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KR101872682B1 - On / offline combination Payment System and method for payment using the same - Google Patents

On / offline combination Payment System and method for payment using the same Download PDF

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Publication number
KR101872682B1
KR101872682B1 KR1020170162532A KR20170162532A KR101872682B1 KR 101872682 B1 KR101872682 B1 KR 101872682B1 KR 1020170162532 A KR1020170162532 A KR 1020170162532A KR 20170162532 A KR20170162532 A KR 20170162532A KR 101872682 B1 KR101872682 B1 KR 101872682B1
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KR
South Korea
Prior art keywords
store
settlement
platform
line
payment
Prior art date
Application number
KR1020170162532A
Other languages
Korean (ko)
Inventor
박해선
박상록
Original Assignee
박해선
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Publication date
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Priority to KR1020170162532A priority Critical patent/KR101872682B1/en
Priority to PCT/KR2018/007257 priority patent/WO2019107689A1/en
Application granted granted Critical
Publication of KR101872682B1 publication Critical patent/KR101872682B1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The present invention can be applied to a platform for providing an information providing service such as a web or an application (hereinafter, referred to as a " Naver, " Google, etc.), and the platform provides a page that enables online or offline reservation of the individual or small-sized store. In the server for management and payment, not only offline but online reservation, An on / off line combination settlement system and a settlement method using the same.

Description

[0001] The present invention relates to an on / offline combination payment system and a payment method using the same,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system, and more particularly, to an on / off line combination payment system and a payment method using the same, which enable simple payment in small-scale online and small-scale offline stores.

In general, a POS system is a system for registering, aggregating, and managing sales at the time of selling a product to provide various sales and management information necessary for the manager. That is, the sales information collected by the optical automatic reading type register and the various information generated at the stage such as the purchase / delivery are sent to the host computer and processed, processed and transmitted as information that can be effectively used for the purpose of each part System. Unlike existing programs, it can be used both as a local and a web method. It provides not only efficient store management but also systematic customer management

At the time of settlement, the purchaser selects various payment means stored in the web or the app, and transmits the data of the payment means stored in the app, the web, or the server and the data of the purchaser himself to the terminal of the store. The buyer confirms payment amount data and store data and confirms it by password, certificate, etc., and confirms it by payment, Complete

In this case, various payment methods used on-line can be used offline. For example, there are mobile phone payment, credit card payment, electronic money, etc. In particular, when ordering by phone such as delivery food order, The payment information can be displayed on the terminal of the shop at the same time that the purchaser can settle the payment in various ways.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a POS system and a method of using the POS system according to the related art will be described with reference to the accompanying drawings.

1 is a view for explaining a conventional POS system and a method of using the same.

As shown in FIG. 1, a POS system and a method of using the POS system according to the related art includes a plurality of first to Nth store POS terminals 10, 20, and 30 and a financial company server 40.

In this case, the first to Nth store POS terminals 10, 20 and 30 are connected to the financial company server 40 on a one-to-one basis, And only the business status is checked. Here, the execution of the apparatus is in the case of being in operation, and the case in which the operation is terminated when the apparatus is terminated. Also, POS system is simply used to obtain information by acquiring LOG value generated at POS.

This is particularly the case for an individual or a small-scale offline store. In the case of an individual or a small-scale offline store, neither a reservation nor an online settlement is provided.

Patent Document 1: Korean Patent Laid-Open Publication No. 10-2015-0130715 - Method of using an online payment means offline using various terminals and programs Patent Document 2: Korean Patent Publication No. 10-2008-0046953 - POS terminal and mediation server

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a POS terminal of an individual or a small- To a platform (next, Naver, Google, etc.) providing information providing services such as the web or an app, and the platform provides a page enabling online or offline reservation of the individual or small-sized store, Off-line payment system that can process not only offline but also on-line reservation, order and the like to a financial company server and settlement, and a settlement method using the same.

In order to achieve the above object, the on / off line combination settlement system of the present invention includes: a plurality of first to Nth store POS terminals (110, 120) which are POS terminals of a store where online transactions, offline transactions or sales are available; The first to Nth store POS terminals 100, 110 and 120 are connected to the first to Nth store POS terminals 110 and 120 of the store where online and offline transactions or sales are available, Transmits a request item or requirement from a person's PC or mobile to a platform that provides the information service, performs settlement of the POS terminal at the store, handles payment for the store POS terminal and the platform transaction, It is possible to process the requests or requirements of the terminal or the store person concerned from the PC or mobile according to the platform and transfer it to the POS terminal of the store or the PC or the mobile of the store person and to make reservation and settlement of the offline store with the platform An on-line / off-line store management and payment server 200; First to Nth platforms 310, 320, and 330 for providing information providing services such as web or apps; And a financial company server 400 including a bank, a card company, or PayPal.

The on / offline store management and payment server includes a communication unit 210 for communicating with the store POS terminal, a platform, and a financial company server, and a communication unit 210 for storing the location, phone number, A database (220) for storing information to be transmitted to the platform, including sales related information requested and requested, event information, and various requirements requested or requested by the platform at the store, A shop / platform settlement processing unit 240 that performs settlement processing for settlement and periodic settlement that must be provided as a platform in a store when providing services to customers, a platform / The customer or the customer's payment request is accessed from the financial server A store / financial transaction processing unit 260 for each store, and a request / performance processing unit 260 for each store that can perform daily, weekly, monthly, and yearly processing, A payment processing unit 270 for processing a reservation and settlement in cooperation with a financial company server, and a communication unit 210, a database 220, an application information storage unit 230, a store / platform payment processing unit 240, And a control unit 280 for controlling the payment / settlement processing unit 250, the request / performance processing unit 260 for each store, and the reservation / settlement processing unit 270.

In order to achieve the above object, the present invention provides a settlement method using an on / off line combination settlement system, comprising: storing information on a store including a location of a store, a telephone number, a sale item, (S100); A step (S110, S120) in which the on-site and off-line store management and payment server receives the store-specific requirements and event information from a point-of-sale (POS) system for each store; A step (S 130) in which information received at the on-line / off-line store management and payment server is transmitted to a platform for providing information providing services of the web or an app; A step S150 of exposing the store request item and the event information to a general consumer or a customer's PC or mobile through the platform; The on-line and off-line store management and payment server processes the settlement through the financial server when the store reservation and settlement are requested from the platform (S160); And the on-line / off-line store management and payment server processes the performance of each store according to the platform and the performance according to the event (S170), and transmits the processing result to the store manager PC or mobile (S180) .

According to the embodiment of the present invention, the following effects can be obtained.

First, a server that manages and solves payment for POS terminals of individuals or small-scale stores is used to provide the requests or requests of individuals or small-sized stores to a platform (hereinafter referred to as "Naver", "Google" Etc.).

Second, on the platform, it is possible to advertise and publicize by providing a page that enables online or offline reservation of the individual or small store, thereby improving the performance of individual or small store.

Third, in the server that performs management and settlement, not only off-line but also online booking, order, etc. are processed by a server of a financial institution and settlement of accounts.

1 is a view for explaining a POS system according to the prior art.
FIG. 2 is a block diagram illustrating an on / off line combination settlement system according to the present invention. Referring to FIG.
FIG. 3 is a view for explaining an embodiment of an on-line / off-line store management and settlement server in the on / offline line settlement system shown in FIG.
4 is a diagram for explaining a settlement method using an ON / OFF-line combination settlement system according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In addition, although the term used in the present invention is selected as a general term that is widely used at present, there are some terms selected arbitrarily by the applicant in a specific case. In this case, since the meaning is described in detail in the description of the relevant invention, It is to be understood that the present invention should be grasped as a meaning of a term that is not a name of the present invention. Further, in describing the embodiments, descriptions of technical contents which are well known in the technical field to which the present invention belongs and which are not directly related to the present invention will be omitted. This is for the sake of clarity of the present invention without omitting the unnecessary explanation.

FIG. 2 is a block diagram illustrating an on / off line combination settlement system according to the present invention. Referring to FIG.

2, the on / off line binding settlement system according to the present invention includes a plurality of first to Nth store POS terminals 100, 110 and 120, an on / off line store management and settlement server 200, First to Nth platforms 310, 320, and 330 for providing services for various kinds of information such as the web or an app, and a financial server 400 for processing financial settlement.

The plurality of first to Nth store POS terminals 100, 110, and 120 are POS terminals of a store where online transactions, offline transactions, and sales are available. There is no particular limitation on such a store.

The on-line / off-line store management and settlement server 200 is connected to the POS terminals of the stores where online and offline transactions or sales are available, and requests requests from store POS terminals, store PCs or mobile (mobile phones, smart phones, smartpads, etc.) Or requests to a platform that provides information service, performs settlement of POS POS terminals in the store, processes settlement between POS POS and platform transactions, requests requests from store POS terminals, stores PC or mobile The performance of each item or requirement is processed by platform and transmitted to the POS terminal of the store or the PC or mobile of the shop concerned. In addition, reservation and settlement for offline stores, which were not possible in the past, are performed in cooperation with the platform.

The first to Nth platforms 310, 320, and 330 that provide information providing services such as the web or an app may be servers of companies that provide various information through the web or an application such as Naver or Google. have.

The financial company server 400 may be a bank, a credit card company, Paypal, or the like.

FIG. 3 is a view for explaining an embodiment of an on-line / off-line store management and payment server in the on / offline line payment system shown in FIG.

3, the embodiment of the on / off line store management and payment server in the on / off line combination payment system shown in FIG. 2 includes a communication unit 210, a database 220, an application information storage unit 230, A platform settlement processing unit 240, a store / financial institution settlement processing unit 250, a store-specific request / performance processing unit 260, a reservation, payment processing unit 270 and a control unit 280.

The communication unit 210 communicates with the first through the n-th POS terminals, platforms and financial service servers.

The database 220 includes a store information database 221, a store requirement database 222, and an event information database 223 for each store, and stores information such as a store location, a telephone number, a sale item, Store information about the sales information (commodity, price, etc.) required by the platform at the store and information to be transmitted to the platform such as event information.

The application information storage unit 230 can conveniently access the on-line / off-line store management and settlement server 200 through a plurality of on-line offline store managers or parties through their mobile devices, i.e., smart phones, smart pads, You can provide an app that makes it convenient to provide or request.

The store / platform settlement processing unit 240 is responsible for settlement of settlement and periodic settlement that is required to be provided from a store to a platform in providing a service from a platform to an app or from a web to a consumer or a customer, And the like.

The merchant / financial institution settlement processing unit 250 accesses the financial company server to process a merchandise to be sold at an online or offline store or a payment request of a consumer or a customer requested from the platform when reserving the merchandise. As a result, customers can make secure payments, and stores can also securely process money from financial companies.

Each store-specific request / performance processing unit 260 can process daily, weekly, monthly, and yearly data on the platform-by-platform performance of the sales requests and requested items in the store, And can be used to rearrange the promotion strategy of the store as well as the platform to be used in the store in the future.

The reservation and settlement processing unit 270 can process reservation and settlement in the case of a small-sized store, and processes it in cooperation with a financial company server.

The control unit 280 includes a communication unit 210, a database 220, an application information storage unit 230, a store / platform payment processing unit 240, a store / financial transaction processing unit 250, And the reservation and settlement processing unit 270 are controlled.

4 is a diagram for explaining a settlement method using an ON / OFF-line combination settlement system according to the present invention.

As shown in FIG. 4, the payment method using the ON / OFF-line combination payment system according to the present invention is a method in which information such as a store's location, a phone number, a sale item, and a selling price is stored in an on- And stores the included store information in the database (S100).

The on-line / off-line store management and payment server 200 receives store-specific requirements and event information from a point-of-sale (POS) system for each store or a mobile (mobile phone, smartphone, smart pad, etc.) )

Then, the on-line / off-line store management and payment server 200 transmits the received information to a platform for providing information providing services such as the web or an application (S130).

At this time, in order to service the web or the app on the platform according to the requests and requirements, the on / offline store management and the settlement of the store / platform between the payment server and the financial company server are performed (S140). This makes it safe and reliable for both the store and the platform.

The platform exposes store requests and event information to a consumer or a customer's PC or mobile (S150).

In addition, the on-line and off-line store management and payment server processes the payment through the financial company server when the store reservation and payment are requested from the platform (S160).

In step S170, the on / offline store management and payment server processes the requests for each store and the performance according to the events on a platform-by-platform basis (S170), and transmits the processing results to the store manager PC or mobile (S180).

While the present invention has been described with reference to the exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. Therefore, the examples disclosed in the present invention are not intended to limit the scope of the present invention and are not intended to limit the scope of the present invention. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

100, 110, 120: First to Nth store POS terminals
200: On / offline store management and payment server
210: communication unit 220:
221: store information database
222: Database requirements by store
223: Event information database by store
230: Application information storage unit 240: Store / platform payment processing unit
250: store / financial institution payment processing section 260): request / performance processing section according to each store
270: reservation, payment processing unit 280: control unit 280:
310, 320, 330: First to Nth platforms 400: Financial service servers

Claims (3)

A plurality of first to Nth store POS terminals (100) (110) and (120) which are POS terminals of a store capable of online transaction, offline transaction or sale;
A communication unit 210 for communicating with the store POS terminal, the platform and the financial company server, and a communication unit 210 for storing the location, telephone number, sales item, and sales price information of the store, A database (220) for storing information to be transmitted to the platform, and a platform (220) for providing various services requested or requested by the platform to the platform, A settlement / settlement processing unit 240 for performing settlement processing for settlement of settlement by settlement, settlement by settlement, settlement of settlement by settlement, A store / financial institution settlement processing unit 250 for accessing and processing, And weekly, monthly, and yearly basis. Thus, it is possible to process the platform according to the sales strategy of the store or the degree of customer's use to the store, A reservation processing unit 270 for processing a reservation and settlement in cooperation with a financial company server, and a reservation / payment processing unit 270 for processing the reservation and settlement processing in cooperation with the communication unit 210, the database 220, A control unit 280 for controlling the application information storage unit 230, the store / platform payment processing unit 240, the store / financial transaction processing unit 250, the store request / performance processing unit 260 and the reservation / payment processing unit 270, It is configured, including the online and in-store off-line transactions and sales possible first to the N store POS terminal 100, 110 is connected to 120, the first through the N store POS terminal 100 (110 ) (12 0), a request from a PC or a mobile of a store or a mobile to a platform for providing information service, a payment for a POS terminal is performed, a payment for a POS terminal and a transaction between the store is processed , The performance of requests or requirements from the store POS terminal or the retailer's PC or mobile is processed for each platform and transmitted to the POS terminal of the shop or the PC or mobile of the shopper concerned, An on-line / off-line store management and payment server 200 acting in cooperation with the platform;
First to Nth platforms 310, 320 and 330 for providing information providing services of the web or an application; And
And a financial company server (400) including a bank, a credit card company, or PayPal.
delete (S100) registering store information including a store location, a telephone number, a sale item, and a sale price information on an on-line / off-line store management and settlement server using the on / off line combination settlement system according to claim 1;
A step (S110, S120) in which the on-site and off-line store management and payment server receives the store-specific requirements and event information from a point-of-sale (POS) system for each store;
A step (S 130) in which the information received at the on-line / off-line store management and payment server is transmitted to a platform providing the information providing service of the web or the app;
A step S150 of exposing the store-specific requirements and event information to a general consumer or a customer's PC or mobile through the platform;
The on-line and off-line store management and payment server processes the settlement through the financial server when the store reservation and settlement are requested from the platform (S160); And
The on-line and off-line store management and payment server includes processing (S170) the performance according to each store and the performance according to the event (S170), and transmitting the processing result to the store manager PC or mobile (S180)
The on-site / on-line store management and settlement server's store-specific request / performance processing unit processes daily, weekly, monthly, and yearly data on the platform-specific requirements and event information for each platform, And the method is used for rearranging a publicity strategy of a platform and a store to be used in a store in accordance with the degree of customer's use of the store.
KR1020170162532A 2017-11-30 2017-11-30 On / offline combination Payment System and method for payment using the same KR101872682B1 (en)

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KR1020170162532A KR101872682B1 (en) 2017-11-30 2017-11-30 On / offline combination Payment System and method for payment using the same
PCT/KR2018/007257 WO2019107689A1 (en) 2017-11-30 2018-06-27 On/offline coupled payment system and payment method using same

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KR1020170162532A KR101872682B1 (en) 2017-11-30 2017-11-30 On / offline combination Payment System and method for payment using the same

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20040077331A (en) * 2003-02-28 2004-09-04 (주) 헬로우쿡 System and method for managing shop using network
KR20080046953A (en) 2006-11-24 2008-05-28 (주)에어포스 Pos terminal and brokerage server
KR101395715B1 (en) * 2014-02-24 2014-05-16 주식회사 라임플라워 System for shipping product using cpc marketing moment of bidding and method therefor
KR20150130715A (en) 2014-05-14 2015-11-24 주식회사 유니크통신 Offline, online payment means using a variety of devices and programs using
KR20170025196A (en) * 2015-08-27 2017-03-08 주식회사 비즈니스인사이트 Multi Brand Product Code Integration method and apparatus thereof for Omni Channel Commerce

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20040077331A (en) * 2003-02-28 2004-09-04 (주) 헬로우쿡 System and method for managing shop using network
KR20080046953A (en) 2006-11-24 2008-05-28 (주)에어포스 Pos terminal and brokerage server
KR101395715B1 (en) * 2014-02-24 2014-05-16 주식회사 라임플라워 System for shipping product using cpc marketing moment of bidding and method therefor
KR20150130715A (en) 2014-05-14 2015-11-24 주식회사 유니크통신 Offline, online payment means using a variety of devices and programs using
KR20170025196A (en) * 2015-08-27 2017-03-08 주식회사 비즈니스인사이트 Multi Brand Product Code Integration method and apparatus thereof for Omni Channel Commerce

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