WO2017014501A1 - Beacon payment approval request generation and payment system - Google Patents

Abstract

The present invention relates to: a beacon payment approval request generation system configured to approve transactions when purchaser identification information is transmitted to a POS terminal, which has received a purchase list, through communication using a beacon, and to generate a payment approval request by a management/PG server or a purchaser terminal, thereby having excellent convenience and security; and a beacon payment system configured by further including a financial server in the beacon payment approval request generation system, thereby implementing simple payment using a beacon.

Description

Beacon payment approval request generation and payment system

The present invention is a beacon payment with excellent convenience and security by being configured so that the transaction is approved and the payment approval request is generated by the management / PG server or the buyer terminal when the buyer identification information is transmitted to the POS terminal receiving the purchase list by the beacon communication It relates to a beacon payment system for implementing a simple payment by further comprising a financial server in the approval request generation system and the payment approval request generation system.

Due to the development of IT and financial technology, payment technology related to fintech is developing differently every day. Among the technology related to fintech, the simple payment market can be divided into online payment and offline payment.On the other hand, online payment is widely commercialized by ISP payment and secure payment, while offline payment is based on NFC, barcode, QR code, SIM, and beacon. Various forms of payment are beginning to be introduced. In order to preoccupy this offline payment market, not only global companies such as Apple, Alibaba, and Samsung, which are serving Apple Pay, Alipay, and Samsung Pay, but also large IT companies that provide credit card companies or smartphone payments that provide app card payments. Even companies have entered the competition.

App card payment is a method of proceeding payment by presenting a barcode or QR code to a branch by running an application, NFC payment is a method of processing a payment by contacting the NFC chip embedded in the smartphone in close proximity to the dongle NFC reader. . These technologies have the advantage of eliminating the risk of loss and duplication of existing magnetic cards or IC cards.However, in the case of app card payments, customers who purchase goods at offline stores run smartphone applications to bar code or QR It is inconvenient to present the code, and in the case of NFC payment, the activation rate of the NFC equipment (dongle) is low in the sales office.

In this situation, Apple Pay and Samsung Pay are introducing services such as Apple Pay and Samsung Pay as weapons for convenience and security. However, Apple Pay has a problem of installing and distributing NFC devices, and Samsung Pay is a technology that can be applied only to the latest device models. There is a problem.

On the other hand, PayPal beacons, BC Card ZEP, Apple Pay, etc., which can be paid by contactless near-field communication using beacons, are providing a service or commercialization. PayPal Beacon is considered as a high convenience for buyers as it is a system that can complete payment by simply entering a store without touching a card or a smartphone. However, when many buyers make a payment at once, there is a problem that they can exit the sales office without checking the payment. In addition, BC Card's ZEP service allows customers who have installed the app to visit the store and go to the store POS without running the application. Payment is completed at the touch of a button, but this is not a one-to-one payment, but a limitation of the scope of application that can be used by multiple customers to pay at once in a venue such as a stadium or a concert hall.

Therefore, the present invention not only provides convenience by overcoming the limitations of the existing offline payment using wireless communication technology among offline payment methods, but also in the case of a large amount according to the purchase amount criteria set by the buyer, We will present a simple payment technology that improves security, such as checking the pre-payment history and setting up personal authentication.

According to the present invention, when a buyer purchases a product or a service at an offline branch or an order delivery company such as a mart, a simple and secure payment is made by processing the payment to the terminal of the purchaser through a short range wireless communication technology using a beacon. The purpose of the present invention is to provide a beacon payment approval request generation system and a beacon payment system.

The present invention for solving the above-mentioned problems "POS terminal provided to the delivery person of the sales office or order delivery company selling goods or services; A beacon provided near or inside the POS terminal to transmit beacon identification information matched with the POS terminal; Buyer terminal consisting of a mobile terminal having a buyer identification information; And a management / PG server that stores the beacon identification information, the buyer identification information, and the buyer financial information, wherein the POS terminal receives a purchase list and the beacon has a communication range of a predetermined radius. The beacon identification information is transmitted through the method, and the buyer terminal receives the beacon identification information and transmits the beacon identification information to the management / PG server together with the buyer identification information, and the management / PG server transmits the beacon identification information and the buyer. Receives the identification information and transmits the buyer identification information to the POS terminal matched with the beacon identification information, the POS terminal receives the buyer identification information, and approves the transaction for the purchase list to manage the transaction approval history / PG server, and the management / PG server receives the transaction approval history and calculated based on the buyer financial information It provides a beacon payment approval request generation system, characterized in that configured to generate a payment approval request including the payment means and the amount.

In addition, the present invention "POS terminal provided to the delivery person of the sales office or order delivery company selling goods or services; Buyer terminal consisting of a mobile terminal having a buyer identification information; Beacons provided in the buyer terminal for transmitting beacon identification information matched with the buyer identification information; And a management / PG server storing the buyer identification information, the beacon identification information, and the buyer financial information. The POS terminal receives a purchase list, and the beacon has a communication range of a predetermined radius. The beacon identification information is transmitted through the method, and the POS terminal receives the beacon identification information and transmits it to the management / PG server, and the management / PG server receives the beacon identification information and transmits the beacon identification information to the beacon identification information. Transmitting matched buyer identification information to the POS terminal, the POS terminal receives the buyer identification information, approves the transaction for the purchase list, and transmits transaction approval details to the management / PG server, and the management / The PG server receives the transaction approval history and generates a payment approval request including a payment means and an amount calculated based on the buyer financial information. It provides the configured beacon rock payment authorization request generation system according to claim. "

In addition, the present invention "POS terminal provided to the delivery person of the sales office or order delivery company selling goods or services; A beacon provided near or inside the POS terminal to transmit beacon identification information matched with the POS terminal; A buyer terminal that stores buyer financial information as a mobile terminal having buyer identification information; And a management / PG server storing the beacon identification information and the purchaser identification information, wherein the POS terminal receives a purchase list and the beacon has a communication range of a predetermined radius through the short range wireless communication method. Sends beacon identification information, the buyer terminal receives the beacon identification information and transmits it to the management / PG server with the buyer identification information, the management / PG server receives the beacon identification information and the buyer identification information And transmit the purchaser identification information to the POS terminal matched with the beacon identification information, the POS terminal receives the purchaser identification information, approves the transaction for the purchase list, and sends the transaction approval details to the management / PG server. And the management / PG server receives the transaction approval information and transmits the transaction approval to the buyer terminal. The buyer provides the financial information for the beacon payment authorization request generation system wherein configured to generate a payment authorization request including the payment method and the amount calculated based on "

The present invention is a POS terminal provided to a delivery person of a sales office or an order delivery company selling goods or services; A buyer terminal that stores buyer financial information as a mobile terminal having buyer identification information; Beacons provided in the buyer terminal for transmitting beacon identification information matched with the buyer identification information; And a management / PG server storing the purchaser identification information and the beacon identification information, wherein the POS terminal receives a purchase list, and the beacon has a communication range of a predetermined radius through the short range wireless communication method. Send beacon identification information, the POS terminal receives the beacon identification information and transmits it to the management / PG server, the management / PG server receives the beacon identification information and matching the buyer identification to the beacon identification information Information is transmitted to the POS terminal, the POS terminal receives the purchaser identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server, and the management / PG server Receives the transaction approval and transmits it to the buyer terminal, and the buyer terminal receives payment means and gold calculated based on the buyer financial information. It provides that configured to generate a payment authorization request beacon payment authorization request generation system according to claim "including.

In the above beacon payment approval request system, the management / PG server is configured to transmit a warning message when the indication of a commerce abnormality is identified through big data purchase pattern analysis when transmitting the buyer identification information to the POS terminal. can do.

In addition, the present invention "the beacon payment approval request generation system in which the management / PG server stores the buyer financial information; And a financial server for approving the payment and storing the details, wherein the management / PG server transmits the generated payment approval request to the financial server, and the financial server receives the payment approval request and approves the payment. Then, the payment approval details are transmitted to the management / PG server, and the management / PG server provides the beacon payment system, wherein the payment approval details are configured to be transmitted to the POS terminal and the purchaser terminal.

At this time, the management / PG server transmits the purchaser's owner authentication request online to the buyer's terminal before transmitting the generated payment approval request to the financial server, and after the purchaser's owner authentication is made by the buyer's terminal, the payment approval request is made. It may be characterized in that configured to transmit to the financial server.

In addition, the present invention "the beacon payment approval request generation system in which the management / PG server stores the buyer financial information; And a financial server for approving the payment and storing the details, wherein the management / PG server transmits the generated payment approval request and online purchaser authentication request to the purchaser terminal, and the purchaser terminal approves the payment. After receiving the request and the purchaser authentication request online and performing the purchaser authentication, the payment approval request is transmitted to the financial server, and the financial server receives the payment approval request and approves the payment. The management / PG server, and the management / PG server provides a beacon payment system, characterized in that configured to transmit the payment approval details to the POS terminal and the buyer terminal.

In addition, the present invention "the buyer terminal is a beacon payment approval request generation system for storing the buyer financial information; And a financial server for approving the payment and storing the details. The buyer terminal transmits the generated payment approval request to the financial server, and the financial server receives the payment approval request and approves the payment. The payment approval details are transmitted to the management / PG server, and the management / PG server together with the beacon payment system, characterized in that configured to transmit the payment approval details to the POS terminal and the purchaser terminal.

According to the beacon payment approval request generation system and the beacon payment system according to the present invention has the following effects.

1. Convenience for payment

(1) Various payment methods such as card payment and bank transfer can be used through the purchaser's terminal, so that the purchaser can perform payment without having to carry a credit card or cash.

(2) When the buyer pays for an amount exceeding a certain range according to the criteria set in advance, the security of payment can be enhanced by requiring an additional identity verification process.

(3) The buyer can check the payment amount, purchase history, various discounts, etc. before the payment.

(4) The buyer can receive benefits such as points and coupon accumulation or discount by differentiating customer value according to customer information such as purchase amount and purchase frequency, without having to present or present a credit card or membership card.

(5) When applied to an order delivery company, a delivery employee can secure convenience of on-site payment by using a mobile POS terminal.

2. Security of Payment

(1) Tokenize the data related to transactions such as beacon identification information, buyer identification information, POS identification information, and buyer financial information to increase the security of the transaction.

(2) The buyer's financial information is stored in the management / PG server with excellent security and the SIM chip of the buyer's terminal, and the financial information is not left in the POS terminal, which is relatively vulnerable to hacking, thereby preventing the leakage of financial information due to hacking. .

(3) The management / PG server provides the purchaser identification information to the POS terminal, so that the basic purchaser can be recognized. In the case of high payment, the security can be increased by additionally going through the purchaser's own authentication step.

1 is a schematic diagram of an embodiment of a beacon payment approval request generation system according to the present invention.

2 and 3 are flowcharts illustrating a process of generating a payment approval request in the beacon payment approval request generation system as shown in FIG. 1.

4 is a schematic diagram of another embodiment of a beacon payment approval request generation system according to the present invention.

5 and 6 are flowcharts showing a procedure of generating a payment approval request in the beacon payment approval request generation system as shown in FIG. 4.

7 and 8 are schematic diagrams of embodiments of a beacon payment system according to the present invention.

[Fig. 9] to [12] is a flowchart illustrating a procedure of making a payment in a beacon payment system according to the present invention.

A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; A beacon provided near or inside the POS terminal to transmit beacon identification information matched with the POS terminal; Buyer terminal consisting of a mobile terminal having a buyer identification information; A management / PG server storing the beacon identification information, the buyer identification information, and the buyer financial information; And a financial server for approving payment and storing the details, wherein the POS terminal receives a purchase list, and the beacon transmits the beacon identification information through a short range wireless communication method with a communication radius of a predetermined radius. The buyer terminal receives the beacon identification information and transmits the beacon identification information together with the buyer identification information to the management / PG server, and the management / PG server receives the beacon identification information and the buyer identification information and transmits the beacon identification information to the beacon identification information. The buyer identification information is transmitted to a matched POS terminal, the POS terminal receives the buyer identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server, and the management / The PG server receives the transaction approval history and requests for payment approval including a payment method and an amount calculated based on the buyer financial information. After generating and transmitting to the financial server, the financial server receives the payment approval request to approve payment and transmits payment approval details to the management / PG server, and the management / PG server sends the payment approval details to the financial server. Beacon payment approval request generation and payment system, characterized in that configured to transmit to the POS terminal and the buyer terminal

First Embodiment

A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; A beacon provided near or inside the POS terminal to transmit beacon identification information matched with the POS terminal; Buyer terminal consisting of a mobile terminal having a buyer identification information; A management / PG server storing the beacon identification information, the buyer identification information, and the buyer financial information; And a financial server for approving payment and storing the details, wherein the POS terminal receives a purchase list, and the beacon transmits the beacon identification information through a short range wireless communication method with a communication radius of a predetermined radius. The buyer terminal receives the beacon identification information and transmits the beacon identification information together with the buyer identification information to the management / PG server, and the management / PG server receives the beacon identification information and the buyer identification information and transmits the beacon identification information to the beacon identification information. The buyer identification information is transmitted to a matched POS terminal, the POS terminal receives the buyer identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server, and the management / The PG server receives the transaction approval history and requests for payment approval including a payment method and an amount calculated based on the buyer financial information. After generating and transmitting to the financial server, the financial server receives the payment approval request to approve payment and transmits payment approval details to the management / PG server, and the management / PG server sends the payment approval details to the financial server. Beacon payment approval request generation and payment system, characterized in that configured to transmit to the POS terminal and the buyer terminal.

Second Embodiment

A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; Buyer terminal consisting of a mobile terminal having a buyer identification information; Beacons provided in the buyer terminal for transmitting beacon identification information matched with the buyer identification information; A management / PG server storing the buyer identification information, the beacon identification information, and the buyer financial information; And a financial server for approving payment and storing the details, wherein the POS terminal receives a purchase list, and the beacon transmits the beacon identification information through a short range wireless communication method with a communication radius of a predetermined radius. The POS terminal receives the beacon identification information and transmits it to the management / PG server, and the management / PG server receives the beacon identification information and matches the buyer identification information matched with the beacon identification information to the POS terminal. The POS terminal receives the purchaser identification information, approves the transaction for the purchase list, and transmits the transaction approval information to the management / PG server, and the management / PG server receives the transaction approval information. The payment approval request including the payment means and the amount calculated based on the buyer financial information is generated and transmitted to the financial server, and the financial server Receives the payment approval request to approve payment and transmits payment approval details to the management / PG server, the management / PG server is configured to send the payment approval details to the POS terminal and the buyer terminal Beacon payment approval request generation and payment system.

Third Embodiment

A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; A beacon provided near or inside the POS terminal to transmit beacon identification information matched with the POS terminal; A buyer terminal that stores buyer financial information as a mobile terminal having buyer identification information; A management / PG server storing the beacon identification information and the buyer identification information; And a financial server for approving payment and storing the details, wherein the POS terminal receives a purchase list, and the beacon transmits the beacon identification information through a short range wireless communication method with a communication radius of a predetermined radius. The buyer terminal receives the beacon identification information and transmits the beacon identification information together with the buyer identification information to the management / PG server, and the management / PG server receives the beacon identification information and the buyer identification information and transmits the beacon identification information to the beacon identification information. The buyer identification information is transmitted to a matched POS terminal, the POS terminal receives the buyer identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server, and the management / The PG server receives the transaction approval information and transmits the transaction approval to the purchaser terminal, which purchases the buyer financial information. Generate a payment approval request including the payment means and the amount calculated by the transfer to the financial server, the financial server receives the payment approval request to approve payment and transmits the payment approval history to the management / PG server The beacon payment approval request generation and payment system, characterized in that the management / PG server is configured to send the payment approval details to the POS terminal and the buyer terminal.

Fourth Embodiment

A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; A buyer terminal that stores buyer financial information as a mobile terminal having buyer identification information; Beacons provided in the buyer terminal for transmitting beacon identification information matched with the buyer identification information; A management / PG server storing the buyer identification information and the beacon identification information; And a financial server for approving payment and storing the details, wherein the POS terminal receives a purchase list, and the beacon transmits the beacon identification information through a short range wireless communication method with a communication radius of a predetermined radius. The POS terminal receives the beacon identification information and transmits it to the management / PG server, and the management / PG server receives the beacon identification information and matches the buyer identification information matched with the beacon identification information to the POS terminal. The POS terminal receives the purchaser identification information, approves the transaction for the purchase list, and transmits the transaction approval information to the management / PG server, and the management / PG server receives the transaction approval information. A payment approval request including a payment means and an amount calculated based on the buyer financial information. After generating and transmitting to the financial server, the financial server receives the payment approval request to approve payment and transmits payment approval details to the management / PG server, and the management / PG server sends the payment approval details to the financial server. Beacon payment approval request generation and payment system, characterized in that configured to transmit to the POS terminal and the buyer terminal.

The present invention relates to a system that enables consumers to safely and securely pay various goods and services without leakage of financial information without having to carry cash. The present invention relates to sales of banks, credit card companies, terminal manufacturers, payment system managers and operators. Contribute to the growth and vitalization of the general goods and services market.

Claims (8)

A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; A beacon provided near or inside the POS terminal to transmit beacon identification information matched with the POS terminal; Buyer terminal consisting of a mobile terminal having a buyer identification information; A management / PG server storing the beacon identification information, the buyer identification information, and the buyer financial information; And Including a financial server for approving the payment and storing the details; The POS terminal receives a purchase list, The beacon has a communication range of a predetermined radius and transmits the beacon identification information through a short range wireless communication method, The buyer terminal receives the beacon identification information and transmits it to the management / PG server with the buyer identification information, The management / PG server receives the beacon identification information and the buyer identification information and transmits the buyer identification information to the POS terminal matched with the beacon identification information, The POS terminal receives the buyer identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server. The management / PG server receives the transaction approval history, generates a payment approval request including a payment means and an amount calculated based on the buyer financial information, and transmits it to the financial server. The financial server receives the payment approval request, approves the payment, and transmits payment approval details to the management / PG server. The management / PG server is a beacon payment approval request generation and payment system, characterized in that configured to transmit the payment approval details to the POS terminal and the buyer terminal. A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; Buyer terminal consisting of a mobile terminal having a buyer identification information; Beacons provided in the buyer terminal for transmitting beacon identification information matched with the buyer identification information; A management / PG server storing the buyer identification information, the beacon identification information, and the buyer financial information; And Including a financial server for approving the payment and storing the details; The POS terminal receives a purchase list, The beacon has a communication range of a predetermined radius and transmits the beacon identification information through a short range wireless communication method, The POS terminal receives the beacon identification information and transmits it to the management / PG server, The management / PG server receives the beacon identification information and transmits the buyer identification information matched with the beacon identification information to the POS terminal, The POS terminal receives the buyer identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server. The management / PG server receives the transaction approval history, generates a payment approval request including a payment means and an amount calculated based on the buyer financial information, and transmits it to the financial server. The financial server receives the payment approval request, approves the payment, and transmits payment approval details to the management / PG server. The management / PG server is a beacon payment approval request generation and payment system, characterized in that configured to transmit the payment approval details to the POS terminal and the buyer terminal. A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; A beacon provided near or inside the POS terminal to transmit beacon identification information matched with the POS terminal; A buyer terminal that stores buyer financial information as a mobile terminal having buyer identification information; A management / PG server storing the beacon identification information and the buyer identification information; And Including a financial server for approving the payment and storing the details; The POS terminal receives a purchase list, The beacon has a communication range of a predetermined radius and transmits the beacon identification information through a short range wireless communication method, The buyer terminal receives the beacon identification information and transmits it to the management / PG server with the buyer identification information, The management / PG server receives the beacon identification information and the buyer identification information and transmits the buyer identification information to the POS terminal matched with the beacon identification information, The POS terminal receives the buyer identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server. The management / PG server receives the transaction approval history and transmits it to the buyer terminal, The buyer terminal generates a payment approval request including the payment means and the amount calculated based on the buyer financial information and transmits it to the financial server, The financial server receives the payment approval request, approves the payment, and transmits payment approval details to the management / PG server. The management / PG server is a beacon payment approval request generation and payment system, characterized in that configured to transmit the payment approval details to the POS terminal and the buyer terminal. A POS terminal provided to a salesman who sells goods or services or a delivery person of an order delivery company; A buyer terminal that stores buyer financial information as a mobile terminal having buyer identification information; Beacons provided in the buyer terminal for transmitting beacon identification information matched with the buyer identification information; A management / PG server storing the buyer identification information and the beacon identification information; And Including a financial server for approving the payment and storing the details; The POS terminal receives a purchase list, The beacon has a communication range of a predetermined radius and transmits the beacon identification information through a short range wireless communication method, The POS terminal receives the beacon identification information and transmits it to the management / PG server, The management / PG server receives the beacon identification information and transmits the buyer identification information matched with the beacon identification information to the POS terminal, The POS terminal receives the buyer identification information, approves a transaction for the purchase list, and transmits transaction approval details to the management / PG server. The management / PG server receives the transaction approval history and transmits it to the buyer terminal, The buyer terminal generates a payment approval request including the payment means and the amount calculated based on the buyer financial information and transmits it to the financial server, The financial server receives the payment approval request, approves the payment, and transmits payment approval details to the management / PG server. The management / PG server is a beacon payment approval request generation and payment system, characterized in that configured to transmit the payment approval details to the POS terminal and the buyer terminal. The method according to any one of claims 1 to 4, The management / PG server is a beacon payment approval request generation and payment system, characterized in that configured to transmit a warning message when the indication of a transaction abnormality is identified through big data purchase pattern analysis when transmitting the buyer identification information to the POS terminal. . The method according to any one of claims 1 to 4, The buyer financial information includes credit card benefit information, various membership information, Beacon payment approval request generation and payment system, characterized in that configured to calculate the amount of reflecting the benefit information and various membership information of the credit card when generating the payment approval request based on the buyer financial information. The method of claim 1 or 2, The management / PG server transmits the purchaser's owner authentication request online to the purchaser's terminal before sending the generated payment approval request to the financial server, and after the purchaser's owner authentication is made by the buyer's terminal, the payment approval request is recalled. Beacon payment approval request generation and payment system, characterized in that configured to transmit to the financial server. The method of claim 1 or 2, The management / PG server transmits the generated payment approval request and the purchaser's principal authentication request online to the purchaser terminal, The buyer terminal receives the payment approval request and the purchaser's owner authentication request online, performs the buyer's owner authentication, and transmits the payment approval request to the financial server. The financial server receives the payment approval request, approves the payment, and transmits payment approval details to the management / PG server. The management / PG server is a beacon payment approval request generation and payment system, characterized in that configured to transmit the payment approval details to the POS terminal and the buyer terminal.

Images