KR20120016796A - Financial payment service system, user terminal and method therefor - Google Patents

Abstract

PURPOSE: A financial payment service system is provided to improve the convenience of a user by using seller account information and credit card member store information. CONSTITUTION: A code acquisition unit(110) captures an image code including sales price information and seller account information. A code recognition unit(120) recognizes the seller account and the sales account information from the image code. A payment information creation unit(140) creates payment information including the seller account and the sales account. A communication module(150) transmits the payment information to a financial agency server.

Description

Financial payment service system, user terminal and method for the same {Financial payment service system, user terminal and method for the same}

The present invention relates to a financial settlement service system, a user terminal and a method thereof, and more particularly, to a financial settlement service system using an image code, a user terminal and a method for the same.

Many products are advertised and sold through internet shopping malls, TV home shopping, and flyers. In order to purchase products advertised through such various advertising media, consumers call a counselor's phone number or an automatic ordering phone number to order a product, or access an Internet sales site to order a product and perform a payment procedure. At this time, consumers should enter the code of the ordered product and enter the account number, credit card number, password, etc. for payment.

You can make a call to an agent or automatic order call to purchase a product, wait for a call to arrive, enter a code and quantity for your order, account number, credit card number, password for payment, etc. The input process causes considerable inconvenience and waste of time for consumers. In addition, in order to obtain detailed information about the product, the consumer has to contact a counselor or find detailed information of the product through the Internet.

Meanwhile, with industrialization, barcodes are used for fast and accurate input of information. There is a limit to the amount of information that can be represented by a bar code, and recently 2D bar codes with increased information amount compared to areas have been used. Bar codes, 2D barcodes, etc. are called image codes. Currently, 2D barcodes standardized by the International Organization for Standardization (ISO) include QR codes, data matrices, maxi codes, PDF-417, and the like.

These image codes are used in various fields such as factory automation, logistics tracking, identity verification, and defense.

While there are suggestions on how to obtain product information quickly and accurately by loading product information on image codes, it is still inconvenient for consumers to enter account numbers, credit card numbers, and passwords for payment. It is causing.

The technical problem to be solved by the present invention is to provide a financial settlement service system, a user terminal and a method therefor that can more easily perform the financial settlement process using an image code.

A user terminal for a financial settlement service that stores user information including at least one of a user account and user credit card information according to an embodiment of the present invention captures an image code including a seller account and sales amount information. A code acquisition unit, a code recognition unit recognizing the seller account and the sale amount information from the image code, a payment information generation unit generating payment information including the seller account and the sale amount, and the payment information at a financial institution It includes a communication module for transmitting to the server.

The payment information may be cash payment information indicating the transfer of the sale amount from the user account to the seller account.

The image code may further include card merchant information of a seller, and the payment information may be credit payment information indicating credit payment of the sale amount to a user credit card corresponding to the card merchant of the seller.

The image code may be a 2D barcode.

The code acquiring unit may include a photographing unit which photographs the image code by imaging, and a memory that stores the photographed image code.

The code recognizing unit may recognize any one of an image code photographed by the photographing unit or an image code stored in the memory.

According to another aspect of the present invention, a financial settlement service system includes a user terminal which photographs an image code of a product to obtain a seller account and sales amount information, and generates payment information including the seller account and the sales amount information, and It includes a financial institution server for payment processing of the sale amount in accordance with the payment information received from the user terminal.

The image code may be a seller image code generated by a seller and including the seller account and the sale price information.

The payment information may further include user account information, and may be cash payment information indicating an account transfer of the selling amount from the user's account to the seller's account.

The image code may further include card merchant information of a seller, and the payment information may be credit payment information indicating credit payment of the sale amount to a user credit card corresponding to the card merchant of the seller.

The image code may be a producer image code generated by a producer and containing product information of the product.

The commodity information may include a commodity unique number, and may further include a commodity management server managing matching the commodity number with the seller account and the selling price information.

The user terminal may transmit the product information included in the producer image code to the product management server, and the product management server may transmit the seller account and the sale price information to the user terminal.

According to another embodiment of the present invention, a financial settlement service method includes recognizing an image code including a seller account and sales amount information, generating payment information including the seller account and the sale amount information, and the payment. And transmitting information to a financial institution server, and processing the sale price according to the payment information at the financial institution server.

The image code may be a seller image code generated by a seller and including the seller account and the sale price information.

The payment information may further include user account information, and may be cash payment information indicating an account transfer of the selling amount from the user's account to the seller's account.

The financial institution server may process the payment by transferring the sale amount from the user account to the seller account.

The image code may further include card merchant information of a seller, and the payment information may be credit payment information indicating credit payment of the sale amount to a user credit card corresponding to the card merchant of the seller.

The image code may be a producer image code generated by a producer and containing product information of the product.

Transmitting the merchandise information included in the producer image code to a merchandise management server managing the merchandise account and the sale amount information, and receiving the seller account and the sale amount information from the merchandise management server. It may include.

The user can more easily purchase and pay for the goods using the account information of the seller, credit card merchant information, etc. included in the image code.

1 is a block diagram illustrating a financial settlement service system according to an embodiment of the present invention.
2 is a block diagram illustrating a user terminal for a financial settlement service according to an embodiment of the present invention.
3 is a flowchart illustrating a financial settlement service method according to an embodiment of the present invention.
4 is a flowchart illustrating a financial settlement service method according to another embodiment of the present invention.
5 is a block diagram illustrating a financial settlement service system according to another embodiment of the present invention.
6 is a flowchart illustrating a financial settlement service method according to another embodiment of the present invention.
7 is a flowchart illustrating a financial settlement service method according to another embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention.

In addition, in the various embodiments, components having the same configuration are represented by the same reference symbols in the first embodiment. In the other embodiments, only components different from those in the first embodiment will be described .

In order to clearly describe the present invention, parts irrelevant to the description are omitted, and like reference numerals designate like elements throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

1 is a block diagram illustrating a financial settlement service system according to an embodiment of the present invention.

Referring to FIG. 1, a financial settlement service system includes a user terminal 10 generating payment information using an image code and a financial institution server 20 that processes payment of a sales amount according to payment information transmitted from the user terminal 10. ).

The image code may be a seller image code generated by the seller 30. The seller 30 includes an online shopping mall such as an internet shopping mall, a TV home shopping, and an offline store. The seller image code may be displayed on a screen of an internet shopping mall, TV home shopping, or attached to a product sold in an offline store. The seller image code includes product information, production information, and sales information. The product information includes information such as product type, product name, product identification number, and the like. Production information includes information such as producer identification number, production region, manufacturing date, expiration date. The sales information includes information such as the seller's unique number, the seller's card merchant, the sales weight, the seller's account, and the sales amount.

Alternatively, the seller image code may be provided separately from the producer image code in which product information or production information is recorded, attached to a product, or displayed on a screen of an internet shopping mall or TV home shopping. In this case, the seller image code includes seller information such as a seller unique number, a seller card merchant, a seller account, and a sale amount.

The image code may include a parity bit for checking an error in a code recognition process and an information bit in which predetermined information is recorded. Product information, production information, sales information and the like may be recorded in the information bits of the image code. As the image code, a QR code, a data matrix, a maxi code, a PDF-417, a color code, an icon lab code, or the like may be used. The image code may be directly attached to the product of the offline store or printed on the package of the product or a leaflet of the product. The image code may be displayed on the screen of an online shopping mall such as an internet shopping mall or TV home shopping.

As the user terminal 10, a mobile phone, a personal digital assistant (PDA), a smart phone, or the like capable of photographing and recognizing an image code may be used. The user terminal 10 stores user information including a user name, user account information, user credit card information, credit card expiration date, user authentication number, user address, and the like. The user terminal 10 may include a Universal Subscriber Identity Module (USIM) card in which subscriber information, network information, authentication information, and the like are recorded, and the user information may be stored in the USIM card. The user terminal 10 connects to the financial institution server 20 or the like using the authentication information stored in the USIM card as necessary. The user terminal 10 may obtain and store user information such as user account information and user credit card information from the financial institution server 20. Alternatively, user information including a user name, user account information, user credit card information, credit card expiration date, user authentication number, user address, and the like may be stored in the user terminal 10 in advance by a user input.

The user terminal 10 recognizes the image code, generates payment information using the information and user information included in the image code, and transmits the generated payment information to the financial institution server 20. That is, the payment information is composed of information included in the seller image code and user information stored in the user terminal 10.

The payment information includes at least one of cash payment information using account transfer from the user account to the merchant account and credit payment information using the user's credit card. The cash payment information may include seller account information, sales amount, user account information, user authentication number, user address, and the like. The credit settlement information may include a merchant card merchant, user credit card information, credit card expiration date, user authentication number, user address, and the like.

The user terminal 10 may use a payment information generation application for generating cash payment information or credit payment information. The payment information generation application requests user account information, user credit card information, etc. by accessing the financial institution server 20 through the network based on the public certificate stored in the user terminal 10, and transfers the information from the financial institution server 20. User account information, user credit card information, etc., may be stored. That is, the user terminal 10 may request the user account information, the user credit card information, etc. by accessing the financial institution server 20 based on the accredited certificate. The user terminal 10 may receive and store user account information, user credit card information, etc. from the financial institution server 20, and generate payment information using the same.

Financial institutions operating the financial institution server 20 include banks, card companies, securities companies, insurance companies, etc. that operate financial assets. The financial institution server 20 records information on the account opened to the user, and receives payment information from the user terminal 10 to perform cash payment or credit payment for the sales amount. That is, the cash settlement information instructs the transfer of the selling amount from the user account registered in the financial institution server 20 to the seller account. The credit settlement information instructs the credit settlement of the sales amount to the user credit card corresponding to the merchant card merchant. The financial institution server 20 transmits a payment result for cash payment or credit payment to the user terminal 10 and the seller 30.

The user may check the payment result to check whether a cash payment or a credit payment for the product to be purchased is properly performed. The seller 30 may check the payment result to confirm whether the product is ordered or paid. The offline store may check the payment result and hand over the product to the user, and the online shopping mall may check the user's address in the payment result and deliver the product.

In the financial settlement service system according to an exemplary embodiment of the present invention, when the user terminal 10 photographs a seller image code or selects a stored seller image code, the user terminal 10 sells a seller account included in the seller image code, and sells it. Using the amount information and the user credit card information stored in the user terminal 10 and the like to generate cash payment information or credit payment information to the financial institution server 20, the financial institution server 20 according to the payment information Transfer the sale amount from the account to the seller account or perform a credit settlement of the sale amount.

As such, by photographing the image code of the product that the user wants to purchase, the order and the order of the product at once without performing the process of entering the merchant account number, user credit card number, user authentication number, user address, etc. for payment Payment is possible.

2 is a block diagram illustrating a user terminal for a financial settlement service according to an embodiment of the present invention.

Referring to FIG. 2, the user terminal 10 includes a code acquisition unit 110, a code recognition unit 120, a code protocol storage unit 130, a payment information generation unit 140, a communication module 150, and a display unit. 160 and the control unit 170.

The code acquiring unit 110 includes a photographing unit 111 for capturing and imaging an image code and a memory 112 for storing the image code. The photographing unit 111 photographs the image code and transmits the image of the photographed image code to the code recognition unit 120. The photographing unit 111 may transfer the photographed image code to the memory 112. The memory 112 stores the photographed image code, and transmits the stored image code to the code recognition unit 120. That is, the code obtaining unit 110 transmits the image code captured by the photographing unit 111 or the image code stored in the memory 112 to the code recognizing unit 120 under the control of the controller 170.

The code recognition unit 120 decodes the image code to recognize the information included in the image code. The code protocol storage unit 130 stores various types of protocols for decoding image codes, and the code recognition unit 120 decodes various types of image codes using protocols stored in the code protocol storage unit 130. can do. The code recognition unit 120 performs error correction using the parity bits of the image code, and recognizes product information, production information, sales information, and the like included in the information bits. That is, the code recognition unit 120 includes a product type included in the image code, a product name, a product unique number, a producer unique number, a production area, a manufacturing date, an expiration date, a seller unique number, a sales weight, a merchant card merchant, a seller account, Recognize information such as sales amount.

On the other hand, the image code does not have to include all of the product information, production information, sales information. For example, if the image code is a producer image code generated by a producer instead of a seller, the producer image code may include only product information and production information, and may not include sales information. In this case, the code recognition unit 120 includes necessary information (eg, seller account information not included in the image code, sales amount, etc.) from the product management server managing information on the product through the communication module 150. Sales information) can be obtained. Detailed description thereof will be described later.

The code recognizer 120 transmits the information recognized by the image code and / or the information obtained from the product management server to the controller 170. The information recognized by the image code and the information obtained from the product management server are called product management information. The controller 170 transmits and displays the product management information to the display 160. The user may check the product management information displayed on the display unit 160 and select whether to proceed with the payment. The controller 170 transmits the payment information generation unit 140 according to the user's command. The controller 170 controls the code recognizing unit 120 to selectively transmit any one of the image code captured by the code obtaining unit 110 and the image code stored in the memory 112 according to a user's command.

The code recognition unit 120 transmits the product management information to the payment information generation unit 140.

The payment information generation unit 140 stores user information including a user name, user account information, user credit card information, credit card expiration date, user authentication number, user address, and the like. The payment information generation unit 140 generates payment information including product management information and user information transmitted from the code recognition unit 120. In this case, the payment information generation unit 140 may generate payment information by checking whether the payment progressed from the control unit 170 is in progress. The payment information may be cash payment information indicating a transfer of a sale amount from a user account registered to a financial institution server to a seller account, or credit payment information indicating a credit payment of the sale amount. The payment information generation unit 140 transmits the generated payment information to the communication module 150.

The communication module 150 is a financial institution using an external communication network such as a wide area network (WAN), a local area network (LAN), a transmission control protocol / Internet protocol (TCP / IP) internet, or a mobile communication network. Connect to the server. The communication module 150 transmits the payment information to the financial institution server and receives the payment result from the financial institution server.

3 is a flowchart illustrating a financial settlement service method according to an embodiment of the present invention.

Referring to FIG. 3, when an image code is a seller image code generated by a seller, a cash payment process is performed in which a sale amount is transferred from a user account to a seller account.

When the user photographs the image code using the user terminal or selects the stored image code, the image code photographed by the photographing unit 111 or the image code stored in the memory 112 is transferred to the code recognition unit 120 to transmit the image code. Is recognized (S110). When the user pays immediately after photographing the image code, the image code photographed by the photographing unit 111 may be transferred to the code recognition unit 120 under the control of the controller 170. When the user withholds payment after photographing the image code to purchase various products, the image code photographed by the photographing unit 111 may be temporarily stored in the memory 112 under the control of the controller 170. . A plurality of photographed image codes may be stored in the memory 112, and a selected image code among the image codes stored in the memory 112 may be transferred to the code recognition unit 120 according to a user's decision. The code recognizer 120 decodes the image code transmitted from the code acquirer 110 to recognize information included in the image code. The code recognition unit 120 transmits product information, production information, and sales information included in the image code to the payment information generation unit 140. In particular, the code recognition unit 120 confirms the seller account and the sale amount information included in the image code, and transfers the seller account and the sale amount information to the payment information generation unit 140.

The payment information generating unit 140 generates cash payment information by adding user account information, a user authentication number, a user address, etc. to the seller account and the sale amount information transmitted from the code recognition unit 120 (S120).

The generated cash payment information is transmitted to the financial institution server through the communication module 150 (S130). The cash settlement information includes seller account information, sales amount, user account information, user authentication number, user address, and the like.

The financial institution server checks the seller account information, the selling amount, the user account information, the user authentication number, the user address, etc. included in the cash payment information, and transfers the selling amount from the user account to the seller account (S140).

The financial institution server transmits the result of the transfer of the account to the user terminal (S150). At this time, the financial institution server may transfer the result of the account transfer of the sales amount to the cash receipt issuing system of the IRS, and receive the cash receipt of the user and deliver it to the user terminal. In addition, the financial institution server delivers the result of the account transfer of the sales amount to the seller, so that the seller can confirm whether the corresponding product is ordered or settled.

As such, the user may photograph the image code attached to the product, the image code printed on the product leaflet, the image code of the product displayed on the screen of the Internet shopping mall or TV home shopping, or select the image code stored in the user terminal. There is no need to manually enter a merchant account number, sales amount, or user address for orders and cash payments.

4 is a flowchart illustrating a financial settlement service method according to another embodiment of the present invention.

Referring to FIG. 4, when the image code is a seller image code generated by a seller, a process of credit payment of a sales amount using a credit card is performed.

The user terminal recognizes the image code as the user photographs the image code or selects the stored image code (S210). Under the control of the controller 170, the image code photographed by the photographing unit 111 may be transferred to the code recognizing unit 120. Alternatively, the image code photographed by the photographing unit 111 may be temporarily stored in the memory 112 under the control of the controller 170, and the image code selected from the image codes stored in the memory 112 may be later determined by the user. May be transmitted to the code recognition unit 120.

The code recognizer 120 decodes the image code transmitted from the code acquirer 110 to recognize information included in the image code. The code recognition unit 120 checks the product information, production information, and sales information included in the image code and transmits it to the payment information generation unit 140. In particular, the code recognition unit 120 confirms the seller card merchant and the sale amount information included in the image code, and transmits the seller card merchant and the sale amount information to the payment information generation unit 140.

The payment information generation unit 140 may include a user credit card information, a credit card expiration date, a user authentication number, a user address, and the like, which are stored together with the seller card merchant and the sales amount information transmitted from the code recognition unit 120. Generate payment information (S220).

The generated credit payment information is transmitted to the financial institution server through the communication module 150 (S230). Credit payment information includes card merchant, sales amount, user credit card information, credit card expiration date, user authentication number, user address, and the like.

The financial institution server checks the card merchant included in the credit payment information, the sales amount, the user credit card information, the credit card expiration date, the user authentication number, the user address, and performs a credit payment on the sales amount (S240).

The financial institution server transmits the credit settlement result of the sales amount to the user terminal (S250). At this time, the financial institution server delivers the result of the credit settlement of the sales amount to the seller, so that the seller can confirm the order and payment of the corresponding product.

As such, the user may photograph the image code attached to the product, the image code printed on the product leaflet, the image code of the product displayed on the screen of the Internet shopping mall or TV home shopping, or select the image code stored in the user terminal. There is no need to manually enter a user card number, user authentication number, sales amount, user address, etc. for ordering and credit payment.

In general, an image code attached to a product is a producer image code generated by the producer during the production of the product. The producer image code may include only product information and production information and may not include sales information. At this time, the seller has to make a separate seller image code including sales information and attach it to the product additionally or display it on the screen so that the order and payment service of the product using the image code described above with reference to FIG. 3 or 4 may be performed. .

Hereinafter, a financial settlement service system and method for performing an order and payment service of a product using a producer image code will be described.

5 is a block diagram illustrating a financial settlement service system according to another embodiment of the present invention.

Referring to FIG. 5, the financial settlement service system includes a user terminal 40 for generating payment information using an image code, a financial institution server 50 for payment processing of a sales amount according to the payment information, and product information of various products, A commodity management server 70 that manages production information, sales information, and the like is included.

The image code is a producer image code generated by the producer 80, and the producer image code is displayed on the screen of an internet shopping mall, TV home shopping, or attached to a product sold in an offline store. The producer image code includes product information and production information. The product information includes information such as product type, product name, product identification number, and the like. Production information includes information such as producer identification number, production region, manufacturing date, expiration date.

The producer 80 attaches the producer image code to the product or provides it to an internet shopping mall or TV home shopping. The producer 80 delivers the product information and the production information included in the producer image code to the product management server 70.

The seller 60 delivers the sales information about the merchandise to the merchandise management server 70. The sales information includes information such as the seller's unique number, the seller's card merchant, the sales weight, the seller's account information, and the sales amount.

The commodity management server 70 corresponds to the commodity information and the production information delivered from the producer 80 and manages the sales information delivered from the seller 60. That is, the commodity management server 70 manages a list of various commodities, commodity information, production information, and sales information for each commodity list. For example, the product management server 70 matches and manages the sales information of the seller 60 in one-to-one correspondence with each product unique number of each product.

The user terminal 40 stores user information including a user name, user account information, user credit card information, credit card expiration date, user authentication number, user address, and the like. The user terminal 40 recognizes the image code, delivers the product information included in the image code to the product management server 70 and receives the sales information of the product from the product management server 70. The user terminal 40 generates payment information using the product information included in the image code, the production information, the sales information received from the product management server 70, and the stored user information, and transmits the settlement information to the financial institution server 50. That is, the payment information is composed of information included in the producer image code, sales information received from the product management server 70 and user information stored in the user terminal 40.

The payment information includes cash payment information using account transfer from the user account to the merchant account and credit payment information using the user's credit card. The cash payment information may include seller account information, sales amount, user account information, user authentication number, user address, and the like. The credit settlement information may include a merchant card merchant, user credit card information, credit card expiration date, user authentication number, user address, and the like.

The financial institution server 50 receives payment information from the user terminal 40 and performs cash payment or credit payment for the sales amount. The financial institution server 50 transmits a payment result for cash payment or credit payment to the user terminal 40 and the seller 60.

In the financial settlement service system according to another embodiment of the present invention, when the user terminal 40 photographs the producer image code or selects the stored producer image code, the user terminal 40 uses the product information included in the producer image code. To obtain the seller account and the sale amount information from the merchandise management server 70, and obtains the cash payment information or the credit payment information by using the obtained seller account, the sale amount information and the user credit card information stored in the user terminal 40, and the like. It generates and transmits to the financial institution server 50. The financial institution server 50 transfers the sales amount from the user account to the seller account or performs credit settlement of the sales amount according to the payment information.

6 is a flowchart illustrating a financial settlement service method according to another embodiment of the present invention.

Referring to FIG. 6, when the image code is a producer image code generated by a producer, a cash settlement process in which a sale amount is transferred from a user account to a seller account.

When the user photographs the image code using the user terminal or selects the stored image code, the image code photographed by the photographing unit 111 or the image code stored in the memory 112 is transferred to the code recognition unit 120 to transmit the image code. Is recognized (S310). Under the control of the controller 170, the image code photographed by the photographing unit 111 may be transferred to the code recognizing unit 120. Alternatively, the image code photographed by the photographing unit 111 may be temporarily stored in the memory 112 under the control of the controller 170, and the image code selected from the image codes stored in the memory 112 may be later determined by the user. May be transmitted to the code recognition unit 120. The code recognizer 120 decodes the image code transmitted from the code acquirer 110 to recognize information included in the image code. The image code includes product information and production information.

The user terminal transmits the product information included in the image code to the product management server (S320).

The commodity management server finds a commodity corresponding to commodity information received from the user terminal in the stored commodity list, and transmits sales information of the commodity to the user terminal (S330). The sales information includes information such as the seller's unique number, the seller's card merchant, the sales weight, the seller's account information, and the sales amount. The code recognition unit 120 transmits the product information, production information, and sales information received from the product management server to the payment information generation unit 140. In particular, the code recognition unit 120 confirms the seller account and the sale amount information included in the sale information received from the product management server, and transfers the seller account and the sale amount information to the payment information generation unit 140.

The payment information generating unit 140 generates cash payment information by adding user account information, a user authentication number, a user address, etc. to the seller account and the sale amount information transmitted from the code recognition unit 120 (S340).

The generated cash payment information is transmitted to the financial institution server through the communication module 150 (S350). The cash settlement information includes seller account information, sales amount, user account information, user authentication number, user address, and the like.

The financial institution server checks the seller account information, the selling amount, the user account information, the user authentication number, the user address, etc. included in the cash payment information, and transfers the selling amount from the user account to the seller account (S360).

The financial institution server transfers the result of the transfer of the account to the user terminal (S370). At this time, the financial institution server may transfer the result of the account transfer of the sales amount to the cash receipt issuing system of the IRS, and receive the cash receipt of the user and deliver it to the user terminal. In addition, the financial institution server delivers the result of the account transfer of the sales amount to the seller, so that the seller can confirm whether the corresponding product is ordered or settled.

As such, even if the image code attached to the product, the image code printed on the product leaflet, or the image code of the product displayed on the screen of the Internet shopping mall or TV home shopping is the producer image code, the user photographed or stored the producer image code. By selecting an image code, there is no need to enter a merchant account number, sales amount, user address, etc. directly for ordering and cash payment of goods.

7 is a flowchart illustrating a financial settlement service method according to another embodiment of the present invention.

Referring to FIG. 7, when the image code is a producer image code generated by a producer, a process of credit payment of a sales amount using a credit card is performed.

When the user photographs the image code using the user terminal or selects the stored image code, the image code photographed by the photographing unit 111 or the image code stored in the memory 112 is transferred to the code recognition unit 120 to transmit the image code. Is recognized (S410). Under the control of the controller 170, the image code photographed by the photographing unit 111 may be transferred to the code recognizing unit 120. Alternatively, the image code photographed by the photographing unit 111 may be temporarily stored in the memory 112 under the control of the controller 170, and the image code selected from the image codes stored in the memory 112 may be later determined by the user. May be transmitted to the code recognition unit 120. The code recognizer 120 decodes the image code transmitted from the code acquirer 110 to recognize information included in the image code. The image code includes product information and production information.

The user terminal transmits the product information included in the image code to the product management server (S420).

The commodity management server finds a commodity corresponding to commodity information received from the user terminal in the stored commodity list, and transmits the sales information of the commodity to the user terminal (S430). The sales information includes information such as the seller's unique number, the seller's card merchant, the sales weight, the seller's account information, and the sales amount. The code recognition unit 120 transmits the product information, production information, and sales information received from the product management server to the payment information generation unit 140. In particular, the code recognition unit 120 confirms the seller card merchant and the sale amount information included in the sale information received from the product management server, and transmits the seller card merchant and the sale amount information to the payment information generation unit 140.

The payment information generation unit 140 may include a user credit card information, a credit card expiration date, a user authentication number, a user address, and the like, which are stored together with the seller card merchant and the sales amount information transmitted from the code recognition unit 120. Generate payment information (S440).

The generated credit settlement information is transmitted to the financial institution server through the communication module 150 (S450). Credit payment information includes merchant card merchants, sales amounts, user credit card information, credit card expiration dates, user authentication numbers, user addresses, and the like.

The financial institution server checks the card merchant included in the credit payment information, the sales amount, the user credit card information, the credit card expiration date, the user authentication number, the user address, and performs a credit payment on the sales amount (S460).

The financial institution server transmits the credit settlement result of the sales amount to the user terminal (S470). At this time, the financial institution server delivers the result of the credit settlement of the sales amount to the seller, so that the seller can confirm the order and payment of the corresponding product.

As such, even if the image code attached to the product, the image code printed on the product leaflet, or the image code of the product displayed on the screen of the Internet shopping mall or TV home shopping is the producer image code, the user photographed or stored the producer image code. By selecting an image code, it is not necessary to directly enter a user card number, a user authentication number, a sale amount, a user address, etc. for ordering and crediting a product.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

10, 40: user terminal
20, 50: financial institution server
30, 60: Seller
70: commodity management server
80: producer
110: code acquisition unit
120: code recognition unit
130: code protocol storage
140: payment information generation unit
150: communication module
160: display unit
170:

Claims (20)

A user terminal for a financial settlement service that stores user information including at least one of a user account and user credit card information,
A code acquiring unit for photographing an image code including a seller account and sales amount information;
A code recognition unit recognizing the seller account and the sale price information from the image code;
A payment information generation unit generating payment information including the seller account and the sale amount; And
A user terminal for a financial settlement service comprising a communication module for transmitting the payment information to a financial institution server. The method according to claim 1,
The payment information is a user terminal for a financial settlement service is cash payment information indicating the transfer of the sale amount from the user account to the seller account. The method according to claim 1,
The image code further includes card merchant information of a seller, and the payment information is a user terminal for financial settlement service which is credit payment information instructing credit payment of the sales amount to a user credit card corresponding to the card merchant of the seller. . The method according to claim 1,
The image code is a 2D barcode user terminal for financial settlement services The method of claim 1, wherein the code obtaining unit
A photographing unit to photograph and image the image code; And
A user terminal for a financial settlement service comprising a memory for storing the photographed image code. The method of claim 5,
The code recognition unit is a user terminal for a financial settlement service to recognize any one of the image code or the image code stored in the photographing unit. A user terminal photographing an image code of a product to obtain seller account and sales amount information, and generating payment information including the seller account and the sale amount information; And
And a financial institution server for processing the sale amount according to the payment information received from the user terminal. The method of claim 7, wherein
And the image code is a seller image code generated by a seller and includes the seller account and the sale amount information. The method of claim 8,
The payment information further includes user account information, the financial settlement service system is cash payment information for directing the transfer of the sale amount from the user's account to the merchant account. The method of claim 7, wherein
The image code may further include card merchant information of a seller, and the payment information is credit settlement information for instructing credit payment of the sales amount using a user credit card corresponding to the card merchant of the seller. The method of claim 7, wherein
Wherein said image code is a producer image code generated by a producer and containing product information of said product. The method of claim 11, wherein
The product information includes a product unique number, financial settlement service system further comprises a product management server for matching and managing the product unique number and the merchant account and the sale amount information. The method of claim 12,
The user terminal transmits the product information included in the producer image code to the product management server,
The product management server is a financial settlement service system for transmitting the seller account and the sale amount information to the user terminal. Recognizing an image code including a merchant account and sales amount information;
Generating payment information including the seller account and the sale price information;
Delivering the payment information to a financial institution server; And
And processing the sale price in accordance with the payment information at the financial institution server. The method of claim 14,
And the image code is a seller image code generated by a seller and including the seller account and the sale amount information. The method of claim 15,
The payment information further includes user account information, the financial settlement service method is a cash payment information for directing the transfer of the sale amount from the user's account to the seller account. The method of claim 16,
The financial institution server is a financial settlement service method for payment processing by transferring the sale amount from the user account to the seller account. The method of claim 14,
The image code further includes card merchant information of a seller, and the payment information is credit payment information for instructing credit payment of the sales amount to a user credit card corresponding to the card merchant of the seller. The method of claim 14,
Wherein said image code is a producer image code generated by a producer and containing product information of said product. The method of claim 19,
Transmitting the commodity information included in the producer image code to a commodity management server managing the seller account and the sale price information; And
And receiving the merchant account and the sale price information from the product management server.

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