 and the second code 30 included in the heterogeneous simple payment code 10, Only the first code 20 is recognized. This is because the second code 30 cannot be decoded, so it is not determined as a two-dimensional bar code. Accordingly, the simple payment app A decodes the first code 20 and executes the simple payment.
  • the easy payment app B recognizes the second code 30 because it is affiliated to mount a decoding module capable of recognizing the second code 30.
  • the B simple payment app decodes the second code 30, it recognizes the B simple payment code provided by itself among the plurality of simple payment codes included therein and executes the simple payment.
  • FIG. 2 is a diagram showing an embodiment in which heterogeneous simple payment codes of the present invention include different simple payment codes.
  • the second code 30 externally has the form of a two-dimensional high-density barcode, but is internally used in different simple payment services and interpreted by the decoding module of the corresponding simple payment service. It may include at least one simple payment code (31, 32, 33).
  • the second code 30 is physically expressed as one code, but when one second code 30 is optically recognized, different simple payment codes 31, 32, and 33 can be extracted. there is.
  • the intermediate process may have several detailed embodiments.
  • the second code 30 of the present invention “includes at least one or more different simple payment codes" in what form and method.
  • the first embodiment may include 1) the simple payment code itself, and the second embodiment may include 2) information contained in the simple payment code or information for accessing it.
  • the first embodiment is a case in which different simple payment codes 31, 32, and 33 themselves are included in the second code 30 in the form of images.
  • the different simple payment codes 31, 32, and 33 themselves can be extracted in the form of images. Since the extracted simple payment codes 31, 32, and 33 themselves are in the form of images, they can be interpreted by the decoding module of the simple payment service company that generated the simple payment code. Therefore, in this embodiment, the seller terminal or buyer terminal that has decoded the second code 30 delivers the extracted simple payment codes 31, 32, 33 to the application of the simple payment service company that generated the corresponding simple payment code. You can proceed with simple payment through the process.
  • the second embodiment is a case where the second code 30 includes information included in the simple payment code or predetermined access information.
  • the information included in the simple payment code means various information required for simple payment.
  • the simple payment code of the MPM method will include seller information
  • the simple payment code of the CPM method will include buyer information.
  • the predetermined access information is information for downloading different simple payment codes (31, 32, 33) or accessing different simple payment codes (31, 32, 33).
  • the seller terminal or the buyer terminal optically recognizes the second code 30, it is automatically connected to a predetermined service server by predetermined access information included in the second code 30, and the corresponding service server is to transmit the stored different simple payment codes (31, 32, 33) to the seller terminal or the buyer terminal.
  • the seller terminal or the buyer terminal may proceed with simple payment through a process of transferring the received simple payment code 31, 32, 33 to an application of the simple payment service company that generated the corresponding simple payment code.
  • FIG. 3 is a diagram showing an embodiment of a method of decoding information in a heterogeneous simple payment code of the present invention.
  • the heterogeneous simple payment code of the present invention may involve two stages of decoding.
  • the reason for distinguishing the first information and the second information extracted through the two-step decoding is that there are cases where a person who creates or provides the heterogeneous simple payment code 10 cannot service the simple payment from start to finish.
  • the simple payment service company B can decode the simple payment code only by using the application provided by the company B.
  • subjects of the first decoding and the second decoding may be different from each other.
  • the first decoding is performed by a service server or application that generates or provides heterogeneous simple payment codes
  • the second decoding is performed by a service server or application with permission or authority from the person who provided the individual simple payment code.
  • first decoding and the second decoding can be performed by a single service server or application according to authorization of various simple payment service companies.
  • the first decoding extracts first information from the heterogeneous simple payment code 10 using the first decoding module.
  • the first decoding may be performed by an application or service server provided by a person who generates or provides the heterogeneous easy payment code 10 .
  • a person who generates or provides the heterogeneous easy payment code 10 may provide a first decoding module capable of decoding the heterogeneous easy payment code 10 . If the first decoding module is an open module that anyone can use, the first decoding can be executed by any application or service server that wants to use it.
  • the first information is information that can be extracted without a separate permission from the simple payment service company among information provided by the simple payment service company.
  • the first information may include the simple payment code described in FIG. 2 .
  • the simple payment code is provided to the seller or buyer and can be used freely after distribution, so it corresponds to the first information that can be extracted without separate permission.
  • the first information may be information included in the simple payment code described above.
  • the first information includes information that can be extracted from the simple payment code without separate permission or authority.
  • the simple payment code is generated as a QR code that anyone can use
  • first information that can be extracted without separate permission or authority from the person who generated or provided the simple payment code (simple payment service company) can be extracted.
  • the second decoding is performed to extract second information that requires the permission or authority of the person who generated or provided the simple payment code (simple payment service company). That is, subjects of the first decoding and the second decoding may be different from each other.
  • the second decoding may be performed by a second decoding module provided by a person who generates or provides the simple payment code (simple payment service company). If the second decoding module is provided to a person who generates or provides heterogeneous simple payment codes, the first decoding and the second decoding may be performed by the same application or service server.
  • the second information is information extracted with the permission or authority of the person who generated or provided the simple payment code (simple payment service company).
  • the second information may include encryption information for preventing easy payment from being stolen.
  • FIG. 4 is a diagram showing a preferred embodiment of a simple payment method performed using a heterogeneous simple payment code of the present invention.
  • the simple payment method of the present invention includes a service server 100, a seller terminal 200, and a buyer terminal 300.
  • the service server 100 is a server that generates or provides heterogeneous simple payment codes 10 .
  • the service server 100 collects at least two simple payment codes provided to buyers or sellers by various simple payment service companies.
  • the service server 100 generates heterogeneous simple payment codes including at least two or more different simple payment codes collected. At this time, the service server 100 generates heterogeneous simple payment codes so that the different simple payment codes can be decoded by the decoding module of the simple payment service company that generated the respective simple payment codes.
  • the seller terminal 200 is a terminal that intends to sell goods or services using simple payment.
  • the buyer terminal 300 is a terminal that wants to purchase goods or services using simple payment.
  • the seller terminal 200 receives the heterogeneous simple payment code 10 from the service server 100.
  • the seller terminal 200 provides the heterogeneous simple payment code 10 to the buyer terminal 300 .
  • the purchaser terminal 300 proceeds with simple payment using the service server 100 or an application provided by the service server 100 .
  • the purchaser terminal 300 receives the heterogeneous simple payment code 10 from the service server 100 .
  • the buyer terminal 300 provides the heterogeneous simple payment code 10 to the seller terminal 200 .
  • the seller terminal 300 proceeds with a simple payment using the service server 100 or an application provided by the service server 100 .
  • a merchant terminal desiring to use simple payment is provided with heterogeneous simple payment codes of the present invention including different simple payment codes used for simple payment services.
  • the seller terminal provides the buyer terminal with a pre-prepared heterogeneous simple payment code regardless of the type of simple payment service used by the buyer.
  • the buyer terminal proceeds with the simple payment process by scanning the heterogeneous simple payment code provided by the seller terminal using the simple payment application they use.
  • the seller terminal checks the payment completion information of the buyer terminal and terminates the simple payment.
  • the buyer terminal that wants to use simple payment activates the simple payment application that the buyer terminal wants to use regardless of the type of simple payment code provided by the seller.
  • the purchaser terminal scans the heterogeneous simple payment code of the present invention provided by the seller using the simple payment application.
  • the decoding module of the simple payment service used by the purchaser terminal extracts the simple payment code that it can decode or the information included in the simple payment code from the heterogeneous simple payment code.
  • the buyer terminal extracts seller identification information from the decoded simple payment code or information contained in the simple payment code, inputs the payment amount through the payment amount input interface, and transfers the seller identification information and the payment amount to the simple payment service.
  • the purchaser terminal can complete the simple payment with only one scan of the heterogeneous simple payment code by using the decoded simple payment code or the information included in the simple payment code.
  • the seller terminal that wants to use simple payment activates the simple payment application that the seller terminal wants to use regardless of the type of simple payment code provided by the buyer.
  • the seller terminal scans the heterogeneous simple payment code of the present invention provided by the buyer using the simple payment application.
  • the decoding module of the simple payment service used by the merchant terminal extracts the simple payment code that it can decode or the information included in the simple payment code from the heterogeneous simple payment code.
  • the seller terminal completes the simple payment using the decoded simple payment code or the information included in the simple payment code.
  • a purchaser terminal that wants to use simple payment is equipped with heterogeneous simple payment codes of the present invention including different simple payment codes used for simple payment services.
  • the buyer's terminal provides the seller's terminal with a pre-prepared heterogeneous simple payment code regardless of the type of simple payment service used by the seller.
  • the buyer terminal checks the payment completion information of the seller terminal and terminates the simple payment.
  • 5 is a diagram showing another embodiment of the heterogeneous simple payment code of the present invention.
  • the heterogeneous simple payment code 10 of the present invention includes a first code 20 and a second code 30.
  • the first code 20 is a simple payment code provided by the first simple payment service company.
  • the second code 30 is a primary code including primary information for requesting a secondary code from the service server.
  • Primary information includes information about the seller.
  • the primary information may include price information on the sale product.
  • the seller terminal displays the heterogeneous easy payment code 10 of FIG. 5 on the display screen of the seller terminal.
  • the first simple payment app recognizes and decodes the first code 20 from the heterogeneous easy payment code 10 to simplify Proceed to payment
  • the first easy payment app does not recognize the second code 30 expressed in a different way as a two-dimensional barcode (because it does not include a decoding module of the second code)
  • the first code and the second code Errors such as recognizing duplicate codes do not occur.
  • the random easy payment app is The second code 30 is recognized and decoded to extract primary information included in the second code 30 . Since the random easy payment app is equipped with a decoding module capable of decoding the second code 30 in advance, there is no problem in recognizing the second code 30 as a two-dimensional barcode.
  • the random easy payment app transmits the primary information to the simple payment service company that provides the random easy payment app (hereinafter referred to as the 'second easy payment service company') and requests a secondary code.
  • the secondary code is a simple payment code used by a simple payment service company (hereinafter referred to as a 'second simple payment service company') that provides a random easy payment app. Since random easy payment apps know who the simple payment service company that created them is, there is no problem in delivering the primary information to the second easy payment service company.
  • the second easy payment service company receives the primary information, generates a secondary code, and delivers it to the seller's terminal.
  • the seller terminal instantaneously deletes the heterogeneous simple payment code 10 and displays the received secondary code on the display screen.
  • the random simple payment app of the buyer terminal proceeds with simple payment by recognizing the secondary code, which is the simple payment code used by it.
  • easy payment is made not only with affiliated simple payment service companies (decoding module is installed in its own simple payment app) but also with non-affiliated simple payment service companies so that the second code 30 can be used. There is an effect that can conclude.
  • the purchaser terminal that wants to use the first code directly uses the first code displayed in the heterogeneous simple payment code to use the simple payment.
  • a purchaser terminal that wants to use a simple payment code other than the first code randomly selects a simple payment app he wants to use, and uses a simple payment using a secondary code displayed at a predetermined time interval.

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  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • General Engineering & Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

La présente invention concerne un code de paiement simple hétérogène ayant une forme de code à barres bidimensionnel utilisé pour un paiement simple. Le code de paiement simple hétérogène comprenant un code à barres à haute densité qui peut être utilisé pour une pluralité de services de paiement simple comprend un premier code utilisé pour un service de paiement simple fourni par une première société de services de paiement simple et un second code généré dans un schéma de code à barres à haute densité qui peut contenir plus d'informations que le premier code, le premier code et le second code étant des codes bidimensionnels interprétés par différents modules de décodage, et n'ayant donc pas d'incidence l'un sur l'autre même s'ils sont affichés ou imprimés ensemble dans une zone spécifique de manière à être décodés indépendamment par chaque module de décodage pour effectuer un paiement simple.
PCT/KR2022/016851 2021-12-14 2022-10-31 Code de paiement simple hétérogène comprenant un code à barres à haute densité utilisable pour plusieurs services de paiement simple et procédé de paiement simple correspondant WO2023113217A1 (fr)

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KR10-2021-0178486 2021-12-14
KR1020210178486A KR102629426B1 (ko) 2021-12-14 2021-12-14 서로 다른 종류의 간편결제코드를 포함하는 이종 간편결제코드 및 이를 이용한 간편결제방법

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KR102647884B1 (ko) * 2023-07-31 2024-03-14 보이스아이 주식회사 고밀도 바코드를 이용한 대면 방식의 일반 전자계약방법

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KR20120087313A (ko) * 2011-01-05 2012-08-07 주식회사 더존넥스트 이미지를 포함하는 2차원 코드 생성 방법 및 시스템
KR20190014223A (ko) * 2017-07-28 2019-02-12 박준영 이종 코드와 결합되는 qr 코드, 및 이를 이용하는 단말기
KR102119144B1 (ko) * 2019-03-25 2020-06-05 (주)한우리아이티 코드 판독 방법
KR102172924B1 (ko) * 2020-01-15 2020-11-02 나이스정보통신주식회사 단일qr코드 기반의 결제 중개 방법 및 이를 위한 시스템

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KR102251368B1 (ko) * 2019-05-29 2021-05-12 주식회사 코밴 통합 qr 결제 방법 및 통합 qr 결제 시스템
KR20200141407A (ko) * 2020-07-24 2020-12-18 조성민 간편 결제를 위한 결제 어플리케이션 호출 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010025201A (ko) * 2000-10-14 2001-04-06 정별진 카드리더기와 그 작동방법
KR20120087313A (ko) * 2011-01-05 2012-08-07 주식회사 더존넥스트 이미지를 포함하는 2차원 코드 생성 방법 및 시스템
KR20190014223A (ko) * 2017-07-28 2019-02-12 박준영 이종 코드와 결합되는 qr 코드, 및 이를 이용하는 단말기
KR102119144B1 (ko) * 2019-03-25 2020-06-05 (주)한우리아이티 코드 판독 방법
KR102172924B1 (ko) * 2020-01-15 2020-11-02 나이스정보통신주식회사 단일qr코드 기반의 결제 중개 방법 및 이를 위한 시스템

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KR20230090227A (ko) 2023-06-21
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CN116263917A (zh) 2023-06-16
KR102629426B1 (ko) 2024-01-25

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