KR20180052862A - Method for servcing payment using beacon communication - Google Patents

Abstract

Disclosed is a payment service providing method of a payment terminal device using beacon communication, which transmits and receives data by using a superframe including a beacon period and a data period. According to one embodiment of the present invention, the method comprises: a step of broadcasting a payment beacon including payment identification (ID) information for the beacon period; a step of recognizing one or more terminals among a plurality of mobile terminals responding to the payment beacon as a mobile terminal to perform payment; a step of receiving a terminal side data frame including ID information, a payment amount, and a payment means from the recognized mobile terminal for the data period; a step of performing the payment based on the received terminal side data frame; a step of generating a payment side data frame using the ID information included in the terminal side data frame as a destination address wherein the payment side data frame includes a payment result message generated as the payment is performed; and a step of broadcasting the payment side data frame to transmit the frame to the recognized mobile terminal. The present invention is able to increase user convenience.

Description

[0001] METHOD FOR SERVING PAYMENT USING BEACON COMMUNICATION [0002]

The present invention relates to a method of providing a payment service using beacon communication, which is capable of searching for a payer's mobile terminal through beacon communication and transmitting and receiving information necessary for payment through communication between the searched mobile terminals and providing a payment service.

In recent years, the number of subscribers to mobile phone networks has greatly increased globally, and mobile communication terminals providing only simple voice communication functions by means of technological progress and functions have evolved into mediums that provide various types of information and services. As a result, the mobile information society is developing, and personal and regional services are becoming increasingly important. These " CA (Context-Aware) "mobile phones are used at low power with suitable short range base stations, such as shopping malls, to provide location-specific information. This information may include local maps, information about shops and restaurants, and so on. This information is often sent free of charge, but it may be that the user is paying for the data services (e.g., updating the sports score, downloading new ringing tone of the mobile phone). The payment for such goods and services may be made by conventional methods such as sending a check or credit card authorization, or by tel-banking or direct debit arrangements, It has been recognized that an automated payment system may be beneficial.

As described above, there is a growing interest in Fin-Tech technology in accordance with the development and dissemination of mobile communication technology. PinTech is a payment system that integrates financial companies and IT companies. It enables payment by mobile device without cash or card.

Meanwhile, with the expansion of the network infrastructure, the spread of the Internet, and the development of mobile communication technology, modern people can access communication services through their portable terminals, for example, mobile devices anytime and anywhere. In addition, interactive services are widely spread based on such communication services. The interactive service means a service type capable of bi-directional data transmission in the conventional unidirectional data transmission. In order to provide such an interactive service, an interactive access point (AP) for transmitting a beacon signal and a terminal for receiving such a beacon signal, The terminal is essential.

Also, in order to provide convenience and useful information to the user of mobile terminal, development of a technology combining the above-mentioned PinTech technology and beacon-based interactive service is proceeding.

Korean Patent Publication No. 2007-0014380 (published on Feb. 1, 2007)

The present invention recognizes and registers at least one mobile terminal on the paying side through which the payment is to be made via beacon communication, receives the payment amount and the payment means through communication with the registered mobile terminal on the payer, The present invention provides a payment service providing method using a beacon communication.

In addition, the present invention executes a payment application of a mobile terminal using a payment beacon received from the outside, generates a terminal-side data frame including a payment amount and a payment means based on the payment data, broadcasts the terminal data frame, And provides a payment service providing method using a beacon communication capable of receiving a response after request.

It is to be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a method of providing a payment service using beacon communication according to an exemplary embodiment of the present invention. A method for providing a payment service of a terminal device, the method comprising: broadcasting a payment beacon including payment identification information during the beacon period; and transmitting at least one of a plurality of mobile terminals responding to the payment beacon to a mobile The method comprising the steps of: recognizing the terminal side data frame including the identification information, the payment amount, and the payment means from the recognized mobile terminal during the data interval; A step of performing a step Generating a settlement side data frame including the generated settlement result message with the included identification information as a destination address; broadcasting the settlement side data frame and transmitting it to the recognized mobile terminal; . ≪ / RTI >

According to an embodiment of the present invention, the step of broadcasting the payment beacon includes: providing an interface for inputting a payment key including a total payment amount; And broadcasting the beacon for payment including the information.

According to an embodiment of the present invention, the step of performing the settlement includes the steps of: determining whether a settlement amount in the terminal-side data frame is equal to a total settlement amount by comparing the settlement amount with the total settlement amount; Requesting payment by accessing a server; and receiving a payment completion response based on the payment request from the payment server.

According to an exemplary embodiment of the present invention, the step of performing the payment may include a step of, when at least two mobile terminals are recognized and two or more terminal side data frames are received, The method comprising the steps of: judging whether or not the settlement data matches the settlement amount of the settlement data of the terminal; And receiving a completion response.

According to an embodiment of the present invention, the step of recognizing with the mobile terminal may include calculating a signal value for each of the response signals received from the plurality of mobile terminals in response to the payment beacon, And selecting and recognizing the mobile terminal for the payment proceeding among the plurality of mobile terminals.

According to an embodiment of the present invention, the payment beacon may be an ultrasonic beacon signal having the payment identification information.

According to an aspect of the present invention, there is provided a method of providing a payment service using beacon communication according to an exemplary embodiment of the present invention. The method includes providing a beacon service using a beacon communication with a super frame having a beacon period and a data interval, A method of providing a payment service in a terminal, the method comprising: receiving a payment beacon including identification information of the payment terminal device during a beacon period of the superframe; Providing an interface capable of inputting a payment amount and a payment means through execution of the payment application; and receiving the payment amount, the payment means, and the settlement amount as the payment amount and the payment means are inputted through the interface, Includes the identification information of itself, The method comprising the steps of: generating a terminal-side data frame set in the beacon identification information for the superframe; broadcasting the terminal-side data frame during a data interval of the superframe; And receiving the settlement side data frame from the settlement terminal apparatus.

According to an embodiment of the present invention, the payment beacon includes a total payment amount and identification information of the settlement terminal, and the step of executing the settlement application includes receiving the total payment amount from the settlement beacon, Providing an interface for extracting identification information of the payment application and setting whether to execute the payment application including the extracted identification information, and executing the payment application according to the setting through the interface.

The above-described task solution is merely exemplary and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and the detailed description of the invention.

According to any one of the above-described means for solving the problems of the present invention, it is possible to recognize and register at least one mobile terminal on the payer side to which payment is to be made via the beacon communication, and to register the payment amount and the payment means A billing service can be provided at a desired location by providing a billing service providing method using beacon communication in which payment can be performed based on the received billing service. Can be eliminated.

In addition, according to any one of the above-mentioned objects of the present invention, a billing application of a mobile terminal is executed using an externally received payment beacon, and a terminal-side data frame including a payment amount and a payment means is transmitted The payment application can be automatically executed by inputting payment information by providing a payment service providing method using a beacon communication that can generate and broadcast a payment request and receive a response after a payment request. Lt; / RTI >

In addition, according to any of the above-mentioned objects of the present invention, there is provided a payment service providing method capable of recognizing two or more mobile terminals and performing payment processing using each terminal-side data frame received from the recognized mobile terminal It is possible to provide various types of services such as Dutch Pay.

1 is a diagram illustrating a whole network environment for explaining a beacon-based payment service providing method according to an embodiment of the present invention
2 is a block diagram illustrating a detailed configuration of a payment service providing apparatus in a mobile terminal according to an embodiment of the present invention.
3 is a block diagram showing a detailed configuration of a payment terminal device according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a process of providing a beacon-based settlement service in a settlement terminal according to an embodiment of the present invention.
5 is a flowchart illustrating a process of providing a payment service using a mobile terminal according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification of the present invention, when a part is referred to as "including " an element, it is understood that it may include other elements as well, without excluding other elements unless specifically stated otherwise.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the present disclosure are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "used in the specification of the present invention does not mean" step for.

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware. In the present description, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram illustrating a whole network environment for explaining a beacon-based payment service providing method according to an embodiment of the present invention. Referring to FIG. 1, And may include the terminal device 200.

The mobile terminal 100 may include a payment service providing apparatus 110 that can be executed based on a payment beacon received via the short-range wireless network 150. [ The payment service providing apparatus 110 is stored in an executable form on the recording medium of the mobile terminal 100 in the form of an application and is executed on the mobile terminal 100 upon receipt of the payment beacon, It is possible to provide a payment service through the set payment means. Here, the payment means may mean card settlement, point settlement, or the like.

In addition, the payment service providing apparatus 110 provides an interface by which settlement related information can be inputted according to receipt of a payment beacon, and includes payment related information input through the interface, Side data frame using the identification information of the mobile terminal 200 as a destination address and broadcast it to the payment terminal device 200 by broadcasting it during the data period of the superframe.

On the other hand, the payment service providing apparatus 110 broadcasts a terminal-side data frame, receives a payment-side data frame in a response corresponding thereto, and transmits a payment processing result to the mobile terminal 100 using the received payment- Can be displayed on the screen.

The mobile terminal 100 as described above is a mobile communication device that is guaranteed to be portable and mobility. For example, a PCS (Personal Communication System), a GSM (Global System for Mobile communication), a PDC (Personal Digital Cellular) Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W- , A smartphone, a smart pad, a tablet PC, and the like.

The detailed configuration of the settlement service providing apparatus 110 as described above will be described with reference to FIG.

2 is a block diagram illustrating a detailed configuration of a payment service providing apparatus 110 in the mobile terminal 100 according to an embodiment of the present invention.

2, the payment service providing apparatus 110 includes a beacon receiving unit 112, an interface providing unit 114, a data frame processing unit 116, a power control unit 118, and a short- .

The beacon receiving unit 112 can activate the settlement service providing apparatus 110 based on a beacon signal broadcast from the settlement terminal apparatus 200. [ Specifically, the beacon receiving unit 112 receives a beacon signal corresponding to a sound signal having predetermined identification information (an identifier indicating a payment request message) or a beacon signal in a Bluetooth or Wi-Fi band having identification information from the payment terminal device 200 And then execute a payment application for providing a payment service based on the received payment.

The beacon receiving unit 112 executes a payment application when a beacon signal having a signal strength of a predetermined value or more is received, and transmits the beacon signal to the short range wireless communication unit 120, for example, a Bluetooth LE, a Wi- Can be operated. Specifically, the beacon receiving unit 112 controls the power control unit 118 to supply power to the short-distance wireless communication unit 120 in response to the reception of the beacon signal, and changes the Bluetooth function of the mobile terminal 100 from an inactive state to an active state .

The beacon receiving unit 112 extracts the in-billing beacon identification information according to the receipt of the payment beacon having information such as the identification information of the payment terminal apparatus 200 and the total payment amount through the activated short range wireless communication unit 120 And provides it to the data frame processing unit 116 and provides the total payment amount in the payment beacon to the interface providing unit 114. [

On the other hand, the beacon receiving unit 112 can operate only on the beacon for payment having a signal intensity equal to or greater than a preset value. Specifically, the beacon receiving unit 112 extracts the identification information of the payment terminal apparatus 200 through signal processing only for a payment beacon having a predetermined value or more, and provides the identification information to the data frame processing unit 116.

In addition, since the beacon receiving unit 112 receives the beacon for payment, the interface providing unit 114 may provide an information input interface for inputting settlement related information. Here, the information input interface may include a total payment amount, a setting window for setting a payment means, and an input window for inputting a payment amount.

The interface providing unit 114 may provide the payment unit and the payment amount to the data frame processing unit 116 through the information input interface.

The data frame processing unit 116 generates a terminal-side data frame, which is identification information of the payment terminal apparatus 200, as a payload and a payment means, which is payment related information, as a payload, And may transmit it to the settlement terminal apparatus 200 by broadcasting within a predetermined radius through the short-range wireless communication unit 218. [

On the other hand, the data frame processing unit 116 broadcasts a terminal-side data frame, extracts a payment result message from the payment-side data frame as a data frame, for example, a payment-side data frame is received from the outside during the data interval, Lt; RTI ID = 0.0 > 114 < / RTI >

The power control unit 118 may control the power of the short-range wireless communication unit 218 in cooperation with the beacon receiving unit 112. [

 The billing terminal device 200 broadcasts a beacon signal including billing identification information within a predetermined radius during a beacon period of the superframe to execute the billing service providing apparatus 110 in the mobile terminal 100, And can receive a response signal from the payment service providing apparatus 100 by being connected to the service providing apparatus 110 by short-range wireless communication. Specifically, the payment terminal device 200 broadcasts a beacon signal corresponding to a sound signal having a pattern for payment identification information through a speaker (not shown), or transmits a beacon signal in a Bluetooth or Wi-Fi frequency band The beacon signal having the identification information) to execute the payment service providing apparatus 110 in the mobile terminal 100.

The billing terminal device 200 broadcasts a beacon signal during a beacon period of a superframe, recognizes only the mobile terminal 100 that has transmitted a response signal having a predetermined threshold value or more, broadcasts a beacon signal to the recognized mobile terminal 100 The mobile terminal 100 may generate the settlement progress table using the identification information of the mobile terminal 100 in the response signal of the mobile terminal 100.

On the other hand, the payment terminal device 200 transmits the payment beacon including the identification information of the payment terminal device 200 and the total payment amount to all the mobile terminals 100 in the generated payment progress table, Upon receipt of the terminal-side data frame from the terminal 100, the terminal 100 requests payment for the payment amount through interlocking with the payment server 160 corresponding to the payment means within each terminal-side data frame, A payment side data frame including the payment result message may be generated as it is received from the payment server 160 and then broadcasted during the data period of the superframe.

The detailed configuration of the settlement terminal device 200 will be described with reference to FIG.

3 is a block diagram showing the detailed configuration of the settlement terminal apparatus 200 according to the embodiment of the present invention.

3, the payment terminal device 200 includes a payment beacon transmission / reception unit 210, a table generation unit 212, a payment processing unit 214, a payment side data frame generation unit 216, 218 and memory 220, and the like.

The beacon transmission / reception unit 210 broadcasts a beacon signal including identification information for payment during a beacon period of a superframe, receives a beacon signal from the mobile terminal 100, 100 to the table generating unit 212. The table generating unit 212 generates the table information.

The beacon transmission / reception unit 210 generates a payment beacon including the identification information of the payment terminal device 200 and transmits the beacon to the mobile terminal 100 in the payment progress table (the payment progress table generated by the table generation unit 212) And can receive a response signal for the beacon signal for payment from the settlement service providing apparatus 110 of the mobile terminal 100.

Also, the beacon transmission / reception unit 210 provides an interface for inputting a settlement key to the settlement terminal device 200, and is driven by inputting a settlement key through the interface, A billing beacon including identification information of the mobile terminal 200 may be generated and broadcasted, and then the mobile terminal 100 may be searched for a payment within a predetermined radius based on the broadcast beacon. Here, an example of the settlement key may be a total payment amount or a plurality of strings.

The table generating unit 212 generates a payment progress table based on the identification information of the mobile terminal 100 that has transmitted the response signal and stores the generated payment progress table in the memory 220. [

The payment processing unit 214 checks whether the terminal side data frame is received from all the mobile terminals 100 in the settlement progression table. If the terminal side data frame is received from all the mobile terminals 100, The payment server 160 and the communication unit 218, and can receive a settlement completion response after requesting payment.

The settlement processing unit 214 may determine whether the result of the calculation of the settlement amount in the terminal-side data frame is equal to the total settlement amount. If the result is equal to the total settlement amount, the settlement processing unit 214 may perform settlement by interlocking with the settlement server 160.

The settlement side data frame generation unit 216 generates a settlement side data frame including the settlement result message upon receipt of the settlement completion response and using the identification information of the mobile terminal 100 set in the settlement progression table as the destination address And broadcast it through the communication unit 218.

The communication unit 218 is connected to the short-range wireless communication network, the mobile communication network, and the wired communication network to transmit and receive signals.

The operation of the beacon-based payment service providing system having the above-described configuration will be described with reference to FIGS. 4 and 5. FIG.

4 is a flowchart illustrating a process of providing a payment service based on a beacon in the payment terminal device 200 according to an embodiment of the present invention.

As shown in FIG. 4, the payment terminal device 200 provides an interface for inputting a payment key for payment (S400).

The payment terminal device 200 generates a payment beacon including the payment key and the identification information of the payment terminal device 200 (S402), and then transmits the generated payment beacon Is broadcast during the beacon period (S404). Here, the payment key may be a total payment amount.

Thereafter, the payment terminal device 200 recognizes the mobile terminal 100 that has transmitted the response signal in response to the payment beacon during the beacon period (S406). More specifically, the payment terminal device 200 receives a response signal including the identification information of the mobile terminal 100 from the mobile terminal 100 within a predetermined radius, The identification information of the mobile terminal 100 can be recognized.

Then, the payment terminal device 200 generates a payment progress table using the identification information of the recognized mobile terminal 100 and stores it in the memory 220 (S408).

Then, the payment terminal device 200 receives, from the mobile terminal 100 corresponding to the identification information of the mobile terminal 100 in the payment progress table during the data period of the superframe, the identification information, the payment amount, It is determined whether a data frame is received (S410).

As a result of the determination in S410, when the terminal side data frame is received from all the mobile terminals 100 corresponding to the information in the payment progress table, the payment terminal device 200 receives the sum value And the total payment amount (S412).

As a result of the determination in S412, when the two mobile terminals 100 coincide with each other, the payment terminal device 200 accesses the payment server 160 corresponding to the payment means within each terminal-side data frame and transmits the payment amount and the identification information of the mobile terminal 100 (S414). Upon receipt of the payment completion response for the request from the payment server 160, the mobile terminal 100 generates a payment result message for each terminal-side data frame and transmits the identification information of the mobile terminal 100 to the destination Side data frame in which the payment processing result message is payloaded (S416).

Then, the payment terminal device 200 broadcasts the payment-side data frame and transmits the data frame to the mobile terminal 100 corresponding to the identification information of the mobile terminal 100 (S418).

5 is a flowchart illustrating a process of providing a payment service using the mobile terminal 100 according to an embodiment of the present invention.

5, when a beacon signal is received from the outside, the mobile terminal 100 displays an interface for setting whether to execute the payment application on the display unit of the mobile terminal 100 (S500).

Thereafter, when an operation corresponding to a request for execution of a payment application, for example, a touch operation, is performed on the interface, the mobile terminal 100 transmits a beacon signal to the payment terminal device 200, A payment beacon is received from the payment terminal device 200 and an interface for inputting the payment amount and the payment means is provided (S502).

Then, the payment service providing apparatus 110 corresponding to the payment application includes the payment amount inputted through the interface, the payment means and the identification information of the payment means, and the identification information of the payment terminal apparatus 200 in the payment beacon Side data frame having the destination address (S504).

Thereafter, the settlement service providing apparatus 110 broadcasts the terminal-side data frame during the data period of the superframe (S506).

When the payment-side data frame is received from the payment terminal device 200 (S508) after broadcasting the terminal-side data frame, the payment service providing device 110 transmits a payment result message And displays it on the display unit (S510).

On the other hand, the payment service providing method as described above can also be implemented in the form of a recording medium including instructions executable by a computer such as a program module executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: mobile terminal
110: a payment service providing device
150: Short-range wireless network
160: Payment server
200: terminal for payment

Claims (7)

A method for providing a settlement service for a settlement terminal using beacon communication in which data is transmitted and received using a super frame having a beacon period and a data interval,
Broadcasting a payment beacon including payment identification information during the beacon period;
Recognizing at least one of the plurality of mobile terminals responding to the payment beacon as a mobile terminal for payment progress;
Receiving a terminal-side data frame including identification information, a payment amount, and a payment means from the recognized mobile terminal during the data interval;
Performing a payment based on the received terminal-side data frame;
Generating a settlement side data frame including the generated settlement result message by performing the settlement by using the identification information included in the terminal side data frame as a destination address;
And broadcasting the payment-side data frame to the recognized mobile terminal.
The method according to claim 1,
Broadcasting the payment beacon includes:
Providing an interface through which a payment key including a total payment amount can be input;
And broadcasting the payment beacon including the payment key and the identification information of the payment terminal device.
3. The method of claim 2,
The step of performing the settlement includes:
Determining whether the amount of money in the terminal-side data frame coincides with the total amount of payment in the terminal-side data frame;
Requesting settlement by accessing a payment server corresponding to the settlement means if it is matched;
And receiving a payment completion response based on the payment request from the payment server.
3. The method of claim 2,
The step of performing the settlement includes:
Determining whether a value calculated for each of the terminal-side data frames is equal to the total payment amount if at least two mobile terminals are recognized and two or more terminal-side data frames are received;
A step of requesting settlement by connecting to each payment server corresponding to the payment means of each of the terminal side data frames,
And receiving a settlement completion response based on the settlement request from each of the settlement servers.
The method according to claim 1,
The step of recognizing by the mobile terminal,
Calculating a signal value for each of the response signals received from the plurality of mobile terminals in response to the payment beacon;
And selecting and recognizing the mobile terminal for the payment proceeding among the plurality of mobile terminals using the calculated signal value.
A method for providing a payment service in a mobile terminal using beacon communication for transmitting and receiving data using a super frame having a beacon period and a data interval,
Receiving a payment beacon including identification information of the payment terminal device during a beacon period of the superframe;
Executing a payment application on receipt of the payment beacon;
Providing an interface capable of inputting a payment amount and a payment means through execution of the payment application;
Generating a terminal-side data frame including the payment amount, the payment means, and the identification information thereof as the payment amount and the payment means are inputted through the interface and the destination address is set as the identification information in the payment beacon;
Broadcasting the terminal-side data frame during a data interval of the superframe;
And receiving the payment-side data frame from the payment terminal device after broadcasting the terminal-side data frame.
The method according to claim 6,
The payment beacon includes a total payment amount and identification information of the settlement terminal,
Wherein the step of executing the payment application comprises:
Providing an interface for extracting a total payment amount and identification information of a payment terminal device from the payment beacon and setting whether to execute the payment application including the payment information,
And executing the payment application according to the setting through the interface.

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