KR20190104125A - Method for Providing Payment by using Code Image - Google Patents

Abstract

According to the payment processing method using the code image of the present invention, in a method executed by a mobile terminal connected to a mobile communication network and a terminal device provided in the offline merchant, a program driven in the terminal device provided in the offline affiliated store is key input The code image encoded by the code generated to transfer the payment amount calculated through key-in or sales point management to the mobile phone is electronically output through the screen of the terminal device. Recognizes the code image that is output electronically through the screen of the terminal device provided in the offline merchant using the code agent, the code agent obtains the code encoded in the recognized code image, the code agent to the obtained code Check the corresponding payment amount The outputs through.

Description

How to provide payment using code image {Method for Providing Payment by using Code Image}

The present invention provides a method executed by a mobile terminal connected to a mobile communication network and a terminal device provided in an offline affiliated store, wherein a program driven in a terminal device provided in an offline affiliated store is keyed through a key input unit or through a point of sale management. The electronic device outputs a code image encoding a code generated to deliver the calculated payment amount to a mobile phone through a screen of a terminal device, and a terminal device provided at an offline affiliated store by a code agent driven by the mobile phone using a camera of the mobile phone. Recognizes the code image output electronically through the screen of the code agent, the code agent obtains the code encoded in the recognized code image, the code agent checks the payment amount corresponding to the acquired code of the mobile phone Payment address using code image printed on screen It relates to a method.

As a general short-term payment method, there is a method using a ray such as infrared ray, and referring to infrared financial messaging (IrFM) of Infrared Data Association (IrDA), which is a payment standard, the IRFM is a bidirectional transaction. Is based on.

According to IrFM of IrDA, an infrared payment transaction is a first transaction in which a payment terminal device generates at least one purchase information and / or payment amount and provides it to a Personal Trusted Device (PTD) through IrFM, and the PTD transmits the payment information. The second transaction is generated and provided to the payment terminal device through IrFM.

However, referring to the short-range communication settlement process practically used in Korea, the two-way infrared payment transaction is performed in the payment terminal device due to the transaction rate limit of the infrared communication and / or the complicated payment authentication structure of the infrared transaction presented in IrDA. The transaction of purchase information and / or payment amount with PTD is handled as a one-way transaction that is omitted, or by omitting some payment authentication schemes presented by IrDA. The same applies to all short range wireless communication including radio frequency communication, Bluetooth, Bluetooth, wireless LAN, and Wi-Fi.

On the other hand, according to the present invention, visible light may be used as a means to complement the high-speed bidirectional transaction of the infrared payment process. In general, a method of directly transmitting digital information through visible light is known to be inadequate due to interference from the surrounding environment in which a short-range transaction is performed.

However, after the digital information is encoded and output on a liquid crystal display (LCD) and / or a cathode ray tube (CRT) screen, or printed on paper, the encoded image (for example, a code) The method of transmitting the information and extracting the information included in the encoded image may be applied as a method of complementing the bidirectional transaction of the infrared payment.

An object of the present invention is a method executed by a mobile terminal connected to a mobile communication network and a terminal device provided in an offline affiliated store, wherein a program driven in the terminal device provided in the offline affiliated store is keyed through a key input unit or point of sale management The first step of electronically outputting the code image encoded the code generated to deliver the payment amount calculated through the mobile terminal through the screen of the terminal device and the code agent driven in the mobile phone using the camera of the mobile phone offline merchant A second step of recognizing a code image output electronically through a screen of a terminal device provided in the third step; a third step of acquiring a code encoded in the recognized code image by the code agent; Check the payment amount corresponding to the screen of the mobile phone It is a payment method using a code image including a fourth step of providing a force.

In the method for providing a payment using a code image according to the present invention, the terminal device provided in an offline affiliated store and a method executed through a mobile phone connected to a mobile communication network, wherein the program driven in the terminal device provided in the offline affiliated store is a key input unit. A first step of electronically outputting a code image encoding a code for transmitting a payment amount calculated through key input through a point-of-sale management to a mobile phone through a screen of a terminal device and a code agent driven by the mobile phone And a second step of receiving a payment amount input or calculated through the terminal device through a code obtained by recognizing a code image output electronically through a screen of a terminal device provided in an offline affiliated store through the terminal. do.

In the payment providing method using a code image according to the present invention, the code agent further comprises the step of outputting the payment amount received through the code image on the screen of the mobile phone.

In the payment providing method using a code image according to the present invention, the code agent further comprises the step of driving a payment agent to process the payment corresponding to the payment amount received through the code image.

In the payment processing method using a code image according to the present invention, the terminal device provided in the offline affiliated store and a method executed by a mobile phone connected to a mobile communication network, the program driven in the terminal device provided in the offline affiliated store key input unit A first step of electronically outputting a code image of a code generated to transmit a payment amount calculated through key input through a point-of-sale management to a mobile phone through a screen of a terminal device and a code agent driven by a mobile phone A second step of recognizing a code image electronically output through a screen of a terminal device provided at an offline affiliated store using a camera of a third step; and a third step of obtaining a code encoded in the recognized code image by the code agent; The code agent receives the payment amount corresponding to the obtained code. Due characterized in that it comprises a fourth step of outputting via the screen of a cell phone.

In the payment processing method using a code image according to the present invention, if the payment amount is confirmed, the code agent further comprises the step of driving a payment agent to process the payment corresponding to the payment amount .

*

In the payment processing method using a code image according to the present invention, the code agent is characterized in that it further comprises the step of being initialized by the payment agent.

In the payment processing method using a code image according to the present invention, in a method executed through a mobile phone connected to a mobile communication network, a code agent driven in the mobile phone is output through a terminal device provided in an offline affiliated store using a camera of the mobile phone. A first step of recognizing the code image, a second step of the code agent acquiring a code encoded in the recognized code image, and the code agent reading the obtained code and requesting payment through an offline affiliated terminal device A third step of authenticating whether it is a valid code for delivering an authorized payment amount; and a fourth step of verifying a payment amount corresponding to the authenticated valid code if the obtained code is a valid code and the payment amount If it is confirmed that the code agent corresponding to the payment amount In that it comprises a fifth step of driving a billing agent to process the claim is characterized.

In the payment processing method using a code image according to the present invention, the first step, the code agent outputs the code image or the terminal device output through the screen of the terminal device provided in the offline merchant using a camera of the mobile phone Recognizing a code image printed on the paper through the, characterized in that made.

In the payment processing method using a code image according to the present invention, the code agent is characterized in that it further comprises the step of being initialized by the payment agent.

In the payment processing method using a mobile phone according to the present invention, in a method executed through a mobile phone connected to a mobile communication network, a code agent driven in the mobile phone uses a camera of the mobile phone to perform a payment of a payment terminal device provided in an offline affiliated store. A first step of recognizing the code image outputted for the second step and the code agent authenticating whether the recognized code image is a code image output for the payment of the payment terminal device and when validating the code image, A third step of the code agent interpreting the authenticated code image and confirming at least one of purchase information and payment amount requested by the payment terminal device to the mobile phone through the code image and purchase information through the code image; If you have verified one or more of the following: And a fourth step in which the pre-code agent drives a separate payment agent to process the payment corresponding to the purchase information or the payment amount.

In the payment processing method using a mobile phone according to the present invention, the code agent further comprises the step of being initialized by the payment agent.

In the payment processing method using a mobile phone according to the present invention, the payment is characterized by being processed using the communication resources of the mobile phone through the driven payment agent.

The payment processing method using a mobile phone according to the present invention includes a first step of authenticating a validity of a code image recognized by the mobile phone in a method executed by a mobile phone connected to a mobile communication network. In the validation of the code image, the code agent interprets the authenticated code image to determine whether the code image includes a payment amount for payment processing, and a payment amount for payment processing in the code image. If included, the code agent includes a third step of driving a separate payment agent to process the payment of the payment amount, the payment, using the communication resources of the mobile phone through the driven payment agent Characterized in that it is processed.

In the payment processing method using a mobile phone according to the present invention, the code agent further comprises the step of being initialized by the payment agent.

In the method for processing payment using a mobile phone according to the present invention, in a method executed in a mobile phone having two or more programs installed, a program driven through a control unit of the mobile phone displays the user's purchase information and payment amount through a screen of the mobile phone. A first step of outputting and a second step of identifying and driving a separate payment program for processing the mobile phone-based payment for the purchase information and the payment amount among the programs installed in the mobile phone when the payment is processed through the mobile phone; And the payment is processed by transmitting the financial information extracted through the driven payment program through the communication resource of the mobile phone, and the program is the purchase after the payment is processed through the driven payment program. Characterized in that the status for processing payment of information and payment amount is initialized It shall be.

In the payment processing method using a mobile phone according to the present invention, the program further comprises the step of acquiring the purchase information and the payment amount of the user by analyzing the code image photographed by the camera of the mobile phone, the first step The method may include outputting the acquired purchase information and a payment amount of the user.

In the payment processing method using a mobile phone according to the present invention, when the payment approval information is input through the key input unit of the mobile phone, the payment program extracts financial information for processing the payment and through the communication resource of the mobile phone. Characterized by requesting payment by sending.

A payment processing method using a payment program according to the present invention comprises a control unit for receiving and processing key data generated through a key input unit and executed in a mobile phone installed with at least one program downloaded through a communication network, wherein the control unit A first step of checking a payment amount through a first driven program and outputting it to a screen; and a payment program to process payment of a screened payment amount among programs provided in the mobile phone through the first driven program; And a second step of confirming and driving a second step, wherein the payment is performed through the second driven payment program, and the first driven program is settled through the payment program driven to perform the payment. It is characterized in that the initialization is automatically performed after the procedure.

In the payment processing method using the payment program according to the present invention, in the second step, information necessary for the payment procedure of the payment program is input through a key input unit of the mobile phone and the payment information is used for the payment procedure of the payment program. It characterized in that for driving the payment program.

In the payment processing method using the payment agent according to the present invention, a payment processing method using a payment agent executed by a program running on a mobile phone connected to a mobile communication network, the payment information including the payment amount to be processed by the program A first step of checking and outputting to the screen and a second step of the program identifying and driving a payment agent to process the payment of the screen output payment information among the agents provided in the mobile phone, wherein the payment information includes: The program is used for a payment procedure of a driven payment agent, and the program outputs and initializes a payment result when the payment procedure performed through the payment agent is completed.

In the payment processing method using a payment agent according to the present invention, the second step is characterized in that the payment agent is driven so that information necessary for the payment procedure is input through a key input unit of the mobile phone.

According to the present invention, it is possible to check purchase information (purchase product list, price for each product, payment amount, etc.) with a wireless terminal before payment, which has the advantage of overcoming the limitations of commercially available one-way infrared payment.

In addition, there is an advantage that can be implemented by mounting the bar code-related software on the existing device, without the additional infrastructure construction cost.

In addition, when the purchase information and the like is sent to the wireless terminal with a code, the coupon can be provided with the purchase information, there is an advantage that can be linked to additional information (for example, a coupon) providing service.

1 is a simplified diagram of an internal configuration of a wireless terminal providing a bidirectional short-range communication payment service using a code.
2 is a simplified diagram of an internal configuration of a payment terminal device that provides a bidirectional short-range communication payment service using a code.
3 is a simplified diagram of a payment system that provides two-way near field communication payment through a code.
4 is a simple flowchart of a process of processing a bidirectional near field communication payment through a code.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

FIG. 1 is a simple diagram of an internal configuration diagram of a wireless terminal for providing a bidirectional near field communication payment service using a code.

Referring to FIG. 1, the wireless terminal 100 includes a control unit 105, a sound processing unit 110, a screen output unit 115, a key input unit 120, a wireless processing unit 125, and a mobile communication network to transmit and receive a signal with a mobile communication network. Memory 130 and a battery 135 for power supply, the code processing unit 140 is added to receive the purchase information and / or payment amount through the code, the short-range communication unit ( 145, the IC chip processor 150, and the IC chip 155 are mounted, and includes a coupon processor 160 for applying a coupon.

The controller 105 is a general term for an operating system, a terminal control management program, and a wireless terminal agent executed during the booting and / or booting of the wireless terminal 100, and controls the overall operation of the wireless terminal 100. And management.

In particular, according to an embodiment of the present invention, the control unit 105 acquires the code including the purchase information and / or payment amount in association with the code processing unit 140, and obtains the code image through a series of image processing processes. A function of extracting purchase information and / or payment amount by analyzing the code image and extracting financial information and / or payment information for payment processing from the IC chip 155 in conjunction with the IC chip processing unit 150. And, in conjunction with the short-range communication unit 145 is responsible for controlling and managing a series of operations, such as the function of transmitting the financial information and / or payment information extracted from the IC chip 155 to the payment terminal device through the short-range communication do.

Here, the short range communication unit 145 may communicate with the wireless terminal 100 in infrared ray communication, and / or radio frequency (RF) communication, and / or Bluetooth, and / or wireless LAN. And / or short-range wireless communication including at least one Wi-Fi.

That is, most operations described later by the wireless terminal 100 as a subject are performed through the control unit 105, or the control unit 105 is performed in conjunction with at least one wireless terminal 100 component. .

The sound processor 110 encodes a voice signal input from the sound input device in conjunction with the controller 105 to transmit the encoded audio signal to the wireless processor 125, and decodes a signal received through the wireless processor 125. And a conventional sound processor for outputting the sound output device as a voice signal.

The screen output unit 115 receives key data generated by the key input unit 120 and various information signals of the controller 105 to output the screen data.

In particular, according to an embodiment of the present invention, the screen output unit 115 is at least one or more purchase information and / or payment amount extracted from the code image recognized by the control unit 105 (= code agent) through the code processing unit 140 Provides the function to output

The key input unit 120 includes a plurality of number keys, a character key for inputting a character, a function key, and the like, and the user presses a predetermined key. It generates a key data (Key Data) to be transmitted to the control unit 105.

In particular, according to an embodiment of the present invention, the key input unit 120 provides a function for generating key data for approval of short-range communication payment corresponding to the purchase information and / or payment amount extracted from the code.

The wireless processor 125 includes a function of processing a radio frequency (RF) signal of a wireless communication section transmitted and received between the wireless terminal 100 and a base station on a mobile communication network through wireless communication.

*

The memory unit 130 is a generic term for a space and / or a storage area in which a predetermined program code for controlling the overall operation of the wireless terminal 100 and data input / output when an operation by the program code is performed are stored. As an EEPROM, it is mounted on the wireless terminal 100 in the form of a flash memory (FM) or the like.

In particular, according to an embodiment of the present invention, the memory unit 130 is a code agent for recognizing the code to extract the purchase information and / or payment amount, and the code image recognized by the code agent through the code processor 140, It is responsible for storing a series of data such as purchase information and / or payment amount extracted from the code image.

The code processor 140 may apply an image processing process to an optical device (eg, a digital camera) capable of recognizing a code printed on a screen output unit and / or paper of a payment terminal device, and a code recognized from the optical device. It consists of a series of devices and / or modules that generate code images (e.g. digital images) that can be interpreted by the agent, obtains codes printed on the screen output and / or paper of the payment terminal device, and interpreted by the code agent. It converts the code image to the code agent and delivers it to the code agent.

The coupon processing unit 160 applying the coupon may refer to the coupon and / or points and / or mileage and / or gift vouchers provided to the wireless terminal 100 with reference to the purchase information and / or payment amount included in the code. It serves to apply during the purchase and / or payment processing.

The short-range communication unit 145 is a general term for hardware and / or software for performing short-range communication for short-range communication with the short-range communication unit of the payment terminal device based on the short-range communication protocol and / or standard. Characterized by satisfying the communication payment standard.

In addition, the short-range communication unit 145 may communicate with the wireless terminal 100 in infrared ray communication, and / or radio frequency (RF) communication, and / or Bluetooth, and / or wireless LAN. And / or short-range wireless communication including at least one Wi-Fi.

The IC chip processing unit 150 is an interface connecting the IC chip 155 mounted on the wireless terminal 100 and the control unit 105 of the wireless terminal 100, and includes the features of the IC chip reading and writing device. In the bi-directional short-range communication settlement process using the purchase information and / or payment amount extracted through the code proposed by the present invention, it includes a function for extracting the financial information and / or payment information from the IC chip (155).

IC chip 155 is a chip that stores the financial information and / or payment information necessary to receive the bidirectional short-range communication payment service proposed by the present invention, at least one IC chip standard (e.g., ISO 7816 and / or Financial applications (e.g., debit account information and / or electronic money) that meet ISO / IEC 14443) and financial IC chip specifications (e.g., EMV standards) and are issued by at least one financial institution and / or card issuer; and / Or a credit card application (eg, VISA, BC, Master) issued by at least one or more credit card companies and / or card issuers.

In addition, the IC chip 155 may be connected to the wireless terminal 100 through the IC chip processor 150 in a dual slot method, a dual chip method, and / or a one chip method. It is linked to the, and characterized in that it satisfies the minimum financial IC chip conditions that can provide payment processing for the purchased goods through at least one or more payment terminal devices present on and offline.

2 is a simplified diagram of an internal configuration of a payment terminal device 200 that provides a bidirectional short-range communication payment service using a code.

Referring to FIG. 2, the payment terminal device 200 basically includes a control unit 205, a printer output unit 210, a screen output unit 215, and a key input unit 225 for providing a payment transaction with a credit card and a network. And a card interface 230, a memory 235, a communication processing unit 240, and various additional function processing units 245, and the payment terminal device 200 includes a short-range communication unit 220 for providing a short-range communication payment service. ) Is added.

The control unit 205 is composed of a central processing unit (CPU), a read only memory (ROM), a random access memory (RAM), a system bus, etc. in hardware, and the payment terminal device 200 in software. Is a generic term for a process of booting and / or an operating system and a payment terminal device control management program and payment terminal device applications executed after booting, and control the overall operation (eg, short-range communication payment processing) of the payment terminal device 200. It features a management box.

According to an embodiment of the present invention, the control unit 205 generates a code including purchase information and / or payment amount and outputs it to the screen output unit 215 of the payment terminal device 200 or the printer output unit 210. ) Provides the ability to control and manage a series of jobs printed on paper. In addition, when the financial information and / or payment information is transmitted from the wireless terminal 100 through the short-range communication unit, the controller 205 controls and manages a series of operations for processing payment based on the financial information and / or payment information. Provides the ability to

In addition, the control unit 205 specifies that when generating a code including the purchase information and / or payment amount, the code can include coupons and / or points and / or mileage information.

** That is, most operations described later by the payment terminal device 200 as a subject are performed through the controller 205 or the controller 205 is performed in conjunction with at least one payment terminal device component. Do.

The printer output unit 210 may provide a function of printing a series of information generated on a paper (eg, a receipt) after the payment terminal device 200 performs payment processing and / or after the payment processing is performed. do.

In particular, according to an embodiment of the present invention, a function of printing and outputting a code including a code in which the control unit 205 encodes the purchase information and / or the payment amount is added.

The screen output unit 215 interworks with a general function of receiving key data generated from the key input unit 225 and various information signals of the controller 205 and outputting them to the screen, and a point of sale (POS). Purchase information such as a list of purchased products and prices for each purchased product, a payment amount generated by summing the prices for each purchased product, or a detailed process of the payment process (for example, whether payment is normally performed or an error message) is displayed on the screen. It provides a function of outputting.

In particular, according to an embodiment of the present invention, a function of outputting a code included in the control unit 205 by encoding the purchase information and / or the payment amount is added to the payment terminal device screen.

The short-range communication unit 220 is a generic term for hardware and / or software for performing short-range communication for short-range communication with the short-range communication unit 220 of the wireless terminal 100 based on the short-range communication protocol and / or standard. Characterized by satisfying the specified at least one short-range communication payment specification.

In addition, the near field communication unit 220 may communicate with the wireless terminal 100 in infrared ray communication, and / or radio frequency (RF) communication, and / or Bluetooth, and / or wireless LAN. And / or short-range wireless communication including at least one Wi-Fi.

The key input unit 225 includes a plurality of number keys, a character key for inputting characters, a function key, and the like, and includes a payment terminal device operator and / or a user. When the predetermined key is pressed, a general function of generating and transferring the corresponding key data to the control unit 205, a function of inputting payment related data and information for calculating a function thereof, and a PIN for payment processing ( Personal Identification Number) function, such as input function, and the like, the specification is characterized in that provided to fit the business area specified by at least one or more financial institutions and / or credit card companies.

In particular, according to an embodiment of the present invention, the key input unit 225 generates a code, generates at least one or more key data for performing near field communication payment, and transmits the generated key data to the control unit 205.

The memory unit 235 is hardware-mounted in the payment terminal device 200 in the form of EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory), and controls the overall operation of the payment terminal device in software. The memory unit 235 of the payment terminal 200 is a generic term for a predetermined program code and a space and / or a storage area for storing input / output data when an operation by the program code is performed. In order to guarantee the integrity of data, a specific storage space may be provided in the memory unit 235 to store transaction details, and the stored transaction details may be transferred to the corresponding institutions according to regulations set by financial institutions and / or credit card companies. Can be delivered.

In particular, according to an embodiment of the present invention, the memory unit 235 is a code generation application for generating and outputting a code by the payment terminal device 200, the code generated by the code generation application, and short-range communication for processing the short-range communication payment It is responsible for storing the short-range communication payment data generated and / or transmitted and received in the payment application and the short-range communication payment service process.

The communication processor 240 hardwarely connects at least one modem or network interface card (NIC) for connecting the payment terminal device 200 to a network or the payment terminal device 200 with an external device. At least one RS-232c (Recommended Standard-232C) port or a USB (Universal Serial Bus) port for the purpose of, and the software terminal to the payment terminal device 200 via the network and the upper network device and / or server As a generic term for an application for connecting or connecting the payment terminal device 200 to an external device such as a POS, details of data transmission are network devices and / or on a network connected to the payment terminal device 200. Follow the communication protocol of the server or external device.

The network communication module 250 of the communication processing unit 240 is composed of at least one modem or network interface card (NIC) for connecting the payment terminal device 200 to the network in hardware. Provides a function of connecting the payment terminal device 200 with a higher network device and / or a server through a network, and transmits transaction data (for example, transaction data transmitted from the wireless terminal 100 through a transaction sound according to an embodiment of the present invention). , Financial information and / or payment information) to provide a means for processing a payment by connecting to a payment system on a network.

The external communication module 255 of the communication processor 240 may include at least one RS-232c (recommended standard-232C) port or a universal serial bus (USB) port for connecting the payment terminal device 200 with an external device in hardware. Port and the like, and provide a function of connecting the payment terminal device 200 with an external device such as a POS by software, and the transaction data to be transmitted to the wireless terminal 100 through a transaction sound according to an embodiment of the present invention. It provides a means for extracting (eg, purchase information and / or payment amount) from an external device such as a POS.

In addition to the basic components of the payment terminal device 200, the additional function processing unit 245 may be provided to the payment terminal device 200 according to the environment and role in which the payment terminal device 200 is operated. As a general term of the system, a representative additional function processing unit 245 that can be mounted in the payment terminal device 200 includes a secure application module (SAM).

3 is a simplified diagram of a payment system 300 that provides two-way near field communication payment via code.

The wireless terminal 100 includes a code processing unit 140 (for example, a digital camera) for recognizing a code output from the payment terminal device 200, and establishes a short-range communication through short-range communication with the payment terminal device 200. A short-range communication unit 145 capable of providing a service, an IC chip 155 and an IC chip processing unit 150 containing at least one or more financial information and / or payment information to be transmitted to the payment terminal device 200 is mounted have.

The payment terminal device 200 includes at least one printer output unit 210 and a screen output unit 215 for outputting a code, and provide a short range communication payment service through short range communication with the wireless terminal 100. And a short range communication unit 220 which can be mounted thereon.

In the wireless terminal 100 and the payment terminal device 200 as described above, the payment terminal device 200 generates a code encoding the purchase information and / or payment amount to output the screen output unit 215 and / or printer When output through the unit 210, the wireless terminal 100 recognizes the code through the code processor 140, extracts the purchase information and / or payment amount contained in the code and outputs to the wireless terminal screen, After a series of payment approval processes, the financial information and / or payment information for the payment processing is extracted from the IC chip 155, and the extracted financial information and / or payment information is settled according to a known short distance communication payment method. It transmits to the terminal device 200, the payment terminal device 200 is characterized in that the payment processing according to a known short-range communication payment method.

4 is a simple flowchart of a process of processing a bidirectional near field communication payment through a code.

When the payment terminal device 200 generates at least one purchase information and / or payment amount in connection with a POS or the like (400), the payment terminal device 200 encodes the purchase information and / or payment amount to generate a wireless terminal ( The code processor 140 mounted on the server 100 generates a code that can be recognized (405), and generates the code generated as described above through the at least one printer output unit 210 and / or the screen output unit 215. Output 410.

In this case, it is noted that the code provided from the payment terminal device 200 may include coupons and / or points and / or mileage that can be used at the affiliate store.

If the code including the purchase information and / or payment amount is output through the printer output unit 210 and / or screen output unit 215 of the payment terminal device 200 through the above process, the wireless terminal 100 is In operation 415, the payment terminal device 200 recognizes the code output and obtains a code image that can be interpreted by the code agent through an image processing process.

When the code processor 140 acquires a code image through the above process, the wireless terminal controller 105 drives a code agent capable of interpreting the code image, and the code agent interprets the code image, thereby At least one purchase information and / or payment amount included in the code image is extracted (420).

If at least one or more purchase information and / or payment amount is extracted from the code image obtained through the above process, the code agent authenticates the validity of the purchase information and / or payment amount.

According to a preferred embodiment of the present invention, the sum of the individual purchase amounts for the purchased items included in the purchase information must match the payment amount, and the code includes a wireless terminal that recognizes the code in addition to the purchase information and / or the payment amount ( Information (eg, a wireless terminal telephone number), and the like.

The code agent authenticates the validity of the code through at least one or more validity authentication information included in the code as described above.

If the validity of the code is not authenticated in the process (425), the code agent outputs an error message to the screen output unit 115, thereby performing the above code recognition and code image acquisition process through the code processing unit 140. Notice to repeat (430).

On the other hand, if the validity of the code is authenticated in the process (435), the code agent outputs the purchase information and / or payment amount extracted from the code image to the screen output unit (440), short-range communication payment for short-range communication payment Run the agent (445).

When the code agent drives the near field communication payment agent through the above process, the near field communication payment agent receives the payment approval information through the key input unit 120 to start the near field communication payment process.

If the payment approval information input does not occur for a predetermined time from the key input unit 120, or if the payment rejection information input occurs (450), the near field communication payment agent outputs a payment approval error message to the screen output unit 115 and By initiating the code agent, a forced termination of the bidirectional short-range communication using the code (455).

On the other hand, when payment approval information is input through the key input unit 120 (460), the near field communication payment agent performs the near field communication payment processing from the IC chip 155 mounted in the wireless terminal 100 through the IC chip processing unit 150. Extract at least one or more financial information and / or payment information (465), and transact the extracted financial information and / or payment information to the payment terminal device 200 through the short-range communication unit 145 (470). .

Also, at least one financial information and / or payment information for short-range communication payment processing is extracted from the IC chip 155 mounted in the wireless terminal 100, and the financial information and / or payment information extracted as described above are short-range. In the case of a transaction to the payment terminal device through the communication unit 145, it is specified that the coupon and / or points and / or mileages and / or gift certificates provided to the wireless terminal 100 can be applied to the payment processing. .

As described above, when at least one or more financial information and / or payment information for the short-range communication payment is received through the short-range communication, the payment terminal device 200 transmits a payment system (eg, through a network based on the financial information and / or payment information). In step 475, the short-range communication settlement process is completed in association with 300.

According to the present invention, a process of processing the short-range communication payment by interworking with the payment system 300 through the network by the payment terminal device 200 is based on a protocol and / or related standard determined by the corresponding payment system 300.

100: wireless terminal 105: control unit
110: sound processor 115: screen output unit
120: key input unit 125: wireless processing unit
130: memory 135: battery
140: code processing unit 145: short-range communication unit
150: IC chip processing unit 155: IC chip
160: coupon processing unit

Claims (3)

In the method executed through the mobile terminal connected to the mobile terminal and the terminal device provided in the offline merchant,
A program driven by a terminal device provided at an offline affiliated store electronically outputs a code image encoding a code for transferring a payment amount calculated through a key input unit to a mobile phone through a screen of the terminal device. A first step of doing; And
The code agent driven in the mobile phone recognizes the code image output electronically through the screen of the terminal device provided in the offline affiliated store through the camera of the mobile phone and transfers the payment amount input or calculated through the terminal device through the obtained code. Receiving a second step; Payment providing method using a code image comprising a.
The method of claim 1,
The code agent further comprises the step of outputting the payment amount received through the code image through the screen of the mobile phone, characterized in that the payment providing method using a code image.
The method of claim 1,
The code agent further comprises the step of driving a payment agent to process the payment corresponding to the payment amount received through the code image.

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