KR101855909B1 - Vehicle embedded payment apparatus - Google Patents

Vehicle embedded payment apparatus Download PDF

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Publication number
KR101855909B1
KR101855909B1 KR1020160148779A KR20160148779A KR101855909B1 KR 101855909 B1 KR101855909 B1 KR 101855909B1 KR 1020160148779 A KR1020160148779 A KR 1020160148779A KR 20160148779 A KR20160148779 A KR 20160148779A KR 101855909 B1 KR101855909 B1 KR 101855909B1
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KR
South Korea
Prior art keywords
payment
vehicle
settlement
unit
side mirror
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KR1020160148779A
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Korean (ko)
Inventor
허정윤
김정은
이소영
기수아
Original Assignee
국민대학교산학협력단
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Priority to KR1020160148779A priority Critical patent/KR101855909B1/en
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    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60R—VEHICLES, VEHICLE FITTINGS, OR VEHICLE PARTS, NOT OTHERWISE PROVIDED FOR
    • B60R1/00—Optical viewing arrangements; Real-time viewing arrangements for drivers or passengers using optical image capturing systems, e.g. cameras or video systems specially adapted for use in or on vehicles
    • B60R1/02—Rear-view mirror arrangements
    • B60R1/06—Rear-view mirror arrangements mounted on vehicle exterior
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60R—VEHICLES, VEHICLE FITTINGS, OR VEHICLE PARTS, NOT OTHERWISE PROVIDED FOR
    • B60R1/00—Optical viewing arrangements; Real-time viewing arrangements for drivers or passengers using optical image capturing systems, e.g. cameras or video systems specially adapted for use in or on vehicles
    • B60R1/12—Mirror assemblies combined with other articles, e.g. clocks
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60R—VEHICLES, VEHICLE FITTINGS, OR VEHICLE PARTS, NOT OTHERWISE PROVIDED FOR
    • B60R16/00—Electric or fluid circuits specially adapted for vehicles and not otherwise provided for; Arrangement of elements of electric or fluid circuits specially adapted for vehicles and not otherwise provided for
    • B60R16/02—Electric or fluid circuits specially adapted for vehicles and not otherwise provided for; Arrangement of elements of electric or fluid circuits specially adapted for vehicles and not otherwise provided for electric constitutive elements
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60R—VEHICLES, VEHICLE FITTINGS, OR VEHICLE PARTS, NOT OTHERWISE PROVIDED FOR
    • B60R16/00—Electric or fluid circuits specially adapted for vehicles and not otherwise provided for; Arrangement of elements of electric or fluid circuits specially adapted for vehicles and not otherwise provided for
    • B60R16/02—Electric or fluid circuits specially adapted for vehicles and not otherwise provided for; Arrangement of elements of electric or fluid circuits specially adapted for vehicles and not otherwise provided for electric constitutive elements
    • B60R16/03—Electric or fluid circuits specially adapted for vehicles and not otherwise provided for; Arrangement of elements of electric or fluid circuits specially adapted for vehicles and not otherwise provided for electric constitutive elements for supply of electrical power to vehicle subsystems or for
    • B60R16/0315—Electric or fluid circuits specially adapted for vehicles and not otherwise provided for; Arrangement of elements of electric or fluid circuits specially adapted for vehicles and not otherwise provided for electric constitutive elements for supply of electrical power to vehicle subsystems or for using multiplexing techniques
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

The present invention relates to a vehicle-embedded payment device. The vehicle-embedded payment device includes a payment module, a side-view mirror unit for communicating with an external payment request device in a protruding direction by interoperating with the payment module, and a vehicle payment processing unit for processing a corresponding payment execution result by requesting payment authentication according to the communication and performing corresponding payment by interoperating with a payment server if the requested authentication is confirmed. Accordingly, the present invention can provide an environment in which payment can be easily performed through the side-view mirror without opening a door of a vehicle.

Description

VEHICLE EMBEDDED PAYMENT APPARATUS [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a vehicle-mounted billing technology, and more particularly, to a vehicle-mounted billing apparatus that provides an environment in which a simple payment can be made through a side mirror without opening a door of the vehicle.

Conventional payment technology associated with a vehicle requires a person-to-person settlement process or a person-to-machine settlement process in the process of settlement. The conventional technique requires a step to get off the vehicle or open the door of the vehicle in order to proceed with settlement in this process.

Korean Patent No. 10-1610403 (Apr. 26, 2014) discloses an air conditioner which is installed on the rear surface of a windshield of a vehicle and which is installed at a certain distance from an antenna device and an antenna device for transmitting and receiving signals to and from a toll gate fee server, And is connected to the antenna device through a connection line, and includes a toll payment module for communicating a toll charge related server with a toll gate fee server using an antenna device, and can wirelessly communicate with the toll gate base station and pay a toll fee.

Korean Patent Laid-Open Publication No. 10-2012-0023862 (Mar. 14, 2012) is mounted on a room mirror and a room mirror provided in a vehicle, receives payment information according to road use from a toll gate system according to an RF communication method, The display information included in the tollgate information upon receipt of the information is displayed on the display unit, and the tollgate information related to the billing information can be guided more safely and easily through sound and LCD screen output to the driver through the vehicle multimedia device.

1. Korean Patent No. 10-1610403 (2014.04.01) 2. Korean Patent Laid-Open Publication No. 10-2012-0023862 (March 14, 2012)

An embodiment of the present invention is to provide a vehicle-mounted payment apparatus that provides an environment in which a user can easily settle through a side mirror without opening a door of the vehicle.

One embodiment of the present invention is to provide a vehicle-mounted payment apparatus capable of selectively paying according to user convenience through a user terminal connected through AVN (Audio Video Navigation) inside the vehicle or via Bluetooth.

An embodiment of the present invention is to provide a vehicle-mounted payment apparatus that can receive additional services in addition to payment information through side mirrors and can receive and use marketing means considering user's convenience.

One embodiment of the present invention is to provide a vehicle-mounted payment device capable of remarkably increasing user convenience because it can perform settlement in a vehicle without a driver's face-to-face settlement process in a business field that provides products through drive through ≪ / RTI >

The vehicle-mounted settlement apparatus includes a settlement module, a side mirror section that communicates with an external settlement request device in a protruding direction in cooperation with the settlement module, and a request section that requests settlement approval according to the communication, And a vehicle settlement processing unit for performing the settlement in cooperation with the settlement server and processing the settlement result.

The side mirror unit may receive the settlement contents and the settlement cost from the settlement request apparatus and provide the settlement contents to the vehicle settlement processing unit.

The payment module may be disposed inside the side mirror portion or inside the vehicle by removably inserting a credit card or a check card.

The vehicle-mounted payment apparatus may further include a display unit, and the vehicle payment processing unit may request the display unit to confirm the payment.

The display unit may display the settlement contents included in the requested approval and the settlement cost, and may confirm the requested approval through user interaction.

The vehicle payment processing unit and the display unit may be implemented by AVN (Audio Video Navigation).

The payment module may correspond to a mobile terminal that includes an electronic credit card or an electronic check card and is connected to the vehicle through a local area network.

The side mirror unit may be connected to the mobile terminal through Bluetooth.

The vehicle payment processing unit may request the mobile terminal for the payment approval.

The side mirror unit may display a visual symbol symbolizing the communication initiated when the communication between the payment request apparatus associated with the payment is started.

The side mirror portion may correspond to a side mirror positioned close to the driver's seat of the vehicle.

The vehicle-mounted payment apparatus may further include a memory unit implemented as a nonvolatile memory, and the vehicle payment processing unit may record the payment execution result in the memory unit when the payment is completed.

In the embodiments, the vehicle-mounted settlement method is connected to the settlement module and is performed by the vehicle-mounted settlement apparatus, the vehicle-mounted settlement method is a side mirror communication step of communicating with an external settlement request apparatus in the protruding direction, And a vehicle settlement processing step of requesting settlement approval based on the communication and performing a settlement in cooperation with the settlement server when the requested consent is approved to process the settlement result.

The disclosed technique may have the following effects. It is to be understood, however, that the scope of the disclosed technology is not to be construed as limited thereby, as it is not meant to imply that a particular embodiment should include all of the following effects or only the following effects.

The vehicle-mounted payment apparatus according to an embodiment of the present invention can provide an environment in which a payment can be easily made through a side mirror without opening a door of a vehicle.

The payment method according to an exemplary embodiment of the present invention can selectively settle payment according to user convenience through AVN (Audio Video Navigation) in the vehicle or through a user terminal connected via Bluetooth.

The vehicle-mounted payment apparatus according to an exemplary embodiment of the present invention can receive additional services in addition to payment information through a side mirror, and can be utilized as marketing means considering user convenience.

The vehicle-mounted payment apparatus according to an embodiment of the present invention can perform settlement in the vehicle without requiring a driver's face-to-face settlement process in a business field that provides products through drive through, thereby significantly increasing user convenience .

1 is a view for explaining a vehicle-mounted payment system according to an embodiment of the present invention.
2 is a block diagram for explaining a vehicle built-in payment apparatus shown in Fig.
Fig. 3 is a view showing a part of a conceptual block diagram together with the physical elements of the vehicle-mounted payment apparatus shown in Fig.
4 is a flowchart for explaining an embodiment of a process in which the vehicle-mounted settlement apparatus of FIG. 1 performs settlement.
5 is a flowchart illustrating an embodiment in which the vehicle-mounted payment apparatus shown in FIG. 1 receives an additional service in cooperation with a service link server.

The description of the present invention is merely an example for structural or functional explanation, and the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, the embodiments are to be construed as being variously embodied and having various forms, so that the scope of the present invention should be understood to include equivalents capable of realizing technical ideas. Also, the purpose or effect of the present invention should not be construed as limiting the scope of the present invention, since it does not mean that a specific embodiment should include all or only such effect.

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 that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

It is to be understood that the singular " include " or "have" are to be construed as including the stated feature, number, step, operation, 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.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used predefined terms should be interpreted to be consistent with the meanings in the context of the related art and can not be interpreted as having ideal or overly formal meaning unless explicitly defined in the present application.

1 is a view for explaining a vehicle-mounted payment system according to an embodiment of the present invention.

1, the vehicle-mounted payment system 100 may include a payment request device 110, a payment server 120, a service linkage server 130, and a vehicle-embedded payment device 140, Lt; / RTI >

The payment request device 110 corresponds to a computing device capable of requesting at least one payment associated with the vehicle-mounted payment device 140 to the vehicle-mounted payment device 140 connected through a wireless network. For example, the payment request device 110 may correspond to a server provided by a parking lot operator, and may be implemented as a desktop, a notebook, or a tablet PC.

The payment server 120 corresponds to a computing device that performs settlement in connection with the payment means included in the onboard payment device 140 in the financial transaction between the settlement requesting device 110 and the onboard payment device 140. [ When the final approval request relating to at least one settlement associated with the settlement means included in the vehicle-mounted settlement apparatus 140 is received, the settlement server 120 may finally approve or reject the financial transaction according to the validity of the settlement means have. For example, the payment server 130 may correspond to a server provided by a financial institution including a card company, a value-added network (VAN) provider, or an electronic payment agent, and may be implemented as a desktop, .

The service connection server 130 corresponds to a computing device capable of providing a service to the vehicle-mounted settlement apparatus 140 in association with the settlement requesting apparatus 110. For example, the service linkage server 130 may correspond to a service provider or a server provided by a shopping mall operator associated with the service provider, and may be implemented as a desktop, a notebook, or a tablet PC. The service linkage server 130 can receive information from the payment request device 110 or the vehicle-mounted payment device 140 for payment between the on-vehicle payment device 140 and the payment request device 110, And may provide additional services associated with the information to the service provider 140.

Vehicle built-in payment device 140 corresponds to a vehicle-mounted computing device capable of communicating with at least one payment associated with the payment requesting device 110. [ In one embodiment, the vehicle-mounted payment apparatus 140 can provide an environment in which a payment can be easily made through the side mirror without opening the door of the vehicle.

2 is a block diagram for explaining a vehicle built-in payment apparatus shown in Fig.

2, the vehicle-mounted payment device 140 includes a payment module 210, a control unit 220, a side mirror unit 230, a vehicle payment processing unit 240, a display unit 250, and a memory unit 260, And they may be interconnected.

The payment module 210 can recognize at least one payment means that is registered in the payment server 130 and is capable of financing transactions between the payment requesting apparatuses 110. [ In one embodiment, the payment module 210 may be disposed within the interior of the vehicle or within the side mirror portion 230 by removably inserting a credit card or a check card. For example, the payment module 210 may be disposed at an internal position of the vehicle in which the credit card can be detached from the vehicle while the driver is boarding the driver's seat of the vehicle.

In another embodiment, the payment module 210 may correspond to a mobile terminal that includes an electronic credit card or electronic check card and is connected to the vehicle through a local area network. Here, the mobile terminal may be implemented as a mobile computing device, e.g., a smartphone or a tablet PC. In one embodiment, the mobile terminal may include an electronic credit card or electronic check card capable of interfacing with a payment server.

The control unit 220 can control the overall operation of the vehicle-mounted payment apparatus 140 and includes a payment module 210, a side mirror unit 230, a vehicle payment processing unit 240, a display unit 250, 260 can be controlled.

The side mirror unit 230 can communicate with an external settlement requesting apparatus 110 in a protruding direction in cooperation with the settlement module 210. [ In one embodiment, the side mirror portion 230 may be embodied as a side mirror positioned close to the driver's seat of the vehicle, for example, with a left side mirror of the vehicle. More specifically, the side mirror part 230 may protrude outward and communicate with an external settlement requesting device 110 in the protruding direction via a near-field or short-range wireless network.

The side mirror unit 230 may receive the settlement contents and the settlement cost from the settlement requesting apparatus 110 and provide the settlement contents to the vehicle settlement processing unit 240. In one embodiment, the payment content may include at least one of a settlement place, a settlement object, a settlement method, and a settlement date.

The side mirror unit 230 may be connected to the mobile terminal through Bluetooth. The side mirror unit 230 is connected to the payment module 210 corresponding to the mobile terminal through the Bluetooth, and when the payment approval is approved, the side mirror unit 230 transmits payment means (for example, Credit card), and can provide the payment request device 110 with information about the payment means.

The side mirror unit 230 may display a visual symbol 320 symbolizing the communication initiated when the communication between the payment request apparatuses 110 associated with the payment is initiated. This will be described with reference to FIG.

FIG. 3 is a diagram showing a part of a conceptual block diagram together with the physical elements of the vehicle-mounted payment apparatus 140 shown in FIG.

3, the side mirror unit 230 may display a visual symbol 320 (e.g., '$') that represents the start of the communication when the communication between the payment requesting apparatuses 110 is started, (For example, a payment amount) related to the payment. In one embodiment, the side mirror portion 230 further includes a rectangular area monitoring unit (not shown) to monitor a rectangular area of the vehicle and detect a neighboring vehicle in the vicinity of a BSD (Blind Side Display) symbol 310 ) And visually display a Pay Display (PD) symbol 320 next to the corresponding BSD symbol 310 to inform the associated payment communication. For example, the side mirror unit 230 displays a PD symbol 320 when a payment request for at least one payment is received from the payment requesting apparatus 110, provides a simple notice to the driver, The information about the payment means included in the payment module 210 can be confirmed and the information about the payment request can be transmitted to the vehicle payment processing unit 240. [ The vehicle payment processing unit 240 can release the display of the visual symbol 320 when the payment is completed.

The vehicle payment processing unit 240 can request payment approval. In one embodiment, the vehicle payment processing unit 240 can request payment approval to the display unit 250. More specifically, the vehicle payment processing unit 240 transmits a settlement approval request to the display unit 250, which can receive the user interaction in association with the use of the credit card or the check card included in the payment module 210, . In another embodiment, the payment module 210 corresponds to a mobile terminal connected via Bluetooth, and the vehicle payment processing section 240 is associated with the electronic credit card or electronic check card included in the payment module 210 The mobile terminal can request payment approval to confirm the user approval.

The vehicle payment processing unit 240 can perform the payment in cooperation with the payment server 120 when the requested approval is confirmed. The vehicle payment processing unit 240 receives the approval confirmation from the payment module 210 or the display unit 250 that requested payment approval and transmits the information of the payment means included in the payment module 210 to the local wireless communication network To the settlement requesting apparatus 110, and accordingly, the settlement server 120 can be operated in cooperation with the settlement server 120.

The vehicle payment processing unit 240 can process the payment execution result. More specifically, when the payment is completed, the vehicle payment processing unit 240 can process the payment execution result including the final payment contents and the payment cost completed for the payment. In one embodiment, upon receiving an approval agreement from the display unit 250, the user can display the payment execution result on the display unit 250 and receive approval approval from the payment module 210 corresponding to the mobile terminal The payment execution result may be transmitted to the mobile terminal and displayed.

The vehicle payment processing unit 240 can record the payment execution result in the memory unit 260. The vehicle settlement processing unit 240 may store the settlement result including the completed settlement contents and the settlement cost in the memory unit 260 as the settlement history, The service providing server 130 may provide the service providing server 130 with rough information on the payment details based on the information provision agreement of the predetermined user.

The display unit 250 corresponds to a display device capable of visually displaying characters or graphics on the screen so that the processing results can be directly viewed by the user. The display unit 250 can display the contents of the payment and the payment cost included in the approval requested from the vehicle payment processing unit 240 and can receive and display the payment execution result processed from the vehicle payment processing unit 240 . In one embodiment, the display portion 250 can confirm the requested approval based on user interaction. For example, the vehicle payment processing unit 240 and the display unit 250 may be implemented as an AVN (Audio Video Navigation), and may receive a user interaction through a touch screen included in navigation, You can decide. In one embodiment, the display unit 250 may allow the unconfirmed user to prevent the user from entering the approval confirmation process by allowing the user to confirm the predetermined user password through the user interaction prior to the determination of the compliance.

The memory unit 260 may be implemented as a nonvolatile memory such as a solid state disk (SSD) or a hard disk drive (HDD), and may be used to store data necessary for the vehicle-mounted payment apparatus 140.

4 is a flowchart for explaining an embodiment of a process in which the vehicle-mounted settlement apparatus of FIG. 1 performs settlement.

The side mirror unit 230 may be implemented as a left side mirror positioned close to the driver's seat of the vehicle and may communicate with an external settlement requesting apparatus 110 in the protruding direction to receive a settlement request from the settlement requesting apparatus 110 (Step S410). The side mirror unit 230 displays a visual PD symbol 320 (for example, '$') in a part of the side mirror (for example, a PD area beside the BSD area) Provide a quick notification to the driver.

The side mirror unit 230 can be detachably inserted into a credit card or a check card and interlocked with a payment module 210 disposed inside the vehicle. The side mirror unit 230 receives payment contents and payment costs from the payment request device 110 To the vehicle payment processing unit 240 (step S420).

The vehicle payment processing unit 240 can visualize the payment contents and the payment cost on the display unit 250 and confirms the payment on the display unit 250 based on the result of interlocking with the payment means included in the payment module 210 (Step S430). For example, the vehicle payment processing unit 240 may request payment approval for receipt of a confirmation from the driver in association with whether the credit card is properly inserted into the current payment module 210 and can be recognized, have.

The display unit 250 can receive the user interaction through the touch screen and can confirm the approval requested from the vehicle payment processing unit 240 based on the received user interaction (step S440). For example, when the driver touches 'payment approval' on the user interface screen through the touch screen, the display unit 250 can confirm the requested approval.

The vehicle payment processing unit 240 can perform the payment in cooperation with the payment server 120 when the requested approval is confirmed (step S450). For example, when the requested approval is approved, the vehicle payment processing unit 240 transmits the information of the credit card inserted in the payment module 210 to the payment requesting apparatus 110, You can ask to proceed.

The settlement requesting apparatus 110 can receive a request for performing the settlement from the vehicle settlement processing unit 240 and can receive the settlement request related to the corresponding settlement means (for example, a credit card) The server 120 (for example, a card company that provides a service related to the credit card) can request a transaction regarding the settlement (step S460).

When the transaction request is received from the settlement requesting apparatus 110, the payment server 120 inquires the effect of the payment means to finally approve (or reject) the transaction, and proceeds to settle the transaction (Step S470).

The settlement requesting apparatus 110 can notify the side mirror unit 230 of the completion of the transaction (step S480), and the side mirror unit 230 can notify the side mirror unit 230 of the completion of the transaction (Step S490). The side mirror unit 230 processes the result of the payment and displays the completed payment contents and the payment cost on the display unit 250 (step < RTI ID = 0.0 > (Step S495).

In the above embodiment, the payment module 210 removably inserts a credit card or a check card into the interior of the vehicle. However, in another embodiment, an electronic credit card or an electronic check card is included And may correspond to a mobile terminal connected to the vehicle and a local area network. In this case, the built-in payment device 140 provides the payment contents and the settlement cost to the connected mobile terminal, requests the payment approval, receives the consultation of the requested approval from the mobile terminal, and performs the payment .

In one embodiment, the vehicle-mounted payment apparatus 140 can provide an environment in which the driver can easily settle through the side mirror without opening the door of the vehicle.

In one embodiment, the onboard payment device 140 can perform settlement in the vehicle without a driver's face-to-face settlement process in a business field that provides products through drive through, thereby significantly increasing user convenience .

5 is a flowchart illustrating an embodiment in which the vehicle-mounted payment apparatus shown in FIG. 1 receives an additional service in cooperation with a service link server. 5, it is assumed that a service link server 130 capable of providing an additional service in association with the settlement requesting apparatus 110 exists.

When the at least one payment is completed (for example, proceeding to step S470 of FIG. 4), the vehicle built-in payment apparatus 140 proceeds to the subsequent steps S480 to S495 for providing a notification to the user about the payment In addition, it can request service connection server 130 to receive additional services.

More specifically, the payment requesting apparatus 110 communicates with the side mirror unit 230 when the completion of payment for the transaction is received from the payment server 120 and completes the transaction, so that the side mirror unit 230, In addition, the service providing server 130 can provide notifications related to additional services provided by the service link server 130 associated with the service providing server 130 (step S510). In one embodiment, the settlement requesting device 110 may provide the payment transaction details that have been completed by the shopping mall operator (e.g., a large shopping mall located near the large parking lot) associated with the parking lot operator (e.g., a large parking lot) (For example, a discount coupon or a parking discount coupon for the corresponding large shopping mall) associated with the shopping mall provider when transmitting the service request to the service link server 130, and a hyperlink To the side mirror unit 230. In this case,

The side mirror unit 230 may transmit the additional service notification information to the vehicle payment processing unit 240 (step S520).

The vehicle payment processing unit 240 can visualize the supplementary service notification information on the display unit 250 and provides the transaction details to the service connection server 130 to confirm approval of whether to request the supplementary service, (Step S530).

The display unit 250 can confirm the requested approval in association with the supplementary service through the user interaction (step S540), and the vehicle payment processing unit 240 determines whether the supplementary service notification information included in the supplementary service notification information The transaction details may be provided to the service link server 130 based on the hyperlink to request the corresponding supplementary service (step S550).

The service connection server 130 can provide the additional service to the vehicle-mounted payment device 140 based on the received transaction details (step S560). In one embodiment, the service linkage server 130 calculates a winning probability of a discount coupon associated with a specific product based on the received transaction details, determines whether to provide a discount coupon based on the calculated winning probability, The information on the winning can be provided to the built-in payment processor 140. For example, the probability of winning (Win,%) can be calculated based on the following equation (1) have.

[Equation 1]

Figure 112016109537051-pat00001

If 0 ≤ purchase <10000, then coefficient = 1

If 10000 < purchase &lt; 50000, then coefficient = 2

If 50000 < purchase &lt; 200000, then coefficient = 3

If 200000 ≤ purchase <500000, then coefficient = 4

If 500000 ≤ purchase, then coefficient = 5

(Here, the purchase corresponds to the transaction amount added during a specific time period (for example, the same day or the last 3 months) in the transaction details provided by the built-in payment apparatus 140, 140 denotes the total sum of the number of times the transaction history is provided to the service link server 130 during a specific time period (for example, in the last one year), and the maximum value of Win is 100)

Upon receipt of the result of the service requested by the service link server 130, the vehicle payment processing unit 240 may transmit the result to the display unit 250 to display the corresponding result (step S570). For example, the vehicle payment processing unit 240 can visualize the received coupon information on the display unit 250. [

In one embodiment, the vehicle payment processing unit 240 can store the electronic coupon received from the service link server 130 in the memory unit 260. When the next payment request is received from the payment requesting apparatus 110 The payment can be performed by applying the stored electronic coupon based on the user approval. In one embodiment, the vehicle payment processing unit 240 may transmit the stored electronic coupon to the user terminal at the request of the driver.

In one embodiment, the vehicle-mounted payment device 140 can receive and easily receive additional services in addition to payment information via a side mirror, and thus can be utilized as marketing means considering user convenience.

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

100: Vehicle embedded billing system
110: payment request device 120: payment server
130: service connection server 140: vehicle built-in payment apparatus
210: Payment module 220:
230: side mirror part 240: vehicle payment processing part
250: display unit 260: memory unit
310: Blind Side Display (BSD) symbol
320: PD (Pay Display) symbol

Claims (13)

A payment module in which a credit card or a check card is detachably inserted;
Wherein the communication unit communicates with an external settlement requesting device in the protruding direction in cooperation with the settlement module disposed in the vicinity of the settlement requesting unit, (PD) symbol and summary information on the payment information are visually displayed next to a BSD (Blind Side Display) symbol visually displayed in the rectangular area monitoring unit, and when the payment is completed, the display of the PD symbol is released Side mirror portion;
Requesting the mobile terminal including an electronic credit card or a check card connected to the side mirror unit via AVN (Audio Video Navigation) of the vehicle or Bluetooth to approve payment according to the communication, and to perform a user interaction with the AVN or the mobile terminal If the requested approval is confirmed, the payment transaction is performed in cooperation with the payment server to process the payment result, and if the payment is completed, the transaction information is provided to the service link server through the side mirror unit, And visualizing, in a display unit, supplementary service information, which is associated with the settlement provided from the electronic coupon and can be used when the next settlement request is received from the settlement requesting apparatus; And
And a memory unit implemented as a nonvolatile memory for recording the payment execution result and the electronic coupon when the payment is completed in the vehicle payment processing unit.
The apparatus according to claim 1, wherein the side mirror portion
And receives the settlement content and the settlement cost from the settlement request device and provides the settlement content to the vehicle settlement processing unit.
delete The method according to claim 1,
And a display unit,
Wherein the vehicle payment processing unit requests the payment approval from the display unit.
delete delete delete delete delete delete The apparatus according to claim 1, wherein the side mirror portion
And a side mirror positioned close to a driver's seat of the vehicle.
delete A vehicle-mounted payment method performed by a vehicle-mounted payment apparatus including a payment module in which a credit card or a check card is detachably inserted,
The side mirror portion of the vehicle built-in type payment device communicates with an external settlement request device in the protruding direction in cooperation with the settlement module disposed therein and receives payment information from the settlement request device, A Pay Display (PD) symbol representing the start of the communication and a summary information about the payment information are visually displayed next to a BSD (Blind Side Display) symbol visually displayed in the rectangular area monitoring unit and payment is completed Releasing the display of the PD symbol;
The vehicle payment processing unit of the vehicle built-in payment apparatus requests the mobile terminal including the electronic credit card or check card connected to the side mirror unit via AVN (Audio Video Navigation) of the vehicle or Bluetooth to approve payment according to the communication, If the requested approval is confirmed through the user interaction with the AVN or the mobile terminal, the payment is performed in cooperation with the payment server to process the payment result, and when the payment is completed, Visualizing, in a display unit, additional service information, which is provided with an electronic coupon, which is associated with the settlement provided from the service link server and is available to be used when the next settlement request is received from the settlement requesting apparatus by providing the transaction details; And
And recording the result of the payment and the electronic coupon in a memory unit implemented as a nonvolatile memory when the payment is completed in the vehicle payment processing unit.
KR1020160148779A 2016-11-09 2016-11-09 Vehicle embedded payment apparatus KR101855909B1 (en)

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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20120023862A (en) 2010-09-01 2012-03-14 현대모비스 주식회사 Hi-pass system set up within room mirror of vehicle and method for informing fare in a toll road using the system
KR20130031997A (en) * 2011-09-22 2013-04-01 유비벨록스(주) System and method for payment using vehicle type nfc
JP2014089722A (en) * 2008-05-21 2014-05-15 Johnson Controls Technology Co Method and device for communication between automobile and point of sale
KR20150108961A (en) * 2014-03-18 2015-10-01 박창수 Car rearview mirror with function of touch screen information display
US20150317614A1 (en) * 2014-05-05 2015-11-05 Curtis A. Evans Methods and Systems for Payment with a Transponder
KR101610403B1 (en) 2010-10-13 2016-04-07 현대자동차주식회사 A Electronic Toll payment system with a separated antenna apparatus and the antenna apparatus

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2014089722A (en) * 2008-05-21 2014-05-15 Johnson Controls Technology Co Method and device for communication between automobile and point of sale
KR20120023862A (en) 2010-09-01 2012-03-14 현대모비스 주식회사 Hi-pass system set up within room mirror of vehicle and method for informing fare in a toll road using the system
KR101610403B1 (en) 2010-10-13 2016-04-07 현대자동차주식회사 A Electronic Toll payment system with a separated antenna apparatus and the antenna apparatus
KR20130031997A (en) * 2011-09-22 2013-04-01 유비벨록스(주) System and method for payment using vehicle type nfc
KR20150108961A (en) * 2014-03-18 2015-10-01 박창수 Car rearview mirror with function of touch screen information display
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