KR101675376B1 - System and method for relaying payment between mobile payment means and off-line payment system - Google Patents

System and method for relaying payment between mobile payment means and off-line payment system Download PDF

Info

Publication number
KR101675376B1
KR101675376B1 KR1020150163439A KR20150163439A KR101675376B1 KR 101675376 B1 KR101675376 B1 KR 101675376B1 KR 1020150163439 A KR1020150163439 A KR 1020150163439A KR 20150163439 A KR20150163439 A KR 20150163439A KR 101675376 B1 KR101675376 B1 KR 101675376B1
Authority
KR
South Korea
Prior art keywords
payment
mobile
terminal
relay
settlement
Prior art date
Application number
KR1020150163439A
Other languages
Korean (ko)
Inventor
이의옥
전우정
지현민
정유정
백정현
Original Assignee
(주)쿠프마케팅
주식회사 한국페이즈서비스
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.)
Filing date
Publication date
Application filed by (주)쿠프마케팅, 주식회사 한국페이즈서비스 filed Critical (주)쿠프마케팅
Priority to KR1020150163439A priority Critical patent/KR101675376B1/en
Application granted granted Critical
Publication of KR101675376B1 publication Critical patent/KR101675376B1/en

Links

Images

Classifications

    • 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
    • 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
    • G06K19/06018—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 one-dimensional coding
    • G06K19/06028—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 one-dimensional coding using bar codes
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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

Landscapes

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

Abstract

The mobile payment means receives the payment relay request from the user terminal equipped with the mobile payment means at the time of relaying the offline payment of the mobile payment means and transmits the identification information of the mobile payment means included in the payment relay request and the identification information of the user, The integrated payment barcode is displayed on the screen of the user terminal. The integrated payment barcode is recognized through the recognition means of the offline payment terminal, It is used as a payment means to replace the payment means.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment relay system and method for relaying an offline payment of a mobile payment means,

The present invention relates to a payment relaying system and method for relaying payment between a mobile payment means and an offline payment system.

With the rapid development of information and communication technologies and the emergence of smart devices, mobile convergence technology is being activated, in which various functions of IT are merged and integrated into one mobile device. Among these mobile convergence technologies, mobile payment services have emerged as services that have existing contact points between e-commerce and various business operators. In recent years, the mobile payment service market is expected to grow further, as handset makers, mobile service providers, portal sites, and IT ventures, as well as existing mobile payment service providers, will be able to provide mobile payment services automatically due to mobile convergence. to be.

In this regard, Korean Patent Laid-Open No. 10-2015-0002067 (entitled " payment service method using an app-type mobile card, terminal and server) refers to user benefit information and event information for each card stored, And transmits the barcode information request message including the card information of the selected card to the server, receives the barcode information for the barcode data request message from the server, and transmits the barcode information corresponding to the received barcode information Discloses a method of generating a barcode to perform merchant payment.

However, in general, a payment terminal of an offline merchant is a method of processing payment by interlocking with a specific VAN company (Value Added Network). Thus, there is a limit in that a payment terminal of an offline merchant is difficult to work with all VAN companies by mobile payment means. Accordingly, there is a need for a method for processing settlement relays for various mobile settlement means providing mobile settlement services in an integrated manner.

An embodiment of the present invention is to provide a payment relaying system and method for relaying payment at an offline merchant through mobile payment means.

It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a payment relay server for relaying an offline payment of a mobile payment means, comprising: a communication module; A memory for storing a payment relay program for generating an integrated payment barcode, which is a payment means for replacing the mobile payment means, installed in the user terminal and providing the integrated payment barcode to the user terminal; And a processor for executing the settlement relay program, wherein, in accordance with the execution of the settlement relay program, the processor transmits, via the communication module, settlement information including identification information of the mobile settlement means and identification information of the user from the user terminal Upon receipt of the relay request, an integrated payment barcode storing payment relay information including a connection address to the payment relay server, identification information of the mobile payment means, and identification information of the user is generated and transmitted to the user terminal.

According to another aspect of the present invention, there is provided a payment relay method for relaying an offline payment of a mobile payment means, comprising: receiving a payment relay request from a user terminal equipped with a mobile payment means; Generating an integrated payment barcode in which identification information of the mobile payment means included in the payment relay request, user identification information, and payment relay information including a connection address to the payment relay server are stored; And transmitting the generated integrated payment barcode to the user terminal, wherein the integrated payment barcode is displayed on a screen of the user terminal and is recognized by the recognition unit of the offline payment terminal, It is used as a means.

According to any one of the above-mentioned objects of the present invention, offline settlement is possible even if the mobile payment means installed in the user terminal is not linked to the predetermined payment system of the offline merchant.

According to any one of the task resolution means of the present invention, by using the integrated payment bar code regardless of the type of the mobile payment means, it can be applied to the offline payment relay processing of all the mobile payment means.

According to any one of the tasks of the present invention, by using a visually recognizable time code as the payment means by using the recognition means generally installed in the off-line payment terminal, it is possible to provide an offline payment terminal It is excellent in applicability.

1 is a configuration diagram of a payment relay system according to an embodiment of the present invention.
2 is a data flow chart for explaining an example of a process of relaying an offline settlement of a mobile settlement means in a settlement relay system according to an embodiment of the present invention.
3 is a data flow chart for explaining another example of a process of relaying an offline settlement of a mobile settlement means in a settlement relay system according to an embodiment of the present invention.
4 is a flowchart illustrating a settlement relay method using a settlement relay server according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

In the following description with reference to the drawings, the same reference numerals will be used to designate the same names, and the reference numerals are merely for convenience of description, and the concepts, features, and functions Or the effect is not limited to interpretation.

Throughout the specification, when an element is referred to as "including" an element, it does not exclude other elements unless specifically stated to the contrary, But do not preclude the presence or addition of one or more of the other features, numbers, steps, operations, elements, parts, or combinations thereof.

1 is a configuration diagram of a payment relay system according to an embodiment of the present invention.

The payment relay system 10 shown in FIG. 1 includes a user terminal 100, a payment relay server 200, and an offline payment terminal 300.

The user terminal 100 is a wireless communication device with guaranteed portability and mobility. The user terminal 100 includes a PCS (Personal Communication System), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC), a Personal Handyphone System (PHS) (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), WiBro Lt; / RTI > based wireless communication device. In an embodiment of the present invention, the user terminal 100 is an intelligent terminal that adds a computer-supporting function such as Internet communication and information search to a portable terminal, and is an intelligent terminal that can install and execute a large number of application programs Let us explain as an example a smartphone.

The user terminal 100 is equipped with a mobile settlement means P100 and transmits a settlement relay request to the settlement relay server 200 to process offline settlement.

At this time, if the mobile payment means (P100) mounted in the user terminal (100) is a kind that can not be paid offline, or is a type that is not linked to an offline payment system of an offline merchant, And requests payment relay to the server 200.

The mobile payment means P100 processes the mobile payment service, and the mobile payment service refers to a payment service such as paying money or transferring funds online or offline using a mobile device such as a smart phone. For example, the mobile payment method P100 may be in various forms, such as a mobile card, a mobile pay application, and an app point card. The mobile card is a payment means for issuing and using a credit card directly on the user terminal 100 in the form of an application without issuing a real card (plastic card or the like). Such a mobile card includes a USIM-type mobile card and an APP-type mobile card. When the user intends to make an offline payment through a mobile card, he / she can input the card information (that is, card number, (I.e., NFC communication and barcode recognition) can be used. The mobile pay application may use a method of registering one or more pieces of user payment means information (for example, credit card information or the like) in advance and processing payment through a payment means selected by the user at the time of payment. Such a mobile pay application does not require direct information on a payment means of a user, and is a payment means for processing a payment in a simple manner according to a predetermined payment approval method (password input, fingerprint recognition, and the like). This mobile pay application can work with the payment system of the registered credit card business to process payment. The mobile payment means P100 is not limited to mobile payment means of the kind described above and may include payment means of various other methods for processing a mobile payment service in cooperation with an on / offline payment system.

The user terminal 100 stores a program (hereinafter referred to as a mobile payment processing program) for performing a predetermined algorithm for payment processing through the mobile payment means. The user terminal 100 graphically displays the user interface provided on the screen as the mobile payment processing program is executed. At this time, the user interface provided through the mobile payment processing program includes an input item from which the user can select " payment relay function ". 1 shows an example in which a payment relay function input item called " offline merchant payment " is displayed on the mobile payment means P100.

The user terminal 100 also stores a program (hereinafter referred to as a " payment relay processing program ") for performing a predetermined algorithm for payment relay processing with the payment relay server 200. [ As the payment relay processing program is executed, the user terminal 100 graphically displays the user interface provided from the payment relay server 200 and displays the graphical user interface. At this time, the user interface provided through the payment relay processing program allows the payment relay server 200 to input information requested by the user, receives the payment means issued from the payment relay server 200 Stored and displayed. At this time, the payment means issued from the payment relay server 200 is a payment means to be used for offline payment in place of the mobile payment means P100.

Specifically, the user terminal 100 executes the mobile payment processing program and the payment relay processing program in cooperation with each other. That is, when the payment relay function is selected through the mobile payment processing program, the user terminal 100 automatically executes the payment relay processing program and transmits a payment relay request to the payment relay server 200. [ The payment relay request includes user identification information for identifying the user, and the user identification information may be collected through a predetermined authentication process (e.g., IPIN authentication, etc.) in the user terminal 100. [ For example, the user identification information may include the telephone number of the user terminal 100, the name of the user, the date of birth, and the like.

The user terminal 100 receives the integrated payment barcode corresponding to the payment relay request from the payment relay server 200 through the payment relay processing program and displays the received integrated payment barcode on the screen. Such an integrated payment bar code is a payment means to replace the mobile payment means, which will be described in detail below.

For reference, the user terminal 100 may call the payment relay processing program in the mobile payment processing program during the initial payment relay processing, and thereafter execute the payment relay processing program itself to perform the payment relay processing. For example, when the user terminal 100 attempts to make a payment with an offline payment terminal using a predetermined payment system that is not linked to the mobile payment means P100 in a state where there is a history of successful payment relay processing at least once, Communication failure or payment failure may occur. At this time, the user terminal 100 may automatically execute a payment relay processing program and send a settlement relay request to the settlement relay server 200 to perform a settlement relay process with the settlement relay server 200. [

The payment relay server 200 is a device for processing payment relay so that payment can be made in the offline payment terminal 300 through the mobile payment means P100 installed in the user terminal 100. [

1, the payment relay server 200 includes a communication module 210, a memory 220, and a processor 230. [

The communication module 210 is a module for processing communication between the settlement relay server 200 and external devices and is connected to the user terminal 100 and the offline payment terminal 300 to transmit and receive data.

A payment relay program for generating an integrated payment barcode, which is a payment means for replacing the mobile payment means P100 installed in the user terminal 100, and providing the generated integrated payment barcode to the user terminal 100, Is stored.

The integrated payment bar code is generated in the form of a time code in which payment relay information is digitally coded. The integrated payment time code may be an image code such as a one-dimensional bar code, a two-dimensional code (for example, a Quick Response (QR) code, a matrix code, a MaxiCode or a color code) Lt; / RTI >

The processor 230 executes a payment relay program stored in the memory 220 and performs processing steps according to the payment relay program.

Specifically, when a payment relay request is received from the user terminal 100 through the communication module 210 according to the execution of the payment relay program, the processor 230 provides the user interface for payment relay to the user terminal 100 do. Through the user interface, the user terminal 100 can receive various user selections required for payment relay, transmit the selected user selection to the settlement relay server 200, and receive the integrated settlement barcode provided from the settlement relay server 300. At this time, the payment relay request includes the identification information of the mobile payment means P100 and the identification information of the user requesting payment relay.

In addition, the processor 230 generates an integrated payment barcode in which the payment relay information based on the payment relay request is stored according to the execution of the payment relay program. The processor 230 transmits the generated integrated payment barcode to the user terminal 100 and displays the integrated payment barcode on the screen of the user terminal 100. At this time, the integrated payment barcode stores settlement relay information including a connection address for connection to the settlement relay server 200 and settlement information included in the settlement relay request. In addition, the processor 230 may store various kinds of information according to the created integrated payment barcode, and may later use the integrated payment barcode as a basic data for authentication processing and settlement processing according to payment relay.

Meanwhile, the payment relay server 200 may request payment approval from the offline payment terminal 300 by using the integrated payment barcode of the user terminal 100 after issuing the integrated payment barcode to the user terminal 100. [ At this time, the processor 230 receives an approval request including the payment relay information stored in the integrated payment bar code from the offline payment terminal 100 through the communication module 210 according to the execution of the payment relay program. The processor 230 performs an authentication process for the integrated payment bar code requested for approval, inquires whether the integrated payment bar code is normal or not, and transmits the approval result to the offline payment terminal 300. At this time, the approval request for the integrated payment bar code from the offline payment terminal 300 is transmitted using the connection address obtained by the offline payment terminal 300 by scanning the integrated payment bar code through the recognition means 310. [

In addition, after the payment relay server 200 transmits the approval result for the integrated payment barcode to the offline payment terminal 300, the payment relay server 200 receives the result of the payment processing using the approved integrated payment barcode from the offline payment terminal 300 . At this time, when the processor 230 receives the settlement completion corresponding to the approval result from the off-line payment terminal 300 through the communication module 210, the processor 230 transmits the usage amount information (i.e., the amount paid by the user) And identification information of the mobile payment means P100 included in the approval request. The processor 230 transmits the settlement processing information to the settlement processing system linked to the mobile settlement means P100 in advance based on the identification information of the mobile settlement means P100. The payment processing information includes payment relay information and usage amount information. For reference, the payment relay server 200 is linked with a payment processing system of a plurality of mobile payment means in advance. At this time, the payment processing system of the mobile payment means includes a payment system of a mobile payment service provider or a payment system of a payment means (i.e., credit card, etc.) for processing an actual payment.

In addition, the processor 230 may deactivate the integrated payment barcode for which settlement processing has been completed. At this time, the processor 230 may transmit a command to process the integrated payment barcode, which has been issued to the user terminal 100 through the user interface, to be inactive after receiving the payment completion from the offline payment terminal 300. Accordingly, the integrated payment barcode stored in the user terminal 100 or displayed on the screen can be deactivated.

The offline payment terminal 300 means a payment terminal installed at an offline merchant providing a product (goods and services, etc.) to be purchased by the user. The offline payment terminal 300 is a device equipped with a recognition means 310 capable of scanning and recognizing a visual code obtained by digitally encoding arbitrary information. In an embodiment of the present invention, it is assumed that the offline payment terminal 300 is a POS (Point Of Sale) terminal installed at an offline merchant. In general, the POS terminal processes settlement through a specific settlement system. Such a settlement system may be a settlement agency system operated by a VAN provider (VAN company). For reference, VAN is classified as a firm banking network operator connecting a bank and a company, and a credit card network operator connecting a card company and an affiliate.

The offline settlement terminal 300 performs the settlement processing through a predetermined payment system (i.e., VAN company or the like) at the time of general settlement (i.e., settlement with the mobile settlement means interlocked with the settlement system of the user). In this case, if the destination address information is included in the time code recognized through the recognition unit 310, the off-line payment terminal 300 according to an embodiment of the present invention may not connect to the destination address And processes the settlement. That is, when the offline settlement terminal 300 recognizes the integrated settlement barcode through the recognition means 310, the offline settlement terminal 300 preferentially accesses the settlement relay server 200 according to the " access information to the settlement relay server " And processes the settlement.

Specifically, the offline payment terminal 300 scans the integrated payment barcode displayed on the screen of the user terminal 100 presented by the user through the recognition unit 310. [ Then, the offline payment terminal 300 transmits the payment relay information stored in the recognized integrated payment barcode to the payment relay server 200 to request approval, and receives the approval result corresponding to the approval request from the payment relay server 200 And processes the settlement.

The offline settlement terminal 300 has a settlement completion message including information (hereinafter referred to as " usage amount information ") of the amount used for settlement processed by the integrated settlement barcode And transmits the information to the payment relay server 200. After settlement processing between the settlement relay server 200 and the offline settlement terminal 300 is completed, the settlement system of the settlement server 200 and the settlement system of the mobile settlement means P100 System) can be performed.

2 and 3, in the payment relay system 10 according to the embodiment of the present invention, the payment relay server 200 repeats settlement between the user terminal 100 and the offline payment terminal 300 Will be described in detail.

FIG. 2 and FIG. 3 are data flow charts for explaining an example of a process of relaying an offline settlement of a mobile settlement means in a settlement relay system according to an embodiment of the present invention.

First, FIG. 2 explains a payment relay process when a user wishes to use a point as a mobile payment means (P100). At this time, a point to be used for settlement may be a point accumulated in a credit card registered in the mobile payment means P100. In this case, the point may be a predetermined amount of usage limit.

The user terminal 100 transmits a payment relay request including the point amount information to be used to the payment relay server 200 (S201).

At this time, after the user terminal 100 transmits the payment relay request including the identification information of the mobile payment means P100 and the identification information of the user, the user terminal 100 inputs the point amount through the user interface provided by the payment relay server 200 It is also possible to do.

The payment relay server 200 generates an integrated payment barcode corresponding to the payment relay request, and generates an integrated payment barcode in which the charging amount corresponding to the point amount requested from the user terminal 100 is stored (S202).

At this time, settlement relay information including identification information of the mobile settlement means P100, identification information of the user, connection address to the settlement relay server 200, and charge amount is stored in the integrated settlement barcode.

Then, the payment relay server 200 transmits the created integrated payment barcode to the user terminal 100 (S203).

The user terminal 100 displays the received integrated payment barcode on the screen and presents it to the offline payment terminal 300 (S204).

The offline payment terminal 300 recognizes the presented integrated payment barcode through the recognition means 310 provided therein (S205) and transmits the integrated payment barcode to the payment relay server 200 using the connection address stored in the integrated payment barcode (S206).

At this time, the approval request includes the payment relay information stored in the integrated payment bar code.

Accordingly, the payment relay server 200 authenticates whether the integrated payment bar code requested for approval is normal (S207), and transmits the approval result of the authentication processing to the offline payment terminal 300 (S208).

The offline settlement terminal 300 performs settlement processing using the approved integrated settlement barcode (S209).

At this time, the off-line payment terminal 300 performs a payment process using the charge amount stored in the integrated payment bar code.

The offline settlement terminal 300 transmits the settlement completion information according to the completion of the settlement processing to the settlement relay server 300 in step S210 and the settlement relay server 300 transmits the settlement processing result notification to the user terminal 100 (S211).

After the step S210, the settlement relay server 300 can transmit settlement processing information to the settlement processing system of the mobile settlement means P100 linked in advance and perform settlement processing.

At this time, the payment processing information may include payment relay information and usage point amount information.

Next, FIG. 3 illustrates a payment relay processing process in the case where the user desires to use a payment means such as a credit card as the mobile payment means (P100).

The user terminal 100 transmits a settlement relay request for using the mobile settlement means P100 for off-line settlement to the settlement relay server 200 (S301).

At this time, the user terminal 100 transmits a payment relay request including the identification information of the mobile payment means P100 and the identification information of the user.

The payment relay server 200 generates an integrated payment barcode corresponding to the payment relay request (S302).

At this time, payment information including identification information of the mobile payment means (P100), identification information of the user, and connection address to the payment relay server (200) is stored in the integrated payment bar code.

Then, the payment relay server 200 transmits the generated integrated payment barcode to the user terminal 100 (S303).

The user terminal 100 displays the received integrated payment barcode on the screen and presents it to the offline payment terminal 300 (S304).

The offline payment terminal 300 recognizes the presented integrated payment barcode through the recognition means 310 provided therein and transmits the integrated payment barcode to the payment relay server 200 using the connection address stored in the integrated payment barcode (S306).

At this time, the approval request includes the payment relay information stored in the integrated payment bar code.

In step S307, the payment relay server 200 authenticates the authenticated integrated payment bar code and transmits a payment method confirmation request to the user terminal 100 for the authenticated integrated payment bar code in step S308.

The payment method confirmation request is a request for a user to select a prepayment amount or a settlement amount for the payment amount.

In response to the payment method confirmation request, the user terminal 100 returns the payment method selected by the user to the payment relay server 200 (S309).

At this time, the user terminal 100 can input the payment method selected by the user through the user interface provided by the payment relay server 200.

The payment relay server 200 transmits an approval result including the payment method returned from the user terminal 100 to the offline payment terminal 300 (S310).

The offline settlement terminal 300 performs settlement processing using the approved integrated settlement barcode (S311).

Then, the offline payment terminal 300 transmits the settlement completion information corresponding to the completion of the settlement processing to the settlement relay server 300 (S312). Accordingly, the settlement relay server 300 notifies the settlement processing result notification to the user terminal 100 (S313).

At this time, after the step S312, the settlement relay server 300 may transmit the settlement processing information to the settlement processing system of the mobile settlement means P100 linked in advance and perform settlement processing.

At this time, the payment processing information may include payment relay information and usage amount information.

Hereinafter, referring to FIG. 4, the payment relay server 200 according to an exemplary embodiment of the present invention relays the payment to the offline payment terminal 300 using the mobile payment means P100 of the user terminal 100 The payment relay method will be described in detail.

4 is a flowchart illustrating a settlement relay method using a settlement relay server according to an embodiment of the present invention.

First, a payment relay request is received from a user terminal equipped with a mobile payment means (S410).

In operation S420, an integrated payment barcode storing identification information of the mobile payment means included in the payment relay request, user identification information, and payment relay information including a connection address to the payment relay server is generated.

At this time, the integrated payment barcode is used as a payment means to replace the mobile payment means.

When the payment settlement request further includes the point amount of the mobile payment means, the integrated payment barcode in which the charge amount corresponding to the point amount is further stored can be generated.

Next, the generated integrated payment barcode is transmitted to the user terminal (S430).

At this time, the integrated payment barcode transmitted to the user terminal is displayed on the screen of the user terminal, and is recognized through the recognition means of the offline payment terminal as the user presents it for payment.

Next, an approval request including the payment relay information stored in the integrated payment barcode is received from the offline payment terminal (S440).

The approval request is transmitted using the access address included in the integrated payment barcode recognized by the offline payment terminal.

Next, the integrated payment bar code is authenticated and the approval result is transmitted to the offline payment terminal (S450).

At this time, after the step S440, a payment method confirmation request for requesting a user to select a prepayment or a post-payment may be transmitted to the user terminal, and a payment method reply may be received from the user terminal. In addition, the step S450 may transmit the approval result further including the payment method included in the payment method reply to the offline payment terminal.

Next, after receiving the payment completion information corresponding to the approval result from the off-line payment terminal (S450) after the step S450 (S460), the payment processing information is transmitted to the payment processing system of the mobile payment means, (S470). For reference, payment processing information may be transmitted to the payment processing system detected based on the identification information of the mobile payment means.

At this time, when payment is processed by the point of the mobile payment means, payment processing information including usage point information and payment relay information according to the point amount stored in the integrated payment bar code may be transmitted.

When payment means is used as the mobile payment means, the payment completion information received from the offline payment terminal includes the payment amount information that has been processed. Based on this, payment processing information including payment relay information and usage amount information can be transmitted.

The method of relaying the offline payment of the mobile payment means according to an embodiment of the present invention described above can also be implemented in the form of a recording medium including instructions executable by a computer such as a program module executed by a computer have. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium can include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism. While the methods and systems of the present invention have been described in connection with specific embodiments, some or all of those elements or operations may be implemented using a computer system having a general purpose hardware architecture.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

10: Payment relay system
100: User terminal
200: Payment relay server
300: Off-line payment terminal

Claims (11)

A payment relay server for relaying an offline payment of a mobile payment means,
Communication module;
A memory for storing a payment relay program for generating an integrated payment barcode, which is a payment means for replacing the mobile payment means, installed in the user terminal and providing the integrated payment barcode to the user terminal; And
And a processor for performing the payment relay program,
When the mobile terminal receives a payment relay request including the identification information of the mobile payment means and the user identification information from the user terminal through the communication module according to the execution of the payment relay program, , The mobile payment means generates the integrated payment barcode storing the payment relay information including the identification information of the mobile payment means and the identification information of the user and transmits the integrated payment barcode to the user terminal, And when receiving an approval request including the payment relay information stored in the integrated payment bar code from the offline payment terminal through the communication module, generates the integrated payment bar code, In this case, By performing the processing, and transmits the approval result to the off-line payment terminal,
The integrated payment bar code is displayed on the screen of the user terminal and is recognized as a recognition means of an offline payment terminal and used as a payment means for replacing the mobile payment means,
The payment relay request received from the user terminal is transmitted by automatically executing the payment relay processing program installed in the user terminal when communication failure or payment failure occurs due to the payment attempt to the offline payment terminal through the user terminal ,
The offline payment terminal in which the communication failure or payment has failed is to use a payment system not linked to the mobile payment means,
Wherein the approval request is transmitted using the access address by recognizing the integrated payment barcode outputted on the screen of the user terminal through the recognition means having the offline payment terminal.
delete delete The method according to claim 1,
The processor comprising:
The method comprising: transmitting a payment method confirmation request for requesting a user to select a prepayment or a postpayment payment to the user terminal upon receipt of the approval request, and further including a payment method returned from the user terminal in response to the payment method confirmation request And transmits the approval result to the offline payment terminal.
The method according to claim 1,
The processor comprising:
And a settlement processing system including a settlement processing system of the mobile settlement means linked in advance based on the identification information of the mobile settlement means, when settlement completion including the usage amount information is received from the offline settlement terminal through the communication module, And transmits the settlement processing information to the client terminal,
The payment processing information includes:
The payment relay information, and the usage amount information.
The method according to claim 1,
Wherein the mobile payment means comprises:
An application card, a mobile pay application, and an app point card.
A settlement relay method for relaying an offline settlement of a mobile settlement means through a settlement relay server,
Receiving a payment relay request from a user terminal equipped with mobile payment means;
Generating an integrated payment barcode in which identification information of the mobile payment means included in the payment relay request, user identification information, and payment relay information including a connection address to the payment relay server are stored;
Transmitting the generated integrated payment barcode to the user terminal;
Receiving an approval request including payment relay information stored in the integrated payment bar code from the offline payment terminal;
Performing authentication processing on the integrated payment bar code; And
And transmitting an approval result according to the authentication processing result to the offline payment terminal,
Wherein the step of generating the integrated payment barcode further comprises the step of generating the integrated payment barcode further storing the charging amount corresponding to the point amount when the payment amount of the mobile payment means is further included in the payment relay request,
The integrated payment bar code is displayed on the screen of the user terminal and is recognized as a recognition means of an offline payment terminal and used as a payment means for replacing the mobile payment means,
The payment relay request received from the user terminal is transmitted by automatically executing the payment relay processing program installed in the user terminal when communication failure or payment failure occurs due to the payment attempt to the offline payment terminal through the user terminal ,
The offline payment terminal in which the communication failure or payment has failed is to use a payment system not linked to the mobile payment means,
Wherein the approval request is transmitted using the connection address included in the integrated payment bar code recognized by the offline payment terminal.
delete delete 8. The method of claim 7,
After receiving the authorization request,
Transmitting a payment method confirmation request for requesting the user terminal to select a user for prepayment or postpayment; And
Further comprising receiving a payment method reply corresponding to the payment method confirmation request from the user terminal,
Wherein the approval result further includes a payment method included in the payment method reply.
8. The method of claim 7,
After the step of transmitting the approval result to the offline payment terminal,
Receiving payment completion information including usage amount information corresponding to the approval result from the offline payment terminal; And
Further comprising the step of transmitting the payment processing information to the payment processing system of the mobile payment means linked in advance based on the identification information of the mobile payment means,
The payment processing information includes:
The payment relay information, and the usage amount information.
KR1020150163439A 2015-11-20 2015-11-20 System and method for relaying payment between mobile payment means and off-line payment system KR101675376B1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020150163439A KR101675376B1 (en) 2015-11-20 2015-11-20 System and method for relaying payment between mobile payment means and off-line payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020150163439A KR101675376B1 (en) 2015-11-20 2015-11-20 System and method for relaying payment between mobile payment means and off-line payment system

Publications (1)

Publication Number Publication Date
KR101675376B1 true KR101675376B1 (en) 2016-11-17

Family

ID=57542153

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020150163439A KR101675376B1 (en) 2015-11-20 2015-11-20 System and method for relaying payment between mobile payment means and off-line payment system

Country Status (1)

Country Link
KR (1) KR101675376B1 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190142020A (en) * 2018-06-15 2019-12-26 나이스페이먼츠 주식회사 Server for services that support integrated mobile easy payment
KR102106158B1 (en) * 2019-11-11 2020-04-29 주식회사 엔브이컴퍼니 Method for providing total payment service using qrchain-code integrated by blockchain based qr-chain
KR20200137144A (en) * 2019-05-29 2020-12-09 주식회사 코밴 Integrated qr payment method and integrated qr payment system

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20030073453A (en) * 2002-03-11 2003-09-19 주식회사 이페이젠 Electric Payment system and method for working the same
KR20120114609A (en) * 2011-04-07 2012-10-17 주식회사 한국사이버결제 Authentication code based payment method using mobile terminal
KR20140067882A (en) * 2012-11-27 2014-06-05 브이피 주식회사 Payment method and payment relay system using identifying information generated in the terminal

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20030073453A (en) * 2002-03-11 2003-09-19 주식회사 이페이젠 Electric Payment system and method for working the same
KR20120114609A (en) * 2011-04-07 2012-10-17 주식회사 한국사이버결제 Authentication code based payment method using mobile terminal
KR20140067882A (en) * 2012-11-27 2014-06-05 브이피 주식회사 Payment method and payment relay system using identifying information generated in the terminal

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190142020A (en) * 2018-06-15 2019-12-26 나이스페이먼츠 주식회사 Server for services that support integrated mobile easy payment
KR102104131B1 (en) * 2018-06-15 2020-05-26 나이스페이먼츠 주식회사 Server for services that support integrated mobile easy payment
KR20200137144A (en) * 2019-05-29 2020-12-09 주식회사 코밴 Integrated qr payment method and integrated qr payment system
KR102251368B1 (en) * 2019-05-29 2021-05-12 주식회사 코밴 Integrated qr payment method and integrated qr payment system
KR102106158B1 (en) * 2019-11-11 2020-04-29 주식회사 엔브이컴퍼니 Method for providing total payment service using qrchain-code integrated by blockchain based qr-chain

Similar Documents

Publication Publication Date Title
US20200065804A1 (en) Mobile commerce payment system
KR101516773B1 (en) Payment system using barcode and method thereof
US9965795B2 (en) Automatic tab payment from a user device
US8200260B2 (en) Systems and methods for processing purchase transactions between mobile phones
US20220343298A1 (en) System and method for third party payment at point of sale terminals
US11410146B2 (en) Order processing
US20150134538A1 (en) Application for using mobile communication terminal as payment terminal, and application service provider system and method
CN109801051B (en) Resource transfer method, system, server and computer readable storage medium
US10664819B1 (en) Systems and methods for associating a mobile device with a point of sale terminal
CN111565183B (en) Cross-system business operation execution method, business platform and target system
CN104574057A (en) Online payment method and related equipment and system
KR20140033364A (en) Barcode checkout at point of sale
US20170293982A1 (en) Methods and apparatus for processing a purchase
KR101675376B1 (en) System and method for relaying payment between mobile payment means and off-line payment system
JP2017513167A (en) Remote transaction system, method and POS terminal
US20180005210A1 (en) Secure universal two-step payment authorization system
CN104680368A (en) Method and system for obtaining order by near-field card-free payment
CN108446905B (en) Payment method and device and electronic equipment
KR20130140288A (en) Method for credit card payment using smart phone and computer readable storage medium
US11093998B2 (en) Messaging system, method, and manufacture
CN105575014A (en) Communication method of intelligent POS terminal and intelligent POS terminal
KR20150107125A (en) The Business Method and the system, which creates the profits in using the dedicated internet site for the URL-NFC card.
KR101855312B1 (en) Method of donating and integrated donation server performing the same
US20220156710A1 (en) Recurring and event triggered payment methods
US20220351180A1 (en) Computer Implemented System and Method for Touchless Parking Entry, Payment, and Exit from Parking Facility, and Computer-Readable Medium Having Processor-Executable Instructions For Same

Legal Events

Date Code Title Description
AMND Amendment
AMND Amendment
X701 Decision to grant (after re-examination)
GRNT Written decision to grant
N231 Notification of change of applicant