KR20130100872A - Payment method by means of one time response code, payment server and operator terminal performing the same - Google Patents

Abstract

PURPOSE: A payment method, a payment server thereof, and a company device thereof allow a user to easily make a payment using a one-time response code without a magnetic card or other payment tools. As introducing the one-time response code does not mean a new device or equipment, associated costs can be decreased. The one-time response code can be associated with various payment tools such as a credit card, a debit card and a mobile payment, thereby diversifying the payment tools for a user. With a limited expiration time, the one-time code also ensures a safer transaction than a magnetic card. Businesses can settle payments by scanning a one-time response code with a dedicated application of a mobile device without additional scanning devices. CONSTITUTION: A user registers his/her payment tool (S410). Upon a user device's request, a digital payment code associated with the user's payment tool is generated in a dynamic way and a one-time response code is issued to the device (S425). When a company device reads the code, it also receives an order sheet and the digital payment code, which has added to the one-time code (S440). A payment is settled for the order using the digital payment code-related payment tool (S455). [Reference numerals] (110) User device; (120) Company device; (130) Payment server; (140) Financial server; (AA) Registration process; (BB) Payment process; (S410) Payment means registration; (S415) One-time bar code request; (S420) Dynamic generation of a digital payment code; (S423) One-time response code generation information stored; (S425) One-time bar code issued; (S430) Order received; (S435) One-time bar code received; (S440) Digital payment code received; (S445) Order details and the digital payment code transmitted; (S447) Used code checked; (S450) Payment request; (S455) Payment settlement; (S460,S465,S470) Payment settlement result transmission

Description

PAYMENT METHOD BY MEANS OF ONE TIME RESPONSE CODE, PAYMENT SERVER AND OPERATOR TERMINAL PERFORMING THE SAME}

The present application relates to a payment technology, and more particularly, to a payment method through a one-time response code that can pay for the cost of goods or services through a one-time response code, and to a payment server and operator terminal performing the same .

Currently used payment technology includes a payment technology through a magnetic card. At a store, a consumer selects a product or service (hereinafter referred to as a commodity) and then presents a magnetic card (e.g., a credit card) to the operator, and the operator uses a point of sale (POS) terminal. After determining the price of the product, the payment is made by reading the magnetic card. This payment method requires a possession of a magnetic card, a barcode scanner (or RFID reader) and a magnetic card reader to determine the price of a product.

Korean Patent Laid-Open Publication No. 10-2003-0023865 relates to an electronic payment method and system using a mobile terminal. The communication step between the personal wireless communication terminal and the merchant terminal is omitted, thereby overcoming the distance limitation between the personal terminal and the merchant terminal. Technology to enhance user convenience and prevent unauthorized transactions due to exposure of credit card numbers by blocking the exposure of credit card numbers to third parties in the payment process by using one-time authentication codes. Initiate.

Korean Patent Laid-Open No. 10-2004-0016346 relates to a wireless payment method using a digital camera mounted on a wireless terminal, and has an advantage that payment can be made safely without inputting credit information. In addition, the customer has a merit that the payment can be made more conveniently by a simple key operation on the wireless terminal including the payment information.

Korean Patent Publication No. 10-2003-0023865 Korean Patent Publication No. 10-2004-0016346

The present application is to provide a payment technology that can pay for the cost of goods or services through a one-time response code. For example, the disposable response code may be issued to the user terminal.

The present application is to provide a payment technology that can be associated with a variety of payment means, such as credit card, debit card or mobile phone payment to one-time response code to provide a variety of payment methods to the user.

The present application is to provide a payment technology that can support a more secure transaction by introducing a validity period of the one-time response code.

The present application is to provide a payment technology that operators can process payment by scanning a one-time response code through the application of the portable terminal without a separate scanning equipment. Such payment technologies may enable operators to secure mobility and reduce costs.

Among the embodiments, the payment method through the one-time response code executed by the payment server includes (a) registering a payment means associated with the user, (b) digital payment associated with the registered payment means at the request of the user terminal; Dynamically generating a code and issuing a one-time response code to the user terminal; (c) if the one-time response code issued by the operator terminal is read, a digital payment code derived from the read one-time response code with the order details. And (d) performing payment processing on the order details through a payment means associated with the digital payment code. The payment means may correspond to credit card, debit card, prepaid card, point payment, bank transfer, gift voucher code payment or mobile phone payment.

In one embodiment, the digital payment code may correspond to a payment code including a payment means identifier identifying the registered payment means. The digital payment code may include a time code indicating a generation time of the digital payment code to enable the service provider terminal to calculate an expiration date from the one-time response code.

In one embodiment, the one-time response code is generated by coding the digital payment code, the coding may include at least one of shuffling, masking or encryption.

In one embodiment, the method may store (e) one-time response code issuance information including at least the digital payment code and a usage code between steps (b) and (c). The step (d) may further include checking a usage code associated with the received digital payment code and deleting information on the payment processing if it has already been used.

In one embodiment, the step (d) may further comprise the step of performing a payment approval or payment cancellation of the order details through the associated payment means.

In an embodiment, the method may further include receiving an electronic signature from the operator terminal when the payment process is performed, and generating an electronic receipt including the received electronic signature. The generated electronic receipt may be stored externally or transmitted to the user terminal.

In one embodiment, the disposable response code may correspond to a disposable barcode or a disposable QR code.

Among the embodiments, the operator terminal registers a payment means associated with the user and dynamically generates a digital payment code associated with the registered payment means in response to a request of the user terminal and issues a one-time response code to the user terminal. Connected. The payment method through the one-time response code performed in the operator terminal generates an order history, reading the one-time response code displayed by the user terminal, obtaining a digital payment code corresponding to the read one-time response code and the payment Transmitting the obtained digital payment code to a server to cause the payment server to perform payment processing through the payment means.

In one embodiment, the reading of the one-time response code may further include optically scanning the one-time response code displayed by the user terminal.

Obtaining a digital payment code corresponding to the read disposable response code may further include obtaining the digital payment code by decoding the read disposable response code, wherein the decoding is less during deshuffling, unmasking or decryption. It can contain one.

In one embodiment, the method may further comprise receiving an electronic signature when the payment process is performed. Here, the method may further include outputting a paper receipt including the received electronic signature. Alternatively, the method may further include transmitting an electronic receipt including the received electronic signature to the payment server. In one embodiment, the method further comprises: issuing time of the one-time response code from the read one-time response code. The method may further include calculating a validity period by obtaining a time code indicating.

Among the embodiments, the payment server dynamically generates a digital payment code associated with the registered payment means at the request of the payment means registration unit for registering the payment means associated with the user, the user terminal to issue a one-time response code to the user terminal. When the disposable response code issued by the operator terminal is read, the digital payment code receiving unit for receiving the order details and the digital payment code derived from the read disposable response code and payment associated with the digital payment code The payment is performed through a one-time response code including a payment processing unit that performs payment processing on the order details through the means.

In one embodiment, the payment server may further include an issue information storage unit for storing disposable response code issue information including at least the digital payment code and the use code.

The payment server may further include a payment post-processing unit configured to receive an electronic signature from the operator terminal when the payment processing is performed and generate an electronic receipt including the received electronic signature.

Among the embodiments, the operator terminal registers a payment means associated with the user and dynamically generates a digital payment code associated with the registered payment means in response to a request of the user terminal and issues a one-time response code to the user terminal. Connected. The operator terminal is a response code scanning unit for reading the product barcode attached to the product and the disposable response code displayed by the user terminal, an order history generation unit for generating an order history from the product barcode, the read the response code read digital A digital payment code obtaining unit for obtaining a payment code and a payment processing unit for transmitting the obtained digital payment code to the payment server to cause the payment server to perform payment processing through the payment means.

In one embodiment, the response code scan unit may optically scan the disposable response code displayed by the user terminal.

The digital payment code acquiring unit decodes the read single-use response code to obtain the digital payment code, and the decoding may include at least one of deshuffling, unmasking, or decoding.

The payment processing unit may receive an electronic signature when the payment processing is performed. In one embodiment, the payment processing unit may output a paper receipt including the received electronic signature. In another embodiment, the payment processing unit may transmit an electronic receipt including the received electronic signature to the payment server.

The disclosed payment technologies of the present application may allow a user to easily perform a payment through a one-time response code even if the user does not have a payment method such as a magnetic card. In particular, the introduction of this one-time response code does not require the operator to introduce new equipment can reduce the cost.

The disclosed payment techniques of the present application may associate a one-time response code with various payment methods such as credit card, debit card or mobile phone payment, thereby increasing the variety of payment methods for the user.

The disclosed payment technologies of the present application may support a secure transaction than a magnetic card through the expiration date of the one-time response code.

The disclosed payment technologies of the present application may allow a service provider to process a payment by scanning a one-time response code through an application of a mobile terminal without a separate scanning device.

1 is a block diagram illustrating a payment system through a one-time response code according to an embodiment of the disclosed technology.
FIG. 2 is a block diagram illustrating a service provider terminal in FIG. 1.
3 is a block diagram illustrating a payment server in FIG. 1.
4 is a flowchart illustrating a payment processing process of a payment system through the one-time response code of FIG. 1.
5 is a diagram illustrating a process of generating a one-time response code.

The description of the disclosed technique is merely an example for structural or functional explanation and the scope of the disclosed technology should not be construed as being limited by the embodiments described in the text. That is, the embodiments may be variously modified and may have various forms, and thus the scope of the disclosed technology should be understood to include equivalents capable of realizing the technical idea. Also, the purpose or effect of the disclosed technology should not be construed as being limited thereby, as it does not mean that a particular embodiment must include all such effects or merely include such effects.

Meanwhile, the meaning of the terms described in the present application should be understood as follows.

The terms "first "," second ", and the like are intended to distinguish one element from another, and the scope of the right should not be limited by these terms. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" to another element, it may be directly connected to the other element, but there may be other elements in between. On the other hand, when an element is referred to as being "directly connected" to another element, it should be understood that there are no other elements in between. On the other hand, other expressions describing the relationship between the components, such as "between" and "immediately between" or "neighboring to" and "directly neighboring to", should be interpreted as well.

It should be understood that the singular " include "or" have "are to be construed as including a stated feature, number, step, operation, component, It is to be understood that the combination is intended to specify that it does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

In each step, the identification code (e.g., a, b, c, etc.) is used for convenience of explanation, the identification code does not describe the order of each step, Unless otherwise stated, it may occur differently from the stated order. That is, each step may occur in the same order as described, may be performed substantially concurrently, or may be performed in reverse order.

The disclosed technique may be embodied as computer readable code on a computer readable recording medium, and the computer readable recording medium may include any type of recording device that stores data that can be read by a computer system . Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and also implemented in the form of a carrier wave (for example, transmission over the Internet) . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the disclosed technology belongs, unless otherwise defined. The terms defined in the commonly used dictionary should be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present application.

1 is a block diagram illustrating a payment system through a one-time response code according to an embodiment of the disclosed technology.

Referring to FIG. 1, the payment system 100 includes a user terminal 110, an operator terminal 120, a payment server 130, and a financial server 140.

The user terminal 110 corresponds to a terminal that can communicate, such as a smartphone or a tablet PC. The user terminal 110 may receive a one-time response code by connecting to the payment server 130 through the Internet, and may allow the operator terminal 120 to read the one-time response code. For example, the disposable response code may correspond to a disposable barcode or a disposable QR code (ie, two-dimensional barcode).

The operator terminal 120 may correspond to a point of sale (POS) terminal. The operator terminal 120 interprets the one-time response code to generate a digital payment code, and transmits the order details and the digital payment code to the payment server 130. Here, the order details may correspond to the total price, and if necessary, may further include a price list consisting of the item name, unit price, number and price.

The payment server 130 performs payment processing with the order details and the digital payment code received from the operator terminal 120. In one embodiment, the payment server 130 may perform payment approval or payment cancellation in conjunction with the financial server 140 for the payment means associated with the digital payment code.

The financial server 140 corresponds to a server that can pay a cost, such as a credit card company server, a check card server. In one embodiment, payment server 130 and financial server 140 may be integrated, and in another embodiment, payment server 130 and financial server 140 may be implemented separately.

FIG. 2 is a block diagram illustrating a service provider terminal in FIG. 1.

Referring to FIG. 2, the operator terminal 120 includes a response code scan unit 210, an order history generator 220, a digital payment code obtainer 230, a payment processor 240, and a controller 250. In one embodiment, the terminal may be implemented as a POS terminal installed in a store.

The response code scan unit 210 reads the bar code so that the order history generation unit 220 generates the order history or the digital payment code acquisition unit 230 obtains the digital payment code. In an embodiment, the response code scan unit 210 may read the barcode by optically scanning the disposable response code (eg, a barcode).

When the order code generation unit 220 scans the product barcode attached to the product, the response code scan unit 210 may generate the order details by analyzing the corresponding product information, and the digital payment code acquisition unit 230 may generate the response code. When the scan unit 210 scans the disposable response code, the scan unit 210 may interpret the disposable response code to obtain a digital payment code. Here, the classification of the product barcode and the disposable response code may be performed through the controller 250.

In one embodiment, the operator terminal 120 may automate the payment processing sequence, the automation is the process of scanning n times (n is a natural number) of the consecutive product barcode through the response code scan unit 210 and one final Scan of the disposable response code. In another exemplary embodiment, the operator terminal 120 may manually determine a payment processing order, and the manual determination may include scanning a product barcode n times (n is a natural number) through the response code scan unit 210, Scan process of the one-time response code and final payment instructions.

The payment processor 240 transmits a digital payment code to the payment server 130 and waits for a payment processing result from the payment server 130. Payment processing results include payment approval or payment cancellation. The payment processing unit 240 receives an electronic signature from the user when the payment processing result is received. In one embodiment, the electronic signature may be received via an electronic sign input device. In addition, the payment processor 240 may output a paper receipt including the electronic signature or transmit the electronic receipt including the electronic signature to the payment server 130.

The controller 250 controls the response code scan unit 210, the order history generator 220, the digital payment code obtainer 230, and the payment processor 240.

3 is a block diagram illustrating a payment server in FIG. 1.

Referring to FIG. 3, the payment server 130 may include a payment method registration unit 310, a disposable response code generation unit 320, an issue information storage unit 330, a digital payment code receiving unit 340, a payment processing unit 350, The payment post-processing unit 360 and the control unit 370 are included.

The payment method registration unit 310 registers a payment method associated with the user. In one embodiment, the payment means may correspond to credit card, debit card, prepaid card, point payment, bank transfer, gift voucher code payment or mobile phone payment. Hereinafter, the payment means will be described by illustrating a credit card, this example is not intended to limit the scope of rights. More specifically, the payment method registration unit 310 may register credit card related information such as credit card number and expiration date in an internal or external database (not shown).

The disposable response code generator 320 dynamically generates a digital payment code according to a request of the user terminal 110. The digital payment code is associated with a payment method registered by the payment method registration unit 310. Dynamic means that the digital payment code can change whenever a request of the user terminal 110 occurs. In addition, the one-time response code generation unit 320 generates a one-time response code from the digital payment code and issues it to the user terminal (110).

5 is a diagram illustrating a process of generating a one-time response code.

Figure 5 illustrates the generation of a one-time response code, not intended to limit the scope of rights.

The payment method registration unit 310 may generate payment information 510 by associating the payment method identifier 512 with the payment method information 514 during the registration of the payment method. In one embodiment, the payment information 510 may be determined according to at least one of the type of payment method and the issuer. The payment identifier 512 is for identifying payment means information 514, and in one embodiment, may be implemented as a serial number. The payment means information 514 means information required when the payment is actually made. For example, in the case of a credit card, the payment method information 514 may include an identifier (BID) for identifying a credit card company, a credit card number (1111-1111-1111-1111) and a credit card expiration date assigned by the credit card company. (03/12).

The disposable response code generator 320 may combine the payment means code 522 and the dynamic code 524 in the process of generating the digital payment code 520. The payment method code 522 may correspond to a payment code including the payment method identifier 512 generated by the payment method registration unit 310. The dynamic code 524 may correspond to a variable code generated by the one-time response code generator 320, and in one embodiment, the variable code represents a time code indicating a generation time of the digital payment code 520. It may include. The time code may allow the operator terminal 120 to calculate the expiration date of the one-time response code 530. For example, the operator terminal 120 may set the validity period to a predetermined time (for example, 10 minutes) from the generation time of the digital payment code 520, and if the time code in the one-time response code 530 If 10 minutes have elapsed since the corresponding time, the payment process may be discarded (discard).

The disposable response code generator 320 may generate the disposable response code 530 by coding the digital payment code 520. 5 shows the one-time response code as one-dimensional, this matter is not intended to limit the scope of rights, it can be implemented in two or more dimensions. Here, the coding may include one of shuffling, masking or encryption. This is to prevent the digital payment code 520 from being easily interpreted by a third party. Meanwhile, in FIG. 2, the digital payment code acquisition unit 230 may obtain the digital payment code 520 by decoding the one-time response code 530. Here, the decoding may include at least one of deshuffling, unmasking or decoding.

3 and 5, the issue information storage unit 330 stores the disposable response code issue information 540, and the disposable response code issue information 540 is the disposable response code generated by the disposable response code generator 320. At least digital payment code 520 and redemption code for the code. Here, the usage code 544 indicates whether the disposable response code issued by the disposable response code generation unit 320 has already been used.

3 again, the digital payment code receiving unit 340 receives the digital payment code derived from the one-time response code read by the operator terminal 120 together with the order details when the one-time response code is read by the operator terminal 120. .

The payment processing unit 350 performs payment processing (for example, payment approval or payment cancellation) regarding the order details through the payment means associated with the digital payment code. In this process, the payment processing unit 350 may check the usage code associated with the digital payment code and discard the payment processing if it is already used. In one embodiment, the payment processing unit 350 may perform payment processing in connection with an external server (for example, a server of a credit card company) associated with the payment method as a payment method.

The payment post-processing unit 360 receives an electronic signature from the operator terminal 120 when the payment processing is performed. In one embodiment, the electronic signature may be obtained through a sign pad connected with the operator terminal 120. In addition, the payment post-processing unit 360 may generate an electronic receipt including an electronic signature. In one embodiment, the electronic receipt may be stored in an external trusted third party (eg, an authorized electronic archive) or transmitted to the user terminal 110.

4 is a flowchart illustrating a payment processing process of a payment system through the one-time response code of FIG. 1.

In the registration process, the user terminal 110 registers the payment means (for example, credit card) associated with the user to the payment server 130 (step S410). As shown in FIG. 5, the payment server 130 may register a payment means as payment information 510.

In the payment process, the user terminal 110 requests a one-time response code associated with the payment means already registered in the payment server 130 (step S415). The payment server 130 dynamically generates a digital payment code associated with a payment method according to a request of the user terminal 110 (step S420). In one embodiment, for dynamic generation, payment server 130 may use the generation time of the digital payment code.

The payment server 130 issues a one-time response code generated based on the digital payment code to the user terminal 110 (step S425). Before or after issuing, the payment server 130 may store the disposable response code issuing information (step S423).

In one embodiment, issuance of a one-time response code may include graphical transmission. This method may be useful when the user terminal 110 displays a one-time response code as a multimedia message service (MMS). In another embodiment, issuance of a one-time response code may include the transmission of digital information that makes up the barcode. This approach can be useful when the user terminal 110 displays a one-time response code as an application.

The operator terminal 120 obtains the order details (step S430). In one embodiment, order details may be obtained through barcode scanning or Radio Frequency IDentification (RFID) technology. The operator terminal 120 reads the one-time response code in the user terminal 110 (step S435). In one embodiment, the operator terminal 120 may read the disposable response code through a barcode scan. On the other hand, the process of obtaining the order details and the process of reading the one-time response code does not necessarily need to be performed in the order of Figure 4, the reverse response or one-time response code may be read during the process of obtaining the order details. In addition, the operator terminal 120 obtains a digital payment code based on the one-time response code (step S440).

The operator terminal 120 transmits the digital payment code together with the order details to the payment server 130 (step S445), and the payment server 130 checks the usage code associated with the digital payment code and the digital payment code is already used. Is checked (step S447). If already used, the payment server 130 discards the payment process.

More specifically, the payment server 130 requests the payment to the financial server 140 after the payment means information associated with the digital payment code (step S450). The financial server 140 processes the payment (step S455) and transmits the payment processing result to the payment server 130 (step S460). The payment server 130 transmits the payment processing result to the operator terminal 120 (step S465), and if necessary, transmits the payment processing result to the user terminal 110 (step S470).

It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit and scope of the present invention as set forth in the following claims It can be understood that

100: payment system
110: User terminal
120: operator terminal
130: payment server
140: financial server

Claims (27)

(a) registering a payment means associated with the user;
(b) dynamically generating a digital payment code associated with the registered payment means at the request of the user terminal and issuing a one-time response code to the user terminal;
(c) receiving the digital payment code derived from the read one-time response code together with the order details when the issued one-time response code is read by the operator terminal; And
(d) performing a payment process relating to the order details through a payment means associated with the digital payment code, the payment method via a one-time response code executed by the payment server.
The digital payment code of claim 1, wherein
The method of payment via a one-time response code, characterized in that corresponding to the payment code including a payment means identifier for identifying the registered payment means.
The digital payment code of claim 2, wherein the digital payment code is
And a time code indicating a generation time of the digital payment code to allow the service provider terminal to calculate an expiration date from the one-time response code.
The method of claim 1, wherein the one-time response code
Generated by coding the digital payment code, the coding comprising at least one of shuffling, masking or encryption.
The method of claim 1,
(e) between the steps (b) and (c), storing the one-time response code issuance information including at least the digital payment code and the usage code. Way.
The method of claim 5, wherein step (d)
Checking the usage code associated with the received digital payment code and deleting the information related to the payment processing if it has already been used.
2. The method of claim 1, wherein step (d)
The payment method through the one-time response code, characterized in that further comprising the step of performing the payment approval or payment cancellation of the order details through the associated payment means.
The method of claim 1, wherein the payment means
Credit card, debit card, prepaid card, point payment, bank transfer, gift voucher code payment or mobile payment method characterized in that corresponding to the mobile payment.
The method of claim 1,
Receiving the electronic signature from the operator terminal when the payment processing is performed, and generating an electronic receipt including the received electronic signature.
10. The method of claim 9, wherein the generated electronic receipt
The payment method through a one-time response code, characterized in that stored in the outside or transmitted to the user terminal.
The method of claim 1, wherein the one-time response code
Payment method through a one-time response code, characterized in that corresponding to a one-time barcode or disposable QR code.
A service provider terminal connected to a payment server that registers a payment method associated with a user and dynamically generates a digital payment code associated with the registered payment method according to a request of the user terminal and issues a one-time response code to the user terminal. In the payment method through a one-time response code performed in,
Generating an order history;
Reading the disposable response code displayed by the user terminal;
Obtaining a digital payment code corresponding to the read disposable response code; And
And transmitting the digital payment code to the payment server to cause the payment server to perform payment processing.
The method of claim 12, wherein reading the one-time response code
And optically scanning the one-time response code displayed by the user terminal.
The method of claim 12 or 13, wherein the step of obtaining a digital payment code corresponding to the read disposable response code is
Decoding the read one-time response code to obtain the digital payment code;
The decoding method of one-time response code, characterized in that it comprises at least one of deshuffling, unmasking or decryption.
The method of claim 12,
When the payment processing is performed, the method of payment via a one-time response code further comprising the step of receiving an electronic signature.
16. The method of claim 15,
The method of claim 1 further comprising the step of outputting a paper receipt including the received electronic signature.
16. The method of claim 15,
The method of claim 1 further comprising the step of transmitting the electronic receipt containing the received electronic signature to the payment server.
The method of claim 12,
And calculating a valid period by obtaining a time code indicating an issuing time of the one-time response code from the read one-time response code.
A payment means registration unit that registers a payment means associated with the user;
A one-time response code generator for dynamically generating a digital payment code associated with the registered payment means upon request of a user terminal and issuing a one-time response code to the user terminal;
A digital payment code receiving unit for receiving the order details and the digital payment code derived from the read one-time response code when the issued one-time response code is read by an operator terminal; And
Payment server for performing a payment via a one-time response code including a payment processing unit for performing a payment processing for the order details through a payment means associated with the digital payment code.
20. The method of claim 19,
And a payment information storage unit for storing one-time response code issuance information including at least the digital payment code and the usage code.
21. The method according to claim 19 or 20,
Receiving an electronic signature from the operator terminal when the payment processing is performed, and further comprising a payment post-processing unit for generating an electronic receipt including the received electronic signature payment to perform a payment via a one-time response code server.
A service provider terminal connected to a payment server that registers a payment means associated with a user and dynamically generates a digital payment code associated with the registered payment means according to a request of a user terminal, and issues a one-time response code to the user terminal.
A response code scan unit for reading a product barcode attached to a product and a disposable response code displayed by the user terminal;
An order history generator for generating an order history from the product barcode;
A digital payment code obtaining unit which obtains a digital payment code by interpreting the read single use response code; And
And a payment processing unit which transmits the obtained digital payment code to the payment server and causes the payment server to perform payment processing through the payment means.
The method of claim 22, wherein the response code scan unit
Operator terminal, characterized in that for optically scanning the one-time response code displayed by the user terminal.
The method of claim 22 or 23, wherein the digital payment code acquisition unit
And decode the read disposable response code to obtain the digital payment code, wherein the decoding comprises at least one of deshuffling, unmasking or decoding.
The method of claim 24, wherein the payment processing unit
And an electronic signature when the payment process is performed.
The method of claim 25, wherein the payment processing unit
And a paper receipt including the received electronic signature.
The method of claim 25, wherein the payment processing unit
And an electronic receipt including the received electronic signature to the payment server.

Images