KR20040008391A - System for settling account service using 2-dimensional barcode - Google Patents

Abstract

The present invention uses a two-dimensional bar code that can be transmitted through wireless communication or the Internet, so that the user can pay cash in small amounts within the limits that can be settled in cash, or transfer a small amount of money between designated member groups. It relates to a payment service system using a two-dimensional barcode that can be used like cash.

The payment service system using the two-dimensional bar code of the present invention, the sender terminal 10 for applying for the transfer service of electronic money or electronic gift certificates corresponding to membership authentication and a predetermined amount of money; A recipient terminal 20 which receives the two-dimensional barcode corresponding to the electronic money or electronic gift certificate applied for transfer by the sender terminal 10 and displays it on the screen for payment; By using the data input from the sender terminal 10, performing member authentication and confirming the balance corresponding to the requested transfer service, and generating a two-dimensional bar code corresponding to the amount of the transfer service requested within the remaining balance, the designated recipient Payment service server 30 for transmitting to the terminal 20; Providing the available balance data of the sender at the request of the payment service server 30, storing the transfer service data provided from the payment service server 30, confirming the approval of payment and updating and storing the data after payment processing A payment server 40; And a payment terminal device 70 for reading the two-dimensional barcode displayed on the recipient terminal 20 and inquiring the payment server 40 whether the payment is approved according to the read service history. .

Description

Payment service system using two-dimensional barcodes {System for settling account service using 2-dimensional barcode}

The present invention uses a two-dimensional bar code that can be transmitted through wireless communication or the Internet, so that the user can pay cash in small amounts within the limits that can be settled in cash, or transfer a small amount of money between designated member groups. It relates to a payment service system using a two-dimensional barcode that can be used like cash.

As the credit society uses credit cards instead of cash in normal commerce, payment using credit cards is becoming more common. Credit cards are issued by banks or credit card companies to those who earn a certain amount of income. However, in reality, unlimited credit cards are issued to minors or ineligible persons who have no income, resulting in mass production of credit defectors who cannot pay the amount paid using credit cards. To solve this problem, the government is taking strict restrictions on the issue of credit cards.

In addition, payment of a small amount using a credit card is mandatory. Since payments are made by both banks and credit card companies in payment of a small amount, it becomes a cause of complaints to both credit card merchants and consumers. Card merchants also avoid small payments due to high fees.

In addition, since it takes a long time to process a small amount of payment using a credit card, it causes a problem in the merchant's business.In addition, it is used in many service shops that are not credit card merchants because the card payment processing is performed only at the credit card merchant. There was this impossible inconvenience.

In addition, since it is impossible to transfer small funds using a credit card, users must use a bank to transfer money to lend or receive money. This is not possible even if there is a desire to give up or purchase a product due to lack of balance, especially after purchase.

For example, if you are asked for a small amount from a minor child who is unable to issue a credit card to purchase the necessary merchandise, you may transfer money from your bank account to your child's bank account so that the minor child can use the cash card. Purchasing merchandise after finding cash is the fastest way, but you should use a banker or an ATM.

At present, a small amount of money transfer service using e-mail is provided. However, these services are also inconvenient for the user because they can not be used as cash directly because funds are transferred through the bank account. Therefore, there is an urgent need for services for users who cannot receive credit cards.

The present invention is to solve the above problems, an object of the present invention is the transmission of electronic money corresponding to a small amount within the limit that the user can pay in cash using a two-dimensional bar code that can be transmitted through wireless communication or the Internet, The present invention provides a payment service system using a two-dimensional barcode that can be used as cash by transferring electronic vouchers or transferring a small amount between designated member groups.

Another object of the present invention is to provide a payment service system using a two-dimensional bar code that can be used like cash or gift certificates by transmitting a two-dimensional bar code using a mobile service or a wireless Internet of a mobile phone owned by most users.

1 is a conceptual diagram of a payment service system of the present invention;

2 is a schematic configuration diagram of a payment service system of the present invention;

3 is a partial block circuit diagram of a payment terminal device with a two-dimensional barcode reader;

Figure 4 is an embodiment of a terminal screen showing the registration and login process,

5 to 7 are embodiments of a terminal screen indicating service selection and transfer;

8 is a flowchart showing an operating state of a payment service system of the present invention.

※ Explanation of symbols about main part of drawing ※

10: sender terminal 12: personal computer

20: recipient terminal 30: payment service server

40: payment server 50: two-dimensional bar code

60: communication base station 70,72,74: payment terminal device (ATM, KIOSK, POS)

80: barcode reader portion 82: light emitting portion

84: light receiver 86: AD converter

88: decoder 90: flash memory

92: LED controller 94: buzzer controller

301 web server 302 barcode server

303: information management server 702: external interface

704: mouse 706: monitor display unit

708: communication interface 710: synchronization signal unit

712: power supply

The payment service system using the two-dimensional bar code of the present invention for achieving the above object, the sender terminal for applying for the transfer of the electronic money or electronic gift certificate corresponding to the member authentication and the predetermined amount; A recipient terminal receiving a 2D bar code corresponding to the electronic money or electronic gift certificate applied by the sender terminal and displaying it on the screen for payment; Using the data input from the sender terminal, perform the member authentication and confirm the balance corresponding to the requested transfer service, and generate a two-dimensional bar code corresponding to the amount of the transfer service requested within the balance limit and transmit it to the designated recipient terminal. Payment service server; A payment server that provides the available balance data of the sender at the request of the payment service server, stores the transfer service data provided from the payment service server, confirms the approval of the payment, and updates and stores the data after payment processing; And a payment terminal device that reads the two-dimensional barcode displayed on the recipient terminal and inquires the payment server whether the payment is approved according to the read service history.

Hereinafter, a payment service system using a 2D barcode of the present invention will be described in detail with reference to the accompanying drawings.

The present invention is a payment service that can be directly cashed using a mobile (Mobile) service is a convenient service in which transactions in the wireless communication or wireless Internet is applied like cash on the offline. This payment service is to provide a variety of services in connection with the conventional ATM / KIOSK / POS SYSTEM.

1 is a conceptual diagram of a payment service system using a two-dimensional bar code of the present invention. As shown, when the present invention requests a transfer service of an electronic money or electronic gift certificate corresponding to a predetermined amount using the sender terminal 10, the requested payment service server 30 requests the payment server 40. Investigate the available balance of the sender, and if the balance remains, generates the electronic money or electronic gift certificate corresponding to the requested amount as the two-dimensional barcode 50, and then the image of the two-dimensional barcode 50 by the recipient terminal 20 The two-dimensional barcode 50 on the screen of the received recipient terminal 20, and reads the two-dimensional barcode 50 by using a barcode reader attached to the payment terminal device. Make a payment. Reference numeral 60 is a communication base station for relaying data between the wireless terminals 10 and 20, and should be understood to include wireless communication, wireless internet, and / or wired internet, which are conventionally used.

As described above, the predetermined amount transmitted as the two-dimensional bar code is read from the screen of the recipient terminal 20 with the barcode reader of the payment terminal device and used in the field for payment of goods or cash, so that there is no inconvenience in using a credit card. There are features that can be used together.

The sender terminal 10 may use a mobile phone, an IMT2000 terminal connected to a conventional wireless Internet or a mobile communication company, or a personal computer 12 connected to a wired Internet. In the case of a mobile phone, a request for generation of a two-dimensional barcode by using a wireless Internet service or a short message service (SMS). Although the sender terminal 10 and the receiver terminal 20 are distinguished from each other, the terminal for requesting the transfer service is not distinguished from the sender terminal 10 and the terminal for receiving the two-dimensional bar code 50 is the receiver terminal ( 20) functionally divided. However, the personal computer 12 is mainly used when applying for money transfer service and has a disadvantage in that it is inconvenient to receive a two-dimensional bar code.

The sender (money transferer) registers as a member of a bank, card company or separate payment service company, opens an account and deposits cash. The bank, card company or payment service company uses the payment service server 30 to verify the membership and access the funds transfer service contents (electronic money or electronic gift voucher application) input through the sender terminal 10 and the recipient terminal 20 If you check the number of) and there is the amount of money available in the sender's account, the amount is generated as a two-dimensional bar code to generate electronic money or vouchers. At this time, if necessary, it is preferable to encrypt and transmit. The money transfer history and the number input and barcode generation of the recipient terminal 20 are performed by the payment service server 30. In contrast, the recipient has little or no need to register.

Confirmation of the amount of money available may be performed by a separately configured payment server 40 or by using a server integrated with the payment service server 30. It is preferable to configure the payment service server 30 and the payment server 40 separately for the load distribution and safety. On the other hand, the payment server 40 is preferably operated in connection with a bank account.

The two-dimensional barcode 50 image generated by the electronic money or electronic gift certificate is transmitted from the payment service server 30 to the designated recipient terminal 20 through a wireless communication network (mobile communication or wireless internet). The two-dimensional barcode electronic money or electronic gift certificate transmitted to the recipient terminal 20 is stored in the recipient terminal 20. The recipient may check the received two-dimensional barcode details in the recipient terminal 20 and then display them on the screen of the terminal for payment at the time of cash provision or purchase of goods.

Payment using a two-dimensional bar code according to cash provision or purchase of goods is performed by a payment terminal device having a two-dimensional bar code reader. Although not shown in the drawing, the barcode reader unit for reading a two-dimensional barcode is further added to a payment terminal device such as ATM, KIOSK, POS system, and the contents (amount, amount, value) of the two-dimensional barcode electronic money or electronic gift certificate displayed on the recipient terminal 20. Expiration date, etc.) are read.

Here, ATM, KIOSK, etc. are used for cash transactions, the sender can receive cash service using ATM, KIOSK, etc. equipped with a two-dimensional barcode reader within the range that the sender can pay. This performs a function similar to a bank cash card. POS SYSTEM, on the other hand, pays for the purchase of goods.

The read two-dimensional barcode payment history is connected to the payment server 40 through a communication device built in the payment terminal device, and then the cash is normally provided when the payment using the corresponding two-dimensional barcode 50 data by the payment server 40 is approved. Or purchase of the goods is completed. The payment server 40 updates payment data after payment approval for the specific two-dimensional barcode requested from the payment terminal device.

2 is a configuration diagram of a system for performing the payment service as described above.

As shown, the sender terminal 10 and the receiver terminal 20 uses a mobile phone, IMT 2000 terminal capable of supporting the wireless Internet and image transmission. In case of using the wireless Internet, a WAP gateway is used. In case of using a mobile communication network, an SMS service is used. The connection between the sender terminal 10 and the receiver terminal 20 includes a web server 301 for providing a payment service using a wireless Internet protocol, a barcode server 302 for generating a two-dimensional barcode, and a member's electronics. Payment service server 30 that includes an information management server 303 that manages money or electronic gift card transfer service information.

The web server 301 is connected to the wireless Internet to communicate with the sender or recipient terminal 10 or 20 using an Internet protocol such as WAP, and when a specific service is requested from the sender terminal 10, It performs the function of processing the service. The web server 301 may also perform data transmission and reception at the same time in connection with the wired Internet network with the personal computer 12.

The two-dimensional bar code server 302 generates a two-dimensional bar code according to the contents requested by the sender. The generated two-dimensional bar code includes information on a predetermined amount, sender and / or recipient, etc. requested by the sender. The two-dimensional barcode also includes a module for encoding the two-dimensional barcode for safety.

In the present invention, a two-dimensional barcode is used, but it is also possible to use a one-dimensional barcode. However, two-dimensional bar code is preferable because it has the following advantages.

1. Dynamic generation of barcodes is possible. That is, it can be created dynamically in the Internet and client / server environment, and can be used permanently or temporarily by creating and storing a specific data barcode according to the purpose.

2. The bar code data correction function is excellent. That is, the correction for data corruption is excellent enough to be able to restore the damage rate of 35% of the two-dimensional barcode, and the barcode size is variable according to the data correction rate.

3. The division of barcode is possible. That is, the size of the barcode increases as the amount of data to be represented by the barcode increases. In addition, if the display environment of the mobile can not be expressed, it is possible to express the image by dividing the size according to the size of the LCD. In addition, due to the nature of the service, information about one data can be divided into N (up to 16) and applied to the system.

4. Bar code encryption is possible. That is, by applying an encryption algorithm in the barcode generation module, it can be configured to read the barcode only in a specific system. The encryption module is included in the barcode server 302.

In addition, the two-dimensional barcode used in the present invention can be applied to the copy protection technology to add a higher security function. The copy protection technology can be used to read the authenticity of a document by using an anti-copy that appears in the document when copying using a special character representation technology, or by using a special key when forging. Anti Forgery, or Micro Printing, which inserts small letters whose form is damaged during copying, into a document. For this purpose the barcode server 302 further comprises a copy protection module.

The information management server 303 uses the payment related data input from the web server 301 to inquire the payment server 40 whether a predetermined amount requested by the sender remains in the sender's account, If it remains, a control signal is output to the barcode server 302 to generate this as a two-dimensional barcode, and a signal is transmitted to transmit the two-dimensional barcode to the designated recipient terminal 20 through the web server 301. It also stores data about the sender, recipient, and payment. After the payment using the two-dimensional barcode is completed, the stored payment related data is updated with new contents.

The payment server 40 stores the data of the sender's account, and transmits the sender's balance data available by request to the payment service server 30, and stores the amount and information requested for payment. If payment approval is requested from the payment terminal devices 70, 72, and 74, the payment details are confirmed and the payment is approved. After the payment is approved, the payment request is updated.

For example, after the sender approves payment for the amount requested by the sender, the amount is automatically transferred to the merchant's account, and the remaining amount is stored after subtracting the payment amount. If a request for payment of a small amount is input by the sender later, after checking the balance in the sender's account, if the balance is less than the payment amount, the information indicating that the balance is insufficient is transmitted to the payment service server 30. When information indicating that the balance is insufficient, the payment service server 30 notifies the sender terminal 10 that the payment is impossible.

The two-dimensional barcode electronic money or electronic gift certificate generated by the payment service server 30 is transmitted to the recipient terminal 20. The transmitted electronic money or electronic gift certificate is read by a barcode reader (not shown) attached to an ATM 70, a KIOSK 72, or a POS SYSTEM 74 used as a payment terminal device. The read-out is sent to the payment server 40 by the payment terminal device 70, 72, 74, and the payment approval is transmitted from the payment server 40, and the processing for the cash offering or the product purchase is completed. Bar code reader unit can be fixedly attached to ATM, KIOSK, POS SYSTEM or can be connected externally to POS SYSTEM that is built. 3 shows a block circuit diagram of a barcode reader unit 80 attached to payment terminal devices 70, 72 and 74 for reading a two-dimensional barcode.

The barcode reader unit 80 receives the light emitting unit 82 that emits red light (670 nm) against the two-dimensional barcode displayed on the screen of the receiver terminal 20, and receives the light reflected from the two-dimensional barcode. A light receiver 84 for outputting a corresponding analog signal, an AD converter 86 for converting an analog signal output by the light receiver 84 into a digital signal, and a digital output from the AD converter 86. The decoder 88 which decodes the signal and transmits the two-dimensional barcode details decoded by the decoder 88 through the external interface 702, and the strobe of the light emitting unit 82, the LED controller 92 and the buzzer controller The main control part 96 which controls 94 is included. Unexplained candidate 90 is flash memory used as a buffer.

The barcode reader unit 80 used in the present invention can recognize a QR code in a direct marking format. That is, it is possible to recognize not only 1D and 2D code barcodes printed on existing paper, but also two-dimensional barcodes marked on small liquid crystals, glass, or metal used in portable terminals. In addition, one-dimensional barcodes (code39, code128) of ISO certification can be recognized. In addition, the company's own barcode, which is not ISO certified, can be recognized on the mobile by using the decoding module provided by the company.

The barcode reader unit 80 as described above includes a payment terminal including an external interface 702, a mouse 704, a monitor display unit 706, a communication interface 708, a synchronization signal unit 710, and a power supply unit 712. Device 70, 72, or 74. For convenience of explanation, the configuration of the payment terminal device has been omitted, and the payment terminal device may be configured by adding a barcode reader unit 80 as ATM, KIOSK, and POS SYSTEM that are conventionally used.

The operation state of the payment service system using the two-dimensional bar code of the present invention having the above configuration will be described with reference to the exemplary drawings and flowcharts of the screen.

4 shows a process of accessing the payment service server 30 using the sender terminal 10. A sender who wishes to transfer a small amount of money accesses the payment service server 30 through a wireless Internet or a mobile communication company using his sender terminal 10 and receives member authentication. If you want to register, select the member registration menu to register. If you are already registered, enter your ID and password to log in. In the upper side of the figure, a screen for a login process and a screen for registering a member are displayed at the bottom. In this context, mMoney is used as a generic term for two-dimensional barcode electronic money or electronic gift certificates.

For example, the sender purchases a voucher for a commodity company associated with the payment service system of the present invention and transmits the voucher to the recipient terminal of the other party (recipient) as a two-dimensional barcode electronic voucher.

Further, the provision of electronic money also transmits a certain amount of money as a two-dimensional barcode electronic money to the other party within the range of the payment amount that the sender can use. Of course, it is also possible to transmit to the sender's own terminal. In the case of the personal computer 12, it is difficult to receive a two-dimensional barcode electronic money or electronic gift certificate, but it is obvious that it can be received by adding a communication module.

5 is an example of a service selection menu screen displayed after a login is completed. Services provided are "New mMoney", "Mmoney Available", "Mmoney Making", "Meetings" and the like. Of course, it is also possible to add various other services using two-dimensional barcodes.

"New mMoney" is an electronic money or electronic gift certificate sent by the sender, and in the drawing, it can be seen that a gift certificate (valid date of May 31, 2002) of 10,000 won sent from "Sunwoo" is transferred. After the recipient confirms that the gift certificate has been sent, pressing the "OK" button is stored in the recipient's terminal.

"Mmoney available" is an electronic money or electronic gift voucher that is currently stored in the terminal and can be used for payment at the time of cash offering or purchase. Referring to Figure 6, 1. *** gift certificate, 2. 000 gift certificate, 3. ?? Gift vouchers are stored. If you want to use the stored vouchers, press the "OK" button to display the information (amount, expiration date) for the electronic voucher, and press the "OK" button again to display the two-dimensional barcode vouchers on the terminal screen. If you want to pay using the two-dimensional barcode gift certificate displayed on the screen as described above, it is read using the barcode reader unit 80 provided in the payment terminal device installed in the merchant. After reading, the purchase is completed if the amount is suitable for purchase. At this time, the service provider can request payment approval using the read two-dimensional barcode. This is done by sending the read data to the payment server 40 and approving the transaction. However, in the case of small payments, it is also possible to make a payment directly without making a separate request for approval to the payment server 40.

As described above, when payment using the two-dimensional barcode electronic money or electronic gift certificate is completed, information related to mMoney is deleted. The deletion process is completed by deleting the two-dimensional barcode electronic money or electronic gift certificate stored in the terminal and updating the processing details in the payment server 40.

7 is an example of a service screen relating to the transfer of an electronic gift certificate as "making mMoney". As shown in the figure, the electronic voucher menu is selected and the amount of the electronic voucher (10,000 won), the terminal number (01912341234) of the recipient of the electronic voucher (recipient), and the expiration date are transmitted. The payment service server 30 inquires the balance and credit status of the sender to the payment server 40 by using the transferred data. The inquiry result generates a two-dimensional barcode electronic gift certificate using the sender (user) information confirmed by the payment server (40). The generated electronic voucher is transmitted to the terminal of the recipient, it can be confirmed that the electronic voucher is transmitted to the terminal of the recipient through the same process as shown in FIG. The transmitted electronic voucher is stored in the terminal of the recipient, the storage state can be confirmed through the process as shown in FIG.

In addition, although not described in detail, the system of the present invention can be applied in the same manner as step system. In other words, by using the transfer service function of the electronic money, a plurality of members transfer all of a predetermined amount to one member so that one member can use the transfer service such as getting on the account. It is apparent that the present invention can be applied in various forms, as well as those described above.

According to the present invention, using a two-dimensional bar code that can be transmitted through online (mobile communication or the Internet), within the limit that the user can pay in cash, the electronic money corresponding to the small amount, the transmission of the electronic gift certificate corresponding to the small amount, or designated It is effective to transfer a small amount between member groups.

Claims (7)

A sender terminal 10 for applying for a member authentication and a transfer service of an electronic money or electronic gift certificate corresponding to a predetermined amount; A recipient terminal 20 which receives the two-dimensional barcode corresponding to the electronic money or electronic gift certificate applied for transfer by the sender terminal 10 and displays it on the screen for payment; By using the data input from the sender terminal 10, performing member authentication and confirming the balance corresponding to the requested transfer service, and generating a two-dimensional bar code corresponding to the amount of the transfer service requested within the remaining balance, the designated recipient Payment service server 30 for transmitting to the terminal 20; Providing the available balance data of the sender at the request of the payment service server 30, storing the transfer service data provided from the payment service server 30, confirming the approval of payment and updating and storing the data after payment processing A payment server 40; And It includes a payment terminal device (70, 72, 74) for reading the two-dimensional bar code displayed on the recipient terminal 20 and inquires the payment server 40 to process payment approval according to the read service history Payment service system using a two-dimensional barcode. The method of claim 1, The payment service server 30, a web server 301 for providing a payment service using a wireless Internet protocol, a bar code server 302 for generating a two-dimensional bar code, and electronic money or electronic gift card transfer service information of the member Payment service system using a two-dimensional barcode, characterized in that it comprises an information management server 303 to manage. The method of claim 1, The payment terminal device (70, 72, 74) is a payment service using a two-dimensional barcode, characterized in that any one of ATM, KIOSK, POS SYSTEM including a barcode reader unit 80 for reading a one-dimensional, two-dimensional barcode. system. The method of claim 3, The barcode reader unit 80 receives the light emitting unit 82 that emits red light (670 nm) against the two-dimensional barcode displayed on the screen of the receiver terminal 20, and receives the light reflected from the two-dimensional barcode. A light receiver 84 for outputting a corresponding analog signal, an AD converter 86 for converting an analog signal output by the light receiver 84 into a digital signal, and a digital output from the AD converter 86. The decoder 88 which decodes the signal and transmits the two-dimensional barcode details decoded by the decoder 88 through the external interface 702, and the strobe of the light emitting unit 82, the LED controller 92 and the buzzer controller Payment service system using a two-dimensional bar code, characterized in that it comprises a main control unit 96 for controlling (94). The method of claim 2, The bar code server 302 is a payment service system using a two-dimensional barcode further comprises an encryption module for encrypting the generated two-dimensional barcode. The method of claim 2, The bar code server 302 is a payment service system using a two-dimensional barcode further comprising a copy protection module for applying a copy protection technology for copy protection of the generated two-dimensional barcode. The method of claim 1, Web server 302 of the payment service server 30 is connected to the wired Internet payment service system using a two-dimensional bar code, characterized in that for receiving a transfer service through a personal computer (12).