KR20120010682A - Payment Method and System Based on Two-Dimensional Barcode - Google Patents

Abstract

PURPOSE: A payment method and system based on 2D barcode is provided to perform payment using a payment module which is embedded in a personal wireless terminal. CONSTITUTION: A generated identification code and a 2D barcode including product information is read(S210). The generated identification code is verified. If the code is succeeded in verification, the authentication value of a reader is added(S220). The generated identification code, the product information, vendor information, payment information, and an authentication value are transmitted to the payment server(S240). A payment window necessary for the payment is displayed.

Description

Payment Method and System Based on Two-Dimensional Barcode}

The present invention relates to a payment method based on a two-dimensional bar code, and more particularly, to a method for processing a payment by a payment module installed in a personal wireless terminal based on a two-dimensional bar code read by a personal wireless terminal.

Bar codes are widely used to easily display and read information about products. Two-dimensional barcodes that can record more information than one-dimensional barcodes represented by one-dimensional lines have been widely used in recent years. In recent years, social network services (SNS) have become widespread, such as Facebook, MySpace, and Cyworld. And the number of users who run blogs is increasing. In many cases, the user places a product or a service that the user wants to sell through SNS or a blog, and various technologies for the sale of the product or the payment of the service have been developed. However, since most payment modules are designed and operated only in Explorer, users using web browsers other than Explorer are not able to make payments through SNS or blogs. This problem occurs in the normal Internet shopping malls as well.

In addition, this two-dimensional barcode can be generated by anyone with a barcode generation program, and can be read by anyone with a conventional barcode reader. By generating forgery and payment URLs arbitrarily, personal information or payment information may be acquired through phishing, which may pose a significant risk to payment reliability and privacy.

The present invention proposes a payment method based on a two-dimensional bar code, but aims to solve the above-mentioned problems in payment by additionally suggesting phishing (hacking), anti-forgery and the like.

The present invention provides a payment device including a two-dimensional bar code displayed on a medium and including a generated identification code, product information, seller information and payment information, a reading unit and a payment module for reading the two-dimensional bar code, and the payment device and a communication network. A method of performing a payment by reading a two-dimensional barcode by the payment device in an environment including a payment server connected to enable information transmission to a mobile station, the method comprising: a first step of reading a two-dimensional barcode including a generated identification code and product information; A second step of verifying the generation identification code, a third step of adding an authentication value of a reading unit when the verification is successful in the second step, the generation identification code, product information, seller information and payment information, and reading unit A fourth step of transmitting the authentication value to the payment server; and receiving the authentication success result from the payment server. And a fifth step of displaying the payment window required for, receiving the payment information from the payment window and a sixth step of transmitting to the payment server, and a seventh step of displaying by receiving billing processing results from the payment server.

The generation identification information is identification information of a generator provided by a payment server entity. By verifying this identification information, it is possible to confirm whether or not the two-dimensional bar code is a bar code generated justly.

And the payment processing result is preferably transmitted to the seller side. Sellers can be notified via a separate notification system, or can be sent via text message or email.

According to the present invention, by reading a two-dimensional bar code and driving a payment module based on product information recorded in the bar code, online payment is very convenient regardless of the medium on which the two-dimensional bar code is displayed. In particular, regardless of the type of web browser, by reading the two-dimensional bar code displayed on the screen can be paid by the payment module mounted on a personal wireless terminal, such as a smart phone can be freed from the dependency of the web browser, thereby improving the convenience of payment.

In addition, by inserting a generation identification code into a two-dimensional barcode, encrypting all the product information, seller information and payment information, and also encrypts the authentication value of the payment device reading unit to proceed through the payment server-side authentication, the forgery of the product information Can be prevented, the seller can protect personal information, and can prevent phishing due to forgery of the URL of the payment server can be secured payment of goods.

1 is a diagram illustrating an environment in which a payment method according to the present invention is performed.
2 is a flowchart of a payment process according to the present invention.
3 is a structure of a two-dimensional barcode according to the present invention.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings.

As shown in FIG. 1, the payment method according to the present invention includes a medium 1 on which a two-dimensional barcode 100 is displayed, a payment device 200 equipped with a two-dimensional barcode reader 250, and a payment server ( 20) and a financial institution server 30. The payment device 200, the payment server 20, and the financial institution server 30 are connected to each other to allow data transmission by the communication network 10. Two-dimensional barcodes may be adopted, but it is preferable to use QR codes. The payment device 200 is preferably a personal wireless terminal on which the payment module 230 is mounted. An example of a personal wireless terminal is a smartphone. The two-dimensional barcode reader 250 includes a camera mounted on a personal wireless terminal. In the two-dimensional barcode image recognized by the camera, information is read by the reading unit 250.

The medium 1 may be a monitor screen on which an SNS or a blog is displayed, or may be a print medium such as an advertisement leaflet or a booklet. Alternatively, it may be a table or a menu board of an offline store, or a home shopping screen broadcast through a TV. Any medium that can display a two-dimensional bar code is possible.

The two-dimensional barcode 100 includes a product information unit 110, a seller information unit 120 and a payment information unit 130. In the product information unit 110, product information 111 such as a product name, an amount of money, an order option, and the like are recorded and first encrypted. ) Is recorded and second encrypted. The payment information unit 130 records payment information 122 such as a payment server URL and a generation identification code, and encrypts the third information. The first encryption prevents the forgery of the product information, the second encryption protects the seller's information, and the third encryption prevents the phishing and forgery of the change of the payment URL.

The two-dimensional barcode is preferably generated only by the generator provided by the subject of the payment server 20. The two-dimensional barcode is configured to include a generation identification code.

Next, a payment process according to the present invention will be described with reference to FIG. 2.

The seller generates the two-dimensional barcode 100 by inputting the seller information and product information to the two-dimensional barcode generation program provided by the payment server 20. (Step S200) In addition to the information input by the seller in the two-dimensional barcode 100 payment Information 122 is also included, and all the information included is preferably encrypted.

The purchaser who wants to purchase the goods posted by the seller reads the two-dimensional barcode by the reading unit 250 of the payment device 200. (Step S210) When the two-dimensional barcode 100 is scanned, the payment module 230 is automatically driven. Alternatively, after driving the payment module 230, the read button may be operated to scan and read the two-dimensional barcode. The generated identification code included in the two-dimensional bar code is verified (step S220). If the verification is successful, the authentication value of the payment device 200 or the payment device reader 250 is added. This authentication value is used by the payment server 200 to determine whether the corresponding payment device 200 is an authorized payment device. If the verification fails, an error message is displayed (step S230).

Next, the payment device 20 transmits the two-dimensional barcode information and the reader authentication value 150 through the communication network 10. It is preferable to encrypt both the two-dimensional barcode information and the authentication value to be transmitted. The payment server 20 authenticates the transmitted reader authentication value 150 and / or the generated identification code (step S250). If the authentication is successful, the payment server 20 decrypts the received information and performs the payment process. (Step S260).

Payment processing is performed in cooperation with the financial institution server 30 by displaying a payment window through the payment module 230 of the payment device 200, receiving information necessary for payment, and transmitting this information to the payment server 20. In addition, since this payment processing process is similar to the normal online payment process, a detailed description thereof will be omitted.

On the other hand, it is preferable to display the product information included in the two-dimensional bar code so that the user can check it, which may be displayed when the two-dimensional bar code is read and the verification is successful, or simply display the product information before the verification. It's okay. On the medium 1 on which the two-dimensional barcode 100 is displayed, a picture or information for recognizing a product together with the two-dimensional barcode 100 is displayed, but it is displayed on the screen of the payment device 200 to check again for payment. It is preferable to display the product information recorded in the read two-dimensional bar code.

In the case of real goods requiring delivery, it is preferable to display a delivery information confirmation window for product delivery. If the user has logged in to the payment module 230, the user may display basic shipping information that is set and stored in advance, and a means for changing the delivery location may be provided.

If the confirmation or input of the product information and / or shipping address information is completed and the above-described verification process is successful, the payment information is entered and settled (step S260). The payment information includes information necessary for online payment such as credit card information, and all payment information input and transmission are preferably encrypted for security.

When the payment processing is completed, the payment processing result is transmitted to the payment device 200 through the communication network 10. The payment processing result may be transmitted to the seller side, and the seller prepares the product preparation and delivery by referring to the payment processing result, the product information, and the delivery address information.

The payment method according to the present invention can also be used in offline stores, especially in shops that have to wait for orders and payments and actually receive goods, such as coffee shops. Display a two-dimensional bar code on a menu board or table of a coffee shop, and the user reads the two-dimensional bar code 100 with a personal wireless terminal such as a payment device 200, for example, a smartphone, and drives a payment module 230 to make a payment. In this case, the user does not have to move for ordering and payment. In this case, it is more convenient to record the location information of the table in which the user is seated in the two-dimensional barcode, for example, the table number, or to display the waiting number given to the user after the payment module 230 completes the payment processing. Done.

When the payment method according to the present invention is used, the online payment can be used regardless of the type of the web browser in which the SNS, the blog, or the Internet shopping mall is displayed, thereby maximizing user convenience and contributing to the increase in the use of the payment service.

1: medium
10: network
20: payment server
30: financial institution server
100: two-dimensional barcode
200: payment device

Claims (5)

A payment device including a two-dimensional barcode displayed on a medium and including a generated identification code, product information, seller information, and payment information, a reading unit and a payment module for reading the two-dimensional barcode, and information transmission to the payment device and a communication network. In the method comprising the payment server connected to enable the payment device to perform a payment by reading a two-dimensional barcode,
A first step of reading a two-dimensional barcode including a generation identification code and product information,
A second step of verifying the generated identification code;
A third step of adding an authentication value of a reading unit when the verification is successful in the second step;
A fourth step of transmitting the generated identification code, the product information, the seller information, the payment information, and the authentication value of the reader to a payment server;
A fifth step of displaying a payment window for payment of goods when receiving a successful authentication result from the payment server;
A sixth step of receiving payment information through the payment window and transmitting it to a payment server;
A seventh step of receiving and displaying a payment processing result from the payment server;
Two-dimensional barcode reading and payment method.

The method according to claim 1,
The generation identification information is identification information of a generator provided by a payment server entity,
Two-dimensional barcode reading and payment method.

The method according to claim 1 or 2,
The seller information, product information, payment information and authentication value is encrypted,
Two-dimensional barcode reading and payment method.

The method according to claim 1 or 2,
An eighth step of transmitting the payment processing result to a seller;
Two-dimensional barcode reading and payment method.

The method according to claim 1 or 2,
The medium is any one of social network services (SNS), print media, blogs,
Two-dimensional barcode reading and payment method.

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