KR-20260066321-A - PAYMENT TERMINAL PROVIDING QR CODE FOR PAYMENT AND OPERATING METHOD THEREOF

KR20260066321AKR 20260066321 AKR20260066321 AKR 20260066321AKR-20260066321-A

Abstract

A payment terminal providing a payment QR code (Quick Response code) is disclosed. A payment terminal according to one embodiment of the present invention may include a processor that controls the communication unit to receive an ultrasonic signal including a storage unit, a communication unit, and identification information of at least one simple payment service from a user terminal, controls the communication unit to transmit the identification information of the at least one simple payment service included in the received ultrasonic signal and merchant information registered by the payment terminal to a VAN server, and generates and displays a QR code based on QR code information received from the VAN server.

Inventors

안종훈

Assignees

한국정보통신주식회사

Dates

Publication Date: 20260512
Application Date: 20241104

Claims (14)

In a payment terminal that provides a payment QR code (Quick Response code), Storage section; Communications Department: and Control the communication unit to receive an ultrasonic signal including identification information of at least one simple payment service from a user terminal, and Control the communication unit to transmit the identification information of the at least one simple payment service included in the received ultrasonic signal and the merchant information where the payment terminal is registered to the VAN server, and A payment terminal comprising: a processor that generates and displays a QR code based on QR code information received from the above-mentioned VAN server.
In paragraph 1, The above ultrasonic signal is, A payment terminal that is dispatched when the above user terminal receives a payment start input for using at least one simple payment service.
In paragraph 1, The above QR code information is, A payment terminal received when it is confirmed that a merchant is a merchant registered with the simple payment service based on identification information of at least one simple payment service and merchant information registered with the payment terminal.
In paragraph 1, The above processor is, A payment terminal that transmits payment information for an item currently being paid to the VAN server, together with identification information of at least one simple payment service included in the received ultrasonic signal and merchant information where the payment terminal is registered.
In paragraph 1, The above payment terminal is, A payment terminal comprising a sensor or microphone that receives the above ultrasonic signal.
In paragraph 1 or 5, The above processor is, A payment terminal that turns on a reception mode for the ultrasonic signal when switching to a graphic user interface (GUI) screen capable of selecting and inputting at least one simple payment service.
In paragraph 1, The above user terminal is, A payment terminal that reads the QR code displayed above to obtain payment information, generates a payment approval request, and transmits it to a payment company server.
In a method of operation of a payment terminal that provides a payment QR code (Quick Response code), A process of controlling the communication unit to receive an ultrasonic signal from a user terminal that includes identification information of at least one simple payment service; A process of controlling the communication unit to transmit identification information of at least one simple payment service included in the received ultrasonic signal and merchant information registered with the payment terminal to a VAN server; and A method of operation of a payment terminal comprising: a process of generating and displaying a QR code based on QR code information received from the above-mentioned VAN server.
In paragraph 8, The above ultrasonic signal is, A method of operation of a payment terminal, which is transmitted when the user terminal receives a payment start input for using at least one simple payment service.
In paragraph 8, The above QR code information is, A method of operation of a payment terminal, which is received when it is confirmed that a merchant is a merchant registered with the simple payment service based on identification information of at least one simple payment service and merchant information registered with the payment terminal.
In paragraph 8, The process of transmitting to the aforementioned van server is, A method of operation of a payment terminal comprising: a process of transmitting to the VAN server payment information for an item currently being paid for, together with identification information of at least one simple payment service included in the received ultrasonic signal and merchant information registered with the payment terminal.
In paragraph 8, The above payment terminal is, A method of operation of a payment terminal comprising a sensor or microphone that receives the above ultrasonic signal.
In paragraph 8 or 12, A method of operation of a payment terminal, further comprising: a process of turning on a reception mode for the ultrasonic signal when switching to a graphic user interface (GUI) screen capable of selecting input for at least one simple payment service.
In paragraph 8, The above user terminal is, A method of operation of a payment terminal that reads the QR code displayed above to obtain payment information, generates a payment approval request, and transmits it to a payment company server.

Description

Payment terminal providing a QR code for payment and method of operation thereof The present invention relates to a payment terminal that provides a QR code for payment and a method of operation thereof, and more specifically, to a payment terminal that automatically receives a user request and provides a QR code for payment and a method of operation thereof. With the widespread adoption of smartphones, payment methods have also undergone continuous changes to utilize smartphones. Recently, the introduction of simple payment methods using QR codes (Quick Response codes) has significantly improved user payment convenience. QR codes are barcodes in the form of a two-dimensional matrix composed of square patterns; compared to other media, they are easy to recognize via mobile devices and are therefore being actively adopted for simple payments. Examples of payment methods using QR codes include the fixed QR method, where a merchant displays a printed QR code and the consumer scans it with a mobile app to process the payment, and the variable QR method, where the consumer generates a QR code by clicking 'Payment' in a smartphone payment app and the merchant loads it with a QR reader to process the payment. As an example of the technology forming the background of the present invention, Korean Registered Patent No. 10-2337272 (December 3, 2021) discloses a payment service system in which, upon a user's payment request, payment-related information is transmitted from a service provider terminal to a user terminal via a wireless communication method (BLE, NFC, etc.), and the user terminal requests payment through a service provider server. FIG. 1 is a drawing of a simple payment system according to one embodiment of the present invention. FIG. 2 is a block diagram of a payment terminal according to one embodiment of the present invention. FIG. 3 is a flowchart of a simple payment system according to one embodiment of the present invention. FIG. 4 is a detailed block diagram of a payment server according to one embodiment of the present invention. FIG. 5 is a flowchart of an operation method of a payment terminal according to an embodiment of the present invention. The operating principles of preferred embodiments of the present invention will be described in detail below with reference to the attached drawings. Furthermore, in describing embodiments of the invention, detailed descriptions of related known functions or configurations will be omitted if it is determined that such detailed descriptions could obscure the essence of the present disclosure. Additionally, the terms used below are defined considering their functions in the present invention, and these may vary depending on the intentions or conventions of the user or operator. Therefore, the definitions of the terms used should be interpreted based on the content throughout this specification and the corresponding functions. FIG. 1 is a drawing of a simple payment system according to one embodiment of the present invention. Simple payment refers to a payment method that allows for simple transactions without going through complex procedures such as authentication with a digital certificate. It is also commonly called Smart Pay because it typically utilizes a smartphone. A representative method of simple payment is payment using QR codes. A QR code (Quick Response Code) is a code system that represents a significant advancement over traditional barcodes in terms of usability and informational capabilities. QR code methods are divided into the MPM method, where the merchant presents the QR code and the customer scans it using a mobile device, and the CPM method, where the customer presents the QR code and the merchant scans it with a reader. Referring to FIG. 1, the simple payment system may include a user terminal (100), a payment terminal (200), a VAN server (300), and a payment company server (400). A user terminal (100) and a payment terminal (200) can perform a simple payment using a QR code. For example, the user terminal (100) can perform a simple payment by reading (or scanning) a QR code displayed on the display of the payment terminal (200). In this case, information regarding the simple payment service used for payment must be shared between the user terminal (100) and the payment terminal (200). According to one embodiment of the present invention, a user terminal (100) and a payment terminal (200) can share information about at least one simple payment service used for payment, for example, identification information of the simple payment service, by using an ultrasonic signal. For example, a user terminal (100) may obtain a code of identification information for at least one simple payment service and combine said identification information code with an ultrasonic (or sound wave) signal to generate an ultrasonic signal. The user terminal (100) may broadcast the generated ultrasonic signal or transmit (or send) it to a payment terminal (200). I