KR20170029856A - User equipment, service providing device, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon - Google Patents

Abstract

The present invention provides a user device, a service-providing device, a payment system including the same, a control method thereof and a recording medium having a computer program recorded thereon. When a user uses at least one payment card related to a corresponding user of a users device and registered in the users device, various pieces of position information related to the users device are collected from the users device, and then, the various collected pieces of position information are provided to the service-providing device. The service providing device compares information on the current position of the users device with the various pieces of position information collected by the users device to determine whether the payment card is illegally used such that the illegal use of or pirating the users device or position information on a shop can be verified, and reliability of the determination of illegal use can be increased.

Description

TECHNICAL FIELD [0001] The present invention relates to a user apparatus, a service providing apparatus, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded }

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a user apparatus, a service providing apparatus, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded. , Confirms the current location of the user device, confirms the identification information of the store where the user device is located, and displays information on the previously selected payment card in the user device, the received PIN number, the current location of the user device The service providing apparatus verifies the illegal use of the payment card based on the current location of the user apparatus transmitted from the user apparatus and the location information of the store corresponding to the store identification information A user apparatus, a service providing apparatus, a payment system including the same, It relates to a method and a computer program recording medium.

When payment is made through any credit card among a plurality of credit cards registered in the user device, a credit card having many benefits among the plurality of credit cards is selected and presented to the user, and the user selects one of the credit cards do.

Such a card payment method does not require a strict authentication procedure for the use of a payment card. Therefore, if the card issuer does not request the use of the lost payment card or the stolen payment card, the other person can easily use the payment card It is possible to make payment.

Korean Patent Laid-Open No. 10-2003-0043900 [Title: Detecting Connection of Unauthorized Users Using Access Environment Information]

It is an object of the present invention to provide a method and system for collecting various kinds of location information related to a user apparatus in a user apparatus when using one or more payment cards related to a user of the corresponding user apparatus registered in the user apparatus, The service providing apparatus compares the current position information of the user apparatus with the various types of position information collected by the user apparatus and determines whether the payment card is fraudulently used or not. A control method thereof, and a recording medium on which a computer program is recorded.

It is another object of the present invention to provide a service providing apparatus, a service providing apparatus, a service providing apparatus, and a payment apparatus, A service providing apparatus, a payment system including the same, a control method thereof, and a recording medium on which a computer program is recorded.

The service providing apparatus according to an exemplary embodiment of the present invention includes information on a payment card transmitted from a user apparatus, a PIN number corresponding to a payment card, location information of the user apparatus, location information of one or more devices around the user apparatus, A communication unit for receiving identification information; And judges whether the position information of the user apparatus is located within a predetermined radius from the position information of the one or more devices for the first verification and if the position information of the user apparatus is within a predetermined radius from the position information of the one or more devices Settlement date and time information of the settlement card, the settlement store, and the settlement store, which have been most recently paid out among the one or more settlement cards issued to the user device at the time of settlement, Based on the time difference between the current time and the settlement date and time information of settlement made through the latest settlement card that has been confirmed, And a control unit for performing the control.

As a result of the determination, the controller generates authentication failure information when the position information of the user device is not located within a predetermined radius from the position information of one or more devices, and transmits the generated authentication failure information to the user device The communication unit can be controlled.

As a result of the determination, if the location information of the user device is located within a predetermined radius from the location information of one or more devices and there is no payment card settled within a preset period of time, State can be maintained.

As an example related to the present invention, the controller checks whether the calculated distance difference and time difference are greater than or equal to a predetermined reference value, and when the calculated distance difference and time difference are smaller than the reference value, Generates authentication failure information, and controls the communication unit to transmit the generated authentication failure information to the user device.

As an example related to the present invention, the controller checks whether the calculated distance difference and time difference are equal to or greater than preset reference values, and when the calculated distance difference and time difference are greater than or equal to the reference value, A standby state can be maintained.

A control method of a service providing apparatus according to an exemplary embodiment of the present invention is a control method of a service providing apparatus that includes information on a payment card transmitted from a user apparatus, a PIN number corresponding to a payment card, position information of the user apparatus, Receiving the location information of the user equipment and the identification information of the user equipment; Determining, through the control unit, whether the position information of the user apparatus is located within a predetermined radius from the position information of the one or more devices for the primary verification; When the position information of the user device is located within a predetermined radius from the position information of the one or more devices as a result of the determination, the type of the most recently paid payment card, the payment date, and / Confirming the location information of the time information, the payment store, and the payment store; The control unit determines whether the difference in distance between the location information of the user device and the location information of the settlement place where settlement has been made through the latest confirmed settlement card and the difference between the current time and the settlement through the latest confirmed settlement card Calculating a time difference between payment date and time information, respectively; Calculating a speed based on the calculated distance difference and time difference through the control unit; Checking whether the calculated speed is less than or equal to a predetermined reference speed through the control unit; When the calculated speed is less than or equal to the reference speed as a result of the checking, it is determined that there is an additional payment attempt within a movable distance of the user device, so that the authentication is normally completed, And maintaining the < / RTI >

As a result of the determination, if the location information of the user device is located within a predetermined radius from the location information of one or more devices and there is no payment card that is set within a predetermined period, Maintaining a standby state; Generating authentication failure information through the control unit when the determination result indicates that the location information of the user device is not located within a predetermined radius from the location information of the one or more devices; And transmitting the generated authentication failure information to the user device through the communication unit.

As an example related to the present invention, there is provided a method comprising: generating authentication failure information through a control unit when a calculated speed is greater than a reference speed; And transmitting the generated authentication failure information to the user device through the communication unit.

A computer program for carrying out the method according to the above-described embodiment may be stored in the recording medium on which the computer program according to the embodiment of the present invention is recorded.

The billing system according to the embodiment of the present invention selects one payment card from among one or more payment cards registered in the user device displayed on the user device, receives the PIN number corresponding to the selected payment card, Acquires location information of one or more devices in the vicinity of the user device, and stores information about the selected payment card, a PIN number corresponding to the payment card, location information of the user device, location information of the collected one or more devices, A user device for transmitting identification information of a user; And settlement date and time information of the most recently paid payment card among the one or more payment cards issued to the user device when the location information of the user device is located within a predetermined radius from the location information of one or more devices, The location information of the store is checked and the difference between the location information of the user device and the location information of the settlement place where the settlement was made through the latest confirmed settlement card and the difference between the current time and the latest confirmed settlement card And when the calculated distance difference and the time difference are equal to or greater than preset reference values, it is determined that there is an additional payment attempt within the movable range of the user apparatus, Is confirmed to be completed normally, and a simple settlement For it may include a service provider device that maintains the standby state.

As an example related to the present invention, when the calculated distance difference and time difference are smaller than preset reference values, the service providing apparatus generates authentication failure information with suspicion of fraudulent use, and transmits the generated authentication failure information to the user device have.

In the present invention, when one or more payment cards related to a user of a corresponding user device registered in the user device are used, various types of location information related to the user device are collected from the corresponding user device, The service providing apparatus compares the present location information of the user apparatus with various types of location information collected by the user apparatus to determine whether the payment card is fraudulent or not, It is possible to verify the fraudulent use of information and enhance the reliability of judging fraudulent use.

In addition, the present invention can be applied to a case in which, when comparing the current location information of the user device with various types of location information collected from the user device, the service providing device reflects previous usage time information of one or more payment cards registered in the user device, It is possible to verify fraudulent use over a plurality of steps, and there is an effect that it can also be utilized as information for recommending a payment means or analyzing a consumption pattern later.

1 is a block diagram showing a configuration of a payment system according to an embodiment of the present invention.
2 is a cross- FIG. 8 is a block diagram illustrating a configuration of a user apparatus according to an embodiment of the present invention.
3 is a block diagram illustrating a configuration of a payment system according to another embodiment of the present invention.
Figure 4 FIG. 8 is a block diagram illustrating a configuration of a user apparatus according to another embodiment of the present invention. FIG.
5 to 6 are flowcharts illustrating a method of controlling a payment system according to an embodiment of the present invention.
7 is a diagram illustrating a screen of a user apparatus according to an embodiment of the present invention.

It is noted that the technical terms used in the present invention are used only to describe specific embodiments and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be construed in a sense generally understood by a person having ordinary skill in the art to which the present invention belongs, unless otherwise defined in the present invention, Should not be construed to mean, or be interpreted in an excessively reduced sense. In addition, when a technical term used in the present invention is an erroneous technical term that does not accurately express the concept of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art can be properly understood. In addition, the general terms used in the present invention should be interpreted according to a predefined or prior context, and should not be construed as being excessively reduced.

Furthermore, the singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. The term "comprising" or "comprising" or the like in the present invention should not be construed as necessarily including the various elements or steps described in the invention, Or may further include additional components or steps.

Furthermore, terms including ordinals such as first, second, etc. used in the present invention can be used to describe elements, but the elements should not be limited by terms. Terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, 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.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings.

1 is a block diagram showing a configuration of a settlement system 10 according to an embodiment of the present invention.

1, the billing system 10 includes a user apparatus 100, a beacon 200, a service providing apparatus 300, a POS terminal 400, and a payment server 500. Not all of the components of the billing system 10 shown in Fig. 1 are essential components, and the billing system 10 may be implemented by more components than the components shown in Fig. 1, The payment system 10 may also be implemented.

The user device 100 may be a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, a telematics terminal, A portable terminal, a navigation terminal, a personal computer, a notebook computer, a slate PC, a tablet PC, an ultrabook, a wearable device (for example, a watch type A smart TV, a digital broadcasting terminal, a television (TV), a digital television (TV), a digital television (TV) A home theater system, an AVN (Audio Video Navigation) terminal, an A / V (Audio / Video) system, a flexible terminal, and the like.

2, the user device 100 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, and a user device control unit 150 ). Not all of the components of the user device 100 shown in Fig. 2 are required, and the user device 100 may be implemented by more components than the components shown in Fig. 2, The user device 100 may be implemented.

The user device communication unit 110 communicates with any one of the internal components or external at least one terminal through a wired / wireless communication network. At this time, an external arbitrary terminal may include a beacon 200, a service providing device 300, a POS terminal 400, a payment server 500, and the like. Here, the wireless Internet technology includes a wireless LAN (WLAN), a digital living network alliance (DLNA), a wireless broadband (Wibro), a world interoperability for a microwave (WiMAX), a high speed downlink packet access ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS) And the user device communication unit 110 transmits and receives data according to at least one wireless Internet technology in a range including Internet technologies not listed above. In addition, the near field communication technology includes Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, Near Field Communication (NFC) , Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, and Wi-Fi Direct. The wired communication technology may include a power line communication (PLC), a USB communication, an Ethernet, a serial communication, an optical / coaxial cable, and the like.

In addition, the user device communication unit 110 can transmit information to and from an arbitrary terminal through a universal serial bus (USB).

In addition, the user equipment communication unit 110 may be configured to communicate with a plurality of mobile communication systems, such as a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE (High Speed Downlink Packet Access) The beacon 200, the service providing device 300, the POS terminal 400, the payment server 500, and the like on a mobile communication network constructed according to a service provider's name,

The user device communication unit 110 may also be configured to transmit the identification information of the beacon 200 transmitted from the beacon 200 or the unique identification information of the store having the beacon 200, ).

The user device storage unit 120 stores various user interfaces (UI), a graphical user interface (GUI), and the like.

Also, the user device storage unit 120 stores data and programs necessary for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (application programs or applications) driven by the user device 100, data for operation of the user device 100, and commands. At least some of these application programs may be downloaded from the external service providing device via wireless communication. Also, at least some of these applications may reside on the user device 100 since the time of shipment for the basic functions (e.g., phone call incoming, outgoing, message receiving, originating functions) of the user device 100. The application program may be stored in the user device storage unit 120 and may be installed in the user device 100 and may be operated by the user device control unit 150 to perform the operation have.

The user device storage unit 120 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or A random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM) , And a programmable read-only memory (PROM). In addition, the user device 100 may operate web storage or operate in association with web storage to perform the storage function of the user device storage unit 120 on the Internet.

The user device storage unit 120 stores identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 Unique identification information).

The user device display unit 130 may display various contents such as various menu screens by using the user interface and / or graphical user interface stored in the user device storage unit 120 under the control of the user device controller 150. [ Here, the content displayed on the user device display unit 130 includes various text or image data (including various information data) and a menu screen including data such as an icon, a list menu, and a combo box. Also, the user device display unit 130 may be a touch screen.

The user device display unit 130 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED) And may include at least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED).

In addition, the user device display unit 130 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

In the stereoscopic display unit, a three-dimensional display system such as a stereoscopic system (glasses system), an autostereoscopic system (no-glasses system), a projection system (holographic system) can be applied.

The user device display unit 130 displays the identification information of the beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 Identification information).

The user device audio output unit 140 outputs audio information included in the signal processed by the user device control unit 150. Here, the user device audio output unit 140 may include a receiver, a speaker, a buzzer, and the like.

Also, the user device audio output unit 140 outputs the guidance audio generated by the user device control unit 150.

The user device audio output unit 140 outputs the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device controller 150 (I.e., unique identification information of the user).

The user device control unit 150 executes the overall control function of the user device 100. [

The user device controller 150 executes the overall control functions of the user device 100 using the programs and data stored in the user device storage unit 120. [ The user device controller 150 may include a RAM, a ROM, a CPU, a GPU, and a bus, and the RAM, the ROM, the CPU, and the GPU may be connected to each other via a bus. The CPU accesses the user device storage unit 120 and performs booting using the O / S stored in the user device storage unit 120. The CPU can access various programs stored in the user device storage unit 120, And the like.

In addition, the user device control unit 150 performs the membership registration procedure for the user of the user device 100 by interlocking with the service providing device 300.

The user device control unit 150 must complete the authentication function through the authentication means (for example, a mobile phone, a credit card, an Ipfin, an e-mail, etc.) The subscription process can be completed normally.

When the user having the user device 100 enters the store, the user device control unit 150 determines whether the beacon 200 has been received from the beacon 200 The unique identification information of the store).

The user device controller 150 also stores unique identification information of the received beacon 200 (or the unique identification information of the store where the beacon 200 is provided), identification information of the user device 100, 110 to the service providing apparatus 300. Here, the identification information of the user device 100 includes a mobile directory number (MDN), a mobile IP, a mobile MAC, a SIM (subscriber identity module) card unique information, and a serial number.

If the user of the user device control unit 150 is not a registered member of the service providing apparatus 300 in advance, the user device control unit 150 may transmit the guide information related to membership registration provided from the service providing apparatus 300 And performs a membership registration procedure for the corresponding user device 100 (or the user of the user device 100).

When the user of the user device controller 150 is a member registered in advance in the service providing apparatus 300, the user device controller 150 transmits unique identification information of the transmitted beacon 200 (or the corresponding beacon 200) One or more pieces of advertisement information, one or more benefit information, a recommended card list, and the like transmitted from the service providing apparatus 300 in response to the identification information of the user apparatus 100, ≪ / RTI > Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like. In addition, the recommended card list includes one or more cards that are applicable to the benefit information among a plurality of cards (or one or more cards) previously issued to the user device 100.

Also, the user device controller 150 outputs the received one or more pieces of advertisement information, benefit information, recommendation card list, etc. through the user device display unit 130 and / or the user device audio output unit 140.

Also, the user device control unit 150 confirms one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) in a specific application installed in advance in the user device 100 do.

Also, the user device controller 150 may check the payment card selected from the recommended card list transmitted from the service providing device 300. [

In addition, the user device control unit 150 may be configured to receive at least one of the plurality of payment cards registered in advance in the user device 100 based on the one or more benefit information provided from the service providing device 300, And displays the generated recommendation card list on the user device display unit 130. [0156] FIG. Also, one payment card selected from the recommended card list displayed on the user device display unit 130 can be confirmed.

Also, the user device controller 150 receives a personal identification number (PIN) corresponding to a user input through a specific application installed in the user device 100 in advance. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

Also, the user device controller 150 transmits the confirmed payment card type (or unique identification information of the payment card), the PIN number, the identification information of the user device 100, etc. to the service providing device 300 .

Also, the user device controller 150 receives the token transmitted from the service providing device 300 through the user device communication unit 110 in response to the previously transmitted PIN number.

In addition, the user device controller 150 generates a barcode (or QR code (Quick Response code)) including the received token (or token information) and the identification information of the user device 100.

In addition, the user device controller 150 stores the generated barcode (or QR code) in the user device storage unit 120.

When the payment method is selected in a predetermined manner through a specific application installed in the user device 100 in advance, the user device controller 150 displays barcode information (or QR code) corresponding to the barcode (or QR code) Information to the POS terminal 400 via the user device communication unit 110. [ Here, the barcode information (or QR code information corresponding to the QR code) corresponding to the barcode includes a token (or token information), identification information of the user device 100, and the like. At this time, the settlement methods include cash settlement, card settlement, electronic settlement, and the like, and the predetermined method may be electronic settlement.

As described above, when the user apparatus 100 and the POS terminal 400 are connected through a wire / wireless communication method, the barcode information (or QR code information) can be transmitted from the user apparatus 100 to the POS terminal 400.

When the user device 100 and the POS terminal 400 are not connected via a wire / wireless communication method, a user of the user device 100 may receive a preset connection via a specific application installed in the user device 100 (Or QR code) displayed on the user device display unit 130 may be recognized (or scanned / tagged) by the POS terminal 400. In this case,

In addition, after the settlement function is performed for at least one product to be settled by the user of the corresponding user device 100 based on the previously transmitted barcode information (or QR code information), the user device controller 150 transmits the previously transmitted Through the user device communication unit 110, a payment function execution result transmitted from the POS terminal 400 (or the service providing device 300) in response to bar code information (or QR code information).

Also, the user device controller 150 outputs the received payment function execution result through the user device display unit 130 and / or the user device voice output unit 140.

In addition, the user device 100 may further include an interface unit (not shown) that serves as an interface with all the external devices connected to the user device 100. For example, the interface unit may include a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device having an identification module, an audio I / Input / output (I / O) port, video I / O (input / output) port and earphone port. Here, the identification module is a chip that stores various information for authenticating the usage right of the user device 100, and includes a user identity module (UIM), a subscriber identity module (SIM) A Universal Subscriber Identity Module (USIM), and the like. In addition, a device provided with the identification module can be manufactured in a smart card format. Thus, the identification module can be connected to the user device 100 via the port. The interface unit receives data from an external device or receives power and transmits the data to each component in the user device 100 or data in the user device 100 is transmitted to an external device.

The interface unit may be a path through which power from the cradle is supplied to the user device 100 when the user device 100 is connected to an external cradle or various command signals input from the cradle by the user, (Not shown). The various command signals input from the cradle or the corresponding power source may be operated as a signal for recognizing that the user device 100 is correctly mounted on the cradle.

The user device 100 also includes an input unit (not shown) for receiving a command or a control signal generated by an operation such as a button operation by the user or a signal according to an arbitrary function selection or a touch / Not shown).

The input unit may include at least one of a command, a selection, data, and information of a user. The input unit may include a plurality of input keys and function keys for inputting numeric or character information and setting various functions.

The input unit may include a key pad, a dome switch, a touch pad (static / static), a touch screen, a jog wheel, a jog switch, a jog shuttle, a mouse, , A stylus pen, a touch pen, and the like can be used. Particularly, when the user device display unit 130 is formed as a touch screen, some or all of the functions of the input device can be performed through the user device display unit 130. [

In addition, each component (or module) of user device 100 may be software stored on the memory (or user device storage 120) of user device 100. The memory may be an internal memory of the user device 100 and may be an external memory or other type of storage device. Further, the memory may be a non-volatile memory. The software stored on the memory may include a set of instructions that, when executed, cause the user device 100 to perform certain operations.

The beacon 200 communicates with the user device 100, the POS terminal 400, and the like.

The beacon 200 also receives store information related to a store provided with the corresponding beacon 200 transmitted from the POS terminal 400 and unique identification information of the store in which the beacon 200 is provided.

The beacon 200 broadcasts (or transmits) store information, identification information of the beacon 200 (or unique identification information of a store in which the beacon 200 is provided), and the like.

The service providing apparatus 300 communicates with the user apparatus 100, the POS terminal 400, the payment server 500, and the like.

The service providing apparatus 300 includes a user apparatus communication unit 110 included in the user apparatus 100, a user apparatus storage unit 120, a user apparatus display unit 130, a user apparatus audio output unit 140, (Not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown), which correspond to the control unit 150, respectively.

In addition, the service providing apparatus 300 performs a membership subscription procedure for the user of the corresponding user device 100 by interlocking with the user apparatus 100, respectively.

In addition, the service providing apparatus 300 receives unique identification information of the beacon 200 transmitted from the user apparatus 100, identification information of the user apparatus 100, and the like.

The service providing apparatus 300 may also be configured to allow the user corresponding to the user apparatus 100 to register with the service providing apparatus 300 in advance based on the received identification information of the corresponding user apparatus 100 (Or confirms) whether or not it is.

If the result of the determination (or the result of the check) is that the user corresponding to the user device 100 is not a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the guide information related to membership registration, (100).

The service providing apparatus 300 also performs a membership registration procedure for the user apparatus 100 (or the user of the user apparatus 100) by interlocking with the user apparatus 100. [

When the user corresponding to the user device 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 transmits the beacon 200 received previously, Of the plurality of advertisement information and the plurality of benefit information stored in advance based on the unique identification information of the user device 100 and the identification information of the user device 100, Information, and one or more benefits information.

In addition, the service providing apparatus 300 may include a recommended recommendation card including at least one recommendation card capable of applying (or reflecting) the benefit information among a plurality of cards issued to the user apparatus 100 based on the one or more benefit information that has been confirmed. Create a card list. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing apparatus 300 may include at least one advertisement information, at least one benefit information, at least one recommendation card, and at least one recommendation card list including at least one advertisement information that can be provided to the corresponding user apparatus 100, And the like to the user device 100.

That is, when the user corresponding to the user apparatus 100 is a member registered in advance in the service providing apparatus 300, the service providing apparatus 300 selects the corresponding beacon 200) corresponding to the unique identification information. In addition, the service providing device 300 checks one or more pieces of advertisement information, benefit information, and the like that can be provided to the corresponding user device 100 in the corresponding store based on the confirmed store information and the identification information of the received user device 100 . Also, the service providing apparatus 300 generates a recommendation card list including one or more cards to which the benefit information can be applied, from among a plurality of cards (or one or more cards) previously issued to the user apparatus 100. In addition, the service providing device 300 transmits to the user device 100 the identified one or more pieces of advertisement information, one or more benefit information, a generated recommendation card list, and the like.

Also, the service providing apparatus 300 receives the type of payment card transmitted from the user apparatus 100, the PIN number, the identification information of the user apparatus 100, and the like.

In addition, the service providing apparatus 300 generates a token (or disposable token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, randomly generated corresponding to the PIN number, and may be a state in which the number of times of use or the use period is set in advance. At this time, the service providing apparatus 300 may generate a token corresponding to the received PIN number and payment card type.

Also, the service providing apparatus 300 manages (or stores) the generated token in association with the type of payment card, the PIN number, the identification information of the user apparatus 100, and the like.

Also, the service providing apparatus 300 transmits the generated token (or the token corresponding to the PIN number, the PIN number, and the token corresponding to the payment card type) to the user device 100.

The service providing apparatus 300 may further include a payment server 500 for performing an authentication function for the user before performing a payment function for the product in association with at least one item to be paid by the user of the user apparatus 100, (Or QR code information) to be transmitted from the wireless base station.

The service providing apparatus 300 also checks whether the token in the corresponding bar code information (or QR code information) is valid based on the token in the received bar code information (or QR code information) and the identification information of the user apparatus 100 do.

That is, the service providing apparatus 300 stores the token in the received barcode information (or QR code information) and the identification information of the user device 100 in the identification information of the user apparatus for each of a plurality of tokens stored in advance (or issued in advance) Whether the corresponding token and the identification information of the user equipment are included (or are present).

In this way, the service providing apparatus 300 can verify the validity of the issued token.

As a result, the token in the received barcode information (or QR code information), the token corresponding to the identification information of the user device 100, and the token in the user device 100, If the identification information of the device is not included, that is, if the token in the received barcode information (or QR code information) is invalid, the service providing device 300 transmits the authentication failure information to the payment server 500.

As a result of the confirmation, the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 are stored in the identification information of the plurality of tokens in the user device 100 stored in advance in the service providing device 300 And the token in the received barcode information (or QR code information) is valid, the service providing apparatus 300 transmits the barcode information (or QR code information) included in the received barcode information User information, benefit information, and the like corresponding to the identification information of the payment server 500 (100). At this time, the service providing apparatus 300 transmits a payment card type (or a PIN managed in association with the corresponding payment card type / token, which is confirmed based on the token generated in correspondence with the PIN number and the payment card type, User information, benefit information, and the like corresponding to the payment card type, the type of the payment card that is confirmed based on the identification number, the type of the payment card, and the identification information of the user device). Here, the card information includes a card number, an expiration date, a CVC (card verification code) number, a user name, and the like. Also, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, when the token in the received bar code information (or QR code information) is valid as a result of checking, the service providing apparatus 300 corresponds to the identification information of the user apparatus 100 in the received bar code information (or QR code information) User information, benefit information, and the like stored in advance in the service providing apparatus 300 with respect to the user (or the user apparatus 100) who performs the payment, and confirms the card information, user information, To the server (500). At this time, the service providing apparatus 300 confirms the card information, the user information, the benefit information, and the like corresponding to the type of the payment card transmitted from the user apparatus 100, and transmits the confirmed card information, user information, Or may be transmitted to the server 500.

Also, the service providing apparatus 300 receives a payment function execution result (or payment information) transmitted from the payment server 500. [

In addition, the service providing apparatus 300 stores the received payment function execution result in association with the identification information of the corresponding user apparatus 100.

Also, the service providing apparatus 300 may transmit the received payment function execution result to the user apparatus 100 corresponding to the identification information of the corresponding user apparatus 100.

Also, the service providing apparatus 300 may be implemented in the form of a web server, a database server, a proxy server, or the like. In addition, the service providing apparatus 300 may be provided with at least one of a network load balancing mechanism, and various software for allowing the service providing apparatus 300 to operate on the Internet or another network, Can be implemented. The network may also be an http network, a private line, an intranet or any other network. Furthermore, the connection of the service providing device 300 and the user device 100 may be connected to the secure network so that the data is not attacked by any hacker or other third party. In addition, the service providing apparatus 300 may include a plurality of database servers, and the database server may be implemented in such a manner that the database servers are separately connected to the service providing apparatus 300 through any type of network connection including a distributed database server architecture .

Further, a processor mounted on the user apparatus 100 or the service providing apparatus 300 according to the present invention can process program instructions for executing the method according to the present invention. In one implementation, the processor may be a single-threaded processor, and in other embodiments, the processor may be a multi-threaded processor. Further, the processor is capable of processing instructions stored on a memory or storage device.

A POS (Point of Sales) terminal 400 communicates with a user apparatus 100, a beacon 200, a service providing apparatus 300, a payment server 500, and the like.

The POS terminal 400 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, (Not shown), a display unit (not shown), a sound output unit (not shown), and a control unit (not shown), respectively.

The POS terminal 400 also transmits to the beacon 200 store information related to the store where the beacon 200 (or the corresponding POS terminal) is provided, unique identification information of the store where the beacon 200 is provided .

In addition, the POS terminal 400 scans (or recognizes the barcode attached to the product to be paid for) a product to be paid for at least one product to be paid (or a payment product) selected by the user of the user device 100 .

In addition, the POS terminal 400 displays product information for one or more items to be scanned (or recognized). Here, the product information includes a product name, a product unique code, a unit price, a quantity, an amount, a total total amount, and the like.

When the user device 100 is not connected to the POS terminal 400 through the wired / wireless communication method, the user of the user device 100 may receive the preset application through the specific application installed in the user device 100 The POS terminal 400 recognizes (or scans / tags) the bar code (or QR code) displayed on the corresponding user device 100. [

In addition, the POS terminal 400 receives bar code information (or QR code information) transmitted from the user device 100. [

When the POS terminal 400 recognizes the bar code (or QR code) displayed on the user device 100, the POS terminal 400 confirms the recognized bar code information (or QR code information)

In addition, the POS terminal 400 displays or stores the received (or verified) bar code information (or QR code information).

The POS terminal 400 also transmits to the payment server 500 one or more pieces of merchandise information to be paid (or merchandise information to be recognized), barcode information (or QR code information), identification information of the POS terminal 400, do.

In addition, the POS terminal 400 receives the authentication failure information transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500.

In addition, the POS terminal 400 displays the received authentication failure information.

In addition, the POS terminal 400 may transmit the received authentication failure information to the user device 100. [

Also, immediately before the payment function for one or more products selected by the user of the user device 100 is performed based on the barcode information (or QR code information) transmitted to the payment server 500, And receives user information transmitted from the server 500. Here, the user information includes a user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the user device 100.

Also, the POS terminal 400 displays the received user information.

In addition, the user of the POS terminal 400 confirms the image of the user information displayed on the corresponding POS terminal 400 and the user of the user device 100 desiring to pay the corresponding goods, The POS terminal 400 receives the information indicating the user agreement according to the user input of the POS terminal 400. In this case,

In addition, the POS terminal 400 transmits information indicating the received user agreement, identification information of the POS terminal 400, and the like to the payment server 500.

When the payment function for one or more products selected by the user of the user device 100 is normally performed based on the barcode information (or QR code information) transmitted to the payment server 500, (Or payment information) transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500. Here, the payment function execution result (or the payment information Includes a product name, a product specific code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a payment date and time information, and a payment card type.

Also, the POS terminal 400 transmits the received payment function execution result to the user device 100. [

In addition, the POS terminal 400 may output the received payment function execution result through a print such as a receipt.

The payment server 500 communicates with the user device 100, the service providing device 300, the POS terminal 400, and the like.

The payment server 500 includes a user device communication unit 110 included in the user device 100, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, (Not shown), a display unit (not shown), a sound output unit (not shown), and a control unit (not shown), respectively.

The settlement server 500 may further include one or more goods information to be paid (or goods information to be recognized) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400 Lt; / RTI >

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing apparatus 300 in order to perform the authentication procedure related to the user apparatus 100. [

If the token in the bar code information (or QR code information) transmitted to the service providing apparatus 300 is invalid, the payment server 500 transmits the bar code information (or QR code information) transmitted to the service providing apparatus 300, The authentication failure information transmitted from the service providing apparatus 300 is received.

In addition, the payment server 500 transmits the received authentication failure information to the POS terminal 400.

When the token in the bar code information (or QR code information) transmitted to the service providing apparatus 300 is valid, the payment server 500 responds to the bar code information (or QR code information) transmitted to the service providing apparatus 300 User information, benefit information (or card information, user information, benefit information corresponding to the identification information of the user device 100 in the barcode information (or QR code information)) transmitted from the service providing apparatus 300, And the like.

In addition, the payment server 500 performs a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, and benefit information. At this time, the payment server 500 transmits the benefit information corresponding to the benefit information (or the benefit information applicable to the user of the user device 100) transmitted from the service providing device 300 to the price information on the one or more goods to be settled The user can perform a payment function for the payment amount to which the amount is applied.

At this time, just before the payment function is performed, the payment server 500 transmits the user information transmitted from the service providing apparatus 300 to the POS terminal 400.

If the user of the user device 100 intending to pay the corresponding item does not match the image in the user information, the payment server 500 transmits the payment cancellation information for the one or more goods information to the POS terminal 400 Or may perform a settlement function after performing an additional authentication procedure with respect to the corresponding user device 100.

When the user of the user apparatus 100 who intends to settle the product matches the image in the user information, the payment server 500 receives the user information from the POS terminal 400 in response to the user information transmitted to the POS terminal 400 Information indicating the correspondence of the user to be transmitted, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 may perform a payment function for the payment amount corresponding to the at least one item information to be paid based on the received card information, user information, benefit information, and information indicating user agreement.

In addition, the payment server 500 transmits the payment function execution result (or payment information) to the POS terminal 400, the service providing apparatus 300, and the like. Here, the payment function execution result (or payment information) includes a product name, a product unique code, a unit price, a quantity, a discount amount, a coupon application availability, an amount, a total total amount, a settlement date and time information,

3 is a block diagram showing the configuration of the settlement system 10 according to another embodiment of the present invention.

3, the billing system 10 comprises a user apparatus 100 and a service providing apparatus 300. [ Not all of the components of the billing system 10 shown in Fig. 3 are essential components, and the billing system 10 may be implemented by more components than the components shown in Fig. 3, The payment system 10 may also be implemented.

After the user device 100 receives the selection of the payment card for the simple payment and the PIN number corresponding to the payment card, the user device 100 transmits the location information of the user device 100 and the corresponding user device 100 And collects the location information of one or more devices located in the area. Then, the user device 100 transmits information on the previously selected payment card, the PIN number corresponding to the payment card, the location information of the collected user device 100, the location information of the collected one or more devices, And the like to the service providing apparatus 300. Thereafter, the location information of the one or more devices is compared with the location information of the user device 100, so that the location of the user device 100 exists in the area corresponding to the location information of the corresponding device, The settlement date and time information of the most recently paid (or used) payment card from among the one or more payment cards that have been registered (or registered) and the location information of the settlement store are transferred per unit distance preset in the user device 100 The service providing apparatus 300 maintains the waiting state (or check-in state) for the simple settlement after confirming that the authentication is normally completed.

4, the user device 100 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device audio output unit 140, a user device control unit 150 And a GPS receiver 160.

The GPS receiver 160 receives the GPS signals transmitted from the satellites and generates (or generates / verifies) the location data of the user device 100 in real time based on the longitude and latitude coordinates contained in the received GPS signal ). Here, the generated position data is defined as the current position (or current position data) of the user device 100. Here, it is also possible to receive position information through Wi-Fi or WiBro communication, as well as the GPS receiver 160.

The signals received through the GPS receiver 160 include 802.11, a standard for a wireless network for a wireless LAN including a wireless LAN and some infrared communication proposed by the Institute of Electrical and Electronics Engineers (IEEE), Bluetooth, UWB , A wireless metropolitan area network (MAN) including Broadband Wireless Access (FWA) and the like, 802.15 standard specification for a wireless personal area network (PAN) including a ZigBee, (Wireless Broadband Wireless Access (MBWA) including 802.16, Wibro, and WiMAX), which is a standard for the mobile Internet, such as 802.20, The location information of the terminal may be provided to the user device 100 by using the location information.

The user device control unit 150 controls the corresponding user device 100 displayed on the user device display unit 130 to receive a payment card corresponding to the user input (or user selection) And selects one (or plural) payment cards from among the one or more payment cards issued (or registered).

Also, the user device control unit 150 receives the PIN number corresponding to the selected payment card according to user input.

Also, the user device controller 150 collects the location information of the user device 100 and the location information of one or more devices (not shown) around the user device 100, respectively. Here, the device includes a beacon, a Wi-Fi device, a base station, an Internet access device, and the like.

That is, the user device controller 150 confirms (or collects / generates) the location information of the user device 100 through the GPS receiver 160.

In addition, the user device controller 150 may store identification information of the beacon transmitted from the beacon (or unique identification information of the store where the beacon is provided), identification information of the Wi-Fi device transmitted from the Wi-Fi device installed at a specific location, Through the user device communication unit 110, identification information of the base station, an IP address set in the user device 100 through the Internet access device for Internet connection, and the like. At this time, the user device controller 150 transmits the beacon location information corresponding to the beacon identification information, the Wi-Fi device location information corresponding to the Wi-Fi device identification information, the location information of the base station corresponding to the base station identification information, Corresponding position information, and the like, respectively.

Also, the user device control unit 150 receives information on the payment card, a PIN corresponding to the payment card, location information of the collected user device 100, location information of one or more devices around the collected user device 100, The identification information of the user apparatus 100, and the like to the service providing apparatus 300 through the user apparatus communication unit 110.

Also, the user device control unit 150 may receive information on the payment card previously transmitted, a PIN number corresponding to the payment card, location information of the collected user device 100, information on one or more devices Via the user device communication unit 110, the authentication failure information transmitted from the service providing apparatus 300 in response to the position information of the user. Here, the authentication failure information may be information generated when the location information of the user device 100 is not located within a predetermined radius from the location information of one or more devices.

Also, the user device control unit 150 may receive information on the payment card previously transmitted, a PIN number corresponding to the payment card, location information of the collected user device 100, information on one or more devices Via the user device communication unit 110, the authentication failure information transmitted from the service providing apparatus 300 in response to the position information of the user. Here, the authentication failure information is information that is generated when it is determined that fraudulent use is suspected in the case where there is a payment attempt in an area out of the movable range of the user device 100 after the payment has been most recently made through the user device 100 Lt; / RTI >

Also, the user device controller 150 outputs the received authentication failure information through the user device display unit 130 and / or the user device audio output unit 140.

The service providing apparatus 300 communicates with the user apparatus 100 and the like.

The service providing apparatus 300 may further include information on the payment card transmitted from the user apparatus 100, a PIN number corresponding to the payment card, location information of the user apparatus 100, Location information of the device, identification information of the user device 100, and the like.

The service providing device 300 compares the location information of the user device 100 with the location information of one or more devices and stores the location information of the corresponding user device 100 in the location information of the store (Or confirms) whether it is adjacent. At this time, the service providing apparatus 300 determines whether the location information of the corresponding user device 100 exists within the adjacent area of the location information of the one or more devices with respect to each of the location information of the one or more devices collected by the user device 100 .

That is, the service providing device 300 determines whether the location information of the user device 100 is located within a predetermined radius from the location information of one or more devices.

As a result of the determination, if the location information of the user device 100 is not located within a predetermined radius from the location information of one or more devices, the service providing device 300 may perform illegal use The authentication failure information (or the non-payment information due to illegal use) is generated, and the generated authentication failure information is transmitted to the user device 100. [

As a result of the determination, if the location information of the user device 100 is located within a predetermined radius from the location information of one or more devices, the service providing device 300 determines that the primary verification is normally completed, (Or used) payment card, settlement date and time information of the most recently paid (or used) payment card issued (or registered) to the settlement site, the settlement store, and the location of the settlement store.

At this time, if there is no payment card that has been most recently paid (or used) (or if there is no payment card that has been paid within a predetermined period (for example, three days)), the service providing apparatus 300 (Or check-in state) for the simple settlement.

In addition, the service providing apparatus 300 may calculate the difference between the position information of the user device 100 at the current time and the position information of the settlement place where settlement has been made through the most recently paid (or used) . In addition, the service providing apparatus 300 calculates the time difference between the current time and the settlement date and time information of the settlement made through the most recently paid (or used) payment card that has been confirmed.

In addition, the service providing device 300 checks whether the calculated distance difference and time difference are greater than or equal to a predetermined reference value (or a predetermined moving time per unit distance).

That is, the service providing apparatus 300 calculates the speed based on the calculated distance difference and time difference, and confirms whether the calculated speed is less than or equal to a preset reference speed.

If the calculated distance difference and the time difference are smaller than a preset reference value (or a moving time per unit distance previously set), the service providing apparatus 300 moves the corresponding user apparatus 100 It is determined that there is a settlement attempt in an area beyond a possible distance and that authentication failure information (or non-settlement information due to fraudulent use) is generated by confirming that fraudulent use is suspected and the generated authentication failure information is transmitted to the user device 100 Lt; / RTI >

If the calculated distance difference and the time difference are equal to or greater than a predetermined reference value (or a predetermined moving time per unit distance) as a result of the check, the service providing apparatus 300 transmits the data to the corresponding user apparatus 100, it is determined that there is an additional settlement attempt within the movable distance, and after confirming that the authentication is normally completed, the standby state (or check-in state) for the simple settlement is maintained.

The service providing apparatus 300 may also be configured to transmit to the user device 100 the POS terminal 400 and the settlement apparatus 400 for one or more goods to be settled And can perform a payment function for one or more goods to be paid out by interworking with the server 500.

In the present invention, instead of simply checking whether the same payment card among the payment cards registered in the user device 100 is used in another place within a preset reference time, After payment has been made through a payment card of a part of the payment cards, it is determined whether the payment card is fraudulently used for the entire payment card issued to the user device 100 according to a preset reference value So that illegal use of the entire payment card issued to the user device 100 can be prevented.

In this manner, when one or more payment cards related to the user of the corresponding user device registered in the user device are used, the user device collects various types of location information related to the user device, The service providing apparatus can compare the current location information of the user apparatus with various types of location information collected by the user apparatus to determine whether the payment card is fraudulently used or not.

When comparing the current location information of the user device with various types of location information collected by the user device, the service providing device may reflect the previous usage time information of the one or more payment cards registered in the user device, It can be judged whether or not it is used.

Hereinafter, a control method of the settlement system according to the present invention will be described in detail with reference to FIG. 1 to FIG.

5 to 6 are flowcharts illustrating a method of controlling a payment system according to an embodiment of the present invention.

First, when it is necessary to receive a payment card corresponding to a user input (or user selection) and a PIN corresponding to a selected payment card, the user device 100 transmits the PIN to the corresponding user device 100 displayed on the user device 100 And selects one (or plural) payment cards from among the one or more payment cards issued (or registered).

Further, the user device 100 receives the PIN number corresponding to the selected payment card according to the user input.

For example, the user device 100 selects an AA payment card from among a plurality of payment cards displayed on the user device 100 according to a user selection, and selects a PIN number corresponding to the AA payment card (for example, 123456 are received (S510).

The user device 100 then collects the location information of the user device 100 and the location information of one or more devices (not shown) around the user device 100, respectively. Here, the device includes a beacon, a Wi-Fi device, a base station, an Internet access device, and the like.

That is, the user device 100 may store the identification information of the beacon transmitted from the beacon (or the unique identification information of the store where the beacon is provided), the identification information of the Wi-Fi device transmitted from the Wi- And an IP address set in the user device 100 through the Internet access device for Internet connection. At this time, the user equipment 100 is provided with the location information of the beacon corresponding to the identification information of the beacon, the location information of the Wi-Fi device corresponding to the identification information of the Wi-Fi device, the location information of the base station corresponding to the identification information of the base station, And the like.

As an example, as shown in FIG. 7, the user device 100 collects (710) location information of the user device 100. 7, the user equipment 100 may include identification information (or unique identification information of the store where the beacon is provided) transmitted from the beacon 720, identification information of the base station transmitted from the base station 730) and the like are collected (S520).

Then, the user device 100 transmits information on the payment card, the PIN number corresponding to the payment card, the location information of the collected user device 100, the location information of one or more devices around the collected user device 100, And transmits the identification information and the like of the user apparatus 100 to the service providing apparatus 300. [

For example, the user device 100 may include information about the AA payment card, a PIN number (e.g., 123456) corresponding to the AA payment card, location information of the collected user device 100, To the service providing apparatus 300, the identification information of the beacon (or the unique identification information of the store in which the beacon is provided), the identification information of the base station, and the identification information of the user apparatus 100 (S530).

Thereafter, the service providing apparatus 300 transmits the information on the payment card transmitted from the user apparatus 100, the PIN number corresponding to the payment card, the location information of the user apparatus 100, Location information of the device, identification information of the user device 100, and the like.

The service providing device 300 compares the location information of the user device 100 with the location information of one or more devices and stores the location information of the corresponding user device 100 in the location information of the store (Or confirms) whether it is adjacent. At this time, the service providing apparatus 300 determines whether the location information of the corresponding user device 100 exists within the adjacent area of the location information of the one or more devices with respect to each of the location information of the one or more devices collected by the user device 100 .

That is, the service providing device 300 determines whether the location information of the user device 100 is located within a predetermined radius from the location information of one or more devices.

For example, when the service providing apparatus 300 determines that the location information of the user apparatus 100 is within a predetermined radius (for example, 100 meters) of the beacon location information corresponding to the beacon identification information around the user apparatus 100 And determines whether or not the location information of the user equipment 100 exists within a predetermined radius (for example, 500 meters) of the location information of the base station corresponding to the base station identification information of the user equipment 100 (S540).

As a result of the determination, if the location information of the user device 100 is not located within a predetermined radius from the location information of one or more devices, the service providing device 300 may perform illegal use The authentication failure information (or the non-payment information due to illegal use) is generated, and the generated authentication failure information is transmitted to the user device 100. [

In addition, the user device 100 receives authentication failure information transmitted from the service providing apparatus 300 in response to location information of the user device 100 transmitted previously, location information of one or more devices around the user device 100, and the like And displays the received authentication failure information.

For example, if the location information of the user equipment 100 exists (or exists) within a predetermined radius (for example, 500 meters) of the location information of the base station corresponding to the base station identification information in the vicinity of the user equipment 100 When there is no position information of the user device 100 within a predetermined radius (for example, 100 meters) of the beacon position information corresponding to the beacon identification information in the vicinity of the user device 100, 300 generates authentication failure information and transmits the generated authentication failure information to the user device 100. [ In addition, the user device 100 receives the authentication failure information transmitted from the service providing apparatus 300 and displays the received authentication failure information (S550).

As a result of the determination, if the location information of the user device 100 is located within a predetermined radius from the location information of one or more devices, the service providing device 300 determines that the primary verification is normally completed, (Or used) payment card, settlement date and time information of the most recently paid (or used) payment card issued (or registered) to the settlement site, the settlement store, and the location of the settlement store.

At this time, if there is no payment card that has been most recently paid (or there is no payment card that has been paid within a predetermined period (for example, three days)), the service providing apparatus 300 confirms that the authentication is normally completed, And maintains a waiting state (or check-in state) for settlement.

The location information of the user device 100 exists within a predetermined radius (for example, 100 meters) of the location information of the beacon corresponding to the identification information of the beacon around the user device 100, When the location information of the user equipment 100 exists within a predetermined radius (for example, 500 meters) of the location information of the base station corresponding to the identification information of the surrounding base station, the service providing apparatus 300 transmits the location information of the user equipment 100 (E.g., 2:30 pm on August 10, 2015), C payment store, and C payment store location information of the one or more payment cards issued to the customer Respectively.

The position information of the user device 100 exists within a predetermined radius (for example, 100 meters) of the beacon position information corresponding to the identification information of the beacon around the user device 100, (For example, three days) and the location information of the user equipment 100 exists within a predetermined radius (for example, 500 meters) of the location information of the base station corresponding to the neighboring base station identification information, The information on the AA payment card transmitted from the user device 100 and the PIN number corresponding to the AA payment card (for example, when the settlement function is not performed through the payment card issued to the user device 100) 123456), identification information of the user device 100, and the like, and maintains the standby state (S560).

Thereafter, the service providing apparatus 300 calculates a distance difference between the location information of the user device 100 at the current time and the location information of the settlement place where settlement has been made through the most recently-confirmed settlement card. In addition, the service providing apparatus 300 calculates the time difference between the current time and the settlement date and time information, which is settled through the settlement card that has been confirmed most recently.

For example, the service providing apparatus 300 calculates a first distance difference (for example, 5 km) between the location information of the user device 100 and the location information of the C settlement site identified above, And calculates a first time difference (e.g., 12 minutes) between the settlement date and the time information for which settlement is made in the settlement store.

In another example, the service providing apparatus 300 may calculate a second distance difference (e.g., 10 km) between the location information of the user device 100 and the location information of the C settlement site identified earlier, A second time difference (for example, 10 minutes) between the settlement date and the time information in which settlement is made in the C settlement shop is calculated (S570).

Thereafter, the service providing apparatus 300 determines whether the calculated distance difference and time difference are equal to or greater than a predetermined reference value (or a predetermined moving time per unit distance).

That is, the service providing apparatus 300 calculates the speed based on the calculated distance difference and time difference, and confirms whether the calculated speed is less than or equal to a preset reference speed.

For example, when the calculated first distance difference (for example, 5 km) and the first time difference (for example, 12 minutes) are within a predetermined moving distance per unit distance (for example, 30 km / 10 min per 5 km corresponding to h).

Alternatively, the service providing apparatus 300 may calculate the first speed (for example, 25 km / h) based on the calculated first distance difference (for example, 5 km) and the first time difference (for example, 12 minutes) , And checks whether the calculated first speed (for example, 25 km / h) is less than or equal to a predetermined reference speed (for example, 30 km / h).

In another example, the service providing apparatus 300 may be configured such that the second distance difference (for example, 10 km) and the second time difference (for example, 10 minutes) calculated in the service providing apparatus 300 correspond to the movement time per unit distance (For example, 20 minutes per 10 km corresponding to a reference speed of 30 km / h).

Alternatively, the service providing apparatus 300 may calculate the second speed (for example, 60 km / h) based on the calculated second distance difference (for example, 10 km) and the second time difference (for example, 10 minutes) , It is checked whether the calculated second speed (for example, 60 km / h) is less than or equal to a preset reference speed (for example, 30 km / h) (S580).

If the calculated distance difference and the time difference are smaller than a preset reference value (or a moving time per unit distance previously set), the service providing apparatus 300 moves the corresponding user apparatus 100 It is determined that there is a settlement attempt in an area beyond a possible distance and that authentication failure information (or non-settlement information due to fraudulent use) is generated by confirming that fraudulent use is suspected and the generated authentication failure information is transmitted to the user device 100 Lt; / RTI >

In addition, the user device 100 receives authentication failure information transmitted from the service providing apparatus 300 in response to location information of the user device 100 transmitted previously, location information of one or more devices around the user device 100, and the like And displays the received authentication failure information.

For example, when the second distance difference (for example, 10 km) and the second time difference (for example, 10 minutes) calculated in the service providing apparatus 300 correspond to the predetermined moving distance per unit distance (for example, (or a second speed of 60 km, which is calculated on the basis of the second distance difference and the second time difference, is greater than a preset reference speed of 30 km / h), the service providing apparatus 300 generates authentication failure information and transmits the generated authentication failure information to the user device 100. [ In addition, the user device 100 receives the authentication failure information transmitted from the service providing apparatus 300 and displays the received authentication failure information (S590).

If the calculated distance difference and the time difference are equal to or greater than a predetermined reference value (or a predetermined moving time per unit distance) as a result of the check, the service providing apparatus 300 transmits the data to the corresponding user apparatus 100, it is determined that there is an additional settlement attempt within the movable distance, and after confirming that the authentication is normally completed, the standby state (or check-in state) for the simple settlement is maintained.

For example, when the calculated first distance difference (for example, 5 km) and the first time difference (for example, 12 minutes) are within a predetermined moving distance per unit distance (for example, 30 km / h) (or when the first speed 25 km / h, which is calculated on the basis of the first distance difference and the first time difference, is less than the preset reference speed 30 km / h) The device 300 temporarily stores information on the AA payment card transmitted from the user device 100, a PIN number (for example, 123456) corresponding to the AA payment card, identification information of the user device 100, (S600).

The user device, the service providing device, the POS terminal, and the settlement system including the user terminal, the POS terminal, and the billing system according to the embodiment of the present invention can be created in a computer program. Codes and code segments constituting the computer program can be easily Can be deduced. In addition, the computer program is stored in a computer readable medium and read by a computer, a user apparatus, a beacon, a service providing apparatus, a POS terminal, a payment server, or the like according to an embodiment of the present invention Thereby realizing a user apparatus, a service providing apparatus, a POS terminal, and a payment system including the same.

The information storage medium includes a magnetic recording medium, an optical recording medium, and a carrier wave medium. The computer program embodying the user apparatus, the service providing apparatus, the POS terminal, and the payment system including the same according to the embodiment of the present invention is stored and installed in a built-in memory such as a user device, a beacon, a service providing device, a POS terminal, . Alternatively, an external memory such as a user device, a service providing device, a POS terminal, a smart card storing and installing a computer program implementing the payment system including the user terminal, a beacon and a service A POS terminal, a payment server, or the like.

As described above, when using one or more payment cards related to a user of a corresponding user device registered in a user device, the embodiment of the present invention collects various types of location information related to the user device from the user device, The service providing apparatus compares the current position information of the user apparatus with various types of position information collected by the user apparatus to determine whether the payment card is fraudulent or not, It is possible to verify the fraudulent use in which the user device is stolen or the location information of the store is stolen, and the reliability of fraudulent use judgment can be enhanced.

As described above, according to the embodiment of the present invention, when comparing the current position information of the user apparatus with various types of position information collected from the user apparatus, It is possible to verify the fraudulent use of the payment card by reflecting the time information and to verify fraudulent use in a plurality of steps and to utilize it as information for recommending the payment means or analyzing the consumption pattern in the future.

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 essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

In the present invention, when one or more payment cards related to a user of a corresponding user device registered in the user device are used, various types of location information related to the user device are collected from the corresponding user device, The service providing device compares the current location information of the user device with the various types of location information collected by the user device to determine whether the payment card is fraudulently used to steal the user device, It can be used extensively in the area of simple payment, advertisement, service providing device, user device, POS terminal, payment server, etc. It is possible to verify fraudulent use of information and increase the reliability of fraud judgment .

10: Payment system 100: User device
200: Beacon 300: Service providing device
400: POS terminal 500: Payment server
110: user device communication unit 120: user device storage unit
130: User device display part 140: User device audio output part
150: User device control unit 160: GPS receiver

Claims (11)

A communication unit for receiving information on a payment card transmitted from a user apparatus, a PIN number corresponding to the payment card, location information of the user apparatus, location information of one or more devices around the user apparatus, and identification information of the user apparatus; And
Determining whether the location information of the user device is located within a predetermined radius from the location information of the one or more devices for the purpose of the first verification and determining whether the location information of the user device is located within a predetermined radius from the location information of the one or more devices A settlement date and time information, a payment settlement site, and a location of a payment settlement, which are most recently paid out from one or more settlement cards issued to the user device when the user device is located within a predetermined radius, Information between the current time and the settlement date and time information of settlement made through the latest settlement card that has been confirmed, A system that performs secondary verification based on time differences The service providing apparatus including a. The method according to claim 1,
Wherein the control unit generates authentication failure information when the location information of the user device is not located within a predetermined radius from the location information of the one or more devices as a result of the determination and transmits the generated authentication failure information to the user device And controls the communication unit to transmit the service request. The method according to claim 1,
Wherein the control unit is configured to maintain the waiting state for the simple settlement when the settlement card is not set within a predetermined period in a state where the location information of the user equipment is located within a predetermined radius from the location information of the one or more devices The service providing apparatus comprising: The method according to claim 1,
The control unit checks whether the calculated distance difference and time difference are equal to or greater than a preset reference value, and when the calculated distance difference and time difference are smaller than the reference value, And controls the communication unit to transmit the generated authentication failure information to the user device. The method according to claim 1,
Wherein the control unit checks whether the calculated distance difference and time difference is greater than or equal to a preset reference value and when the calculated distance difference and time difference are equal to or greater than a reference value, To the service providing apparatus. Receiving information on the payment card transmitted from the user apparatus, the PIN number corresponding to the payment card, the location information of the user apparatus, the location information of one or more devices around the user apparatus, and the identification information of the user apparatus step;
Determining, through the control unit, whether the location information of the user equipment is located within a predetermined radius from the location information of the one or more devices for the primary verification;
When the location information of the user device is located within a predetermined radius from the location information of the one or more devices as a result of the determination, Type, settlement date and time information, location information of the settlement store and settlement store;
And a control unit for controlling the control unit so that the difference between the location information of the user device and the location information of the settlement place where settlement has been made through the most recently paid settlement card and the difference between the current time and the latest confirmed settlement card Calculating a time difference between the settlement date and the time information on which settlement is made;
Calculating a speed based on the calculated distance difference and time difference through the control unit;
Checking whether the calculated speed is less than or equal to a preset reference speed through the controller; And
When the calculated speed is less than or equal to the reference speed as a result of the checking, it is determined that there is an additional payment attempt within a movable distance of the user device, so that authentication is normally completed, And maintaining a standby state for the service providing apparatus. The method according to claim 6,
If it is determined that the location information of the user device is located within a predetermined radius from the location information of the one or more devices and there is no payment card that has been paid within a preset period of time, Maintaining;
Generating authentication failure information through the control unit when the position information of the user device is not located within a predetermined radius from the position information of the one or more devices as a result of the determination; And
And transmitting the generated authentication failure information to the user equipment through the communication unit. The method according to claim 6,
Generating authentication failure information through the controller when the calculated speed is greater than the reference speed; And
And transmitting the generated authentication failure information to the user equipment through the communication unit. 9. A recording medium on which a computer program for performing the method according to any one of claims 6 to 8 is recorded. Selecting one payment card among the one or more payment cards registered in the user device displayed on the user device, receiving the PIN number corresponding to the selected payment card, checking the location information of the user device, Collects location information of one or more devices in the vicinity, and stores information about the selected payment card, a PIN number corresponding to the payment card, location information of the user device, location information of the collected one or more devices, The user device transmitting information; And
Payment date and time information of the payment card most recently paid out of one or more payment cards issued to the user device when the location information of the user device is located within a predetermined radius from the location information of the one or more devices, The location information of the settlement store and the location difference between the location information of the user device and the location information of the settlement place where settlement has been made through the most recently paid settlement card, Calculating a time difference between the settlement date and the time information for which the settlement has been made through the settlement card, and when the calculated distance difference and time difference are equal to or greater than preset reference values, If there is an attempt, And a service providing device for maintaining a standby state for simple settlement. 11. The method of claim 10,
The service providing apparatus generates authentication failure information by suspected fraud, and transmits the generated authentication failure information to the user apparatus when the calculated distance difference and time difference are smaller than a preset reference value Billing system.

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