KR20220037879A - Device and method for controlling smart payment - Google Patents

Abstract

The present invention relates to a retail store or facility (hereinafter "store") that sells goods or provides services in on-site transactions (hereinafter "offline transaction") in the real life of consumers (hereinafter "users") and expensive equipment (POS systems or CAT < Credit Inquiry Terminal / Abbreviation for Credit Authorization Terminal>, QR code scanner, etc.) or network environment It relates to a technology related to payment control that allows a store and a user to mutually check the payment result by the above payment method in a safe and convenient way (eg, credit card number and expiration date, etc.).

Description

Smart payment control device and method {DEVICE AND METHOD FOR CONTROLLING SMART PAYMENT}

The present invention relates to a retail store or facility (hereinafter "store") that sells goods or provides services in on-site transactions (hereinafter "offline transaction") in the real life of consumers (hereinafter "users") and expensive equipment (POS systems or CAT < Credit Inquiry Terminal / Abbreviation for Credit Authorization Terminal>, QR code scanner, etc.) or network environment In addition to safely and conveniently receiving information (e.g., credit card number and validity period, etc.) about .

The present invention provides information acquisition control that can safely and conveniently receive information about the payment method through local communication with a smartphone used by the store, and information that can clearly mutually confirm information on the payment result by the payment method An apparatus (hereinafter "data processing apparatus") for performing notification control (eg, by lamp and voice guidance, print output, etc.) is provided.

With the development of IT technology, transaction types for product sales and services have been diversified by EC (Electronic Commerce; e-commerce). Cashless payment by code or the like is becoming common not only in online transactions but also in offline transactions.

Here, payment using QR code (hereinafter referred to as "code payment") does not require facilities (eg POS system, CAT, dedicated network, etc.) necessary for existing card payment, and uses the smart phone app of the user Also called payment, there are CPM (Consumer Presented Mode) method and MPM (Merchant Presented Mode) method. code") and present it to the store, (2) the store employee scans the user's QR code with a QR code reader and scans the user's QR code, payment amount, store identification information, etc. The configured payment request information is transmitted, for example, by a dedicated terminal to the center system of the payment provider, and (3) payment result information of payment processing based on the payment request information transmitted by the center system of the payment provider to the dedicated terminal and (4) the store employee checks the returned payment result information, so the store must install a QR code reader, a dedicated terminal, and a network environment for payment confirmation. In addition, the user QR code is exposed in the process of (1), such a user QR code can be easily obtained compared to credit card skimming (for example, taken with a camera), and by a malicious third party There may be incidents of fraudulent use, and in order to strengthen the security, the cost burden of the store increases, or the user's work procedure tends to be complicated, and there are many tasks.

In addition, in the MPM method of code payment, (1) the user reads the store's QR code (hereinafter "store QR code") by means of a smartphone app for payment, enters the payment amount, and enters the store QR code and the corresponding Transmits payment request information including consisting of a payment amount, etc. to the center system of the payment provider, and (2) the center system of the payment provider sends the payment result information of the payment processing based on the transmitted payment request information to the smartphone replying to the app, (3) presenting the payment result information returned by the user (generally displayed on a smartphone screen) to the store employee, and (4) also allowing the user to obtain the store smart information from the payment operator Since the confirmation email sent to the phone or tablet goes through a process of waiting until it is confirmed by the store's staff, the procedure on the user's side is cumbersome, and, after all, the store is dedicated to payment confirmation (in the contract with the payment provider). It is necessary to install a smartphone or a network environment that can receive mail specified by the company, and there are also many tasks.

For such smart payment, for example, non-patent document 1 introduces code payment MPM method and payment method by CPM method in detail, and patent document 1 and patent document 2 solve the problem in code payment described above. A technology (device) is disclosed.

Here, Patent Document 1 and Patent Document 2 are filed by the inventor of the present application, and Patent Document 1 and Patent Document 2 disclose the following.

For example, as a connector device connected between a payment terminal and a printing device for which the device prints a receipt,

(1) a first communication unit for processing communication with the payment terminal and a specified standard;

(2) a second communication unit for processing communication of a specified communication method with the printing apparatus;

(3) a Bluetooth unit that handles Bluetooth communication in a specified manner;

(4) data transmitted from the payment terminal through the first communication unit and a signal transmitting unit for unidirectional (or asynchronous) transmitting a wireless signal including communication information for connecting the Bluetooth unit and Bluetooth communication from the short-distance user wireless terminal A data receiving unit for receiving a set, a data reading unit for reading the received data set to read whether cash payment receipt information is included, and when the data set includes cash payment receipt information, through the second communication unit One-way (or asynchronous) transmission by a data processing unit that stores and manages the data set in an interrupt or designated retention area so that the data set is not transmitted to the printing device, and the signal transmitter when the data set is interrupted or saved Including the corresponding data set (or information extracted from the data set) in the user's wireless terminal that receives the wireless signal and connects the Bluetooth communication with the Bluetooth unit in a specified manner based on the communication information included in the wireless signal. A connector device for wireless payment comprising a; a control module including an information transmitter for transmitting payment request information is described.

In addition, in Patent Document 1 and Patent Document 2, for example, in a store, by connecting the connector device between a payment terminal (POS terminal, simple cash register, etc.) and a receipt printing device (hereinafter, “interrupt connection”), Temporary suspension of data output from the payment terminal to the printing device is executed by the "interrupt control" of the connector device, for example, (1) transaction detail data output from the payment terminal to the receipt printing device (eg For example, when print data including date and time data, store data, person in charge data, sales history data, billing amount data, etc. are input to the connector device, (2) the input data (here, print data) from the connector device ) is parsed (here, control codes, character codes, images, etc. included in the print data are interpreted) and payment request information (here, store data and billing amount data, etc.) is generated and (3) the generated payment request information (here, store data and billing amount data, etc.) are locally transmitted to the consumer's (user's) smartphone through Bluetooth standard wireless communication, and (4) through a session between the smartphone's dedicated app and the payment provider's system While payment is processed based on the payment request information, information on the payment processing result (hereinafter “payment result information”) is transmitted from the system of the payment provider to the dedicated app of the smartphone, and the transmitted payment result information is When transmitted locally to the connector device through Bluetooth standard wireless communication, (5) processing according to the payment result information in the connector device (for example, “Z Z Z Z won is paid” (outputting voice data to the speaker) is performed, and (6) when a receipt output command from the smartphone is locally transmitted to the connector device through Bluetooth standard wireless communication (7) the date and time of data output from the connector device The abort is released and the parsed transaction history data (print data) is output to a printing device to print a receipt.

In addition, in Patent Document 1 and Patent Document 2, by attaching a magnet to the connector device, a "tagging interface" equal to or higher than NFC (Near Field Communication) by a magnetic sensor of a smartphone (recognizes a smartphone by touch or proximity) It is described that can be configured. According to such a configuration, for example, an RSSI function (Received Signal Strength Indicator; reception) used for distance measurement between a smartphone and a beacon (a Bluetooth signal transmitter; in this case, a connector device). The ability to measure the distance by measuring the strength of the signal) greatly improved the accuracy of the measurement by the connector device, the nearest smartphone is uniquely determined, and local communication between each other is quickly established.

In addition, recently, technologies and apps related to multi-payment (various payments including card payment and code payment) using the camera function of a smartphone have been introduced. For example, in non-patent document 2 and non-patent document 3, smart There is the following technology with respect to an app that performs card payment using the camera function of the phone.

When the payment amount is entered on the smartphone on which the app is installed, the camera function of the smartphone starts, and when the payment card (credit card, debit card, prepaid card, etc.) presented by the consumer is photographed by the camera function, payment is made Card information (text data such as card number and expiry date) required for payment is obtained, and there is a description of a function for which payment processing is performed, and is actually provided to stores as a smartphone application.

Such an app is installed and used on the smartphone of the store. For example, in the case of a small store, a contract with a telecommunication service provider is required to separately prepare the corresponding smartphone and the cost burden increases, so the store owner's smart phone As it is expected to be installed and used in a phone, the payment by the smartphone (app) has a screen display for inputting the payment amount and confirming card information, so, for example, an important phone call or message reception is difficult. Even if there is, there is a problem that it cannot respond during payment.

In addition, since such an app performs payment processing through mobile communication by a smartphone or Internet communication by a smart terminal (for example, an Android-compatible and iOS mobile terminal or tablet that can install the corresponding app), For example, when using in a large store such as a department store, department store, or outlet, for example, contract the number of contracts with a telecommunication service provider to prepare a smartphone for each store, or a network base to prepare a smart terminal for each store And there is a need to maintain the WiFi environment, such a store is installed in a partitioned place, for example, in the case of a closed partitioned store, if the mobile communication by the smartphone is disrupted and payment is interrupted can also be considered.

That is, in order to make multi-payment by such an app, it is necessary to prepare a smart phone and a smart terminal, etc. installed with the app for each store, and separately secure the network environment of the smart phone and the smart terminal, and the The economic and operational burden is great.

In addition, when performing multi-payment by such an app, the user needs to illuminate the payment method to the camera of the store smartphone, and in this case, the payment method information (eg, credit card number and expiration date in card payment) Or user QR code for code payment) may be exposed not only to the store side but also to the surroundings. A configuration that enforces security for user operations is required.

(Patent Document 1) KR 10-2020-0060412 A (2020.05.29) (Patent Document 2) KR 10-2042075 B1 (2019.11.01)

Seoul Zero Pay payment method, Internet www.zeropay.or.kr/main.do?pgmId=PGM1587 PAYAPP camera payment, Internet https://www.payapp.kr/new_home/sub/camera_pay.html CIDERPAY "Main Functions", Internet https://www.ciderpay.com/mainFunction

The present invention provides various smart payments in offline transactions between the store and the user, without changing the payment system of the payment service provider, and does not require smartphone operation in the store, and the user's payment means (eg, credit card or debit card, An inexpensive device and method for controlling only by tagging (installed in proximity or at a predetermined location) (prepaid card, user QR code, etc.) are provided.

In addition, the present invention is a problem of the existing multi-payment method using a smartphone app (for example, economic and operational problems due to multiple installation of smartphones in several stores, security problems due to information exposure in the presentation of payment means, etc. ) to provide an inexpensive apparatus and method for performing information acquisition control and information notification control.

A method according to an embodiment of the present invention provides a smart payment control method in a data processing device, comprising: a payment method information obtaining step of obtaining payment method information of a user payment method; A payment basic information generating step of generating basic payment information based on the payment amount data received from the payment amount data output device and the payment method information; transmitting the basic payment information to a management terminal; a receiving step of receiving processing instruction information that is a response to the basic payment information from the management terminal; and a process data generation step of generating process data based on the process instruction information.

A method according to another embodiment of the present invention is a smart payment control method in a terminal for management, receiving basic payment information received from a data processing device, and obtaining payment method information and payment amount data from the basic payment information , information acquisition step; a payment request information generating step of generating payment request information based on the payment method information, the payment amount data, and the store identification information; a first transmission step of transmitting the payment request information to a center system that performs payment processing; a receiving step of receiving payment result information that is a response to the payment request information from the center system; and a second transmission step of generating processing instruction information based on the payment result information and transmitting the processing instruction information to the data processing device.

An apparatus according to another embodiment of the present invention provides a data processing apparatus, comprising: a payment method information obtaining module configured to obtain payment method information of a user payment method; a memory for storing payment amount data received from the payment amount data output device and storing the payment method information; an authentication data generation module that generates basic payment information based on the payment method information and the payment amount data; a communication control unit for transmitting the basic payment information to a management terminal and receiving processing instruction information that is a response to the basic payment information from the management terminal; and a processing instruction module configured to generate processing data based on the processing instruction information.

An apparatus according to another embodiment of the present invention is a management terminal, comprising: a short-distance communication unit for receiving basic payment information received from a data processing apparatus; a controller for obtaining payment method information and payment amount data from the basic payment information, and generating payment request information based on the payment method information, the payment amount data, and the store identification information; and a communication unit that transmits the payment request information to a center system that performs payment processing, and receives payment result information that is a response to the payment request information from the center system, wherein the control unit responds to the payment result information Based on the processing instruction information is generated, and the short-distance communication unit transmits the processing instruction information to the data processing device.

A tag guide according to another embodiment of the present invention includes: a transparent plate disposed on a data processing device including a camera to cover the data processing device and spaced apart from the camera by a predetermined distance; and support plates for supporting both sides of the transparent plate, respectively, wherein the predetermined distance is the shortest distance for an object to be photographed into focus of the camera.

According to the present invention, in an offline transaction between a store and a user, payment is processed only by the user tagging the payment method (credit or debit card, prepaid card, or user QR code for code payment, etc.) to the data processing device in card payment is controlled, the economic burden of the store (costs related to facilities and operation such as expensive POS system, CAT, QR code scanner, network environment, etc.) is greatly reduced, and the operability and convenience of consumers are greatly improved as well as in the store. Payment is multiplied.

In the present invention, such payment multiplication can be easily realized by providing the data processing device with a payment control function.

According to the payment control function of the data processing device of the present invention, information on various payment methods provided by the user in smart payment (eg, credit card number and expiration date, user QR code, etc.) is safely and conveniently received. A payment environment is provided in which the store and the user can clearly mutually check the payment result by the corresponding payment method.

Further, "structure and architecture of a data processing apparatus" according to the present invention is shown in FIG. 5 .

1 shows an outline of a processing flow according to the first embodiment.
2 shows an explanatory view of a tagging guide.
3 is an overview of the data flow for the payment control function of the data processing device.
4 shows an outline of a processing flow according to the second embodiment.
5 shows the structure and architecture of a data processing apparatus.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0012] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be embodied in other embodiments without departing from the spirit and scope of the invention with respect to one embodiment. In addition, it should be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description set forth below is not intended to be taken in a limiting sense, and the scope of the present invention, if properly described, is limited only by the appended claims, along with all scope equivalents as those claimed. Like reference numerals in the drawings refer to the same or similar functions throughout the various aspects.

"Multi payment control device and method" according to the present invention is a smart phone for payment control and management of a data processing device (for example, by proximity wireless communication by BLE-Bluetooth Low Energy-, data exchange with a data processing device It consists of an information processing function of a store equipped with an app for management that can control the processing of information necessary for payment while performing payment) and payment-related processing by the payment provider's center system.

In addition, for example, when a receipt or transaction statement output to a receipt printer by payment is locally transmitted from the data processing device to the user's smartphone, the user's smartphone (eg, BLE-Bluetooth Low Energy- An information processing function of a user's smartphone equipped with a dedicated application capable of exchanging data with a data processing device by proximity wireless communication) is added to the above configuration.

Here, if the management app mounted on the management smart phone is an IT operator that develops a smartphone app, the API of the data processing device and the API or embedded It can be developed easily by the connection module, and can be publicly distributed, for example, on GooglePlay (Android app marketplace operated by Google) and App Store (marketplace of iPhone apps operated by Apple).

In addition, with respect to the dedicated app mounted on the user's smartphone, a payment app that provides (distributes) to the user through the API of the data processing device if the operator providing the payment service (e.g., in the CPM method code payment, the user It is possible to easily add a function to communicate with a data processing device to an app that includes a function to display the QR code presented on a smartphone).

In addition, the above API is an abbreviation of Application Program Interface, and includes specifications such as subroutines, data structures, object classes, and variables that are exposed so that external apps can use the functions provided by the OS or software.

In addition, the above embedded connection module is a program module provided by the payment service provider to the Internet service provider according to the contract between the Internet service provider (online shopping or Internet shopping mall, etc.) and the payment service provider. By being embedded in the program for the payment process (HTML code of the web page provided to receive information required for payment processing and the program of the smartphone app, etc.), the payment control function of the corresponding payment service provider is The EC site and smartphone app are connected to the center system of the payment service provider by user manipulation (entering card information) in the payment process, for example, implemented in the smartphone app and information necessary for payment processing (Internet service provider’s information). ID, card number, expiration date, payment amount, etc.) are transmitted from the EC site and the corresponding smartphone app to the corresponding center system, and the payment processing result information is also transmitted from the center system to the corresponding EC site and the corresponding smartphone app. is replied

First, a payment control function of the data processing apparatus of the present invention will be described. The payment control function of the data processing device includes, for example, processing related to acquisition of payment method information, processing related to generation of basic payment information, and processing related to processing instruction information analysis.

The processing for image data acquisition of the payment means in the payment control function of the data processing device will be described. The payment method (credit card for card payment, user QR code for code payment, etc.) presented by the user to the store is photographed by a camera built into or externally connected to the data processing device, and image data of the payment method photographed (payment means information) can be configured to be recorded in the memory of the data processing device.

The processing related to the generation of basic payment information of the payment control function of the data processing device will be described. The data processing device generates basic payment information from the payment method information and payment amount data recorded in the memory, and detects a management smartphone in a certain range (distance) by a tagging interface, and connects with the management smartphone It can be configured to uniquely establish local communication and locally transmit the corresponding payment basic information to the corresponding management smartphone.

Here, with respect to the payment amount data, for example, a method in which the data processing device interrupts receipt information output from the POS terminal to the receipt printer and extracts the payment amount from the receipt information, or a method of accessing the data processing device The payment amount data can be recorded in the memory of the data processing device by, for example, a method of inputting the payment amount with the ten key.

In addition, with regard to the details of the tagging interface, a "tagging interface" equal to or higher than NFC (Near Field Communication) by a magnetic sensor of a smart phone for management by having a magnet in the data processing device (touch Or to recognize the smartphone by being close) can be configured. According to this configuration, for example, the RSSI function (Received Signal Strength Indicator; by measuring the strength of the received signal) used for measuring the distance between the management smart phone and the beacon (the transmitter of the Bluetooth signal; in this case, the data processing device) The measurement accuracy by the distance measuring function) is significantly increased, and the management smartphone located close to the data processing device is uniquely determined, and mutual local communication can be established quickly.

The processing for processing instruction information analysis in the payment control function of the data processing device will be described as follows. It generates processing data (including audio data, print data, display data, etc.) corresponding to processing instruction information transmitted locally from the management smartphone, and outputs it to internal and external peripheral devices to inform the parties (stores and users) It can be configured to notify the result of the corresponding payment.

Next, the information processing function of the smart phone for management of this invention is demonstrated. The information processing function of the smart phone for management includes, for example, processing for analysis of payment basic information, processing for generation of payment request information, and processing for generating processing instruction information.

The processing for the analysis of payment basic information of the information processing function of the management smart phone will be described. For example, the management smartphone first interprets basic payment information transmitted locally from the data processing device to obtain payment method information (image data of payment card or user QR code image data) and payment amount data, and further From the means information, card information (including card number and expiration date, user name, etc.) through the OCR function and image identification function for image data of the payment card, and the decoding (decryption) function for user QR code image data text data) or code payment (CPM method) identification information (including payment provider identification information and user identification information) can be configured to be acquired.

The processing related to the generation of payment request information in the information processing function of the management smartphone will be described. For example, payment request information from the payment amount data obtained by the processing related to the interpretation of the basic payment information described above in the management smartphone, identification information for card information or code payment (CPM method), and store identification information Along with the creation, it may be configured to be transmitted to the payment provider's center system based on the store identification information.

Here, the store identification information is information (text data) for identifying the store provided to the store from the payment service provider based on the contract between the store and the payment service provider, and is generally encoded (encoded) of this information (text data). The bar provided to the store by a QR code (hereinafter "store QR code") can be configured to register store identification information in the management smartphone.

In such a configuration, when a store QR code is photographed by a management smartphone (camera function), store identification information (text data) is decoded (decrypted) from the photographed store QR code, and the decoded (decrypted) store identification information It can be realized by allowing (text data) to be recorded in the memory of the smart phone for management.

The processing related to the generation of processing instruction information in the information processing function of the management smartphone will be described. For example, it may be configured to generate processing instruction information based on payment result information returned from the payment provider's center system and locally transmit (transmit) it to the data processing device.

In addition, payment-related processing by the center system of the payment provider of the present invention will be described. The payment-related processing by the center system includes, for example, processing of interpretation of payment request information.

The processing for the interpretation of the payment request information in the payment-related processing by the said center system is demonstrated. It is a general process necessary for payment processing performed by payment providers in the existing card payment or code payment. and to extract payment amount data, for example, withdraw an amount corresponding to the payment amount data from the user's bank account corresponding to the user information, and deposit it to the bank account of the store corresponding to the store identification information configurable.

In the embodiments to be described below, it should be understood that a 'user smartphone' is an example of a 'user terminal', and a 'management smartphone' is an example of a 'management terminal'. The user terminal includes a portable terminal such as a tablet PC as well as a smart phone. In addition, the management terminal includes a portable terminal such as a tablet PC as well as a smart phone.

[Embodiment 1]

Embodiment 1 of the present invention will be described.

Embodiment 1 of the present invention relates to “settlement control related to card payment”.

[Payment method information acquisition process] and [Payment basic information generation process] and [Processing instruction information analysis process] in the payment control function of the data processing device, and [Payment basics] in the information processing function of the management smartphone information analysis process], [payment request information generation process], [process instruction information generation process], and [payment request information analysis process] in payment-related processing by the payment provider's center system.

Hereinafter, each of the above steps will be described in accordance with the flow of the processing in the first embodiment.

In addition, the schematic diagram of the process flow which concerns on Embodiment 1 is the same as FIG.

[Process of obtaining payment method information]

The process of obtaining payment method information in the payment control function of the data processing apparatus is as follows in the data processing apparatus.

(1) a first step in which a payment card (here, a credit card) is tagged (installed in proximity or at a predetermined location) by a user; (2) a second step in which the payment card is photographed by a camera of the data processing device It is an information processing process including steps , (3) and a third step in which the photographed image data of the payment card is recorded in the memory of the data processing device.

With reference to Figs. 1 (a1) to (a3), the processing flow for the above-described [procedure of payment means information acquisition] will be described.

Fig. 1 (a1) relates to the first step of [procedure of payment method information].

In (a1), the payment card 6410 is tagged to the data processing device 2520 by the user 1400 .

Here, in the method of tagging the payment card 6410 to the data processing device 2520 , the user (A) approaches the payment card 6410 from the camera 2530 of the data processing device 2520 to a predetermined position. (B) a tagging guide of the data processing device 2520 for the payment card 6410 (for example, a transparent plastic plate folded in a “C” shape is covered with the data processing device, and the top of the transparent plastic plate There is a method in which the payment card 6410 is placed on a guide in which the position of the payment card 6410 becomes an optimal photographing position from the camera lens of the data processing device 2520).

According to the method of (A), since the payment card 6410 approaches a predetermined position from the camera 2530 of the data processing device 2520 in a state supported by the user's hand (in a state of shaking), the corresponding camera ( 2530) may take time, and since the payment card 6410 is located in the air, the type of the payment card 6410 (VISA or MASTER, etc.) and the card number, expiration date, user name, etc. Because information is exposed to the environment, it can increase user risk by, for example, exploitation by skimming.

Therefore, in Embodiment 1 of this invention, the method of (B) is adopted.

2 is a schematic diagram of the tagging guide described in (B) above, with respect to the specific shape of the tagging guide, [D], [W], [H], [h], [Bt], [St] , is determined by the values of specification elements (length and thickness, inclination angle, etc.) indicated by [R], for example, the focus area of the camera 6420 is determined according to the value of [H].

where D is the horizontal length of the transparent plastic plate, W is the distance between the support plates, H is the height of the support plate, h is the length from the top of the support plate to the transparent plastic plate, Bt is the vertical length of the transparent plastic plate, St is the height of the support plate The length, R, is the angle between the transparent plastic plate and the backing plate.

Fig. 1 (a2) relates to the second step of [the process of obtaining payment method information].

In (a2), the payment card 6410 tagged with the data processing device 2520 (here, by the method B described above) is photographed by the camera 2530 of the data processing device 2520 .

In addition, regarding the timing of shooting of an object to be photographed (here, a payment card) by the camera 2530 of the data processing device 2520, for example, the entire photographing object (here, the entire surface of the payment card) is A camera control program of the data processing device 2520 may be configured such that a viewpoint at which the target object is located at the shortest distance entering the imaging area (focus) of the camera, and the imaging function of the camera 2530 is activated at the imaging timing. can

Such a configuration can be realized, for example, by setting the above-described tagging guide to a predetermined specification (the value of the specification element in Fig. 2 that determines the shape of the tagging guide in which the position of the object to be photographed satisfying the photographing timing is secured), According to this configuration, since the payment processing is performed only by the user tagging the payment card 6410 to the tagging guide (such as placing the payment card face down on the upper surface of the tagging guide), the card payment terminal interlocked with the POS system Compared to the existing payment environment using

Fig. 1 (a3) relates to the third step of [the process of obtaining payment means information].

In (a3), payment method information 7510 that is image data of the payment card 6410 captured by the camera 2530 of the data processing device 2520 is recorded in the memory of the data processing device 2520 .

[Process of creating basic payment information]

A process of generating basic payment information in the payment control function of the data processing device 2520 is as follows.

Following the above [procedure of payment method information], the following is performed in the data processing device 2520 .

(1) the first step of generating basic payment information from the payment method information and payment amount data recorded in the memory; It is an information processing process including a second step in which local communication is uniquely established with a management smartphone, and (3) a third step in which the basic payment information is locally transmitted to the management smartphone.

With reference to (b1) to (b3) of FIG. 1 , a processing flow for the above-described [process of generating basic payment information] will be described.

1 (b1) relates to the first step of [the process of generating basic payment information].

In (b1), basic payment information 7540 is generated from payment method information 7510 and payment amount data 7530 recorded in the memory.

In addition, with respect to the payment amount data 7530 , for example, in (B1) of FIG. 1 , the receipt data 7531 output from the POS terminal 2550 to the receipt printer 2560 is the data processing device 2520 . ) method in which the payment amount data 7530 is acquired from the corresponding receipt data 7531 by interrupt processing of According to a method of acquiring the data 7530, the corresponding payment amount data 7530 is recorded in the memory of the data processing device 2520, and this may be configured to be extracted in the first step.

1 (b2) relates to the second step of [the process of generating basic payment information].

In (b2), local communication with the smart phone 2510 for management is uniquely established by the tagging interface.

1 (b3) relates to the third step of [the process of generating basic payment information].

In (b3), basic payment information 7540 is locally transmitted from the data processing device 2520 to the management smart phone 2510 .

[Interpretation process of basic payment information]

The analysis process of basic payment information in the information processing function of the smart phone for management is as follows.

Following the above [Generation process of basic payment information], the following is performed on the smart phone for management.

(1) a first step of obtaining payment method information (here, image data of a payment card) and payment amount data by analyzing basic payment information transmitted locally from the data processing device 2520; (2) the payment method information It is an information processing process including a second step in which card information (text data including card number, expiration date, user name, etc.) is acquired from the OCR function or image identification function.

With reference to (c1) to (c2) of FIG. 1 , the processing flow for the above-described [process of analysis of basic payment information] will be described.

(c1) to (c2) of FIG. 1 may be performed in the management application 3500 of the smart phone 2510 for management.

1 (c1) relates to the first step of [the process of interpreting basic payment information].

In (c1), payment basic information 7540 locally transmitted from the data processing device 2520 is analyzed to obtain payment method information 7510 and payment amount data 7530 .

1 (c2) relates to the second step of [the process of interpreting basic payment information].

In (c2), card information 7550 is acquired from payment means information 7510 . Here, for example, payment method information 7510 may be analyzed by an image analysis program to generate card information 7550 .

Meanwhile, although not illustrated in a separate drawing, the analysis of the card information 7550 from the payment method information 7510 may also be performed by the data processing device 2520 . In this case, an image analysis program may be provided in the data processing device 2520 , and the data processing device 2520 may generate basic payment information from the card information 7550 and the payment amount data 7530 .

[Process of generating payment request information]

The process of generating payment request information in the information processing function of the management smartphone is as follows.

Following the above [process of interpretation of basic payment information], the following is performed on the management smartphone.

(1) a first step of generating payment request information from store identification information, payment amount data, and card information; It is an information processing process including a second step of being transmitted to the center system of the payment service provider based on the

With reference to (d1) to (d2) of FIG. 1 , a processing flow for the above-described [process of generating payment request information] will be described.

1 (d1) relates to the first step of [the process of generating payment request information].

In (d1), payment request information 7560 is generated from store identification information 7520 , payment amount data 7530 , and card information 7550 .

1 (d2) relates to the second step of [the process of generating payment request information].

In (d2), payment request information 7560 is transmitted to the center system 2100.

[Process of interpretation of payment request information]

The analysis process of payment request information in payment-related processing by the center system is as follows.

Following [the process of generating payment request information] above, the following is performed in the center system.

(1) a first step of receiving payment request information generated by a smart phone for management; (2) a second step of extracting store identification information, payment amount data, and card information from the payment request information; (3) Information including a third step of generating payment result information for a result of payment processing (eg .... ) based on the payment amount data and card information, and replying the payment result information to a smart phone for management processing process.

With reference to (e1) to (e4) of FIG. 1 , a processing flow for the above-described [process of interpreting payment request information] will be described.

1 (e1) relates to the first step of [the process of interpreting payment request information].

In (e1), payment request information 7560 transmitted from the smart phone 2510 for management is received.

1 (e2) relates to the second step of [the process of interpreting payment request information].

In (e2), store identification information 7520, payment amount data 7530, and card information 7550 are extracted from the payment request information 7560 by the payment processing program 3120.

1 (e3) to (e4) relate to the third step of [the process of analyzing payment request information].

In (e3), payment result information regarding the result of payment processing based on the payment amount data 7530 and the card information 7550 (eg, according to the authentication management program 3110 ....) While 7110 is generated, in (e4), the payment result information 7110 is returned to the management smart phone 2510.

In addition, since this information processing process is a general information processing process related to the payment processing performed by the payment service provider in the existing card payment, even when the payment service provider employs the technology according to the present invention, no change is made to the existing information processing process Payment can be processed.

[Process of generating processing instruction information]

The process of generating processing instruction information in the information processing function of the management smartphone is as follows.

Following the above [Payment request information interpretation process], the following is performed on the management smartphone.

(1) a first step of receiving payment result information generated in the center system; (2) processing instruction information based on the payment result information is generated, and the processing instruction information is stored locally in the data processing device 2520 It is an information processing process including a second step of being transmitted.

1 (f1) - (f3), the processing flow for the above-mentioned [process command information generation|generation process] is demonstrated.

Fig. 1 (f1) shows a processing flow related to the first step of [process command information generation process].

In (f1), payment result information 7110 generated by the center system 2100 is received.

1 (f2) to (f3) show the processing flow for the second step of the [process command information generation process].

In (f2), processing instruction information 7570 based on the payment result information 7110 is generated, and in (f3), the processing instruction information 7570 is locally transmitted to the data processing device 2520 .

[Process of analyzing processing instruction information]

An analysis process of processing instruction information in the payment control function of the data processing device 2520 is as follows.

Following the above-mentioned [process of generating processing instruction information], the following is performed in the data processing device 2520 .

(1) a first step in which processing instruction information generated by the management smartphone is received; (2) processing data based on the processing instruction information is generated, and the processing data is transmitted inside and outside the data processing device 2520 It is an information processing process including a second step that is output to a peripheral device installed in the .

With reference to Figs. 1 (g1) to (g2), the processing flow for the above-described [process command information analysis process] will be described.

Fig. 1 (g1) shows the processing flow for the first step of [process command information analysis process].

In (g1), processing instruction information 7570 generated by the management smartphone 2510 is received.

Fig. 1 (g2) shows the processing flow for the second step of the [process command information analysis process].

In (g2), processing data 7580 based on the processing instruction information 7570 is generated, and the processing data 7580 is, for example, audio data (“0000 won was normally paid”, etc.) It is output to the raw speaker 2530, and is also output to the receipt printer 2560 as, for example, print data (receipt data or transaction history data).

In addition, the print data (here, receipt data) is, for example, the receipt data 7531 output from the POS terminal 2550 to the receipt printer 2560 in FIG. 1 (B1) of the data processing device 2520 Acquired by interrupt processing, in FIG. 1 (G1), data exchange with the data processing device 2520 through the user smart phone 2410 (eg, BLE -Bluetooth Low Energy- through proximity wireless communication) When a user's smartphone equipped with a dedicated application that can be used is tagged (closed) to the data processing device 2520, the data processing device 2520 and the user smart phone are tagged through the tagging interface of the data processing device 2520. Local communication between the phones 2410 is uniquely established, and the corresponding receipt data 7531 may be configured to be locally transmitted from the corresponding data processing device 2520 to the corresponding user's smartphone 2410 .

Here, in each of the above-described information processing processes, it has been described that the acquisition of card information is performed by the management smartphone in the [Payment means information analysis process], but it may be configured to perform this in the center system.

In this configuration, the information processing process of the first step and the second step described in the above-mentioned [Payment method information analysis process] is omitted, and, in the above-mentioned [Payment request information generation process], store identification It is configured to be generated from information, payment amount data, and payment method information, and in the second step of the above-described [payment request information analysis process], store identification information, payment amount data, and payment method information are extracted from the payment request information It is configured such that the extracted payment method information is analyzed by, for example, an OCR function or an image identification function, and card information is extracted.

Also, the outline of the data flow for the payment control function of the data processing device is shown in FIG. 3 .

In the step (1) of FIG. 3, the receipt data output from the POS terminal 2550 to the receipt printer 2560 is interrupted by the data processing device 2520 to obtain payment amount data 7530 from the receipt data. The corresponding payment amount data 7530 is stored in the memory of the data processing device 2520 by a method or a method of acquiring the payment amount data 7530 input by the tenkey 2570 connected to the data processing device 2520. It is recorded.

In the step (2) of FIG. 3 , the payment method information 7510 that is the image data of the payment card 6410 photographed by the camera 2530 of the data processing device 2520 is the data processing device 2520 . written to memory.

In the step (3) of FIG. 3, the management smart phone 2510 in a certain range (radio arrival distance) is sensed by the tagging interface of the data processing device 2520, and at the same time, for example, the data processing Local communication via the communication control unit 5580 (Communication Control Unit) of the device 2520 and the BLE communication module 4510 of the corresponding management smart phone 2510 is uniquely established.

In the step in FIG. 3 ( 4 ), for example, the payment method information 7510 and payment amount data 7530 from the memory by the authentication data generating module 5540 of the data processing device 2520 . ) is extracted, and basic payment information is created.

In step (5) of FIG. 3 , for example, payment basic information 7540 generated by the authentication data generation module 5540 by the data request module 5550 of the data processing device 2520 is managed It is transmitted locally to the smartphone 2510 for

In the step in (6) of FIG. 3, for example, the payment method information 7510 of the basic payment information 7540 is image analyzed by the data processing device control program 4520 of the management smart phone 2510. It is delivered to the program 4530 , and the payment method information 7510 is analyzed by the image analysis program 4530 , and card information 7550 is acquired at the same time. Here, the image analysis program 4530 may be referred to as an image analysis unit.

In the step in (7) of FIG. 3, for example, store identification information (store QR code of) registered in the smart phone 2510 for management by the payment processing program 4540 of the smart phone 2510 for management. Text data acquired by decryption), payment request information 7560 including payment amount data 7530 of the basic payment information, and the card information 7550 is generated. The generated payment request information 7560 is transmitted to the center system 2100 of the payment service provider through an API, for example.

In step (8) of FIG. 3, the information processing described in the analysis process of the above payment request information 7560 in the center system 2100 is performed according to the payment request information 7560, and at the same time, payment result information ( 7110) is generated, and the payment result information 7110 is returned to the management smart phone 2510.

In step (9) of FIG. 3 , for example, processing instruction information 7570 is generated according to the payment result information 7110 returned to the management smartphone 2510, and the generated processing instruction information 7570 is transmitted locally to the data processing device 2520 .

In the step (10) of FIG. 3, for example, the processing instruction information 7570 locally transmitted to the data processing device 2520 is interpreted by the processing instruction module 5560 to generate processing data 7580. At the same time, the processing data 7580 is, for example, voice data through a peripheral I/O device control unit (for example, “0000 won has been paid normally.”, etc.) It is output from the raw speaker 2540 and, for example, is output to the receipt printer 2560 as print data (receipt data and transaction specification data), or to the user's smartphone 2410 equipped with the print data-only application. transmitted locally.

As described above, according to the first embodiment according to the present invention, the store does not require expensive equipment (POS system, CAT terminal, QR code scanner, etc.) or network environment, and the palm-sized data processing device 2520 and It becomes possible to respond to card payments only with a smartphone for management.

[Embodiment 2]

A second embodiment of the present invention will be described.

Embodiment 2 of the present invention relates to "payment control related to code payment (CPM method)".

In the payment control function of the data processing device 2520, in the [payment method information acquisition process], [the payment basic information generation process] and [the processing instruction information analysis process], and in the information processing function of the management smartphone Includes [process of analysis of basic payment information], [process of generating payment request information], [process of generating processing instruction information], and [process of interpreting payment request information] of payment-related processing by the payment provider's center system .

Hereinafter, each of the above steps will be described according to the processing flow of the second embodiment.

In addition, the schematic diagram of the process flow which concerns on Embodiment 2 is shown in FIG.

[Process of obtaining payment method information]

A process of obtaining payment method information in the payment control function of the data processing device 2520 is as follows.

First, when a code payment (CPM method) is selected on the user's smartphone by a predetermined operation of the user on the user's smartphone, the QR code of the corresponding code payment (CPM method) A QR code for identifying a user provided to a user from a payment provider based on a contract, hereinafter "user QR code") is displayed on the corresponding user's smartphone, and in the data processing device 2520, the following is performed.

(1) a first step in which a user's smartphone displaying a user QR code is tagged (installed near or in a predetermined place), and (2) the user QR code is photographed by a camera of the data processing device 2520 It is an information processing process including step 2 and (3) a third step in which the photographed user QR code image data is recorded in the memory of the data processing device 2520 .

With reference to Figs. 1 (a1) to (a3), the processing flow related to the above-described [procedure of payment method information] will be described.

Fig. 1 (a1) relates to the first step of [the process of obtaining payment method information].

In (a1), the user's smartphone 2410 displayed with the user QR code 6420 by the user 1400 is tagged to the data processing device 2520 .

Here, for the method of tagging the user's smartphone to the data processing device 2520, the user (A) approaches the user's QR code display screen of the user's smartphone toward the camera of the data processing device 2520 at a predetermined position and (B) the tagging guide of the data processing device 2520 for the user's QR code display screen of the user's smartphone (for example, a transparent plastic plate folded in a "C" shape is covered by the data processing device 2520) , when the user's QR code display screen of the user's smartphone is placed on the top of the transparent plastic plate toward the camera, the position of the user's QR code display screen becomes the optimal shooting position from the camera lens of the data processing device 2520 There is a way to install it in the guide).

As described in the first embodiment, according to the method (A), the user's QR code display screen is displayed from the camera of the data processing device 2520 in a state in which the user's smartphone is supported by the user's hand (the state with shaking). Since it approaches a certain position, it may take time for the camera's auto-focus for the user's QR code, and since the user's QR code display screen is exposed to the surroundings, for example, the user due to abuse by skimming may increase the risk.

Therefore, in Embodiment 2 of the present invention, the method of Fig. (B) is adopted.

Fig. 1 (a2) relates to the second step of [the process of obtaining payment means information].

In (a2), the user QR code 6420 of the user's smartphone 2410 tagged to the data processing device 2520 (here, by the method of B described above) is photographed by the camera of the data processing device 2520 . do.

In addition, regarding the timing of shooting of an object to be photographed by the camera of the data processing device 2520 (here, the user QR code display screen of the user's smartphone), for example, the entire object to be photographed (here, the user QR code The camera control program of the data processing device 2520 is executed so that the image capturing object is located at the shortest distance within the image capturing area (focus) of the camera. configurable.

Such a configuration can be realized, for example, by setting the above-described tagging guide to a predetermined specification (the value of the specification element shown in Fig. 2 that determines the shape of the tagging guide in which the position of the photographing object satisfying the photographing timing is secured), , according to this configuration, payment processing is performed only by the user tagging the user's smartphone to the tagging guide (putting the user's QR code display screen of the user's smartphone down on the top surface of the tagging guide, etc.) It is possible to build a smart payment environment that is much more economical and convenient compared to the existing payment environment using a QR code scanner linked with the .

Fig. 1 (a3) relates to the third step of [procedure of payment method information].

In (a3), payment method information 7510 that is image data of the user QR code 6420 captured by the camera of the data processing device 2520 is recorded in the memory of the data processing device 2520 .

[Process of creating basic payment information]

The process of generating basic payment information in the payment control function of the data processing device 2520 corresponds to the description of [Process of analyzing basic payment information] in the first embodiment.

[Interpretation process of basic payment information]

The analysis process of basic payment information in the information processing function of the smart phone for management is as follows.

Following the above [Generation process of basic payment information], the following is performed on the smart phone for management.

(1) a first step of obtaining payment method information (here, user QR code image data) and payment amount data by analyzing basic payment information transmitted locally from the data processing device 2520; (2) the payment method information It is an information processing process including a second step in which user information (information necessary for code payment, including user identification information) is obtained from the decoding (decryption) function.

With reference to (c1) to (c2) of FIG. 1 , a processing flow for the above-described [process of analysis of basic payment information] will be described.

1 (c1) relates to the first step of [the process of interpreting basic payment information].

In (c1), payment basic information 7540 locally transmitted from the data processing device 2520 is analyzed to obtain payment method information 7510 and payment amount data 7530 .

1 (c2) relates to the second step of [the process of interpreting basic payment information].

In (c2), user information 7420 is obtained from payment method information 7510 .

[Process of generating payment request information]

The process of generating payment request information in the information processing function of the management smartphone is as follows.

Following the above [process of interpretation of basic payment information], the following is performed on the management smartphone.

(1) a first step of generating payment request information from store identification information, payment amount data, and user information; It is an information processing process including a second step of being transmitted to the center system of the payment service provider based on the

With reference to (d1) to (d2) of FIG. 1 , a processing flow for the above-described [process of generating payment request information] will be described.

1 (d1) relates to the first step of [the process of generating payment request information].

In (d1), payment request information 7560 is generated from the store identification information 7520 , the payment amount data 7530 , and the user information 7420 .

1 (d2) relates to the second step of [the process of generating payment request information].

In (d2), payment request information 7560 is transmitted to the center system 2100.

[Process of interpretation of payment request information]

The analysis process of payment request information in payment-related processing by the center system is as follows.

Following [the process of generating payment request information] above, the following is performed in the center system.

(1) a first step of receiving payment request information generated by a smart phone for management; (2) a second step of extracting store identification information, payment amount data, and user information from the payment request information; (3) It is an information processing process including a third step of generating payment result information on a result of payment processing based on the payment amount data and user information, and replying the payment result information to a management smartphone.

With reference to (e1) to (e4) of FIG. 1 , a processing flow for the above-described [process of interpreting payment request information] will be described.

1 (e1) relates to the first step of [the process of interpreting payment request information].

In (e1), payment request information 7560 transmitted from the smart phone 2510 for management is received.

1 (e2) relates to the second step of [the process of interpreting payment request information].

In (e2), store identification information 7520, payment amount data 7530, and user information 7420 are extracted from the payment request information 7560 by the payment processing program 3120.

1 (e3) to (e4) relate to the third step of [the process of analyzing payment request information].

In (e3), payment result information 7110 regarding the result of payment processing (eg, according to the authentication management program 3110) based on the payment amount data 7530 and the user information 7420 is Along with being generated, in (e4), the payment result information 7110 is returned to the management smart phone 2510.

In addition, since this information processing process is a general information processing process related to the payment processing performed by the payment service provider in the existing code payment, even when the payment service provider employs the technology according to the present invention, there is no change in the existing information processing process. Payment can be processed.

[Process of generating processing instruction information]

The process of generating processing instruction information in the information processing function of the management smartphone is the same as described in [Processing instruction information generation process] of the first embodiment.

[Process of analyzing processing instruction information]

The analysis process of processing instruction information in the payment control function of the data processing device 2520 conforms to the description of [Processing instruction information analysis process] of the first embodiment.

5 shows the structure and architecture of a data processing apparatus.

Referring to FIG. 5 , the data processing device 2520 may be connected to a peripheral device through any one of serial communication, USB communication, and I2C communication. Here, the peripheral device may include, for example, a keypad, a scanner, a speaker, and a display.

Also, the data processing device 2520 may be connected to a data host through serial communication or USB communication. Here, the data host may be, for example, a POS terminal, a prescription, a number ticket, or a parking ticket.

Also, the data processing device 2520 may be connected to a smart phone through Bluetooth (BLE) or a magnet (Magnet). A smart phone may be connected to a server through WIFI or LTE.

Also, the data processing device 2520 may be connected to a data slave through serial communication or USB communication. The data slave may be, for example, a printing device.

As described above, according to the first and second embodiments according to the present invention, the store does not introduce a POS system (expensive POS terminal, card payment terminal, QR code scanner, etc.) and without maintaining the network environment. , it becomes possible to respond to all smart payments, such as card payments and code payments, only with the palm-sized data processing device 2520 and management smart phone.

Up to now, in the present invention, (1) in offline transaction, information on various payment methods presented by a user is safely and easily received, and a payment result by the corresponding payment method is clearly communicated between the store and the user. It relates to an apparatus and method for checking, and (2) smart payment in offline transactions without changing the existing payment-related processing in the center system of the payment service provider, and without requiring smartphone operation in the store , with respect to the device and method that the user can control only by tagging the payment method, and (3) the problem of the existing multi-payment method using a smartphone app in offline transactions (for example, in a plurality of stores Implementation of an apparatus and method for performing information acquisition control and information notification control to solve economic and operational problems caused by a plurality of facilities of a smartphone, security problems due to information exposure in presentation of payment methods, etc.) Although described in Embodiment 1 or Embodiment 2, the aspect of the present invention is not limited thereto, and the present invention applies an implementation model of a payment control function in an online transaction to an offline transaction and is provided to a store according to various aspects.

For example, the multi-payment method in offline transaction using the smart phone app described above is based on a technology related to online payment performed at an EC site such as an Internet shopping mall, and an EC site using a PC or a smartphone In the existing online payment in , in the payment (screen) for products in the shopping cart (software for order processing), the user selects a payment method (eg credit card) and provides card information (eg credit card number or expiration date) , user name, CVC information, etc.) and confirming the payment, the card information is transmitted to the center system (eg, the center system of the payment agency), and the center system is based on the transmitted card information. As payment processing is performed, for example, if such card information is acquired by the operator of the corresponding Internet shopping (EC site) or malicious hacker, there is a possibility that it may be abused by the operator or the hacker. For this purpose, in such Internet shopping (EC site), for example, a payment control function by an API or embedded connection module provided by a credit card company or a payment agency is implemented in a program for a payment process provided independently. .

The payment control function as described above is designed to operate independently from the web app or smartphone app program provided to the user by the Internet shopping (EC site) operator, or the network path. Independent operation in payment, that is, a terminal in which a user borrows a payment card (eg credit card) from a dedicated CAT (card authentication terminal <Credit Authorization Terminal>), usually a credit card operator or a payment agent operator, to a store, e.g. For example, tagging (including the function of reading card information recorded on the magnetic tape or IC chip of the payment card) (here, inserting the card into the card slot of the CAT concerned), or the user using a smartphone (equipped with a payment app) by tagging to a dedicated reader (including, for example, a function to obtain card information registered by the user from the smartphone through proximity wireless communication <NFC>), do not expose card information (payment method information) to the store The main purpose is to acquire payment method information that can avoid user risk due to information leakage, similar to independent operation such as transmitting it to the center system through a dedicated network.

That is, the payment control function is a function for controlling payment by an independent operation whose main purpose is to acquire payment method information capable of avoiding user risk due to information leakage. For the implementation of such a payment control function, for example, The explanation is as follows.

In the online transaction, since it is provided (free distribution or publicly available) as a built-in program in the web app, the burden on the implementation work or implementation cost of the Internet service provider can be suppressed. However, in offline transactions, it is necessary to rent or purchase a CAT or a dedicated reader for a fee, to establish a dedicated network, and to link it with the existing POS system. had a task.

In the present invention, in order to solve such problems in offline transactions, as a configuration for applying the implementation model of the payment control function in the online transaction to the offline transaction, in particular, [payment method information in the payment control function of the data processing device] Information processing process including [process of obtaining basic payment information] and [process of interpreting processing instruction information] and [process of interpreting basic payment information] in the information processing function of the smart phone for management and the information processing process including [process of generating payment request information] and [process of generating processing instruction information] has been described.

Here, in various aspects of the present invention, for example, in the [payment method information acquisition process] of the first embodiment, the payment card is photographed with the camera of the data processing device to acquire image data of the payment card; Regarding the configuration in which the image data is analyzed and card information of the corresponding payment card is acquired in the [Payment basic information analysis process], this is used as a payment card by a card reader connected to the data processing device in the [Payment method information acquisition process] In a form configured to acquire card information by reading the You can think of the sun.

Of course, in this case, there is a cost to install a card reader or QR code scanner connected to the data processing device in the store, but it is not a big burden considering the security provided by the prior art to the user.

In addition, if the OCR function or image identification function of the smart phone for management in the [Payment basic information analysis process] is implemented in the data processing device, the card from the payment card or the user QR code in the above [Payment method information acquisition process] Information or user information can be directly acquired, so that the generation of payment request information in the [payment request information generation process] can be performed in the data processing device, and the [payment basic information analysis process in the management smartphone] ] or [the process of generating payment request information] is also conceivable.

According to this aspect, the management smartphone transmits payment request information locally transmitted from the data processing device to the center system, and generates processing instruction information to be generated based on the payment result information returned from the center system to the data processing device. Because it does not require any operation of a smartphone in a store that is performed in the prior art of the multi-payment method in the offline transaction using the above-mentioned smartphone app, it only needs to function as a gateway of the so-called network, which is transmitted locally to For example, in the case of a small store, the store owner's smartphone can be used as a management smartphone without separately preparing a management smartphone (a separate contract with a telecommunication service provider). , In addition, for example, even when used in large stores such as department stores or outlets, since there is no need to prepare a management smartphone for each store, economic and operational burdens do not become a problem.

Features, structures, effects, etc. described in the above embodiments are included in one embodiment of the present invention, and are not necessarily limited to one embodiment. Furthermore, features, structures, effects, etc. illustrated in each embodiment can be combined or modified for other embodiments by those of ordinary skill in the art to which the embodiments belong. Accordingly, the contents related to such combinations and modifications should be interpreted as being included in the scope of the present invention.

In addition, although the embodiment has been mainly described in the above, this is only an example and does not limit the present invention, and those of ordinary skill in the art to which the present invention pertains are exemplified above in a range that does not depart from the essential characteristics of the present embodiment It can be seen that various modifications and applications that have not been made are possible. For example, each component specifically shown in the embodiment can be implemented by deformation|transformation. And differences related to such modifications and applications should be construed as being included in the scope of the present invention defined in the appended claims.

1100 Payment Operation Center
1400 users
1500 stores
2100 Center System
2110 Payment Management Server
2120 DB Management Server (Data Base Management Server)
2410 user smartphone
2510 Management Smartphone
2520 data processing unit
2530 camera
2540 speakers
2550 POS terminal
2560 Receipt Printer
2570 tenkey or keypad
3110 Authentication Management Program
3120 Payment processing program
3400 dedicated app
3500 management app
4510 BLE Communication Module
4520 data processing unit control program
4530 Image Analysis Program
4540 Payment Processing Program
5110 User Management Data Base
5120 Shop Management Data Base
5130 Log History Management Data Base
5140 data storage
5510 Input Data Receive Module
5520 APP Data Receive Module
5530 Received Data Analyze Module
5540 ATH Data Generation Module
5550 Data Request Module (Verification Acquire Module)
5560 Processing Order Module
5570 Receipt Data Output Module
5580 Communication Control Unit
6410 payment card
6420 User QR Code
7110 Payment result information
7120 Transaction History Information
7410 User Identification Information
7420 User Information
7510 Payment Method Information
7520 Store Identification Information
7530 Payment Amount Data
7531 Receipt Data
7540 Payment Basics
7550 Card Information
7560 Payment Request Information
7570 Processing Order Information
7580 processing data
7590 print data

Claims (27)

In the smart payment control method in a data processing device,
a payment method information obtaining step of obtaining payment method information of the user payment method;
A payment basic information generating step of generating basic payment information based on the payment amount data received from the payment amount data output device and the payment method information;
transmitting the basic payment information to a management terminal;
a receiving step of receiving processing instruction information that is a response to the basic payment information from the management terminal; and
a process data generation step of generating process data based on the process instruction information;
Including, a smart payment control method.
The method of claim 1, wherein the obtaining of the payment method information comprises:
A smart payment control method for obtaining the payment method information of the user payment method through a camera provided in the data processing device.
3. The method of claim 2,
The user payment means is a card,
The payment method information is the card image information, a smart payment control method.
3. The method of claim 2,
The user payment means is a QR code displayed on the screen of the user terminal,
The payment method information is the QR code image information, a smart payment control method.
The method according to claim 1, wherein in the transmitting step and the receiving step,
The data processing device and the management terminal transmit and receive the basic payment information and the processing instruction information through short-distance communication, a smart payment control method.
The method of claim 1,
The processed data is voice data,
The step of converting the voice data into a voice signal and outputting it through a speaker; further comprising, a smart payment control method.
The method of claim 1,
The processing data is print data,
Transmitting the print data to the receipt printer; further comprising, a smart payment control method.
The method of claim 1,
The payment amount data output device is a POS terminal,
The payment basic information generating step further comprises interrupting receipt data output from the POS terminal to a receipt printer, and obtaining the payment amount data from the receipt data.
The method of claim 1,
The payment amount data output device is tenkey,
The step of generating the basic payment information includes the step of obtaining the payment amount data from the tenkey, a smart payment control method.
The method of claim 1,
In the payment basic information generation step, the payment method information is image-analyzed to generate the basic payment information based on the analyzed data and the payment amount data, a smart payment control method.
In the smart payment control method in the management terminal,
an information acquisition step of receiving basic payment information received from a data processing device, and acquiring payment method information and payment amount data from the basic payment information;
a payment request information generating step of generating payment request information based on the payment method information, the payment amount data, and the store identification information;
a first transmission step of transmitting the payment request information to a center system that performs payment processing;
a receiving step of receiving payment result information that is a response to the payment request information from the center system; and
a second transmission step of generating processing instruction information based on the payment result information and transmitting the processing instruction information to the data processing device;
Including, a smart payment control method.
12. The method of claim 11,
The payment method information includes card image information,
The payment request information generation step may include obtaining card information, which is text data including a card number, card validity period, and user name, from the card image information, and based on the card information, the payment amount data, and the store identification information A smart payment control method for generating the payment request information.
12. The method of claim 11,
The payment method information includes QR code image information,
In the payment request information generation step, user information that is user identification information required for code payment is obtained from the QR code image information, and the payment request information is generated based on the user information, the payment amount data, and the store identification information. A smart payment control method.
a payment method information obtaining module for obtaining payment method information of the user payment method;
a memory for storing payment amount data received from the payment amount data output device and storing the payment method information;
an authentication data generation module that generates basic payment information based on the payment method information and the payment amount data;
a communication control unit for transmitting the basic payment information to a management terminal and receiving processing instruction information that is a response to the basic payment information from the management terminal; and
a processing instruction module for generating processing data based on the processing instruction information;
comprising, a data processing device.
15. The method of claim 14,
The payment method information obtaining module is a camera for photographing the payment method information of the user payment method, a data processing device.
16. The method of claim 15,
The user payment means is a card,
and the payment means information is the card image information.
16. The method of claim 15,
The user payment method is a QR code,
The payment means information is the QR code image information, a data processing device.
15. The method of claim 14,
wherein the communication control unit transmits and receives the basic payment information and the processing instruction information through short-distance communication with the management terminal.
15. The method of claim 14,
The processed data is voice data,
and a speaker for receiving the audio data and outputting an audio signal.
15. The method of claim 14,
The processing data is print data,
and a peripheral I/O device control unit that transmits the print data to a receipt printer.
15. The method of claim 14,
The payment amount data output device is a POS terminal,
The authentication data generating module is configured to interrupt receipt data output from the POS terminal to a receipt printer, and obtain the payment amount data from the receipt data.
15. The method of claim 14,
The payment amount data output device is tenkey,
The authentication data generating module is configured to obtain the payment amount data from the ten-key, a data processing device.
15. The method of claim 14,
The authentication data generating module is configured to analyze the image of the payment method information to generate the basic payment information based on the analyzed data and the payment amount data.
a short-distance communication unit for receiving basic payment information received from the data processing device;
a controller for obtaining payment method information and payment amount data from the basic payment information, and generating payment request information based on the payment method information, the payment amount data, and the store identification information; and
a communication unit that transmits the payment request information to a center system that performs payment processing, and receives payment result information that is a response to the payment request information from the center system;
The control unit generates processing instruction information based on the payment result information,
The short-distance communication unit transmits the processing instruction information to the data processing device, a management terminal.
25. The method of claim 24,
The payment method information includes card image information,
The control unit obtains card information, which is text data including a card number, a card validity period, and a user name, from the card image information, and the payment request information based on the card information, the payment amount data, and the store identification information A terminal for management that creates a.
25. The method of claim 24,
The payment method information includes QR code image information,
The control unit obtains user information that is user identification information required for code payment from the QR code image information, and generates the payment request information based on the user information, the payment amount data and the store identification information, for management terminal.
arranged to cover the data processing device on a data processing device having a camera,
a transparent plate disposed to be spaced apart from the camera by a predetermined distance; and
Including; support plates for supporting both sides of the transparent plate, respectively,
The predetermined distance is a shortest distance for an object to be photographed to enter the focus of the camera, the tag guide.

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