WO2017057832A1

WO2017057832A1 - User equipment, beacon, service providing device, payment system comprising same, control method therefor, and computer readable medium having computer program recorded thereon

Info

Publication number: WO2017057832A1
Application number: PCT/KR2016/007916
Authority: WO
Inventors: 곽세병
Original assignee: 에스케이플래닛 주식회사
Priority date: 2015-10-01
Filing date: 2016-07-20
Publication date: 2017-04-06

Abstract

Disclosed are a user equipment, a beacon, a service providing device, a payment system comprising the same, a control method therefor, and a computer readable medium having a computer program recorded thereon. On the basis of location information of a user equipment which enters a store, based on signal strength transmitted from a plurality of beacons, PDR information such as speed, direction, etc. according to the movement of the corresponding user equipment, and image information transmitted from a plurality of photographing devices provided in the store, etc., an object corresponding to a user is identified, user information is matched with the object, and a tracking function of the corresponding object according to the movement of the user is provided. Accordingly, it is possible to easily track the object in an image, efficiently provide various services according to the movement of the user in the store, improve the user's convenience, and enhance the user's satisfaction.

Description

Recording device recording user device, beacon, service providing device, payment system including the same, control method thereof and computer program

The present invention relates to a user device, a beacon, a service providing device, a payment system including the same, a recording method including a control method thereof, and a computer program recorded therein (USER EQUIPMENT, BEACON, SERVICE PROVIDING DEVICE) READABLE MEDIUM HAVING COMPUTER PROGRAM RECORDED THEREON), More specifically, the location information of the user device entering the store based on the signal strength transmitted from a plurality of beacons transmitted from the user device in the service providing device, and the user Based on PDR (Pedestrian Dead Reckoning) information such as speed and direction according to the movement of the device, and image information transmitted from a plurality of photographing devices provided in the store, the user of the user device in the image information Identify the corresponding object and use that corresponds to the identification information of that user device Matching the user information with the object, providing the tracking function of the object as the user moves on the user device, and adjusting the authentication level for offline payment based on the user's walking status in the offline store. Offline payment can be performed by checking whether the user enters the POS of the offline store, checking exactly where the user is checked out of the offline store, and checking which store the user entered. To a payment technology that can.

The present invention is the Korean Patent Application No. 10-2015-0138637, filed October 1, 2015, Korea Patent Application No. 10-2015-0170219, filed December 1, 2015, Korea, filed December 8, 2015 Benefits of the date of filing of Patent Application No. 10-2015-0174261, Korean Patent Application No. 10-2015-0174251 filed December 8, 2015 and Korean Patent Application No. 10-2015-0175728 Filed December 10, 2015 Claims, all of which are hereby incorporated by reference.

A beacon or wireless hub installed in a store transmits a wireless signal such as a BLE beacon signal for promotion or service promotion of the store, and a user device adjacent to the beacon or wireless hub transmits a wireless signal transmitted from the beacon or wireless hub. And a function of displaying information included in the received wireless signal.

Such a user device merely receives and displays information provided by a store, and thus has difficulty in performing an additional service function based on information provided by the corresponding store.

In addition, there is an effort to grasp the movements or areas of interest of customers in the store and use them as marketing information, and research is being conducted to provide accurate customer management by identifying the faces of customers through image information.

To identify the movement of customers in the store is to accumulate the path that the object moved through image analysis, to grasp the path of interest of the customer, or to understand the time of stay in the specific area to identify the product or region of interest. I'm just grasping.

In addition, there is a lot of effort to recognize the customer's face through image analysis to check the information on the customer only with the image, and provide the service accordingly, but to identify each customer only by the image analysis is shading, noise, hairstyle, glasses, Due to various environmental factors such as hats and makeup, the reality is low, and it is not easy to keep track of these identified customers.

In addition, as mobile terminals become more common, the need for payment using mobile terminals is continuously increasing, as well as online. One of the important theme technologies in offline payment using mobile is user authentication technology that can guarantee security and convenience at the time of payment. That is, when performing a payment, the user should be able to prevent abnormal payments by detecting abnormal payments while performing authentication by requesting a minimum procedure or operation.

Conventionally, after a user makes a payment through a mobile terminal in advance before arriving at an offline store, a technology exists such that the user receives a paid product upon arrival at the store. However, this technology uses a mobile terminal to make a payment before a user visits an offline store, and the user directly visits the offline store, decides which product to purchase, and then uses a simpler process in the store's POS. It is different from payment technology.

In addition, even in a simple payment process in the POS, a security technology that blocks the possibility of fraudulent payment by checking whether a buyer who receives a purchased product and a payer who has made a payment is difficult to find in the related art.

Related prior arts include Korean Patent Registration No. 10-1034643, registered May 4, 2011 (name: Customer Management System) and Korean Patent Publication No. 10-2013-0116151, published on October 23, 2013 (name) : Pedestrian position estimation method using stride length estimation model parameter and apparatus therefor.

An object of the present invention, the object is the location information of the user device entering the store based on the signal strength transmitted from the plurality of beacons transmitted from the user device in the service providing device, the speed, direction according to the movement of the user device A user corresponding to the user of the corresponding user device in the image information based on PDR information such as the PDR information and the image information transmitted from the plurality of photographing apparatuses provided in the store, and the user corresponding to the identification information of the corresponding user device. A record of a user device, a beacon, a service providing device, a payment system including the same, a control method thereof, and a computer program that match information with the object and provide a tracking function of the object according to the movement of the user of the user device. To provide a medium.

In addition, an object of the present invention is to track the movement of the user entering the store by the user's tracking function according to the image analysis in the store, the identification of the surrounding products according to the time spent, the purchase of goods by the user's payment information A user device, a beacon, a service providing device, a payment system including the same, a control method thereof, and a computer program for providing a coupon function, a shopping route recommendation function, and the like to the user device based on the identified information. It is to provide a recorded recording medium.

In addition, an object of the present invention is to effectively prevent abnormal payments that may occur during offline payments by improving the authentication level for offline payments by accurately detecting an abnormal state after the user is checked in to the offline store.

In addition, an object of the present invention is to prevent the risk of fraudulent settlement that may occur in the purchase process after the first authentication is completed by performing the second authentication dependent on the first authentication.

In addition, an object of the present invention is to reduce the cost caused by the installation of the detection device by varying the authentication level by measuring the walking state of the mobile terminal even in an offline store where a separate detection device for secondary authentication is not installed.

In addition, an object of the present invention is to provide convenience of offline payment by performing a second authentication only when the user enters the payment area near the POS during offline payment using the mobile terminal.

In addition, an object of the present invention is to accurately detect the entry into the payment area based on the walking state of the user during the second authentication to improve the accuracy and security of the second authentication for offline payment.

In addition, an object of the present invention is to provide a more accurate checkout technology through the walking state information of the user in the offline payment technology using a mobile terminal.

In addition, an object of the present invention is to enable accurate checkout of the user's mobile terminal even in an offline store without beacons installed.

In addition, it is an object of the present invention to exclude the possibility of fraudulent payment that may occur in the offline payment by using a mobile terminal by performing an accurate checkout of the offline store.

In addition, an object of the present invention is to more accurately and effectively identify the store visited by the user in the offline payment technology using a mobile terminal, overcoming the overlapping area and unstable recognition, such as beacon-based check-in limit based on the two-step check-in .

In addition, it is an object of the present invention to enable check-in for stores that do not have beacons.

It is also an object of the present invention to save the cost of installing beacons for check-in for stores that do not have beacons installed.

Payment system according to an embodiment of the present invention for achieving the above object is provided in each of a plurality of preset locations of the store, a plurality of beacons for transmitting the identification information of the beacon, the service place name and the location information of the beacon, respectively; Upon visiting the store, one or more signals including identification information of the beacons, a service place name, and location information of the beacons transmitted from at least one of the beacons of the plurality of beacons are received, and are stored in the store based on the received strength of the received one or more signals. Checks the location information of the user device in, transmits the identification information of the beacon and the identified location of the user device and the identification information of the user device, obtains PDR (Pedestrian Dead Reckoning) information according to a preset movement or motion detection. A user device for transmitting the obtained PDR information; A plurality of photographing apparatuses respectively installed at a plurality of preset different locations of a store, for acquiring image information in real time, and transmitting the acquired image information and unique identification information of the photographing apparatus; And recognizing the object in the image information transmitted from the image capturing apparatus, comparing the positional information of the object recognized in the image information with the positional information and the PDR information in the space of the user device. It may include a service providing device for matching the user of the user device.

As an example related to the present invention, the user device may convert the received signal strength of the received signal into a distance using a preset signal propagation modeling, and determine the location information of the user device from the location information of the beacon based on the converted distance. have.

As an example related to the present invention, the user device identifies a signal having the largest received signal strength among one or more received signals, and uses the location information of the beacon as the location information of the user device, which transmits the signal having the largest received signal strength. Can be set.

As an example related to the present invention, the service providing device may match the matched object with user information related to the user device.

As an example related to the present invention, the service providing apparatus may perform a tracking function on an object corresponding to the user of the user apparatus within a plurality of additional image information provided through the plurality of photographing apparatuses in real time.

As an example related to the present invention, the service providing device may include location information of an object corresponding to a user of a user device checked in real time, purchase history information of the user device, pre-stored moving line information of the user device, and a space of the user device previously stored. Based on the product information of the neighboring time according to each time, at least one of the one or more coupons and the recommended shopping path may be provided to the user device.

The control method of the payment system according to an embodiment of the present invention comprises the steps of transmitting the identification information of the beacon, the service place name and the location information of the beacon through a plurality of beacons respectively installed in a plurality of preset locations of the store; Receiving, via the user device, at least one signal including identification information of a beacon, a service place name, and location information of the beacon transmitted from at least one of the beacons of the plurality of beacons; Identifying, via the user device, location information of the user device in the store based on the received strength of the received one or more signals; Transmitting, via the user device, identification information of the beacon, the identified location of the user device, and identification information of the user device; Obtaining, through the user device, PDR information according to a preset movement or motion detection, and transmitting the obtained PDR information and identification information of the user device; Transmitting image information acquired in real time and unique identification information of the photographing apparatus through a plurality of photographing apparatuses respectively installed at a plurality of preset different locations of the store; Recognizing an object in the image information transmitted from the photographing apparatus through the service providing apparatus; And comparing the location information of the object recognized in the image information with the location information of the object and the PDR information of the user device through the service providing device to match the user of the user device with the object recognized in the image information. It may include a step.

As an example related to the present invention, one or more advertisement information, one or more benefit information transmitted from the service providing device in response to the identification information of the transmitted beacon, the location of the identified user device, and the identification information of the user device through the user device; Displaying a recommendation card list; Transmitting, via the user device, a payment card type selected according to a user input, a PIN number corresponding to the payment card type, and identification information of the user device; And managing the payment card type transmitted from the user device, a PIN number corresponding to the payment card type, and identification information of the user device through a service providing device, and maintaining a check-in state for simple payment. Can be.

As an example related to the present invention, matching a matched object with user information related to a user device through a service providing device; Performing a tracking function on an object corresponding to the user of the user device in the plurality of additional image information provided through the plurality of photographing devices in real time through the service providing device; Through the service providing device, the location information of the object corresponding to the user of the user device checked in real time, the purchase history information of the user device, the pre-stored moving route information of the user device, and the time spent for each space of the user device stored in advance Providing at least one piece of information of at least one coupon and a recommended shopping path to the user device based on the surrounding product information; Displaying, via the user device, at least one information of at least one coupon and a recommended shopping route transmitted from the service providing device; Performing a payment function by interworking a service providing device, a POS terminal, and a payment server with respect to at least one of one or more goods and services to be selected by a user of the user device at a specific corner through the user device; And displaying a result of performing a payment function according to a payment function performed from the service providing device through the user device.

In addition, the offline payment processing apparatus according to the present invention for achieving the above object comprises a first authentication unit for performing the first authentication for the offline purchase corresponding to the offline store entered by the user; An authentication level adjusting unit for adjusting an authentication level of secondary authentication dependent on the first authentication based on walking state information corresponding to the mobile terminal of the user; And a second authentication unit that performs the second authentication corresponding to the authentication level.

In this case, the authentication level adjusting unit may detect that an abnormal state has occurred in the user when the walking state variable corresponding to the walking state information corresponds to at least one abnormal state operation and improve the authentication level.

In this case, the at least one abnormal state operation may correspond to an operation satisfying at least one abnormal state condition set based on the offline store.

In this case, the walking state information may be obtained by activating the walking state measurement function of the mobile terminal when the check-in information corresponding to the offline store is obtained and at least one of when the first authentication is completed. .

In this case, the walking state variable may include a step frequency, a step size, and a heading.

In this case, the authentication level adjusting unit may improve the authentication level by using at least one of a method of adding an element considered in the second authentication and a method of releasing and re-authenticating the first authentication.

In this case, the mobile terminal may include at least one of an acceleration sensor, a geomagnetic sensor, and a gyro sensor.

At this time, the offline payment processing device may further include an offline payment unit for performing an offline payment in the offline store based on the result of the second authentication.

In addition, the mobile terminal according to the present invention includes a check-in information collecting unit for obtaining check-in information corresponding to the offline store entered by the user; A primary authentication performing unit performing primary authentication for offline purchases corresponding to the offline store; A walking status information providing unit configured to measure walking status of the user based on a walking status measurement function, to generate walking status information, and to transmit the walking status information to the server; And a payment performing unit configured to perform second authentication in correspondence with the authentication level set based on the walking state information, and receive a result of offline payment corresponding to the offline store.

In addition, the offline payment processing method according to the present invention comprises the steps of performing the first authentication for the offline purchase corresponding to the offline store entered by the user; Adjusting an authentication level of secondary authentication dependent on the first authentication based on walking state information corresponding to the mobile terminal of the user; And performing the second authentication corresponding to the authentication level.

In this case, the adjusting may detect that an abnormal state has occurred in the user when the walking state variable corresponding to the walking state information corresponds to at least one abnormal state operation and improve the authentication level.

In this case, the adjusting may increase the authentication level by using at least one of a method for adding an element considered in the second authentication and a method for releasing and re-authenticating the first authentication.

In this case, the offline payment processing method may further include performing offline payment in the offline store based on the result of the second authentication.

In addition, the offline payment processing apparatus according to the present invention for achieving the above object comprises a first authentication unit for performing the first authentication for the offline purchase corresponding to the offline store entered by the user; And determining whether the mobile terminal enters a preset payment area based on walking state information corresponding to the mobile terminal of the user, and when the mobile terminal enters the preset payment area, the first authentication is performed. It includes a secondary authentication unit that performs dependent secondary authentication.

In this case, when the walking state variable corresponding to the walking state information corresponds to the entry operation of the predetermined payment area, the second authentication unit determines that the mobile terminal has entered the predetermined payment area and performs the second authentication. Can be performed.

In this case, the walking state variable may include a store-specific variable defined in correspondence with the structure installed inside the offline store to detect entry into the predetermined payment area.

At this time, the second authentication unit is at least one of the case that the mobile terminal has exceeded a preset timeout time after entering the preset payment area and if the walking state variable corresponds to the departure operation to leave the predetermined payment area. When one occurs, it is determined that the mobile terminal is out of the preset payment area, and when the mobile terminal leaves the preset payment area before the second authentication is completed, the second authentication is stopped. can do.

In addition, the mobile terminal according to the present invention includes a check-in information collecting unit for obtaining check-in information corresponding to the offline store entered by the user; A primary authentication performing unit performing primary authentication for offline purchases corresponding to the offline store; A walking status information providing unit configured to measure walking status of the user based on a walking status measurement function, to generate walking status information, and to transmit the walking status information to the server; And a payment performing unit for receiving a result of the offline payment corresponding to the offline store.

In addition, the offline payment processing method according to the present invention comprises the steps of performing the first authentication for the offline purchase corresponding to the offline store entered by the user; And determining whether the mobile terminal enters a preset payment area based on walking state information corresponding to the mobile terminal of the user, and when the mobile terminal enters the preset payment area, the first authentication is performed. Performing dependent secondary authentication.

In this case, the performing of the second authentication may determine that the mobile terminal has entered the predetermined payment area when the walking state variable corresponding to the walking state information corresponds to the entry operation of the predetermined payment area. The second authentication may be performed.

In this case, the step of performing the second authentication corresponds to the case where the mobile terminal enters the preset payment area and exceeds a preset timeout time and the departure operation in which the walking state variable leaves the preset payment area. The mobile terminal is determined to be out of the predetermined payment area when at least one of the cases occurs, and the second authentication is performed when the mobile terminal leaves the predetermined payment area before the second authentication is completed. You can stop the process.

In addition, the offline payment processing apparatus according to the present invention for achieving the above object is a check-in information acquisition unit for obtaining check-in information corresponding to the offline store entered by the user; And a checkout performing unit for checking out the mobile terminal from the offline store based on the check-in information and the walking state information corresponding to the mobile terminal of the user.

In this case, the checkout execution unit may perform the checkout by determining whether the walking state variable corresponding to the walking state information corresponds to the checkout operation of the offline store corresponding to the check-in information.

In this case, the walking state information may be obtained by activating the walking state measurement function of the mobile terminal after obtaining the check-in information.

In this case, the walking state variable may include a store-specific variable defined corresponding to the structure installed at the exit of the offline store.

In this case, the offline payment processing apparatus may further include an offline payment unit that performs offline payment based on the first authentication for offline purchase corresponding to the offline store and the second authentication dependent on the first authentication.

In this case, the checkout execution unit checks the at least one of when the offline payment is completed, when a preset timeout time is exceeded after acquiring the check-in information, and when the mobile terminal is checked in at another offline store. Can be done out.

In addition, the mobile terminal according to the present invention includes a check-in information collecting unit for obtaining check-in information corresponding to the offline store entered by the user; A walking state information generation unit for generating walking state information by measuring a walking state of the user based on a walking state measuring function; A walking state information providing unit for transmitting the walking state information to a server; And a payment performing unit for transmitting the authentication information corresponding to the user authentication to the server to perform the offline payment corresponding to the offline store, and receives the result of the offline payment.

In addition, the offline payment processing method according to the present invention comprises the steps of obtaining the check-in information corresponding to the offline store entered by the user; And checking out the mobile terminal from the offline store based on the obtained check-in information and walking state information corresponding to the mobile terminal of the user.

In this case, the checking out may be performed by determining whether the walking state variable corresponding to the walking state information corresponds to the checkout operation of the offline store corresponding to the check-in information.

In this case, the offline payment processing method may further include performing an offline payment based on the first authentication for offline purchase corresponding to the offline store and the second authentication dependent on the first authentication.

In this case, the step of checking out may be performed when the offline payment is completed, when at least one of a preset timeout time has been exceeded since acquiring the check-in information and when the mobile terminal is checked in at another offline store. Check out can be performed.

In addition, the offline payment processing apparatus according to the present invention for achieving the above object comprises a primary check-in information acquisition unit for obtaining at least one primary check-in information corresponding to the mobile terminal of the user; A second check-in information obtaining unit obtaining second check-in information based on walking state information corresponding to the mobile terminal; And an offline store detector for detecting an offline store entered by the user using the first check-in information and the second check-in information.

At this time, the offline store detector extracts a plurality of candidate offline stores based on the first check-in information, and detects an offline store entered by the user among the candidate offline stores based on the walking state information. have.

In this case, the first check-in information is check-in information based on beacons, the second check-in information is check-in information based on a walking state variable, and the second check-in information is activated after generation of the first check-in information. It may be generated based on the walking state measurement function of the mobile terminal.

In this case, the walking state variable may include a store-specific variable defined corresponding to the structure installed in the offline store.

In this case, the offline store detector may extract at least one of at least one offline store having received a beacon signal to the mobile terminal and at least one offline store located within a predetermined distance from the at least one offline store as the plurality of candidate offline stores. Can be.

In this case, the mobile terminal may include at least one sensor of an acceleration sensor, a geomagnetic sensor, and a gyro sensor to measure the walking state variable.

In this case, the offline payment processing apparatus may further include an offline payment unit that performs offline payment for offline purchase corresponding to the offline store.

In addition, the mobile terminal according to the present invention comprises a first check-in information collecting unit for collecting the first check-in information for the offline store based on the beacon (beacon); A second check-in information collecting unit which collects second check-in information based on a walking state variable by measuring walking state information; A check-in information providing unit for transmitting the first check-in information and the second check-in information to a server; And a payment performing unit for transmitting the authentication information corresponding to the user authentication to the server to perform the offline payment corresponding to the offline store entered by the user, and receives the result of the offline payment.

In addition, the offline payment processing method according to the present invention comprises the steps of obtaining at least one primary check-in information corresponding to the mobile terminal of the user; Obtaining second check-in information based on walking state information corresponding to the mobile terminal; And detecting the offline store where the user entered by using the first check-in information and the second check-in information.

In this case, the detecting may include extracting a plurality of candidate offline stores based on the first check-in information, and detecting an offline store entered by the user among the plurality of candidate offline stores based on the walking state information. have.

In this case, the detecting of the offline store may include at least one of the at least one offline store having received a beacon signal and the at least one offline store located within a predetermined distance from the at least one offline store. Can be extracted with

In this case, the offline payment processing method may further include performing offline payment for offline purchase corresponding to the offline store.

In addition, as another means for solving the problem of the present invention, there is provided a computer program stored in the medium for executing the above-described method.

According to the present invention, the service providing device PDR such as the location information of the user device entering the store based on the signal strength transmitted from the plurality of beacons transmitted from the user device, the speed, the direction according to the movement of the user device, etc. The object corresponding to the user of the user apparatus in the image information based on the information and the image information transmitted from the plurality of photographing apparatuses provided in the store, and the user information corresponding to the identification information of the user apparatus corresponding to the information. By matching with an object and providing a tracking function of the object according to the movement of the user of the corresponding user device, an object in the image can be easily tracked while clearly distinguishing the user from the image information.

In addition, the present invention by the user's tracking function according to the image analysis in the store, the moving line according to the user's movement in the store, the identification of the surrounding products according to the stay time, the product purchase history by the user's payment information, etc. By providing a coupon, a shopping path recommendation function, etc. to the user device based on the identified information, and efficiently provide a variety of services according to the user's movement in the store, and improve the user's convenience The user's satisfaction can be increased.

In addition, the present invention can effectively prevent abnormal payments that may occur during offline payment by improving the authentication level for offline payment by accurately detecting the abnormal state after the user is checked in to the offline store.

In addition, the present invention can prevent the risk of fraudulent payment that may occur in the purchase process after the first authentication is completed by performing the second authentication dependent on the first authentication.

In addition, the present invention can reduce the cost caused by the installation of the detection device by varying the authentication level by measuring the walking state of the mobile terminal even in an offline store where a separate detection device for secondary authentication is not installed.

In addition, the present invention can provide convenience of offline payment by performing the second authentication only by the user entering the payment area near the POS during offline payment using the mobile terminal.

In addition, the present invention can accurately detect the entry into the payment area based on the walking state of the user during the second authentication can improve the accuracy and security of the second authentication for offline payment.

In addition, the present invention can provide a more accurate checkout technology through the walking state information of the user in the offline payment technology using a mobile terminal.

In addition, the present invention may enable accurate checkout of a mobile terminal of a user even in an offline store in which a beacon is not installed.

In addition, the present invention can exclude the possibility of a false payment that can occur in the offline payment by using a mobile terminal by performing an accurate checkout of the offline store.

In addition, in the offline payment technology using a mobile terminal, the present invention can more accurately and effectively identify a shop visited by a user by overcoming an overlapping area and an unstable recognition, which are beacon-based check-in limits, based on two-step check-in.

In addition, the present invention can be made possible to check-in for a store that is not installed beacon (beacon).

In addition, the present invention may allow a store without beacons to be installed to save the cost of installing beacons for check-in.

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

2 is a block diagram illustrating a configuration of a user device according to an exemplary embodiment of the present invention.

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

4 is a block diagram showing the configuration of a user device according to another embodiment of the present invention.

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

7 to 8 illustrate screens of a user device according to an exemplary embodiment of the present invention.

9 is a block diagram illustrating an offline payment system using an application pay.

10 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.

11 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

12 to 16 illustrate a process of making a payment through an offline payment processing apparatus according to an embodiment of the present invention.

17 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the server side.

18 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from a terminal side.

19 is a flowchart illustrating an offline payment processing method in detail in terms of a server according to an embodiment of the present invention.

20 is a block diagram illustrating an offline payment system using an application pay.

21 is a block diagram illustrating an offline payment processing apparatus according to an embodiment of the present invention.

22 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

23 to 27 are diagrams showing a process of making a payment through an offline payment processing apparatus according to an embodiment of the present invention.

28 is a diagram illustrating a second authentication process according to an embodiment of the present invention.

29 is a diagram illustrating a walking state measurement process for secondary authentication according to an embodiment of the present invention.

30 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the server side.

31 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the terminal side.

32 is a flowchart illustrating an offline payment processing method in detail in terms of a server according to an embodiment of the present invention.

33 is a block diagram illustrating an offline payment system using an application pay.

34 is a block diagram illustrating an offline payment processing apparatus according to an embodiment of the present invention.

35 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

36 to 40 are diagrams showing a process of making a payment through an offline payment processing apparatus according to an embodiment of the present invention.

41 is a diagram illustrating a process of measuring walking state information according to an embodiment of the present invention.

42 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the server side.

43 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the terminal side.

44 is a flowchart illustrating an offline payment processing method in detail in terms of a server according to an embodiment of the present invention.

45 is a block diagram illustrating an offline payment system using an application pay.

46 is a block diagram illustrating an offline payment processing apparatus according to an embodiment of the present invention.

47 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

48 to 53 are views illustrating a process of making a payment through an offline payment processing apparatus according to an embodiment of the present invention.

54 is a diagram illustrating an example of obtaining primary check-in information according to the present invention.

55 is a diagram illustrating an example of a walking state variable according to the present invention.

56 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the server side.

57 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the terminal side.

58 is a flowchart illustrating an offline payment processing method in detail in terms of a server according to an embodiment of the present invention.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. Here, the repeated description, well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention, and detailed description of the configuration will be omitted. Embodiments of the present invention are provided to more completely describe the present invention to those skilled in the art. Accordingly, the shape and size of elements in the drawings may be exaggerated for clarity.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

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

As shown in FIG. 1, the payment system 10 includes a user device 100, a beacon 200, a service providing device 300, a POS terminal 400, and a payment server 500. Not all components of the payment system 10 shown in FIG. 1 are required components, and the payment system 10 may be implemented by more components than those shown in FIG. 1, and fewer components. 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, telematics. Terminals, Navigation Terminals, Personal Computers, Notebook Computers, Slate PCs, Tablet PCs, Ultrabooks, Wearable Devices (e.g., Watch Types) Smartwatch, Glass Glass, HMD (Head Mounted Display, etc.), Wibro Terminal, IPTV (Internet Protocol Television) Terminal, Smart TV, Digital Broadcasting Terminal, Television, 3D The present invention can be applied to various terminals such as a television, a home theater system, an audio video navigation (AVN) terminal, an audio / video (A / V) system, a flexible terminal, and the like.

As shown in FIG. 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 voice output unit 140, and a user device control unit 150. It is composed of Not all components of the user device 100 shown in FIG. 2 are essential components, and the user device 100 may be implemented by more components than those shown in FIG. 2, and fewer components. The user device 100 may also be implemented.

The user device communication unit 110 communicates with any component inside or any at least one terminal outside via a wired / wireless communication network. In this case, any external terminal may include the beacon 200, the service providing device 300, the POS terminal 400, and the payment server 500. Here, the wireless Internet technologies include a wireless LAN (WLAN), a digital living network alliance (DLNA), a wireless broadband (Wibro), a WiMAX (World Interoperability for Microwave Access: Wimax), and an HSDPA (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), etc. The user device communication unit 110 transmits and receives data according to at least one wireless Internet technology in a range including the Internet technologies not listed above. In addition, near field communication technologies include Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and Near Field Communication (NFC). Ultrasound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct, and the like may be included. In addition, the wired communication technology may include power line communication (PLC), USB communication, Ethernet, serial communication, serial communication, optical / coaxial cable, and the like.

In addition, the user device communication unit 110 may mutually transmit information with any terminal via a universal serial bus (USB).

In addition, the user device communication unit 110 may be a technical standard or a communication method (for example, Global System for Mobile communication (GSM), Code Division Multi Access (CDMA), Code Division Multi Access 2000 (CDMA2000), Enhanced Voice-Data Optimized or Enhanced Voice-Data Only (EV-DO), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE- On the mobile communication network established according to A (Long Term Evolution-Advanced), a base station, a beacon 200, a service providing device 300, a POS terminal 400, a payment server 500 and the like transmit and receive wireless signals.

In addition, the user device communication unit 110 under the control of the user device control unit 150, identification information of the beacon 200 transmitted from the beacon 200 (or unique identification information of the store equipped with the beacon 200). ).

The user device storage unit 120 stores various user interfaces (UIs), graphical user interfaces (GUIs), and the like.

In addition, the user device storage unit 120 stores data and programs required for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (applications or applications), data for operating the user device 100, and instructions that are driven in the user device 100. At least some of these applications may be downloaded from an external service providing apparatus through wireless communication. In addition, at least some of these application programs may exist on the user device 100 from the time of shipment for basic functions of the user device 100 (for example, call forwarding, call forwarding, message reception, and call forwarding). Meanwhile, the application program may be stored in the user device storage unit 120 and installed in the user device 100 to be driven by the user device controller 150 to perform an operation (or function) of the user device 100. have.

In addition, 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 (eg, SD or XD memory, etc.), magnetic memory, magnetic disks, optical disks, random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM) It may include at least one storage medium of PROM (Programmable Read-Only Memory). In addition, the user device 100 may operate a web storage that performs a storage function of the user device storage 120 on the Internet, or may operate in connection with the web storage.

In addition, the user device storage unit 120 may control the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device control unit 150 (or the store of the store in which the beacon 200 is provided). Unique identification information).

The user device display unit 130 may display various contents such as various menu screens using a user interface and / or a graphic 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 icons, list menus, combo boxes, and the like. In addition, the user device display unit 130 may be a touch screen.

In addition, the user device display unit 130 may include a liquid crystal display (LCD), a thin film transistor liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display. The display device 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.

The stereoscopic display unit may be a three-dimensional display method such as a stereoscopic method (glasses method), an auto stereoscopic method (glasses-free method), a projection method (holographic method).

In addition, the user device display unit 130 may be unique to a store provided with identification information (or corresponding beacon 200) 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 voice output unit 140 outputs voice information included in a signal signaled by the user device controller 150. Here, the user device voice output unit 140 may include a receiver, a speaker, a buzzer, and the like.

In addition, the user device voice output unit 140 outputs the guide voice generated by the user device control unit 150.

In addition, the user device voice output unit 140 stores the identification information of the corresponding beacon 200 (or the corresponding beacon 200) received through the user device communication unit 110 under the control of the user device controller 150. Voice information corresponding to the " unique identification information "

The user device controller 150 executes an overall control function of the user device 100.

In addition, the user device controller 150 executes an overall control function of the user device 100 by using a program and data stored in the user device storage 120. The user device controller 150 may include a RAM, a ROM, a CPU, a GPU, a bus, and the RAM, the ROM, the CPU, the GPU, and the like may be connected to each other through a bus. The CPU may access the user device storage unit 120 to perform booting using an operating system stored in the user device storage unit 120, and may store various programs, contents, and data stored in the user device storage unit 120. Various operations can be performed by using such a method.

In addition, the user device controller 150 performs a member registration procedure for the user of the user device 100 by interworking with the service providing device 300.

In addition, when performing the membership registration procedure, the user device controller 150 needs to complete an authentication function through a user authentication means (for example, a mobile phone, a credit card, an i-pin, an email, etc.) and a member for the service providing device 300. You can complete the registration process normally.

In addition, when the user having the user device 100 enters the store, the user device control unit 150 is provided with the unique identification information (or the beacon 200) of the beacon 200 transmitted from the beacon 200. Control the user device communication unit 110 to receive the unique identification information of the store.

In addition, the user device controller 150 may receive the unique identification information of the received beacon 200 (or the unique identification information of the store in which the beacon 200 is provided), the identification information of the user device 100, and the like. It transmits to the service providing device 300 through 110. The identification information of the user device 100 may include a mobile directory number (MDN), a mobile IP, a mobile MAC, a subscriber identity module (SIM) card unique information, a serial number, and the like.

In addition, when the user of the user device control unit 150 is not a member registered in advance in the service providing device 300, the user device control unit 150 may provide guide information related to membership registration provided from the service providing device 300. On the basis of this, the user registration procedure for the user device 100 (or the user of the user device 100) is performed.

In addition, when the user of the user device control unit 150 is a member registered in advance in the service providing device 300, the user device control unit 150 is unique identification information of the transmitted beacon 200 (or the beacon 200) The at least one advertisement information transmitted from the service providing device 300, at least one benefit information, and a recommendation card list in response to the unique identification information of the provided store), the identification information of the user device 100, and the like. To receive). Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like. In addition, the recommendation card list includes one or more cards to which the corresponding benefit information is applicable among a plurality of cards (or one or more cards) previously issued to the corresponding user device 100.

In addition, the user device controller 150 outputs the received one or more advertisement information, benefit information, recommendation card list, etc. through the user device display unit 130 and / or the user device voice output unit 140.

In addition, the user device controller 150 checks one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) in a specific app pre-installed in the corresponding user device 100. do.

In addition, the user device controller 150 may check the payment card selected from the list of recommendation cards transmitted from the service providing device 300.

In addition, the user device controller 150 may apply one or more cards to which the benefit information is applicable among a 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. The recommendation card list may be generated, and the generated recommendation card list may be displayed on the user device display unit 130. In addition, one payment card selected from the list of recommended cards displayed on the user device display unit 130 may be checked.

In addition, the user device controller 150 receives a personal identification number according to a user input through a specific app pre-installed in the corresponding user device 100. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

In addition, the user device controller 150 may provide the service payment device 300 with the confirmed payment card type (or unique identification information of the payment card), PIN number, identification information of the user device 100, and the like through the user device communication unit 110. To be sent).

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

In addition, the user device controller 150 generates a barcode (or Quick Response code) including the received token (or token information) and 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 120.

In addition, when a payment method is selected in a preset manner through a specific app pre-installed in the user device 100, the user device controller 150 may determine barcode information (or QR code) corresponding to the barcode (or QR code) generated previously. Information) is transmitted to the POS terminal 400 through 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. In this case, the payment method may include cash payment, card payment, electronic payment, and the like, and the preset method may be electronic payment.

As such, when the user device 100 and the POS terminal 400 are connected through a wired / wireless communication method, barcode information (or QR code information) may be transmitted from the user device 100 to the POS terminal 400.

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired / wireless communication method, a user of the user device 100 is preset through a specific app pre-installed in the user device 100. When the payment method is selected, a barcode (or QR code) displayed on the user device display unit 130 may be recognized (or scanned / tagged) by the POS terminal 400.

In addition, after the payment function is performed on one or more goods to be selected by the user of the corresponding user device 100 based on the barcode information (or QR code information) previously transmitted, the user device controller 150 is previously transmitted. In response to the bar code information (or QR code information), the payment function performance result transmitted from the POS terminal 400 (or the service providing apparatus 300) is received through the user device communication unit 110.

In addition, the user device controller 150 outputs the result of the received payment function 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 external devices connected to the corresponding 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 equipped with an identification module, an audio I / O ( Input / Output) port, video I / O (Input / Output) port, earphone port, and the like. Here, the identification module is a chip that stores various information for authenticating the use authority of the user device 100, and includes a user identity module (UIM), a subscriber identity module (SIM), and universal user authentication. And a module (Universal Subscriber Identity Module (USIM)). In addition, the device equipped with the identification module may be manufactured in the form of a smart card. Accordingly, the identification module may be connected to the user device 100 through a port. Such an interface unit receives data from an external device or receives power to transfer the data to each component inside the user device 100 or transmit data within the user device 100 to an external device.

In addition, when the user device 100 is connected to an external cradle, the interface unit may be a passage through which power from the cradle is supplied to the user device 100, or various command signals input from the cradle by the user may be used. It may be a passage that is delivered to (100). Various command signals or corresponding power input from the cradle may be operated as signals for recognizing that the user device 100 is correctly mounted on the cradle.

Also, the user device 100 may include an input unit for receiving a command or control signal generated by an operation such as receiving a signal according to a button operation or an arbitrary function selection by a user, or touching / scrolling a displayed screen ( It may also include a).

The input unit is a means for receiving at least one of a user's command, selection, data, and information, and may include a plurality of input keys and function keys for receiving numeric or text information and setting various functions.

In addition, the input unit includes a key pad, a dome switch, a touch pad (static pressure / capacitance), a touch screen, a jog wheel, a jog switch, a jog shuttle, and a mouse. Various devices such as a stylus pen, a touch pen, and the like may be used. In particular, when the user device display unit 130 is formed in the form of a touch screen, some or all of the input functions may be performed through the user device display unit 130.

In addition, each component (or module) of the user device 100 may be software stored on a memory (or user device storage 120) of the user device 100. The memory may be an internal memory of the user device 100, and may be an external memory or another type of storage device. The memory may also be a nonvolatile memory. Software stored on the memory may include a set of instructions that, when executed, cause the user device 100 to perform a particular operation.

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

In addition, the beacon 200 receives the store information associated with the store equipped with the corresponding beacon 200 transmitted from the POS terminal 400, the unique identification information of the store provided with the beacon 200, and the like.

In addition, the beacon 200 broadcasts (or transmits) store information, identification information of the beacon 200 (or unique identification information of a store provided with the beacon 200), and the like.

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

In addition, the service providing apparatus 300 may include a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device included in the user device 100. Each of the control unit 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown).

In addition, the service providing device 300 performs a member registration procedure for the user of the user device 100 by interworking with the user device 100.

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

In addition, the service providing device 300 is a member registered in advance (or subscribed to) by the user corresponding to the user device 100 on the service providing device 300 based on the received identification information of the corresponding user device 100. Determine (or confirm) whether or not.

As a result of the determination (or confirming result), when the user corresponding to the user device 100 is not a member registered in advance in the service providing device 300, the service providing device 300 may provide guide information related to membership in the user device. To 100.

In addition, the service providing device 300 performs a membership registration procedure for the corresponding user device 100 (or a user of the user device 100) by interworking with the user device 100.

In addition, in the determination result (or confirmation result), when the user corresponding to the user device 100 is a member registered in advance in the service providing device 300, the service providing device 300 may receive the corresponding beacon 200 previously received. One or more advertisements that can be provided to the user device 100 in a store equipped with the beacon 200 among a plurality of advertisement information and a plurality of benefit information previously stored based on the unique identification information of the user device and the identification information of the user device 100. Check information, one or more benefits.

In addition, the service providing device 300 includes a recommendation including one or more recommendation cards capable of applying (or reflecting) the benefit information among a plurality of cards issued to the user device 100 based on the confirmed one or more benefit information. 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 device 300 may include a recommendation card list including one or more advertisement information, one or more benefit information, and one or more recommendation cards that can be provided to the user device 100 in a store equipped with the identified beacon 200. And the like to the user device 100.

That is, when a user corresponding to the user device 100 is a member registered in advance in the service providing device 300, the service providing device 300 may store the beacons among the store information for each unique identification information of the plurality of beacons stored in advance. The store information corresponding to the unique identification information of 200 is checked. In addition, the service providing device 300 checks at least one advertisement information, benefit information, etc. that can be provided to the user device 100 in the corresponding store on the basis of the confirmed store information and the identification information of the received user device 100. . In addition, the service providing device 300 generates a recommendation card list including one or more cards applicable to the benefit information among a plurality of cards (or one or more cards) previously issued to the corresponding user device 100. In addition, the service providing device 300 transmits the confirmed one or more advertisement information, one or more benefit information, the generated recommendation card list, and the like to the user device 100.

In addition, the service providing device 300 receives a payment card type, a PIN number, identification information of the user device 100, and the like transmitted from the user device 100.

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

In addition, the service providing device 300 manages (or stores) the generated token in association with a payment card type, a PIN number, and identification information of the user device 100.

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

In addition, the service providing device 300 in order to perform an authentication function for the user before performing a payment function for the corresponding product in relation to one or more products to be selected by the user of the user device 100, the payment server 500 Receive barcode information (or QR code information).

In addition, the service providing apparatus 300 checks whether the token in the corresponding barcode information (or QR code information) is valid based on the token in the received barcode information (or QR code information) and the identification information of the user device 100. do.

That is, the service providing device 300 may be configured to identify the tokens 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 device for each of the plurality of tokens stored in advance (or previously issued). Check whether the corresponding token and identification information of the user device are included (or present).

As such, the device for providing a service 300 may verify the validity of the issued token.

As a result of the check, the token and the user corresponding to the identification information of the user device 100 and the token in the received barcode information (or QR code information) in the identification information of the user device for each of the plurality of tokens previously stored in the service providing device 300. If the identification information of the device is not included, that is, the token in the received barcode information (or QR code information) is not valid, the service providing device 300 transmits authentication failure information to the payment server 500.

In addition, as a result of the check, the tokens corresponding to the tokens 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 device for each of the plurality of tokens previously stored in the service providing device 300. And when identification information of the user device is included, that is, when the token in the received barcode information (or QR code information) is valid, the service providing device 300 may determine the user device (in the received barcode information (or QR code information)). Card information, user information, and benefit information corresponding to the identification information of 100 are transmitted to the payment server 500. In this case, the service providing device 300 is a PIN managed in conjunction with a payment card type (or PIN and a corresponding payment card type / token confirmed based on a token generated corresponding to the payment card type previously associated with a valid token). Card information, user information, benefit information, etc.) corresponding to the number, payment card type, and corresponding payment card type identified based on identification information of the user device) may be transmitted to the payment server 500. Here, the card information includes a card number, an expiration date, a card verification code (CVC) number, a user name, and the like. In addition, 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, as a result of the check, when the token in the received barcode information (or QR code information) is valid, the service providing device 300 corresponds to the identification information of the user device 100 in the received barcode information (or QR code information). With respect to the user (or the user device 100) to check the card information, user information, benefit information, and the like stored in advance in the service providing device 300, and to check the card information, user information, benefit information, etc. Send to server 500. In this case, the service providing device 300 checks card information, user information, benefit information, etc. corresponding to the payment card type transmitted from the user device 100, and pays the confirmed card information, user information, benefit information, and the like. It may also transmit to the server 500.

In addition, the service providing apparatus 300 receives a result of performing a payment function (or payment information) transmitted from the payment server 500.

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

In addition, the service providing device 300 may transmit the result of performing the payment function to the user device 100 corresponding to the identification information of the corresponding user device 100.

In addition, the service providing apparatus 300 may be implemented in the form of a web server, a database server, a proxy server. In addition, the service providing apparatus 300 may be provided with a network load balancing mechanism, or one or more of 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, and may be a private line, an intranet, or any other network. In addition, the connection between the service providing device 300 and the user device 100 may be connected to a secure network so that data is not attacked by any hacker or another third party. In addition, the service providing apparatus 300 may include a plurality of database servers, which are implemented in such a way that the database server is separately connected to the service providing apparatus 300 through any type of network connection including a distributed database server architecture. Can be.

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

The point of sales terminal 400 communicates with the user device 100, the beacon 200, the service providing device 300, the payment server 500, and the like.

In addition, the POS terminal 400 includes a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device controller included in the user device 100. Each of the communication units 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown).

In addition, the POS terminal 400 transmits to the beacon 200, store information related to a store provided with the corresponding beacon 200 (or the corresponding POS terminal), unique identification information of the store provided with the beacon 200, and the like. .

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

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

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired / wireless communication method, a user of the user device 100 is preset through a specific app pre-installed in the user device 100. When the payment method is selected, the POS terminal 400 recognizes (or scans / tags) a barcode (or QR code) displayed on the corresponding user device 100.

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

In addition, when the POS terminal 400 recognizes a barcode (or QR code) displayed on the user device 100, the POS terminal 400 confirms the recognized barcode information (or QR code information).

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

In addition, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), barcode information (or QR code information), identification information of the POS terminal 400, and the like to the payment server 500. do.

In addition, the POS terminal 400 receives 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.

In addition, based on the barcode information (or QR code information) transmitted to the payment server 500, immediately before the payment function for one or more goods selected by the user of the corresponding user device 100, the POS terminal 400 makes a payment. Receive user information transmitted from the server 500. Here, the user information includes a user name, date of birth, address, image, and the like related to the user corresponding to the identification information of the corresponding user device 100.

In addition, the POS terminal 400 displays the received user information.

In addition, the user of the POS terminal 400 confirms the image in the user information displayed on the POS terminal 400 and the user of the user device 100 to pay the corresponding product, and then the image in the user information and the corresponding user device ( If the users of 100 match, the POS terminal 400 receives information indicating user matching according to a user input of the POS terminal 400.

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

In addition, when the payment function for one or more goods 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, the POS terminal 400 Receives a payment function performance result (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 performance result (or payment information) ) Includes a product name, a product unique code, a unit price, a quantity, a discount amount, whether a coupon is applied, an amount, a total amount, payment date and time information, a payment card type, and the like.

In addition, the POS terminal 400 transmits the result of performing the payment function to the user device 100.

In addition, the POS terminal 400 may output the result of performing the payment function through printed matters 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.

In addition, the payment server 500 may include a user device communication unit 110, a user device storage unit 120, a user device display unit 130, a user device voice output unit 140, and a user device controller included in the user device 100. Each of the communication units 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown).

In addition, the payment server 500 may include one or more items of payment information (or recognized items of payment information), barcode information (or QR code information) transmitted from the POS terminal 400, identification information of the POS terminal 400, and the like. Receive

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing device 300 to perform an authentication procedure relating to the corresponding user device 100.

In addition, when the token in the barcode information (or QR code information) transmitted to the service providing device 300 is not valid, the payment server 500 transmits the barcode information (or QR code information) to the service providing device 300. In response to 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.

In addition, when the token in the barcode information (or QR code information) transmitted to the service providing apparatus 300 is valid, the payment server 500 responds to the barcode information (or QR code information) transmitted to the service providing apparatus 300. Card information, user information, and benefit information (or card information, user information, and benefit information corresponding to identification information of the user device 100 in the corresponding barcode information (or QR code information)) transmitted from the service providing apparatus 300 And so on.

In addition, the payment server 500 performs a payment function for a payment amount corresponding to one or more items of payment information based on the received card information, user information and benefit information. In this case, the payment server 500 benefits corresponding to the price information of one or more goods to be paid, the benefit information transmitted from the service providing device 300 (or the benefit information applicable to the user of the user device 100) The payment function can be performed for the payment amount applied.

At this time, immediately before performing the payment function, the payment server 500 transmits the user information transmitted from the service providing device 300 to the POS terminal 400.

In addition, when the image of the user information and the user of the user device 100 to pay the corresponding product does not match, the payment server 500 transmits the payment cancellation information for the one or more product information to the POS terminal 400. Alternatively, the payment function may be performed after the additional authentication procedure is performed on the user device 100.

In addition, when the image of the user information and the user of the user device 100 to pay the corresponding product is matched, the payment server 500 from the POS terminal 400 in response to the user information transmitted to the POS terminal 400 Received information indicating the user match transmitted, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 may perform a payment function for a payment amount corresponding to one or more items of payment information on the basis of the received card information, user information, benefit information, and information indicating user matching.

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

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

As shown in FIG. 3, the payment system 10 includes a user device 100, a plurality of beacons 200, a service providing device 300, and a plurality of photographing devices 600. Not all components of the payment system 10 shown in FIG. 3 are required components, and the payment system 10 may be implemented by more components than those shown in FIG. 3, and fewer components. The payment system 10 may also be implemented.

When a user having the user device 100 enters a store, the user device 100 receives a signal transmitted from one or more beacons 200, and the location of the user device 100 based on the received signal strength. Check the information. Thereafter, the user device 100 transmits the unique identification information of the beacon 200, the confirmed location information of the user device 100, the identification information of the user device 100, and the like to the service providing device 300. In addition, the plurality of photographing apparatuses 600 respectively installed at a plurality of preset locations of the store photograph image information corresponding to each position in real time, and transmit the captured image information to the service providing apparatus 300 in real time. In addition, the user device 100 obtains PDR information according to the movement / movement of the user device 100, and transmits the obtained PDR information to the service providing device 300. Thereafter, the service providing apparatus 300 recognizes one or more objects included in the plurality of image information. Subsequently, the service providing apparatus 300, based on the location information and the PDR information of the user device previously transmitted from the user device 100, with respect to the recognized object, the location information on the space of the object in the corresponding image information and the user device 100. ) Compares the location information and the PDR information on the space, and matches (or links) the recognized object with the user of the user device 100 in the image information, and associates the recognized object with the user device 100. Match (or link with) user information. Thereafter, the service providing apparatus 300 tracks the corresponding recognized object in the plurality of image information additionally provided in real time from the plurality of photographing apparatuses 600. In addition, the service providing device 300 provides the user device 100 with at least one coupon, a recommended shopping path, or the like corresponding to the location information of the corresponding object in the image information.

As shown in FIG. 4, the user device 100 includes a user device communication unit 110, a user device sensor unit 160, a user device storage unit 120, a user device display unit 130, and a user device voice output unit ( 140 and the user device controller 150. Not all components of the user device 100 shown in FIG. 4 are essential components, and the user device 100 may be implemented by more components than those shown in FIG. 4, and fewer components. The user device 100 may also be implemented.

When a user having the user device 100 enters a store, the user device communication unit 110 may identify identification information (or corresponding beacons) of the beacon 200 transmitted from one or more (or a plurality of) beacons 200. 200) receives a signal including unique identification information of a store having a), a service place name (or a store name having a corresponding beacon 200), location information of the beacon 200, and the like.

At this time, the user device communication unit 110 is a unique identification information of the corresponding access point, service location name, location information of the access point transmitted from other types of access points (for example, including a Wi-Fi device, BLE device) provided in the store It may be possible to receive a signal including the like.

The user device sensor unit 160 is provided at a predetermined position of the user device 100, and detects a movement of the user device 100 (or a user having the user device 100). ). At this time, the movement of the user device 100 is defined as the same as the movement of the user having the user device 100. Here, the motion recognition sensor may be a sensor for recognizing a motion or a position of an object, a geomagnetism sensor, an acceleration sensor, a gyro sensor, an inertial sensor, an altimeter, vibration Sensors such as sensors, and may further include sensors related to motion recognition.

In addition, at a preset time interval (or when a preset event such as movement / movement of the user device 100 occurs / detects), the user device sensor unit 160 may use the user device 100 (or the user device 100). PED (Pedestrian Dead Reckoning) information is acquired (or measured) according to the movement or movement of the user having the Here, the PDR information includes information such as a moving speed, a direction, and a distance of the corresponding user device 100. In this case, the moving speed, the direction, and the distance of the user device 100 represent the moving speed, the direction, and the distance of the user possessing the user device 100.

The user device controller 150 calculates a distance between the beacon 200 and the user device 100 based on the received signal strength of the signal transmitted from the one or more (or plurality) beacons 200 received.

In addition, the user device controller 150 checks the position of the user device 100 in the corresponding store based on the calculated distance. In this case, the user device controller 150 may check the location of the user device 100 in the store through a method such as triangulation based on a plurality of signals transmitted from the plurality of beacons 200.

In addition, the user device controller 150 may receive a received signal strength of a signal transmitted from one or more beacons 200, a received signal strength of a Wi-Fi signal transmitted from another type of access point, or a BLE transmitted from another type of access point. The received signal strength and the like of the signal are converted into distances using preset signal propagation modeling (for example, a free-space path loss model and a multi-wall model). In addition, the user device controller 150 may set preset location information of the plurality of beacons 200, the access point, or the like (or the location information of the previously received beacon 200, the location information of the access point) based on the converted distance. The position of the user device 100 may be confirmed (or calculated) from the.

In addition, the user device controller 150 may receive a received signal strength of a signal transmitted from one or more beacons 200, a received signal strength of a Wi-Fi signal transmitted from another type of access point, and a BLE transmitted from another type of access point. Check the beacon 200 or the access point having the largest received signal strength among the received signal strengths of the signal, and set (or determine) the position of the identified beacon 200 or the access point as the position of the corresponding user device 100. It may be.

In addition, the user device controller 150 may receive the unique identification information of the received beacon 200 (or the unique identification information of the store provided with the beacon 200), the location information of the identified user device 100, the user device ( The identification information of 100 is transmitted to the service providing apparatus 300 through the user device communication unit 110. Here, the identification information of the user device 100 includes MDN, Mobile IP, Mobile MAC, Sim (Subscriber Identification Module) card unique information, serial number and the like.

In addition, the user device controller 150 is transmitted from the service providing device 300 in response to the unique identification information of the beacon 200, the location information of the user device 100, the identification information of the user device 100, and the like previously transmitted. One or more advertisement information, one or more benefit information, recommendation card list, and the like are received through the user device communication unit 110.

In addition, the user device controller 150 outputs the received one or more advertisement information, one or more benefit information, and a recommendation card list through the user device display 130 and / or the user device voice output unit 140.

In addition, the user device controller 150 may determine a payment card type (or unique identification information of the payment card) according to a user input (or user selection), a PIN number (personal identification number) through a specific app pre-installed in the corresponding user device 100. ) And the like.

That is, the user device controller 150 checks the payment card type selected (or selected) according to a user input (or user selection) among a plurality of cards registered in advance in the corresponding user device 100. In this case, the user device 100 may check the payment card type (or unique identification information of the payment card) for the payment card selected from the list of recommendation cards transmitted from the service providing device 300.

In addition, the user device controller 150 receives a PIN number according to a user input (or user selection) through a specific app pre-installed in the corresponding user device 100. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

In addition, the user device controller 150 may include PDR information and user device (PDR) information acquired through the corresponding user device sensor unit 160 at a predetermined time interval or by occurrence of a preset event such as movement / movement of the user device 100. The identification information of 100 is transmitted to the service providing apparatus 300 through the user device communication unit 110.

In addition, the user device controller 150 may include one or more coupons provided from the service providing device 300 in response to the PDR information, the identification information of the user device 100, and the like, which are acquired through the user device sensor unit 160 previously transmitted. For example, a discount coupon, a free coupon, etc.), a recommended shopping path, and the like are received through the user device communication unit 110.

In addition, the user device controller 150 may display the user device display unit 130 and / or the user device voice output unit 140 to receive one or more coupons (eg, discount coupons, free coupons, etc.), a recommended shopping route, and the like. Output through

With respect to one or more goods and / or services to be selected at the user device 100 (or by the user of the user device 100) at a particular corner, the user device controller 150 may include the service providing device 300 and the POS terminal ( 400 and the simple payment function according to the simple payment function described above by interworking with the payment server 500.

In addition, after the payment function is normally performed, the user device controller 150 receives a result of performing the payment function provided from the service providing device 300 (or the payment server 500) through the user device communication unit 110.

In addition, the beacon 200 is installed in advance in the several place in a store.

In addition, the beacon 200 may be in a state in which location information is set for each of a plurality of places in the store.

In addition, the beacon 200 is the identification information of the beacon 200 (or unique identification information of the store equipped with the beacon 200), the service place name (or the store name provided with the beacon 200), the beacon The location information of 200 is broadcasted (or transmitted).

That is, the beacon 200 broadcasts a signal including store information, identification information of the beacon 200, a service place name, location information of the beacon 200, and the like.

In an embodiment of the present invention, a plurality of beacons 200 provided in (or installed in) stores a signal including identification information of the corresponding beacon 200, a service place name, and location information of the beacon 200. The present invention is not limited thereto, but may be performed through different types of access points (APs) (for example, Wi-Fi devices, BLE devices, etc.) installed at (or provided in) a plurality of locations within the store. May broadcast (or transmit) a signal including unique identification information of a corresponding access point, a service place name, and location information of the access point.

In addition, the service providing device 300 is unique identification information of the beacon 200 transmitted from the user device 100 (or unique identification information of the store equipped with the beacon 200), location information of the user device 100 , Identification information of the user device 100, and the like.

In addition, the service providing apparatus 300 includes the beacon 200 among a plurality of pre-stored advertisement information and a plurality of benefit information based on the received unique identification information of the beacon 200 and the identification information of the user device 100. Check the at least one advertisement information, at least one benefit information, etc. that can be provided to the user device 100 in the store.

That is, the service providing apparatus 300 checks the store information corresponding to the unique identification information of the beacon 200 among previously stored store information for each unique identification information of the beacons. In addition, the service providing device 300 checks at least one advertisement information, benefit information, etc. that can be provided to the user device 100 in the corresponding store on the basis of the confirmed store information and the identification information of the received user device 100. . In addition, the service providing device 300 generates a recommendation card list including one or more cards applicable to the benefit information among a plurality of cards (or one or more cards) previously issued to the corresponding user device 100. In addition, the service providing device 300 transmits the confirmed one or more advertisement information, one or more benefit information, the generated recommendation card list, and the like to the user device 100.

In addition, the service providing device 300 receives a payment card type (or unique identification information of the payment card), a PIN number, identification information of the user device 100, and the like transmitted from the user device 100.

In addition, the service providing apparatus 300 manages (or stores) the received payment card type (or unique identification information of the payment card), a PIN number, and identification information of the user device 100 in association with each other.

In addition, the service providing apparatus 300 maintains a standby state (or check-in state) for simple payment.

In addition, the service providing device 300 receives PDR information transmitted from the user device 100, identification information of the user device 100, and the like.

In addition, the service providing apparatus 300 receives a plurality of image information transmitted from the plurality of photographing apparatuses 600, unique identification information of the plurality of photographing apparatuses 600, and the like.

In addition, the service providing apparatus 300 recognizes (or identifies) one or more (or a plurality of) objects included in the received image information.

In addition, the service providing apparatus 300 is based on the location information and the PDR information of the user device 100 previously received in the space information of the object recognized in the image information and the location information in the space of the user device 100 And compare the PDR information to match the object recognized in the image information with the user (or the user device 100) of the user device 100.

That is, the service providing device 300 may map the location of the user device 100 to the corresponding store in real time based on map matching (for example, PDR information collected by the user device 100 and location information of the user device 100). A method of obtaining a location in a store of the user device 100 compared to a map of the user, and confirms (or matches) an object recognized in the image information and the user of the user device 100.

In addition, the service providing device 300 matches (or interlocks) the matched object with user information related to the corresponding user device 100. Here, the user information includes a user name, date of birth, address, image, and the like.

In addition, the service providing apparatus 300 tracks (or tracks) a corresponding object corresponding to the user of the corresponding user device 100 within the plurality of additional image information provided through the plurality of photographing apparatuses 600 in real time. In this case, the device for providing a service 300 may set an identifier for the corresponding object related to the user of the matched using device 100 and manage it through the identifier of the corresponding object.

That is, the service providing apparatus 300 may track (or tracking) a corresponding object corresponding to the user of the user device 100 within the plurality of additional image information provided through the plurality of photographing apparatuses 600 in real time. ).

In addition, the service providing apparatus 300 provides the user device 100 even when the object being tracked disappears in the plurality of image information and then re-enters the image information again or is distributed after clustering the plurality of objects in the image information. The location information of the user device 100 may be used to determine the location of the object corresponding to the user device 100 among the objects in the image information through the location information, the PDR information, etc., thereby enabling clear and continuous object tracking.

In addition, the service providing device 300 is the location information of the object corresponding to the user of the user device 100, which is confirmed in real time, the purchase history information of the user device 100, the pre-stored of the user device 100 One or more coupons (including discount coupons, free coupons, etc.), based on the in-store traffic information and the information on the surrounding products according to the time stored in the space (or corner) of the corresponding user device 100 in advance. The recommended shopping route and the like are transmitted to the user device 100.

With respect to one or more goods and / or services to be selected by the user device 100 at a particular corner, the service providing device 300 is linked with the user device 100, the POS terminal 400, and the payment server 500. Perform the simple payment function according to the simple payment function described above.

In addition, after the payment function is normally performed, the service providing device 300 provides a result of performing the payment function to the user device 100. Here, the result of performing the payment function (or payment information) is a product name (or service name), a product unique code (or service unique code), unit price, quantity, discount amount, coupon application, amount, actual payment amount (or total payment amount) ), Payment date and time information, payment card type, and the like.

The photographing apparatus 600 communicates with the user apparatus 100, the service providing apparatus 300, and the like.

In addition, the photographing apparatus 600 may be formed (or positioned / installed / arranged) in plurality in a plurality of preset locations in the store.

In addition, the plurality of photographing apparatuses 600 respectively acquire (or photograph) image information in real time at a plurality of places in a store.

In addition, the plurality of photographing apparatuses 600 transmits a plurality of image information acquired in real time (or photographed), unique identification information of the plurality of photographing apparatuses 600, and the like to the service providing apparatus 300 in real time.

In this way, the location information of the user device entering the store on the basis of the signal strength transmitted from the plurality of beacons transmitted from the user device in the service providing device, PDR information such as the speed, direction according to the movement of the user device and Checks an object corresponding to the user of the corresponding user device in the image information based on the image information transmitted from the plurality of photographing apparatuses provided in the store, and compares the user information corresponding to the identification information of the corresponding user device with the corresponding object. Matching and providing a tracking function of the object in accordance with the movement of the user of the user device.

In addition, the user's tracking function according to the image analysis in the store as described above, the movement according to the user's movement in the store, the identification of the surrounding products according to the time spent, the product purchase history by the user's payment information, etc. And provide a coupon providing function and a shopping route recommendation function to the corresponding user device based on the identified information.

Hereinafter, a method of controlling a payment system according to the present invention will be described in detail with reference to FIGS. 1 to 8.

First, when a user having the user device 100 enters a store, the user device 100 may identify identification information (or corresponding beacon) of the corresponding beacon 200 transmitted from one or more (or a plurality of) beacons 200. Receive a signal including the unique identification information of the store 200 is provided, the service place name (or the store name provided with the beacon 200), the location information of the beacon 200 and the like.

For example, when a user having the first user device 100 enters store A, the first user device is broadcasted (or transmitted) from the first to third beacons 200 provided at store A. The first to third signals including identification information of the beacon 200, service location names, and individual location information of the first to third beacons are received.

In this case, the user device 100 may include unique identification information, service location name, location information of the access point, and the like, transmitted from another type of access point (for example, a Wi-Fi device or a BLE device) provided in the corresponding store. It may also receive a signal comprising a (S510).

Thereafter, the user device 100 calculates a distance between the beacon 200 and the user device 100 based on the received signal strength of the signal transmitted from the one or more (or plurality) beacons 200 received.

In addition, the user device 100 checks the position of the user device 100 in the corresponding store based on the calculated distance. In this case, the user device 100 may check the position of the user device 100 in the store through a method such as triangulation based on a plurality of signals transmitted from the plurality of beacons 200.

In addition, the user device 100 may receive a received signal strength of a signal transmitted from one or more beacons 200, a received signal strength of a Wi-Fi signal transmitted from another type of access point, or a BLE signal transmitted from another type of access point. The received signal strength of the signal is converted into a distance using a predetermined signal propagation modeling (including a free-space path loss model, a multi-wall model, etc.) Based on the distance, the position of the user device 100 may be identified from preset position information (or position information of the beacon 200 and position information of the access point previously received) such as the plurality of beacons 200 and the access point ( Or calculation).

In addition, the user device 100 may receive a received signal strength of a signal transmitted from one or more beacons 200, a received signal strength of a Wi-Fi signal transmitted from another type of access point, and a BLE signal transmitted from another type of access point. The beacon 200 or the access point having the largest received signal strength among the received signal strengths may be identified, and the location of the identified beacon 200 or the access point may be set (or determined) as the location of the corresponding user device 100. have.

For example, the first user device converts the first received signal strength to the third received signal strength corresponding to the received first to third signals, respectively, into distance using preset signal propagation modeling, and converts the converted distance. Based on the preset position information of the first to third beacons, the current position of the first user device (for example, a position entered 1 meter north from the entrance of the store A) is checked based on the predetermined position information (S520).

Thereafter, the user device 100 may receive the unique identification information of the received beacon 200 (or the unique identification information of the store in which the beacon 200 is provided), the location information of the identified user device 100, and the user device 100. Identification information, etc.) is transmitted to the service providing apparatus 300. Here, the identification information of the user device 100 includes MDN, Mobile IP, Mobile MAC, Sim (Subscriber Identification Module) card unique information, serial number and the like.

For example, the first user device may be configured to notify (or notify) the service providing device 300 that the first user device has entered the store, and may uniquely identify the previously received beacon 200 and the first user device. The current location (for example, the location entered 1 meter north from the entrance of the store A), the identification information of the first user device, and the like are transmitted to the service providing device 300 (S530).

Subsequently, the service providing device 300 may include unique identification information of the beacon 200 transmitted from the user device 100 (or unique identification information of a store equipped with the beacon 200) and location information of the user device 100. , Identification information of the user device 100, and the like.

For example, the service providing apparatus 300 checks the clothing store information corresponding to the unique identification information of the beacon 200 among previously stored store information for each unique identification information of the beacons. In addition, the service providing apparatus 300 may include first to third advertisement information and first to second advertisement information that may be provided to the first user device in the corresponding clothing store based on the identified clothing store information and the identification information of the first user device. Check the offer information (including discount coupon information, membership offer information, etc.). In addition, the service providing apparatus 300 includes a recommendation card list including an AA payment card, a BB payment card, and a CC payment card, to which the first to second benefit information is applicable, among a plurality of cards issued to the first user device. Create In addition, the service providing apparatus 300 may include the first to third advertisement information, first to second benefit information (for example, discount coupon information, membership benefit information, etc.), AA payment card, BB payment card, and CC. The recommendation card list including the payment card is transmitted to the first user device in operation S540.

Thereafter, the user device 100 is transmitted from the service providing device 300 in response to the unique identification information of the beacon 200, the location information of the user device 100, the identification information of the user device 100, and the like previously transmitted. Receive more than the advertisement information, one or more benefit information, recommendation card list and the like.

In addition, the user device 100 displays the received one or more advertisement information, one or more benefit information, a recommendation card list, and the like.

For example, as shown in FIG. 7, the first user device may include first to third advertisement information 710 transmitted from the service providing device 300 and first to second benefits that may be provided at the corresponding clothing store. Information (eg, discount coupon information, membership benefit information, etc.) 720 and a recommendation card list (eg, AA payment card, BB payment card, and CC payment card) 730 are displayed (S550).

Thereafter, the user device 100 uses a specific app pre-installed on the user device 100 to determine a payment card type (or unique identification information of the payment card) and PIN number (personal identification number) according to a user input (or user selection). And so on.

That is, the user device 100 checks the payment card type selected (or selected) according to a user input (or user selection) among a plurality of cards registered in advance in the user device 100. In this case, the user device 100 may check the payment card type (or unique identification information of the payment card) for the payment card selected from the list of recommendation cards transmitted from the service providing device 300.

In addition, the user device 100 receives a PIN number according to a user input (or user selection) through a specific app pre-installed in the user device 100. Here, the PIN number may be a PIN number corresponding to the identified payment card type.

In addition, the user device 100 transmits the confirmed payment card type (or unique identification information of the payment card), a PIN number, identification information of the user device 100, and the like to the service providing device 300.

For example, the first user device identifies an AA payment card selected from a plurality of payment cards registered (or issued) in the electronic wallet app pre-installed on the first user device. In addition, the first user device receives a first PIN number (eg, 123456) according to a user input through the corresponding electronic wallet app. In addition, the first user device transmits the confirmed AA payment card (or AA payment card type), the received first PIN number, identification information of the first user device, and the like to the service providing device 300.

As another example, the first user device identifies one CC payment card selected from the list of recommendation cards displayed on the user device 100. In addition, the first user device receives a second PIN number (eg, 987654) according to a user input through the corresponding electronic wallet app. In addition, the first user device transmits the confirmed CC payment card (or CC payment card type), the received second PIN number, identification information of the first user device, and the like to the service providing device 300 (S560).

Thereafter, the service providing device 300 receives a payment card type (or unique identification information of the payment card), a PIN number, identification information of the user device 100, and the like transmitted from the user device 100.

For example, the service providing device 300 receives an AA payment card (or AA payment card type), a first PIN number, identification information of the first user device, etc. transmitted from the first user device, and waits for simple payment. The state (or check-in state) is maintained (S570).

Thereafter, the user device 100 may carry the user device 100 (or the user device 100) at predetermined time intervals (or when a preset event such as movement / movement of the user device 100 occurs). PDR information according to the movement or movement of the user) is obtained (or measured). Here, the PDR information includes information such as a moving speed, a direction, and a distance of the corresponding user device 100.

In addition, the user device 100 transmits the obtained PDR information, identification information of the user device 100, and the like to the service providing device 300.

For example, the first user device obtains first PDR information (for example, 10m per minute of movement speed, north, 5m) according to the movement of the first user device, and obtains the obtained first PDR information of the first user device. The identification information and the like are transmitted to the service providing apparatus 300 (S580).

In addition, the plurality of photographing apparatuses 600 transmits the obtained (or photographed) plurality of image information, unique identification information of the plurality of photographing apparatuses 600, and the like to the service providing apparatus 300, respectively.

For example, the first photographing apparatus 600 to the tenth photographing apparatus 600 respectively installed at a plurality of places of a store photograph the first image information to the tenth image information in real time, and the photographed first image information to The tenth image information and the unique identification information of the first to tenth imaging apparatuses are transmitted to the service providing apparatus 300, respectively (S590).

Thereafter, the service providing device 300 receives PDR information transmitted from the user device 100, identification information of the user device 100, and the like.

For example, the service providing device 300 obtains first PDR information (for example, 10m per minute of movement speed, north, 5m) transmitted from the first user device, and obtains the obtained first PDR information and the first user device. Receive identification information and the like. In addition, the service providing apparatus 300 receives first image information through tenth image information, unique identification information of the first image capture device to tenth image pickup device, and the like, respectively transmitted from the first image capture device to the tenth image capture device. In operation S600, the service providing apparatus 300 recognizes one or more objects included in the first to tenth image information.

Subsequently, the service providing apparatus 300 based on the location information and the PDR information of the user device 100 received previously, the location information on the space of the object recognized in the corresponding image information and the location information on the space of the user device 100. And compare the PDR information to match the object recognized in the image information with the user (or the user device 100) of the user device 100.

For example, the service providing apparatus 300 may include spatial location information of the seventh object recognized in the seventh image information among the first image information to the tenth image information, and the current location of the first user device previously received (for example, A location entered 1 meter north from the entrance of the store A and the first PDR information (for example, 10 meters per minute of travel speed, 5 meters north), and the 7th object recognized within the 7th image information It is confirmed that the user of the first user device, and matching the seventh object and the user of the first user device (S610).

Thereafter, the service providing apparatus 300 matches (or interlocks) the matched object with user information related to the corresponding user apparatus 100. Here, the user information includes a user name, date of birth, address, image, and the like.

For example, the service providing apparatus 300 may include a matching seventh object and first user information related to the corresponding first user apparatus (for example, Hong Gil-dong, OO May OO 2000, 12345 Yeoksam-dong, Gangnam-gu, Seoul, first image, etc.). Including) (S620).

Subsequently, the service providing apparatus 300 tracks (or tracks) a corresponding object corresponding to the user of the user device 100 within the plurality of additional image information provided through the plurality of photographing apparatuses 600 in real time. In this case, the device for providing a service 300 may set an identifier for the corresponding object related to the user of the matched using device 100 and manage it through the identifier of the corresponding object.

For example, the service providing apparatus 300 may provide a service to a user of a corresponding first user device within a plurality of eleventh image information to twentieth image information additionally provided in real time through the first to tenth photographing apparatus in real time. The corresponding seventh object is tracked (S630).

Subsequently, the service providing apparatus 300 may determine location information of the corresponding object corresponding to the user of the corresponding user device 100, purchase history information of the corresponding user device 100, and pre-stored corresponding user device 100. One or more coupons (including discount coupons, free coupons, etc.), based on the in-store traffic information and the information on the surrounding products according to the time stored in the space (or corner) of the corresponding user device 100 in advance. The recommended shopping route and the like are transmitted to the user device 100.

For example, the service providing device 300 may be configured to provide location information of a seventh object in a store corresponding to a user of a first user device, purchase history information of a first user device, and a previous visit of a corresponding store A in real time. The first user device based on the copper information in the store A of the first user device prestored according to the information, and the surrounding goods information according to the time per corner of the first user device prestored according to the previous visit of the store A, etc. Thirty-one discount coupon available at the currently located ABCD corner, thirty-two discount coupon available at the BCDE corner that is expected (or estimated) in the future direction of the user of the first user device, and a first recommendation route (e.g., at the current location And a recommendation path in the ABCE corner direction) to the first user device (S640).

Thereafter, the user device 100 receives one or more coupons (eg, discount coupons, free coupons, etc.), a recommended shopping path, and the like transmitted from the service providing device 300.

In addition, the user device 100 displays one or more received coupons (including discount coupons, free coupons, etc.), recommended shopping paths, and the like.

For example, as shown in FIG. 8, the first user device is a thirty-first discount coupon 810 that can be used at the ABCD corner according to the current location in store A, and the user of the first user device is expected to proceed later. (Or the estimated) the 32nd discount coupon 820 available at the BCDE corner, the first recommendation path (for example, the recommendation path from the current location to the ABCE corner direction) 830 and the like are displayed (S650).

Subsequently, the user device 100 is interlocked with the service providing device 300, the POS terminal 400, and the payment server 500 with respect to one or more goods and / or services to be selected by the user device 100 at a specific corner. By performing the simple payment function according to the simple payment function described above.

In addition, the service providing apparatus 300 provides the user device 100 with a result of performing a payment function. Here, the result of performing the payment function (or payment information) is a product name (or service name), a product unique code (or service unique code), unit price, quantity, discount amount, coupon application, amount, actual payment amount (or total payment amount) ), Payment date and time information, payment card type, and the like.

In addition, the user device 100 receives a result of performing a payment function provided from the service providing device 300 (or the payment server 500) according to the simple payment function, and displays the result of the received payment function.

For example, for the twenty-first product selected at the first user device at the ABCD corner, the user device 100 applies the thirty-first discount coupon available at the corresponding ABCD corner to the twenty-first product to apply the 31st discount coupon. The simple payment function is performed by interworking with the service providing apparatus 300, the POS terminal 400, and the payment server 500 with respect to the amount of money. In addition, the first user device displays a result of performing a payment function provided from the service providing device 300 in operation S660.

9, a payment system using an application pay according to an embodiment of the present invention includes an application server 1110, a terminal 1120, a POS device 1130, a BLE server 1140, and a BLE device 1150. Include.

The payment system according to an embodiment of the present invention may correspond to a system for performing payment using an application pay based on an application installed in a mobile terminal of a user when purchasing a product at an offline store.

The application server 1110 may be a server that provides an application 1111 for performing payment with information related to payment to the user terminal 1120 and performs a procedure related to payment. In this case, the application server 1110 may transmit and receive data through a network.

In this case, the application server 1110 may be an offline payment processing apparatus according to an embodiment of the present invention. In addition, the application server 1110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a path for transferring data between the application server 1110 and the terminal 1120, and is a concept encompassing both an existing network and a future developable network. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In FIG. 9, the network used between the application server 1110 and the terminal 1120 is different from the network used between the application server 1110 and the POS device 1130 and the BLE server 1140 and the terminal 1120. May be the same or may be the same.

The terminal 1120 receives information corresponding to product payment from the application server 1110 using an application and provides the same to a user.

In this case, the terminal 1120 is a device that is connected to a communication network to execute an application, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 1120 may receive various information such as numbers and text information, and may set various functions and transmit a signal input in connection with the function control of the terminal 1120 to the controller through the input unit. In addition, the input unit of the terminal 1120 may include at least one of a keypad and a touch pad for generating an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 1120 is configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 1120 to simultaneously perform input and display functions. In addition, in addition to input devices such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 1120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 1120 according to the present invention may transmit an input signal for selecting a card or performing a payment based on an optimal card recommendation system to the controller of the terminal 1120.

In addition, the display unit of the terminal 1120 may display information about a series of operation states and operation results generated while the function of the terminal 1120 is performed. In addition, the display unit of the terminal 1120 may display a menu of the terminal 1120 and user data input by the user. The display unit of the terminal 1120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 1120 is configured in the form of a touch screen, the display unit of the terminal 1120 may perform some or all of the functions of the input unit of the terminal 1120. In particular, the display unit of the terminal 1120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.

In addition, the storage unit of the terminal 1120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 1120. The storage unit of the terminal 1120 may largely include a program area and a data area. In this case, when the terminal 1120 activates each function in response to a user's request, the terminal 1120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 1120 according to the present invention may store an operating system for booting the terminal 1120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 1120 may store a content DB storing a plurality of contents and information of the terminal 1120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 1120 may include terminal specification information.

In addition, the communication unit of the terminal 1120 may perform a function for transmitting and receiving data with the application server 1110 through a network. The communication unit of the terminal 1120 may include RF transmission means for upconverting and amplifying a frequency of a transmitted signal, and RF reception means for low noise amplifying and downconverting a received signal. The communication unit of the terminal 1120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 1120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 1110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 1110. That is, the terminal 1120 accesses a network using a wireless communication module or a wired communication module, and transmits and receives data to and from the application server 1110 through the network. In particular, in the network according to the present invention, the terminal 1120, the application server 1110, and the BLE server 1140 may communicate with each other to transmit and receive data necessary for recommending an optimal card based on an optimal card recommendation system.

In addition, the controller of the terminal 1120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 1110. When accessing the application server 1110 through a separate service application, it is possible to control the overall process of running the service application according to the user's request, and at the same time the service use request to the application server 1110 It may be controlled to be transmitted, and in this case, the information of the terminal 1120 required for user authentication may be transmitted together.

In addition, the controller of the terminal 1120 may execute specific content stored in the storage unit of the terminal 1120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the user terminal 1120 is installed with an application for the application pay service, and may correspond to the terminal 1120 of the user subscribed to the application pay service.

In addition, the terminal 1120 of the user may include an acceleration sensor, a geomagnetic sensor, a gyro sensor, or the like for measuring a walking state of the user according to an embodiment of the present invention. That is, the walking state information may be generated by measuring the walking state of the user having the terminal 1120 based on various sensors provided in the terminal 1120.

The POS device 1130 is a device for performing a payment of goods at the store 1160 and may correspond to a device capable of performing an application pay service based on communication with the application server 1110.

The BLE server 1140 may be a server for identifying a location of the terminal 1120 and providing information by using a Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even if the user of the terminal 1120 does not take any action, the user may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor positioning, automatic check-in, and geo-fencing based on proximity measurement. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 1150 illustrated in FIG. 9 may correspond to a beacon.

Such beacons may be divided into sound-based low frequency beacons, LED beacons, Wi-Fi beacons, and Bluetooth beacons according to a method of transmitting a signal. In addition, the beacon can transmit a periodic signal in a small amount of packets of approximately 21 bytes, does not need to be paired with the receiving target, and operates at low power, but the ID value and the received signal strength of the beacon transmitter up to 50 meters It is possible to transmit a signal corresponding to. In addition, since the price is small and can be easily attached anywhere, it can be used anywhere even in an offline store.

For example, by installing a beacon at a specific place within the store 1160, when a user and a customer having the terminal 1120 enter the area of the BLE beacon, the terminal 1120 may be detected to transmit a signal including information. .

The store 1160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store in which an application pay agent and a BLE device 1150 are installed.

The following describes the service flow of the payment system of FIG. 9 according to an embodiment of the present invention.

First, a user may enter a store 1160 with a terminal 1120.

At this time, for the first check-in, the user may detect that the user enters the store 1160 using a beacon, which is a BLE-based short-range data communication technology.

That is, according to the present invention, the BLE signal transmitted from the BLE device 1150, which is a beacon located in the store 1160, may be received by the Bluetooth-enabled terminal 1120 using the BLE SDK 1141. At this time, the BLE signal may be received through the application 1111 installed based on the BLE SDK 1141. Thereafter, when the terminal 1120 transmits information included in the BLE signal to the BLE server 1140, the BLE server 1140 may provide the terminal 1120 with information related to BLE benefits corresponding to the BLE signal. .

In addition, the terminal 1120 may detect the store 1160 that the terminal 1120 has entered by receiving the mobile beacon signal from the mobile beacon moving inside the store 1160.

Thereafter, the terminal 1120 may receive the BLE benefit information corresponding to the store 1160, and the application server 1110 may perform offline payment corresponding to the store 1160 based on the BLE benefit information. I can connect it.

In this case, the application server 1110 may include at least one module for performing payment.

For example, the application server 1110 may include a membership providing module that may provide membership information based on user information of the terminal 1120 and store information corresponding to the store 1160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server 1110 may include an application pay payment module for performing a payment through an application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 1160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

In this case, the application pay payment module may include an optimal card recommendation device for recommending an optimal card in consideration of discount benefits, store benefits, and accumulation among credit cards possessed by a user based on credit card information. For example, the best card according to the discount rate or the accumulation rate may be recommended by combining the benefit information provided through the membership card and the benefit information provided through the membership card when the target performance of the previous month was achieved for each type of credit card. In addition, the optimal card recommendation device may be configured independently of the application pay payment module.

For another example, the application server 1110, through the membership providing module, along with the membership information, coupons or gift icons for the user can use in the store 1160, event information and marketing information in progress in the store 1160, etc. It may include a store information providing module that can provide. For example, the store information providing module searches for a gift icon or a coupon that the user can use in the store 1160 and provides the application server 1110 to the application server 1110, so that the user can display the gift icon through the application installed on the terminal 1120. You can use the coupon. In addition, the store information providing module provides the application server 1110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. In operation 1160, information about an ongoing event and marketing may be provided to the user terminal 1120.

Thereafter, a user accessing the application server 1110 through the terminal 1120 may perform pre-authentication in an application pay service to purchase a product in the store 1160. For example, the user may enter a step for pre-authentication by receiving a purchase-related push message through the BLE device 1150 and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 1110 or corresponding to the application server 1110 receives the corresponding first authentication information of the first authentication performed by the terminal 1120 to determine whether to authenticate. You can judge.

Thereafter, based on the walking state variable generated by measuring the walking state of the terminal 1120, an abnormal state of the user having the terminal 1120 may be detected to adjust the authentication level of the second authentication for offline payment.

For example, after the first authentication, the user may naturally measure the walking state of the user while moving to the store 1160 with the terminal 1120. In this case, it may be determined whether the operation corresponding to the measured walking state is an abnormal state operation satisfying at least one abnormal state condition set based on the store 1160. If an operation corresponding to the walking state is detected as an abnormal state operation, the authentication level corresponding to the second authentication may be improved.

Thereafter, secondary authentication may be performed according to an authentication level adjusted according to the walking state.

In this case, the second authentication may be authentication dependent on the first authentication, and the second authentication may be performed while the first authentication is valid.

In this case, the second authentication is a method in which the user enters the payment zone with the terminal 1120, a method of inputting a movement gesture pattern using the terminal 1120 within the payment zone, and a sign pad included in the POS device 1130. The touch pattern may be performed using various methods, such as a method of inputting a touch pattern into the touch pad, a method of generating an intersection point on a sign pad, and a question and answer method.

Thereafter, when the second authentication is completed, the application server 1110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the terminal 1120 or the POS device 1130 of the user.

By using the payment system using the two-step check-in application pay, it is possible to more accurately grasp which store the user visited.

In addition, it is possible for a user to pay a product using an optimal card more safely and conveniently simply by performing the first authentication in the store 1160 and performing a simple second authentication.

Referring to FIG. 10, an offline payment processing apparatus according to an embodiment of the present invention includes a communication unit 1210, a check-in information obtaining unit 1220, a first authentication unit 1230, a walking state information obtaining unit 1240, and an authentication unit. The level adjusting unit 1250, the second authentication unit 1260, the offline payment unit 1270, and the storage unit 1280 are included.

The communication unit 1210 transmits and receives information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, the communication unit 1210 according to an embodiment of the present invention may receive check-in information and walking state information from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing.

In this case, information for performing offline payment processing may be received from a separate application server or a POS installed in a store.

The check-in information obtaining unit 1220 obtains check-in information corresponding to the offline store entered by the user.

In this case, the check-in information may be check-in information based on a beacon.

In this case, the check-in information may be obtained by using a Bluetooth low energy (BLE) technology or a technology such as Wi-Fi and GPS. For example, a device such as a BLE beacon may be installed at the entrance of a store, and when a user's mobile terminal enters the area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store.

At this time, the mobile terminal receiving the signal may obtain information of the store included in the signal through the application, and transmit the corresponding information to the offline payment processing apparatus according to the check-in information to perform check-in.

The first authentication unit 1230 performs first authentication for the offline purchase corresponding to the offline store entered by the user.

In this case, when the offline payment processing apparatus transmits authentication information for first authentication to the mobile terminal, the mobile terminal may perform first authentication by inputting information based on the authentication information. That is, the first authentication may be completed when the information input from the mobile terminal is information corresponding to the first authentication.

In this case, the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.

At this time, the primary authentication may correspond to entering a PIN number in the mobile terminal. That is, the first authentication may be performed at the mobile terminal. For example, when the PIN is input to perform the first authentication in the mobile terminal, the first authentication may be completed by recognizing the PIN number input to the mobile terminal as the first authentication information and transmitting it to the offline payment processing device. .

In addition, the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.

At this time, the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication may be stopped. In other words, primary authentication may correspond to authentication involving spatial or temporal release conditions.

At this time, the first authentication timeout time corresponding to the time when the first authentication is valid may be set as one of the release conditions of the first authentication. That is, after performing the first authentication, if the preset first authentication timeout time is exceeded, the first authentication may be automatically released.

At this time, the first authentication timeout time may be set differently according to the type of store. For example, in a store such as a supermarket, the first authentication timeout time may be set from 30 minutes to 1 hour to suit the shopping time. In addition, at a store such as a restaurant, the first authentication timeout time may be set from 2 to 3 hours to suit a meal time.

At this time, when the first authentication is released due to the first authentication timeout time being exceeded, payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.

In addition, the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more. For example, if the mobile terminal is located by using a short range wireless communication device installed at various entrances of the store and inside the store, and the mobile terminal is determined to be out of the store for a certain distance, the first authentication is released. Can be.

The walking state information obtaining unit 1240 obtains walking state information corresponding to the mobile terminal of the user.

In this case, various sensors included in the mobile terminal may be used to measure walking state information corresponding to the mobile terminal.

For example, the movement distance per walking step of the user may utilize a step length, and the direction per walking step may utilize information obtained by integrating the orientation information of the geomagnetic sensor or the angular velocity output of the gyro sensor.

In this case, the mobile terminal may include at least one sensor of an acceleration sensor, a geomagnetic sensor and a gyro sensor. For example, the mobile terminal according to the present invention includes a sensor device such as an accelerometer, a gyro, a geomagnetic machine, a camera, and the like, and a mobile communication module such as CDMA, WCDMA, LTE, WiBro, Femto Cell, or Wi-Fi as a communication module. It may include a short-range communication module, such as RFID, NFC, Bluetooth. In addition, a tablet PC or a laptop computer such as a netbook, an ultrabook, a laptop, or the like, in which a sensor or a communication module is mounted in an internal or external manner, may correspond to a mobile terminal.

In this case, when the check-in information corresponding to the offline store is obtained or when the first authentication is completed, at least one of the corresponding conditions may be obtained by activating the walking state measurement function of the mobile terminal. That is, even when the user does not use the offline payment service using the mobile terminal, if the walking state measurement function of the mobile terminal is continuously activated, power consumption of the mobile terminal may occur. Therefore, when the user checks in to a specific offline store or when primary authentication for offline purchase at a specific offline store is completed, the power of the mobile terminal is activated by activating the walking state measurement function for the second authentication that will occur in the future. You can save.

The authentication level adjusting unit 1250 adjusts the authentication level of the second authentication dependent on the first authentication based on the walking state information.

In this case, when the walking state variable corresponding to the walking state information corresponds to at least one abnormal state operation, the user may detect that an abnormal state has occurred and improve the authentication level.

For example, when the walking state variable of the user generated in the offline store corresponding to the first floor corresponds to an operation of climbing the stairs to the second floor, an abnormal state may be detected and the authentication level may be improved. In addition, after the first authentication is completed, the user detects that an abnormal state occurs even when the user moves beyond the preset time or moves more than the predetermined step with the stride greater than the user's stride. And increase the level of authentication.

For example, at least one abnormal condition may be set based on the number of floors of the offline store, the size of the store, or the structure of the store. If it is assumed that the offline store is a building corresponding to the first floor and the second floor, an abnormal condition may be set when the user located on the first floor descends the stairs.

As another example, an abnormal condition may be set when a user runs for more than 5 minutes in an offline store corresponding to a size of 10 pyeong. That is, it may be difficult to determine the normal behavior of running in an offline store that is not large in size, and it may be possible to set an abnormal condition condition based on the size of the offline store.

In this case, the at least one abnormal state condition may be variously set according to the characteristics of the offline store and the information of the offline store, and may be easily modified by an administrator who manages the offline payment processing system.

In this case, the walking state variable may include a step frequency, a step size, and a heading. That is, the step frequency, the stride length, the direction, etc. may be estimated using the user's mobile terminal, and may be obtained in the form of a walking state variable.

At this time, for example, a walking-horizontal indicating a horizontal walking state, a walking-up-slope indicating a slope-up walking state, a walking-down-slope indicating a slope-down walking state, and a walking indicating stairs-up walking -up-stair, walking-down-stair to indicate stairs down, running-horizontal to indicate horizontal running, running-up-slope to indicate rising slope, running-down-slope to indicate rising slope, etc. May correspond.

In this case, the authentication level may be improved by using at least one of a method of adding an element considered in the second authentication and a method of releasing and re-authenticating the first authentication.

For example, if the authentication method corresponding to the second authentication is to shake and authenticate the user's mobile terminal in accordance with a predetermined shaking pattern at the POS, the second authentication is performed considering the shaking speed as well as the shaking speed of the mobile terminal. The authentication level can be improved.

As another example, if the authentication method corresponding to the second authentication is to input a preset touch pattern into a sign pad linked to the POS, the touch length, swipe direction, and swipe speed together with the touch sequence according to the area of the sign pad. The authentication level may be enhanced to further perform second authentication in consideration of the above.

As another example, the authentication level may be enhanced to release the first authentication that has already been performed so that the first authentication is performed once more during the second authentication.

The secondary authenticator 1260 performs secondary authentication in accordance with the authentication level. That is, when the authentication level is improved based on the walking state information, the second authentication may be performed according to the improved authentication level.

At this time, the method of improving the authentication level may differ according to the authentication method of secondary authentication.

The offline payment unit 1270 performs offline payment in the offline store based on the result of the second authentication. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

At this time, when the offline payment is completed, a payment related message may be provided to the mobile terminal of the user or the POS of the offline store where the offline payment was performed.

For example, when the offline payment is successful, a payment success message including information such as an offline payment store, a payment amount, a payment item, and a balance may be transmitted to the mobile terminal of the user.

For another example, when the offline payment has failed, a payment failure message including a brief reason for the failure of the offline payment may be transmitted to the mobile terminal of the user. At this time, the payment failure message may include a button for retrying the offline payment.

The storage unit 1280 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage unit 1260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. At this time, the storage unit 1260 may operate as a separate mass storage, and may include a control function for performing the operation.

On the other hand, the offline payment processing device is equipped with a memory can store information in the device. In one embodiment, the memory is a computer readable medium. In one implementation, the memory may be a volatile memory unit, and for other implementations, the memory may be a nonvolatile memory unit. In one embodiment, the storage device is a computer readable medium. In various different implementations, the storage device may include, for example, a hard disk device, an optical disk device, or some other mass storage device.

By using such an offline payment processing device, it is possible to effectively detect an abnormal state after the user checks in to an offline store, thereby improving the authentication level for offline payment, thereby effectively preventing fraudulent payments that may occur during offline payment.

In addition, by performing the second authentication dependent on the first authentication, it is possible to prevent the risk of fraud which may occur in the purchase process after the first authentication is completed.

In addition, even in an offline store where a separate sensing device is not installed for the second authentication, the authentication level is changed by measuring the walking state of the mobile terminal, thereby saving the cost caused by the installation of the sensing device.

Referring to FIG. 11, a mobile terminal according to an embodiment of the present invention includes a check-in information collecting unit 1310, a first authentication performing unit 1320, a walking state information providing unit 1330, and a payment performing unit 1340. Include.

The check-in information collecting unit 1310 obtains check-in information corresponding to the offline store entered by the user.

In this case, the check-in information may be collected using BLE (Bluetooth low energy) technology or technology such as Wi-Fi and GPS. For example, when a device such as a beacon is installed at the entrance of the offline store, and the user enters the signal area of the beacon, the user may acquire information of the offline store included in the beacon signal by receiving the beacon signal.

In this case, by obtaining the information of the store corresponding to the beacon signal through the application, the mobile terminal may generate check-in information so that the mobile terminal can check in to the store corresponding to the beacon signal and transmit the information to the server.

The primary certification performing unit 1320 performs the primary certification corresponding to the approval of the offline purchase corresponding to the offline store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

At this time, the first authentication corresponds to the release conditional authentication, and the progress of the second authentication may be stopped when the first authentication is released. In other words, primary authentication may correspond to authentication involving spatial or temporal release conditions.

The walking state information providing unit 1330 generates walking state information by measuring a walking state of a user based on a walking state measuring function, and transmits walking state information to a server.

In this case, the walking state information may include a walking state variable measured based on at least one sensor among an acceleration sensor, a geomagnetic sensor, and a gyro sensor.

At this time, the walking state information may be transmitted to the server based on the application.

The payment performing unit 1340 performs the second authentication in accordance with the authentication level set based on the walking state information, and receives the result of the offline payment corresponding to the offline store.

At this time, when the walking state variable corresponding to the walking state information corresponds to at least one abnormal state operation, it is detected that an abnormal state occurs and the authentication level may be improved.

In this case, when the second authentication is completed and the offline payment is successful, a payment success message including a name of the store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

12 to 16, a user may first enter an offline store with a terminal.

At this time, it is possible to obtain the check-in information for the mobile terminal of the user based on the beacon which is a BLE-based short-range data communication technology.

Thereafter, the mobile terminal can check in to the offline store by providing the check-in information to the server.

Thereafter, the mobile terminal may receive benefits and event information corresponding to the offline store based on the BLE signal corresponding to the offline store.

For example, the product benefit screen 1410 may be output to the user through an application installed in the mobile terminal as shown in FIG. 12.

At this time, the product benefit screen 1410 may include discount information or coupon information corresponding to the offline store entered by the user. In this case, when the mobile terminal is locked, the product benefit screen 1410 may output discount information and coupon information together with a payment button on the lockscreen 1412 of the mobile terminal. In addition, the product benefit screen 1410 may output discount information and coupon information together with a payment button on the BLE Noti 1411 of the mobile terminal.

Thereafter, the mobile terminal can access the application server based on the product benefit screen 1410. For example, when the user selects a body region indicating discount information and coupon information on the product benefit screen 1410 of the mobile terminal, as shown in FIG. 13, the detailed screen 1510 of the store provided by the application server may be output to the terminal. Can be.

In this case, the detailed screen 1510 of the store may include information corresponding to the offline store, detailed discount information, and coupon information. In addition, the payment button may be output through the detailed screen 1510 of the store so that the user may proceed to the offline payment process at the corresponding offline store at any time.

Therefore, the application server may include at least one module for performing offline payment.

For example, the application server may include a membership providing module for providing membership information based on user information corresponding to the mobile terminal and store information corresponding to an offline store entered by the user. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server may include an application pay payment module for performing a payment through the application pay. At this time, the application pay payment module may include credit card information and bank information. That is, when a user purchases an application pay to purchase a product in an offline store, the user may purchase an application pay in real time using a credit card based on credit card information.

In this case, the application pay payment module may recommend an optimal payment card for offline payment in consideration of discount benefits, store benefits, and accumulation among credit cards owned by the user based on the credit card information. For example, the best card according to the discount rate or the accumulation rate may be recommended by combining the benefit information provided through the membership card and the benefit information provided through the membership card when the target performance of the previous month was achieved for each type of credit card.

In another example, the application server, through the membership providing module, the store information that can provide the membership information, along with the benefits information for coupons or gifticons that can be used by the user in the offline store, or events and marketing information in progress in the offline store. It may include a providing module.

In this case, the store information providing module may search for the gift icons or coupons that can be used in the offline store through the application and provide them to the application server, thereby allowing the user to use the gift icons or coupons through the application installed on the mobile terminal. In addition, the store information providing module provides the application server with event information and marketing information corresponding to a plurality of offline stores providing an application pay service, thereby providing information on events and marketing in progress at the offline store visited by the user. It may be provided to the mobile terminal.

Thereafter, the user accessing the application server through the mobile terminal may perform pre-authentication based on the application pay service for offline purchase corresponding to the offline store.

For example, when the user selects the payment button displayed on the detailed screen 1510 or the product benefit screen 1410 of the store, the payment PIN is performed as shown in FIG. 14 to perform the first authentication corresponding to the purchase in the store. The input screen 1610 may be output. That is, based on an application server linked through an application, authentication information for offline payment in a corresponding offline store may be input using a mobile terminal.

In this case, the first authentication may use a method of authenticating a picture image gesture or a method of authenticating a touch gesture in addition to a method of inputting a PIN as shown in FIG. 14.

At this time, the application server may determine the authentication by receiving the authentication information input from the mobile terminal.

Thereafter, when the first authentication of the user is completed, the walking state of the user may be measured through the mobile terminal while the user selects a product to purchase in an offline store.

In this case, the authentication level corresponding to the second authentication may be adjusted by detecting whether the walking state variable corresponding to the walking state information corresponds to at least one abnormal state operation.

For example, if after the first authentication is completed, if the user detects the user moving around the offline store for more than the preset time based on the walking state variable, the abnormal state is detected and the authentication level for the second authentication is improved. You can.

Thereafter, secondary authentication may be performed corresponding to the adjusted authentication level.

At this time, if the authentication level is improved, the second authentication is performed by adding elements considered in the second authentication according to the method of performing the second authentication, or the second authentication is performed after re-authentication by disabling the first authentication. You can also perform authentication. That is, as the authentication level is improved, the authentication procedure can be increased to enhance security.

In this case, when a user submits a product to purchase to the POS, payment information using an application pay may be output on the payment screen 1710 of the POS together with information of the user who has completed authentication.

At this time, the clerk of the offline store confirms that the authentication for the user is completed, the payment is made through the application pay, and the application server can inform the mobile terminal and the POS of the user whether the payment was successfully performed through the application pay. have.

For example, as shown in FIG. 16, if the payment using the application pay is successful, the payment success message 1811 may be transmitted. If the payment using the application pay fails, the payment failure message 1812 may be transmitted.

In this case, the payment success message 1811 may display the name of the paid offline store, a payment method, and a payment amount.

In addition, the payment failure message 1812 may be provided with a payment button to perform the payment again. In this case, when the user clicks the button for making a payment, a screen for making a payment 1813 may be provided to the mobile terminal.

Referring to FIG. 17, the offline payment processing method according to an embodiment of the present invention performs first authentication for offline purchases corresponding to offline stores entered by a user (S1910).

In addition, the offline payment processing method according to an embodiment of the present invention obtains walking state information corresponding to the mobile terminal of the user (S1920).

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the abnormal state of the user is detected based on the walking state information (S1925).

In this case, when the walking state variable corresponding to the walking state information corresponds to at least one abnormal state operation, it may be detected that an abnormal state occurs. For example, it may be detected that an abnormal condition occurs when the walking state variable of the user generated in the offline store corresponding to the first floor building corresponds to an operation of climbing the stairs to the second floor.

As another example, an abnormal condition may be set when a user runs for more than 5 minutes in an offline store corresponding to a size of about 10 pyeong. That is, it may be difficult to determine the normal behavior of running in an offline store that is not large in size, and it may be possible to set an abnormal condition condition based on the size of the offline store.

If the abnormal state of the user is detected as a result of the determination in step S1925, the authentication level of the second authentication dependent on the first authentication is adjusted (S1930).

In addition, the offline payment processing method according to an embodiment of the present invention performs a second authentication in accordance with the authentication level (S1940). That is, when the authentication level is improved based on the walking state information, the second authentication may be performed according to the improved authentication level.

In addition, the offline payment processing method according to an embodiment of the present invention performs the offline payment in the offline store based on the result of the second authentication (S1950). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

In addition, although not shown in Figure 17, the offline payment processing method according to an embodiment of the present invention obtains the check-in information corresponding to the offline store entered by the user.

In addition, although not shown in FIG. 17, the offline payment processing method according to an embodiment of the present invention transmits and receives information required for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, it is possible to receive check-in information and walking state information from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing.

In addition, although not shown in Figure 17, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage module for storing information may be configured independently of the offline payment processing device to support a function for an offline payment processing service. In this case, the storage module may operate as a separate mass storage and may include a control function for performing an operation.

Through this offline payment processing method, it is possible to effectively detect an abnormal state after the user is checked in to the offline store and improve the authentication level for offline payment, thereby effectively preventing fraudulent payments that may occur during offline payment.

Referring to FIG. 18, the offline payment processing method according to an embodiment of the present invention obtains check-in information corresponding to an offline store entered by a user (S2010).

In addition, the offline payment processing method according to an embodiment of the present invention performs the first authentication corresponding to the approval of the offline purchase corresponding to the offline store (S2020). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

In addition, the offline payment processing method according to an embodiment of the present invention measures the walking state of the user based on the walking state measurement function to generate walking state information, and transmits the walking state information to the server (S2030).

At this time, the walking state variable may include a store-specific variable defined corresponding to the structure installed near the POS of the offline store.

In addition, the offline payment processing method according to an embodiment of the present invention performs a second authentication corresponding to the authentication level set based on the walking state information, and receives the result of the offline payment corresponding to the offline store (S2040).

Referring to FIG. 19, in the offline payment processing method according to an embodiment of the present invention, first, check-in information corresponding to an offline store entered by a user is obtained (S2110).

In this case, the check-in information may be obtained by using a Bluetooth low energy (BLE) technology or a technology such as Wi-Fi and GPS.

Thereafter, the authentication information for the first authentication for the offline purchase corresponding to the offline store is transmitted to the mobile terminal (S2120).

At this time, the authentication information according to the authentication method of the primary authentication can be transmitted. For example, if the primary authentication is a PIN input method, authentication information corresponding to a screen for inputting a PIN may be transmitted. In addition, if the first authentication is a method corresponding to fingerprint recognition or iris recognition, authentication information corresponding to a screen for inputting a fingerprint or a screen for recognizing an iris may be transmitted.

Thereafter, the first authentication is performed by receiving an input from the mobile terminal (S2130).

That is, the first authentication may be completed when the information input from the mobile terminal is information corresponding to the first authentication.

Thereafter, the walking state measurement function is activated through the user's mobile terminal to obtain walking state information (S2140).

In this case, the walking state information may correspond to the walking state variable.

In this case, various sensors included in the mobile terminal may be used to measure walking state information corresponding to the mobile terminal. For example, the mobile terminal uses at least one sensor of an acceleration sensor, a geomagnetic sensor, and a gyro sensor to generate a walking state variable including at least one of a step frequency, a step size, and a heading. It can be measured.

Thereafter, it is determined whether the walking state variable measured through the mobile terminal corresponds to at least one abnormal state operation (S2145).

If the gait state variable corresponds to at least one abnormal state operation as a result of the determination in step S2145, the user may detect that an abnormal state has occurred and add an element to be considered in the second authentication according to the second authentication method to adjust the authentication level. Improve (S2150).

In addition, although not shown in FIG. 19, the authentication level may be improved by releasing the first authentication that has already been performed and then performing the second authentication after performing the first authentication again in the second authentication.

Thereafter, secondary authentication is performed according to the authentication level (S2160).

In addition, if the gait state variable does not correspond to at least one abnormal state operation as a result of the determination in step S2145, the second authentication may be performed without improving the authentication level.

Thereafter, when the second authentication is completed, the offline payment is performed (S2170). When the offline payment is completed, the power consumption of the mobile terminal is prevented by deactivating the walking state measurement function of the mobile terminal (S2180).

Referring to FIG. 20, a payment system using an application pay according to an embodiment of the present invention may include an application server 3110, a terminal 3120, a POS device 3130, a BLE server 3140, and a BLE device 3150. Include.

The application server 3110 may be a server that provides an application 3111 for performing payment with the information related to payment to the user's terminal 3120 to perform a procedure related to payment. In this case, the application server 3110 may transmit and receive data through a network.

In this case, the application server 3110 may be an offline payment processing apparatus according to an embodiment of the present invention. In addition, the application server 3110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a path for transferring data between the application server 3110 and the terminal 3120, and is a concept encompassing both an existing network and a future developable network. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In addition, the network used between the application server 3110 and the terminal 3120 in FIG. 20 is different from the network used between the application server 3120 and the POS device 3130 and the BLE server 3140 and the terminal 3120. May be the same or may be the same.

The terminal 3120 receives information corresponding to product payment from the application server 3110 using an application and provides the same to the user.

In this case, the terminal 3120 is a device that is connected to a communication network to execute an application, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 3120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in relation to the function control of the terminal 3120 to the controller through the input unit. In addition, the input unit of the terminal 3120 may include at least one of a keypad and a touch pad generating an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 3120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 3120 to simultaneously perform input and display functions. In addition, in addition to input devices such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 3120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 3120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 3120 based on an optimal card recommendation system.

In addition, the display unit of the terminal 3120 may display information on a series of operation states and operation results generated while the function of the terminal 3120 is performed. In addition, the display unit of the terminal 3120 may display a menu of the terminal 3120 and user data input by the user. The display unit of the terminal 3120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 3120 is configured as a touch screen, the display unit of the terminal 3120 may perform some or all of the functions of the input unit of the terminal 3120. In particular, the display unit of the terminal 3120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.

In addition, the storage unit of the terminal 3120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 3120. The storage unit of the terminal 3120 may largely include a program area and a data area. In this case, when the terminal 3120 activates each function in response to a user's request, the terminal 3120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 3120 according to the present invention may store an operating system for booting the terminal 3120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 3120 may store a content DB storing a plurality of contents and information of the terminal 3120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 3120 may include terminal specification information.

In addition, the communication unit of the terminal 3120 may perform a function for transmitting and receiving data with the application server 3110 through a network. The communication unit of the terminal 3120 may include RF transmitting means for up-converting and amplifying a frequency of a transmitted signal, and RF receiving means for low-noise-amplifying and down-converting a received signal. The communication unit of the terminal 3120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 3120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 3110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 3110. That is, the terminal 3120 accesses a network using a wireless communication module or a wired communication module, and transmits and receives data to and from the application server 3110 through the network. In particular, in the network according to the present invention, the terminal 3120, the application server 3110, and the BLE server 3140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.

In addition, the controller of the terminal 3120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 3110. In the case of accessing the application server 3110 through a separate service application, the entire process of executing the service application may be controlled according to a user's request, and at the same time, a service use request is sent to the application server 3110. It may be controlled to be transmitted, and at this time, the information of the terminal 3120 required for user authentication may be transmitted together.

In addition, the controller of the terminal 3120 may execute specific content stored in the storage of the terminal 3120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the user terminal 3120 is installed with an application for the application pay service, and may correspond to the terminal 3120 of the user subscribed to the application pay service.

In addition, the terminal 3120 of the user may include an acceleration sensor, a geomagnetic sensor, a gyro sensor, or the like for measuring a walking state of the user according to an embodiment of the present invention. That is, the walking state information may be generated by measuring the walking state of the user having the terminal 3120 based on various sensors provided in the terminal 3120.

The POS device 3130 is a device for performing payment of goods in the store 3160, and may correspond to a device capable of performing an application pay service based on communication with the application server 3110.

The BLE server 3140 may be a server for identifying a location of the terminal 3120 and providing information by using a Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even if the user of the terminal 3120 does not take any action, the user may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor positioning, automatic check-in, and geo-fencing based on proximity measurement. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 3150 illustrated in FIG. 20 may correspond to a beacon.

For example, when a user and a customer having the terminal 3120 enter the area of the BLE beacon by installing a beacon at a specific place in the store 3160, the terminal 3120 may detect the corresponding terminal 3120 and transmit a signal including information. .

The store 3160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store where the application pay agent and the BLE device 3150 are installed.

The following describes the service flow of the payment system of FIG. 20 according to an embodiment of the present invention.

First, a user may enter a store 3160 with a terminal 3120.

In this case, for the first check-in, the user may detect that the user enters the store 3160 using a beacon, which is a BLE-based short-range data communication technology.

That is, according to the present invention, the BLE signal transmitted from the BLE device 3150, which is a beacon located in the store 3160, may be received by the Bluetooth-enabled terminal 3120 using the BLE SDK 3141. At this time, the BLE signal may be received through the application 3111 installed based on the BLE SDK 3141. Thereafter, when the terminal 3120 transmits information included in the BLE signal to the BLE server 3140, the BLE server 3140 may provide the terminal 3120 with information related to BLE benefits corresponding to the BLE signal. .

In addition, the terminal 3120 may detect the store 3160 to which the terminal 3120 enters by receiving the mobile beacon signal from the mobile beacon moving inside the store 3160.

Thereafter, the terminal 3120 may receive the BLE benefit information corresponding to the store 3160, and the application server 3110 may perform offline payment corresponding to the store 3160 based on the BLE benefit information. I can connect it.

In this case, the application server 3110 may include at least one module for performing payment.

For example, the application server 3110 may include a membership providing module that may provide membership information based on user information of the terminal 3120 and store information corresponding to the store 3160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server 3110 may include an application pay payment module for performing a payment through an application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 3160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

For another example, the application server 3110, through the membership providing module, the membership information along with the coupons or gift information on the coupons or gifticons that the user can use in the store 3160, the event and marketing information in progress in the store 3160, etc. It may include a store information providing module that can provide. For example, the store information providing module provides the application server 3110 by searching for the gift icon or coupon that the user can use in the store 3160 through the application, so that the user can display the gift icon through the application installed in the terminal 3120. You can use the coupon. In addition, the store information providing module provides the application server 3110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. In operation 3160, information about an ongoing event and marketing may be provided to the user terminal 3120.

Thereafter, a user accessing the application server 3110 through the terminal 3120 may perform pre-authentication in the application pay service to purchase a product in the store 3160. For example, the user may enter a step for pre-authentication by receiving a purchase-related push message through the BLE device 3150 and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 3110 or corresponding to the application server 3110 receives the corresponding first authentication information of the first authentication performed by the terminal 3120 to determine whether to authenticate. You can judge.

Thereafter, the user may enter a preset payment area near the POS device 3130 with a product to be purchased at the store 3160 and perform second authentication for payment.

At this time, the walking state of the terminal 3120 may be determined based on the walking state variable generated by the step 3120 entering the preset payment area.

For example, the user may be installed near the POS device 3130 with the terminal 3120 and pass through a structure for inducing the user's movement while naturally entering the predetermined payment area. That is, the application server 3110 may detect that the user has entered the predetermined payment area by detecting the walking state variable measured while the user naturally performs the entry operation.

In this case, the second authentication is a method of inputting a movement gesture pattern using the terminal 3120 in the payment zone, in addition to the method based on the payment area, and inputting a touch pattern to a sign pad included in the POS device 3130. The method may be performed using a method, a method of generating an intersection point on a sign pad, a question and answer method, and the like.

Thereafter, when the second authentication is completed, the application server 3110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the terminal 3120 or the POS device 3130 of the user.

In addition, it is possible for a user to pay a product using an optimal card more safely and conveniently simply by performing the first authentication in the store 3160 and performing a simple second authentication.

Referring to FIG. 21, an offline payment processing apparatus according to an embodiment of the present invention includes a communication unit 3210, a check-in information obtaining unit 3220, a first authentication unit 3230, and a walking state information obtaining unit 3240. Car authentication unit 3250, offline payment unit 3260 and storage unit 3270.

The communication unit 3210 transmits and receives information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, the communication unit 3210 according to an embodiment of the present invention may receive check-in information and walking state information from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing.

The check-in information obtaining unit 3220 acquires check-in information corresponding to the offline store entered by the user.

The primary authentication unit 3230 performs the primary authentication for the offline purchase corresponding to the offline store entered by the user.

The walking state information obtaining unit 3240 obtains walking state information corresponding to the mobile terminal of the user.

The second authentication unit 3250 determines whether the mobile terminal enters the predetermined payment area based on the walking state information, and when the mobile terminal enters the predetermined payment area, the second authentication dependent on the first authentication Do this. That is, the second authentication may be performed by detecting that the user having the mobile terminal enters the payment area using the walking state information.

In this case, when the walking state variable corresponding to the walking state information corresponds to the entry operation of the preset payment area, the mobile terminal may determine that the mobile terminal has entered the preset payment area and perform the second authentication.

For example, if the entry operation of the predetermined payment area corresponds to an operation of changing the direction after climbing the stairs and descending the stairs, the walking state variable corresponding to the stairs climbing-direction switching-stepping on the walking status information measured from the mobile terminal. When the pattern is detected, it may be determined that the user has entered the preset payment area and may perform second authentication.

In this case, the predetermined payment area may be set based on the POS of the offline store, and may correspond to an area including a structure for the entry operation of the predetermined payment area.

In this case, the walking state variable may include a store-specific variable defined in correspondence with the structure installed inside the offline store in order to detect entry into a predetermined settlement area. For example, a separate staircase structure can be installed near the POS in an offline store for secondary authentication. In this case, the mobile terminal of the user approaching the POS may estimate the walking state to climb up and down the stairs, and generate the walking state variable.

Therefore, when providing information of the offline store, the second authentication may be performed by detecting a preset payment area based on the walking state variable by including a store-specific variable defined corresponding to the structure installed near the POS.

At this time, the store-specific variable may correspond to the entry operation of the predetermined payment area. That is, when it is determined whether the walking state variable corresponds to the entry operation of the predetermined payment area for the second authentication for the offline payment, the determination is performed by comparing the store specific variable corresponding to the entry operation with the walking state variable. You may.

At this time, the structure near the POS for generating the walking state variable may be designed as a structure that can induce a natural and identifiable walking. For example, in order to access the POS of the offline store A, it may be necessary to pass a structure designed in a pattern structure consisting of a slope uphill-a turn-a slope downhill. Therefore, when a pattern corresponding to a slope uphill-direction change-slope downhill is detected through the mobile terminal of the user, the second authentication for offline payment corresponding to the offline store A can be performed.

At this time, even if the structure of the same structure according to the user's body structure or body characteristics, the walking pattern identified for the detection of entry into the predetermined payment area may be different. For example, a tall person and a short person may have different numbers of steps needed to pass through the same structure. Therefore, the detection of entry into the predetermined payment area according to the present invention may be performed based on the walking state variable measured by reflecting the body structure and body characteristics of the user of the mobile terminal.

In this case, when the mobile terminal enters the predetermined payment area and exceeds the preset timeout time, and when at least one of the cases where the walking state variable corresponds to a departure operation out of the predetermined payment area occurs, the mobile terminal occurs. If the mobile terminal is out of the preset payment area before the second authentication is completed, the second authentication may be stopped.

For example, it may be assumed that a user enters a predetermined payment area with a product to be purchased offline, but does not submit the product to a POS corresponding to the offline store, so that the second authentication is not completed. In this case, when the user leaves the predetermined payment area to obtain another product, the second authentication may be stopped by detecting the departure operation based on the walking state information.

As another example, assuming that the preset timeout time is 30 minutes, the second authentication proceeds when the user enters the preset payment area with the product to purchase but exceeds 30 minutes without submitting the product to the POS. You can also stop.

The offline payment unit 3260 performs offline payment in the offline store based on the result of the second authentication. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

The storage unit 3270 stores various information generated in the offline payment processing service process according to the exemplary embodiment of the present invention as described above.

According to an embodiment, the storage unit 3260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. At this time, the storage unit 3260 may operate as a separate mass storage, and may include a control function for performing the operation.

By using such an offline payment processing device, the user can provide convenience of offline payment by performing the second authentication only by entering the payment area near the POS during offline payment using the mobile terminal.

In addition, by accurately detecting the entry into the payment area based on the walking state of the user during the second authentication, the accuracy and security of the second authentication for offline payment can be improved.

In addition, even in an offline store where a separate sensing device for secondary authentication is not installed, the second generation authentication based on the payment area may be performed by measuring the walking state of the mobile terminal, thereby reducing the cost incurred by the installation of the sensing device. .

Referring to FIG. 22, a mobile terminal according to an embodiment of the present invention includes a check-in information collection unit 3310, a first authentication performing unit 3320, a walking state information providing unit 3330, and a payment performing unit 3340. Include.

The check-in information collector 3310 acquires check-in information corresponding to the offline store entered by the user.

The primary certification performing unit 3320 performs the primary certification corresponding to the approval of the offline purchase corresponding to the offline store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

The walking state information providing unit 3330 generates walking state information by measuring a walking state of a user based on a walking state measuring function, and transmits walking state information to a server.

The payment performing unit 3340 receives the result of the offline payment corresponding to the offline store.

For example, when the user enters the preset payment area and the second authentication is completed and the offline payment is successful, the user may receive a payment success message including the name of the store corresponding to the offline payment, the payment method, and the payment amount. have. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

23 to 27, first, a user may enter an offline store with a terminal.

For example, the product benefit screen 3410 may be output to the user through an application installed in the mobile terminal as shown in FIG. 23.

In this case, the product benefit screen 3410 may include discount information or coupon information corresponding to the offline store where the user entered. In this case, when the mobile terminal is locked, the product benefit screen 3410 may output discount information and coupon information together with a payment button on the lockscreen 3412 of the mobile terminal. In addition, the product benefit screen 3410 may output discount information and coupon information together with a payment button on the BLE Noti 3411 of the mobile terminal.

Thereafter, the mobile terminal may access the application server based on the product benefit screen 3410. For example, when the user selects a body region indicating discount information and coupon information on the merchandise benefit screen 3410 of the mobile terminal, a detailed screen 3510 of the store provided by the application server as shown in FIG. 24 may be output to the terminal. Can be.

In this case, the detailed screen 3510 of the store may include information corresponding to the offline store, detailed discount information, and coupon information. In addition, the payment button may be output through the detailed screen 3510 of the store so that the user may proceed with the procedure for offline payment at the corresponding offline store at any time.

For example, when the user selects the payment button displayed on the detailed screen 3510 or the merchandise benefit screen 3410 of the store, the payment PIN is performed as shown in FIG. 25 to perform the first authentication corresponding to the purchase in the store. The input screen 3610 may be output. That is, based on an application server linked through an application, authentication information for offline payment in a corresponding offline store may be input using a mobile terminal.

In this case, the first authentication may use a method of authenticating a picture image gesture or a method of authenticating a touch gesture in addition to a method of inputting a PIN as shown in FIG. 25.

Thereafter, when the first authentication of the user is completed, the user may enter the preset payment area corresponding to the offline store with the product to be purchased in the offline store and perform the second authentication for payment of the product.

In this case, the mobile terminal may detect whether the user enters a predetermined payment area by using the walking state information of the walking state of the user.

For example, after setting a predetermined payment area based on the POS of the offline store, a structure for entering the predetermined payment area may be installed. In this case, the structure may be designed as a structure that can induce natural walking to the user. That is, the user is naturally induced to perform an entry operation of a predetermined payment area through a structure that induces a staircase, a slope, or a change of direction, and at this time, the mobile terminal possessed by the user measures the walking state and provides the walking state information. can do.

Therefore, when the walking state information received from the mobile terminal corresponds to the entry operation of the preset payment area, it may be determined that the user has entered the preset payment area and may perform the second authentication.

In this case, when a user enters a predetermined payment area and submits a product to be purchased to the POS, payment information using an application pay may be output on the payment screen 3710 of the POS together with the information of the user who has completed authentication. .

For example, as shown in FIG. 27, if the payment using the application pay is successful, the payment success message 3811 may be transmitted. If the payment using the application pay fails, the payment failure message 3812 may be transmitted.

At this time, the payment success message 3811 may display the name of the paid offline store, a payment method, and a payment amount.

In addition, the payment failure message 3812 may be provided with a payment button to perform the payment again. In this case, when the user clicks the button for making a payment, the screen for making a payment 3814 may be provided to the mobile terminal.

Referring to FIG. 28, in the second authentication process according to an embodiment of the present invention, first, it may be determined whether the first authentication for the mobile terminals 3831 and 3932 is valid.

Thereafter, when the first authentication is valid, it may be determined whether the mobile terminals 3831 and 3932 are located in the predetermined payment area 3921 based on the walking state information.

In this case, when the walking state information corresponding to the mobile terminals 3913 and 3932 corresponds to the entry operation of the preset payment region 3921, the mobile terminals 3913 and 3932 are determined to be located in the preset payment region 3921. can do.

For example, a structure that sets a predetermined payment area 3921 in a predetermined area near the POS 3920 and induces walking to perform an entry operation in order for users to enter the predetermined payment area 3921. Can be installed.

In this case, when a user who wants to purchase a product moves the structure with the

mobile terminals

3931 and 3932, the walking state information is based on various sensors included in the mobile terminals 3913 and 3932. Can be generated. The walking state information generated as described above may be transferred to the offline payment processing device 3910 and used to determine whether the user has entered the predetermined payment area 3210.

That is, by comparing the walking operation state information received from the mobile terminal (3931, 3932) and the entry operation of the predetermined payment area 3921, the mobile terminal (if the walking state variable corresponding to the walking state information corresponds to the entry operation) It may be determined that 3931 and 3932 enter the predetermined payment area 3921.

Thereafter, the offline payment processing apparatus 3910 enters the preset payment area 3921 by the

mobile terminals

3931 and 3932 and notifies the POS 3920 of the offline store to notify the POS 3920 of the offline store. Can be done.

Referring to FIG. 29, it can be seen that the user 101 tries to move to the POS 4050 of the offline store with the mobile terminal 4011.

At this time, the second authentication for offline payment is detected by detecting that the mobile terminal 4011 enters a predetermined payment area naturally corresponding to the offline store through the structures that guide the mobile terminal 4011 to the POS 4050. Can be performed.

For example, the user 4010 illustrated in FIG. 29 is checked in at the A store, and the entry operation of entering the preset payment area for the second authentication of the offline payment corresponding to the A store is inclined up-direction It can be assumed that the pattern corresponds to the transition-slope down.

At this time, by installing the inclined uphill structure 4020, the turning path 4030 and the inclined downhill structure 4040 near the POS (4050) of the A offline store, that is, the position to enter the predetermined payment area as shown in FIG. In order for the user 4010 to enter the preset payment area and move to the POS 4050, the user 4010 may be induced to perform an entry operation of the preset payment area. That is, the user walks through the acceleration sensor, the geomagnetic sensor, and the gyro sensor included in the mobile terminal 4011 while the user walks the slope uphill structure 4020, the direction change passage 4030, and the slope downhill structure 4040. Status information can be measured.

As such, the user 4010 may determine whether the walking state information measured while passing through the structures corresponds to the entry operation of the preset payment area, and may perform second authentication for offline payment corresponding to the A offline store.

Referring to FIG. 30, the offline payment processing method according to an embodiment of the present invention performs first authentication for offline purchases corresponding to offline stores entered by a user (S4110).

In addition, the offline payment processing method according to an embodiment of the present invention obtains walking state information corresponding to the mobile terminal of the user (S4120).

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the mobile terminal has entered the predetermined payment area based on the walking state information (S4125). That is, the second authentication may be performed by detecting that the user having the mobile terminal enters the payment area using the walking state information.

As a result of the determination in step S4125, if the mobile terminal does not enter the preset payment area, walking state information corresponding to the mobile terminal may be continuously obtained.

In this case, when the mobile terminal is checked out without performing the offline payment, the walking state information measurement may be deactivated.

In addition, when the mobile terminal enters the predetermined payment area as a result of the determination in step S4125, the offline payment processing method according to an embodiment of the present invention performs secondary authentication dependent on the first authentication (S4130).

For example, if the entry operation of the predetermined payment area corresponds to an operation of changing the direction after descending the stairs and descending the stairs, the walking state corresponding to the climbing-direction-falling-stepping on the walking state information measured from the mobile terminal. When the variable pattern is detected, it may be determined that the user has entered the preset payment area and may perform the second authentication.

At this time, for example, a walking-horizontal indicating a horizontal walking state, a walking-up-slope indicating a slope-up walking state, a walking-down-slope indicating a slope-down walking state, and a stairs-up walking state walking-up-stair, walking-down-stair to indicate walking down stairs, running-horizontal to indicate horizontal running status, running-up-slope to indicating climbing slope, and running-down-slope to indicating climbing slope And the like.

In addition, the offline payment processing method according to an embodiment of the present invention performs the offline payment in the offline store based on the result of the second authentication (S4140). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

In addition, although not shown in Figure 30, the offline payment processing method according to an embodiment of the present invention obtains the check-in information corresponding to the offline store entered by the user.

In addition, although not shown in Figure 30, the offline payment processing method according to an embodiment of the present invention transmits and receives information required for offline payment processing with the mobile terminal of the user through a communication network, such as a network. In particular, it is possible to receive check-in information and walking state information from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing.

In addition, although not shown in Figure 30, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

Through the offline payment processing method as described above, when the user makes an offline payment using the mobile terminal, the user may provide convenience of offline payment by performing the second authentication only by entering the payment area near the POS.

Referring to FIG. 31, in the offline payment processing method according to an embodiment of the present invention, check-in information corresponding to an offline store entered by a user is obtained (S4210).

In addition, the offline payment processing method according to an embodiment of the present invention performs the first authentication corresponding to the approval of the offline purchase corresponding to the offline store (S4220). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

In addition, the offline payment processing method according to an embodiment of the present invention measures the walking state of the user based on the walking state measurement function to generate walking state information, and transmits the walking state information to the server (S4230).

In addition, the offline payment processing method according to an embodiment of the present invention receives the result of the offline payment corresponding to the offline store (S4240).

Referring to FIG. 32, in the offline payment processing method according to an embodiment of the present invention, first, check-in information corresponding to an offline store entered by a user is obtained (S4310).

Thereafter, the mobile terminal transmits the authentication information for the first authentication for the offline purchase corresponding to the offline store (S4320).

Thereafter, the first authentication is performed by receiving an input from the mobile terminal (S4330).

Thereafter, the walking state measurement function is activated through the user's mobile terminal to obtain walking state information (S4340).

Thereafter, it is determined whether the walking state variable measured through the mobile terminal corresponds to the entry operation of the preset payment area (S4345).

For example, if the entry operation of the predetermined payment area corresponds to an operation of changing the direction after descending the stairs and descending the stairs, the walking state corresponding to the climbing-direction-falling-stepping on the walking state information measured from the mobile terminal. It may be determined whether a variable pattern is detected.

As a result of the determination in step S4345, when the walking state variable corresponds to the entry operation of the preset payment area, second authentication for offline payment is performed (S4350).

Thereafter, as the second authentication is completed, offline payment is performed (S4360), and when offline payment is completed, the power consumption of the mobile terminal is prevented by deactivating a walking state measurement function of the mobile terminal (S4370).

In operation S4345, when the walking state variable does not correspond to the entry operation of the predetermined payment area, it is determined whether the mobile terminal is checked out at the offline store (S4355).

If it is determined in step S4355 that the mobile terminal is not checked out from the offline store, the user may determine that the offline purchase is still in progress in the offline store and continue to acquire walking state information.

In addition, when the mobile terminal is checked out from the offline store as a result of the determination in step S4355, the walking state measurement function of the mobile terminal is deactivated (S4370).

In this case, when the mobile terminal is checked in to another offline store, or when the mobile terminal is separated from the offline store by a predetermined distance or more, the mobile terminal may be checked out from the offline store.

In addition, when it is confirmed that the mobile terminal is checked out, the walking state measurement function of the mobile terminal may be deactivated in order to no longer measure the walking state unnecessarily.

Referring to FIG. 33, a payment system using an application pay according to an embodiment of the present invention includes an application server 5110, a terminal 5120, a POS device 5130, a BLE server 5140, and a BLE device 5150. Include.

The application server 5110 may be a server that provides an application 5111 for performing payment with information related to payment to the terminal 5120 of the user to perform a procedure related to payment. In this case, the application server 5110 may transmit and receive data through a network.

In this case, the application server 5110 may be an offline payment processing apparatus according to an embodiment of the present invention. In addition, the application server 5110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a path for transferring data between the application server 5110 and the terminal 5120, and is a concept that encompasses both an existing network and a network that can be developed in the future. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In FIG. 33, the network used between the application server 5110 and the terminal 5120 is different from the network used between the application server 5120 and the POS device 5130 and the BLE server 5140 and the terminal 5120. May be the same or may be the same.

The terminal 5120 receives information corresponding to product payment from the application server 5110 using an application and provides the same to the user.

In this case, the terminal 5120 is a device that is connected to a communication network and executes an application. The terminal 5120 is a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 5120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in relation to the function control of the terminal 5120 to the controller through the input unit. In addition, the input unit of the terminal 5120 may include at least one of a keypad and a touch pad for generating an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 5120 may be configured in the form of a single touch panel (or touch screen) together with the display unit of the terminal 5120 to simultaneously perform input and display functions. In addition, in addition to input devices such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 5120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 5120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the control unit of the terminal 5120 based on an optimal card recommendation system.

In addition, the display unit of the terminal 5120 may display information on a series of operation states and operation results generated while the function of the terminal 5120 is performed. In addition, the display unit of the terminal 5120 may display a menu of the terminal 5120 and user data input by the user. The display unit of the terminal 5120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 5120 is configured in the form of a touch screen, the display unit of the terminal 5120 may perform some or all of the functions of the input unit of the terminal 5120. In particular, the display unit of the terminal 5120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.

In addition, the storage unit of the terminal 5120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 5120. The storage unit of the terminal 5120 may largely include a program area and a data area. In this case, when the terminal 5120 activates each function in response to a user's request, the terminal 5120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 5120 according to the present invention may store an operating system for booting the terminal 5120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 5120 may store a content DB storing a plurality of contents and information of the terminal 5120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 5120 may include terminal specification information.

In addition, the communication unit of the terminal 5120 may perform a function for transmitting and receiving data with the application server 5110 through a network. The communication unit of the terminal 5120 may include RF transmission means for up-converting and amplifying a frequency of a transmitted signal, and RF reception means for low-noise-amplifying and down-converting a received signal. The communication unit of the terminal 5120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 5120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 5110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 5110. That is, the terminal 5120 may access a network by using a wireless communication module or a wired communication module, and may transmit and receive data with the application server 5110 through the network. In particular, in the network according to the present invention, the terminal 5120, the application server 5110, and the BLE server 5140 may communicate with each other to transmit and receive data necessary for recommending an optimal card based on an optimal card recommendation system.

In addition, the controller of the terminal 5120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 5110. In the case of accessing the application server 5110 through a separate service application, the overall process of executing the service application may be controlled according to a user's request, and at the same time, a service use request is sent to the application server 5110. It may be controlled to be transmitted, and at this time, the information of the terminal 5120 required for user authentication may be transmitted together.

In addition, the controller of the terminal 5120 may execute specific content stored in the storage of the terminal 5120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the user terminal 5120 has an application for an application pay service installed, and may correspond to the terminal 5120 of the user subscribed to the application pay service.

In addition, the terminal 5120 of the user may include an acceleration sensor, a geomagnetic sensor, a gyro sensor, or the like, for performing a user's walking state-based check-in according to an embodiment of the present invention. That is, the walking state of the user possessing the terminal 5120 may be measured based on various sensors provided in the terminal 5120 to more accurately identify a store visited by the user.

The POS device 5130 is a device for performing payment of goods in the store 5160 and may correspond to a device capable of performing an application pay service based on communication with the application server 5110.

The BLE server 5140 may be a server for identifying the location of the terminal 5120 and providing information by using a Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even if the user of the terminal 5120 does not take any action, the user may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor positioning, automatic check-in, and geo-fencing based on proximity measurement. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 5150 illustrated in FIG. 33 may correspond to a beacon.

For example, when a user and a customer having the terminal 5120 enter the area of the BLE beacon by installing a beacon at a specific place in the store 5160, the terminal 5120 may detect the corresponding terminal 5120 and transmit a signal including information. .

The store 5160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store where an application pay agent and a BLE device 5150 are installed.

The following describes the service flow of the payment system of FIG. 33 according to an embodiment of the present invention.

First, a user may enter a store 5160 with a terminal 5120.

In this case, for the first check-in, the user may detect that the user enters the store 5160 using a beacon, which is a BLE-based short-range data communication technology.

That is, according to the present invention, the BLE signal transmitted from the BLE device 5150, which is a beacon located in the store 5160, may be received by the Bluetooth-enabled terminal 5120 using the BLE SDK 5251. In this case, the BLE signal may be received through the application 5111 installed based on the BLE SDK 5151. Thereafter, when the terminal 5120 transmits information included in the BLE signal to the BLE server 5140, the BLE server 5140 may provide the terminal 5120 with information related to BLE benefits corresponding to the BLE signal. .

In addition, the terminal 5120 may detect the store 5160 in which the terminal 5120 enters by receiving the mobile beacon signal from the mobile beacon moving inside the store 5160.

Thereafter, the terminal 5120 may receive the BLE benefit information corresponding to the store 5160, and may apply to the application server 5110 that may perform offline payment corresponding to the store 5160 based on the BLE benefit information. I can connect it.

In this case, the application server 5110 may include at least one module for performing payment.

For example, the application server 5110 may include a membership providing module that may provide membership information based on user information of the terminal 5120 and store information corresponding to the store 5160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server 5110 may include an application pay payment module for performing a payment through an application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 5160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

For another example, the application server 5110 may use the membership providing module, together with membership information, offer information on coupons or gifticons that can be used by the user in the store 5160, event information and marketing information in progress in the store 5160, and the like. It may include a store information providing module that can provide. For example, the store information providing module searches for a gift or a coupon that can be used in the store 5160 by the user and provides the application server 5110 to the application server 5110, whereby the user can display the gift or the gift through an application installed on the terminal 5120. You can use the coupon. In addition, the store information providing module provides the application server 5110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. In operation 5160, information about an ongoing event and marketing may be provided to the user terminal 5120.

Thereafter, a user accessing the application server 5110 through the terminal 5120 may perform pre-authentication in the application pay service to purchase a product in the store 5160. For example, the BLE device 5150 may enter a step for pre-authentication by receiving a purchase-related push message and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 5110 or corresponding to the application server 5110 receives the corresponding first authentication information of the first authentication performed by the terminal 5120 to determine whether to authenticate. You can judge.

Thereafter, the user moves to the POS device 5130 with the product to be purchased at the store 5160, expresses a willingness to make a payment through an application pay at a store clerk of the store 5160, and performs a second authentication for product purchase and payment. can do.

For example, as a second authentication method, a user has a terminal 5120 and is located in a zone for payment near the POS device 5130, and inputs a movement gesture pattern using the terminal 5120 within a payment zone. A method of inputting a touch pattern to a sign pad included in the POS device 5130, a method of generating an intersection point on the sign pad, a question answering method, and the like.

In addition, in the second authentication, after the clerk of the store 5160 scans the purchased product, the POS device 5130 may check the user who uses the application pay service and proceed with payment.

Thereafter, when the second authentication is completed, the application server 5110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the terminal 5120 or the POS device 5130 of the user.

In addition, it is possible for a user to pay a product using an optimal card more safely and conveniently simply by performing the first authentication in the store 5160 and performing a simple second authentication.

Thereafter, while the user exits the store 5160 past the structure installed at the exit of the store 5160, the user may use the acceleration sensor, the geomagnetic sensor, and the gyro sensor included in the inside of the terminal 5120 to display the walking state information of the user. You can check.

For example, if a structure such as a staircase or a slope is installed at the exit of the store 5160, the user may measure walking state information such as climbing up or down the stairs or climbing up or down the slope through the sensors of the terminal 5160. Can be.

Thereafter, when the application server 5110 receives the walking state information from the terminal 5120, and the walking state information corresponds to the checkout operation of the store 5160, it is determined that the user has left the store 5160 and the terminal 5120. ) May be checked out from store 5160.

Referring to FIG. 34, an offline payment processing apparatus according to an embodiment of the present invention includes a communication unit 5210, a check-in information obtaining unit 5220, a walking state information obtaining unit 5230, an offline payment unit 5240, and check-out. The execution unit 5250 and the storage unit 5260 are included.

The communication unit 5210 plays a role of transmitting and receiving information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, the communication unit 5210 according to an embodiment of the present invention may receive check-in information and walking state information from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing.

The check-in information obtaining unit 5220 acquires check-in information corresponding to the offline store entered by the user.

The walking state information obtaining unit 5230 obtains walking state information corresponding to the mobile terminal of the user.

In this case, after acquiring the check-in information, the walking state measurement function of the mobile terminal may be activated to obtain walking state information. That is, even when the user does not use the offline payment service using the mobile terminal, if the walking state measurement function of the mobile terminal is continuously activated, power consumption of the mobile terminal may occur. Therefore, when the user checks in to a specific offline store, the power of the mobile terminal can be saved by activating a walking state measurement function for a checkout to occur in the future.

The offline payment unit 5240 performs offline payment based on the first authentication for offline purchase corresponding to the offline store and the second authentication dependent on the first authentication.

At this time, the first authentication and the second authentication may correspond to user authentication for offline purchase.

At this time, the first authentication may be performed through the mobile terminal. For example, when a PIN is input at the mobile terminal, the offline payment processing device may recognize the PIN input to the mobile terminal as authentication information and approve it.

In addition, the primary authentication may be performed through all methods that can be performed through the mobile terminal, such as fingerprint recognition, face recognition and voice authentication.

At this time, since the second authentication is authentication dependent on the first authentication, the level for authentication may be lower than that of the first authentication. That is, since the first authentication for offline payment has already been performed to the user through the mobile terminal, the second authentication can be performed as simply as possible so that the process of performing the offline purchase by the user is not cumbersome.

For example, the second authentication prints a picture or phone number of a user who wants to buy a product at an offline store to the POS, and the store clerk checks the face or phone number of the user who approached the POS to purchase the product. Certification can be approved.

For example, a method of authenticating by shaking a user's mobile terminal in a registered pattern in the vicinity of the POS, a method of authenticating through a question and answer generated using information obtained from the mobile terminal, and a sign connected to the POS Various methods, such as a method using a pad, can be used.

The checkout execution unit 5250 checks out the mobile terminal from the offline store based on the check-in information and the walking state information. That is, the checkout may be performed by detecting that the user having the mobile terminal has left the offline store corresponding to the check-in information by using the walking state information.

At this time, the checkout may be performed by determining whether the walking state variable corresponding to the walking state information corresponds to the checkout operation of the offline store corresponding to the check-in information.

For example, if the checkout operation corresponding to the offline store corresponds to an operation of changing direction after descending the stairs and descending the stairs, the walking corresponding to the stairs climbing-turning direction-stairs descending to the walking state information measured from the mobile terminal When the state variable pattern is detected, the mobile terminal may be checked out.

In this case, the walking state variable may include a store-specific variable defined corresponding to the structure installed at the exit of the offline store. For example, a separate staircase structure may be installed at the exit of the offline store for the user to check out. At this time, the mobile terminal of the user leaving the off-line store in which the staircase structure is installed may generate a walking state variable by estimating the walking state of climbing the stairs.

Therefore, when providing information of the offline store, the checkout based on the walking state variable may be performed by including a store-specific variable defined corresponding to the structure installed at the exit of the offline store.

At this time, the store specific variable may correspond to a checkout operation corresponding to the offline store. That is, when determining whether the walking state variable corresponds to the checkout operation to check out the mobile terminal, the determination may be performed by comparing the store specific variable corresponding to the checkout operation with the walking state variable.

At this time, the exit of the offline store for the generation of the walking state variable may be designed in a structure that can induce a natural and identifiable walking. For example, in order to exit the offline store A, it may be necessary to pass through an exit designed in a pattern structure consisting of a slope uphill-a turn-a slope downhill. Therefore, when the pattern corresponding to the slope uphill-direction change-slope downhill is detected through the mobile terminal of the user, the mobile terminal can be checked out from the offline store A.

At this time, even if the outlet of the store having the same structure according to the user's body structure or physical characteristics, the walking pattern identified for checkout may be different. For example, a tall person and a short person may have different numbers of steps needed to pass through the exit of the same store. Therefore, the checkout according to the present invention may be performed based on the walking state variable measured by reflecting the body structure and body characteristics of the user of the mobile terminal.

In this case, when the offline payment is completed, the checkout may be performed in at least one of the case where the preset timeout time has been exceeded since the check-in information is obtained and when the mobile terminal is checked in to another offline store.

For example, if an offline payment corresponding to the offline store is completed after the user has checked in to the offline store, the user may determine to leave the offline store and check out the offline store.

For another example, assuming that the preset timeout time is 30 minutes, the user may automatically check out the mobile terminal 30 minutes after checking in to the offline store. In this case, if the user leaves the offline store within 30 days, the mobile terminal may be checked out based on the walking state information. In addition, even if the offline payment is completed in the offline store within 30 minutes, if the user is still in the offline store may not check out the mobile terminal until 30 minutes have passed.

As another example, if the mobile terminal is checked in at the offline store A without checking out at the offline store A after checking in at the offline store A, the mobile terminal may be checked out at the offline store A. That is, in this case, it may be determined that the checkout is not correctly recognized when the mobile terminal leaves the A offline store, and the check-in information may be maintained only for the B offline store which has been checked in later.

The storage unit 5260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage unit 5260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. In this case, the storage unit 5260 may operate as a separate mass storage, and may include a control function for performing an operation.

By using such an offline payment processing device, in the offline payment technology using a mobile terminal, it is possible to provide a more accurate checkout technology through the walking state information of the user.

In addition, it is possible to accurately check out the mobile terminal of the user even in an offline store without beacons.

In addition, by performing an accurate checkout of the offline store, it is possible to exclude the possibility of fraudulent payment that may occur in the offline payment using the mobile terminal.

Referring to FIG. 35, a mobile terminal according to an embodiment of the present invention includes a check-in information collecting unit 5310, a walking state information generating unit 5320, a walking state information providing unit 5330, and a payment performing unit 5340. Include.

The check-in information collector 5310 obtains check-in information corresponding to the offline store entered by the user.

The walking state information generation unit 5320 generates walking state information by measuring a walking state of a user based on a walking state measuring function.

In this case, after acquiring check-in information corresponding to the offline store, the walking state measurement function may be activated based on a request from the server. For example, if the mobile terminal continuously measures the walking state even when the mobile terminal is not located in the offline store, it may not only generate useless walking state information but also consume power of the mobile terminal unnecessarily quickly. Accordingly, the mobile terminal may generate walking state information of the mobile terminal by activating the walking state measurement function only when the mobile terminal is checked in to one of the offline stores, that is, when the mobile terminal needs to check out in the future.

The walking state information providing unit 5330 transmits the walking state information to the server.

At this time, the walking state information may be transmitted based on the application.

The payment execution unit 5340 transmits authentication information corresponding to user authentication to a server to perform offline payment corresponding to the offline store, and receives the result of offline payment.

For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

36 to 40, a user may first enter an offline store with a terminal.

For example, as shown in FIG. 36, the product benefit screen 5410 may be output to the user through an application installed in the mobile terminal.

In this case, the product benefit screen 5410 may include discount information or coupon information corresponding to the offline store where the user entered. In this case, when the mobile terminal is locked, the product benefit screen 5410 may output discount information and coupon information together with a payment button on the lockscreen 5412 of the mobile terminal. In addition, the product benefit screen 5410 may output discount information and coupon information together with a payment button on the BLE Noti 5411 of the mobile terminal.

Thereafter, the mobile terminal may access the application server based on the product benefit screen 5410. For example, when the user selects a body area indicating discount information and coupon information on the product benefit screen 5410 of the mobile terminal, as shown in FIG. 37, the detailed screen 5510 of the store provided by the application server may be output to the terminal. Can be.

In this case, the detailed screen 5510 of the store may include information corresponding to the offline store, detailed discount information, and coupon information. In addition, the payment button may be output through the detailed screen 5510 of the store so that the user may proceed with the procedure for offline payment at the corresponding offline store at any time.

For example, when the user selects the payment button displayed on the detailed screen 5510 or the merchandise benefit screen 5510 of the store, the payment PIN is performed as shown in FIG. 38 to perform the first authentication corresponding to the purchase in the store. The input screen 5610 may be output. That is, based on an application server linked through an application, authentication information for offline payment in a corresponding offline store may be input using a mobile terminal.

In this case, the first authentication may use a method of authenticating a picture image gesture or a method of authenticating a touch gesture in addition to a method of inputting a PIN as shown in FIG. 38.

Thereafter, when the first authentication of the user is completed, the user may move to the POS corresponding to the offline store with the product to be purchased at the offline store. At this time, the user can perform a second authentication for payment of goods.

For example, when a user submits a product to be purchased and recognizes it to the POS, payment information using an application pay may be output on the payment screen 5710 of the POS as well as information of the user who has completed primary authentication. At this time, the clerk can perform the second authentication by comparing the information of the user output to the POS with the buyer who actually purchases the product. Or a method in which a user has a mobile terminal in a payment zone near a POS, generates a movement gesture pattern using the mobile terminal in a payment zone, inputs a touch pattern on a sign pad connected to the POS, and crosspoint patterns on the sign pad. Secondary authentication may be performed by performing a method of inputting a questionnaire and a question-and-answer method based on user information.

Thereafter, when the second authentication is completed, payment through the application pay is performed, and the application server may inform the user's mobile terminal and the POS whether the payment through the application pay was successfully performed.

For example, as shown in FIG. 40, if the payment using the application pay is successful, the payment success message 5811 may be transmitted. If the payment using the application pay fails, the payment failure message 5812 may be transmitted.

In this case, the payment success message 5811 may display the name of the paid offline store, a payment method, and a payment amount.

In addition, in the payment failure message 5812, a payment button may be provided to perform payment again. At this time, when the user clicks the button for making a payment, a screen for making a payment 5586 can be provided to the mobile terminal again.

Referring to FIG. 41, it can be seen that the user 5910 is going to leave the offline store through the exit 5950 of the offline store with the mobile terminal 5911.

At this time, the mobile terminal 5911 may check out the mobile terminal 5911 by performing a checkout operation corresponding to the offline store through structures that direct the mobile terminal 5911 to the exit 5950.

For example, it may be assumed that the user 5910 shown in FIG. 41 is checked in to the A offline store, and the checkout operation corresponding to the A offline store is a pattern corresponding to slope up-turn-slope down. .

At this time, the inclined uphill structure 5920, the turning path 5930, and the inclined downhill structure 5940 are installed just before the exit 5950 of the A offline store as shown in FIG. In order to exit, the user may be prompted to perform a checkout operation. That is, the user walks through the acceleration sensor, the geomagnetic sensor, and the gyro sensor included in the mobile terminal 5911 while the user walks the inclined uphill structure 5920, the direction change passage 5930, and the inclined downhill structure 5940. Status information can be measured.

As such, the user 5910 may determine whether the measured walking state information passing through the structures corresponds to the checkout operation, and check out the mobile terminal 5911 from the A offline store.

Referring to FIG. 42, in the offline payment processing method according to an embodiment of the present invention, check-in information corresponding to an offline store entered by a user is obtained (S6010).

In addition, the offline payment processing method according to an embodiment of the present invention obtains walking state information corresponding to the mobile terminal of the user (S6020).

In addition, the offline payment processing method according to an embodiment of the present invention performs the offline payment based on the first authentication and the second authentication dependent on the first authentication for offline purchase corresponding to the offline store (S6030).

In addition, the offline payment processing method according to an embodiment of the present invention checks out the mobile terminal from the offline store based on the check-in information and the walking state information (S6040). That is, the checkout may be performed by detecting that the user having the mobile terminal has left the offline store corresponding to the check-in information by using the walking state information.

At this time, the checkout may be performed by determining whether the walking state variable corresponding to the walking state information corresponds to the offline store checkout operation corresponding to the check-in information.

In addition, although not shown in FIG. 42, the offline payment processing method according to an embodiment of the present invention transmits and receives information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, it is possible to receive check-in information and walking state information from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing.

In addition, although not shown in Figure 42, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

In the offline payment technology using a mobile terminal through such an offline payment processing method, a more accurate checkout technology may be provided through walking state information of a user.

Referring to FIG. 43, in the offline payment processing method according to an embodiment of the present invention, check-in information corresponding to an offline store entered by a user is obtained (S6110).

In addition, the offline payment processing method according to an embodiment of the present invention generates the walking state information by measuring the walking state of the user based on the walking state measuring function (S6120).

In addition, the offline payment processing method according to an embodiment of the present invention transmits the walking state information to the server (S6130).

In addition, the offline payment processing method according to an embodiment of the present invention transmits the authentication information corresponding to the user authentication to the server to perform the offline payment corresponding to the offline store, and receives the result of the offline payment (S6140).

Referring to FIG. 44, in the offline payment processing method according to an embodiment of the present invention, first, check-in information corresponding to an offline store entered by a user is obtained (S6210).

Thereafter, the walking state measurement function is activated through the user's mobile terminal to obtain walking state information (S6220).

Thereafter, it is determined whether user authentication for offline payment at the offline store has been performed (S6225).

In this case, the user authentication may correspond to the first authentication for offline purchase in the offline store and the second authentication dependent on the first authentication.

If user authentication is performed as a result of the determination in step S6225, offline payment is performed (S6230).

Thereafter, it is determined whether the walking state variable corresponding to the walking state information corresponds to the checkout operation of the offline store corresponding to the check-in information (S6235).

In addition, if the user authentication is not performed as a result of the determination in step S6225, it may be determined whether the walking state variable corresponding to the walking state information corresponds to the checkout operation of the offline store.

If the walking state variable corresponds to the checkout operation in operation S6235, the walking state measurement function of the mobile terminal is deactivated (S6240), and the mobile terminal is checked out from the offline store (S6250).

In addition, if the walking state variable does not correspond to the checkout operation as a result of the determination in step S6235, it may be determined that the user is still in the offline store, and it may wait while determining whether user authentication for offline payment is performed.

Referring to FIG. 45, the payment system using the application pay according to an embodiment of the present invention includes an application server 7110, a terminal 7120, a POS device 7130, a BLE server 7140, and a BLE device 7150. Include.

The application server 7110 may be a server that provides an application 7111 for performing payment with the information related to payment to the terminal 7120 of the user to perform a procedure related to payment. In this case, the application server 7110 may transmit and receive data through a network.

In this case, the application server 7110 may be an offline payment processing apparatus according to an embodiment of the present invention. In addition, the application server 7110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a path for transferring data between the application server 7110 and the terminal 7120, and is a concept that encompasses both the existing network and the network that can be developed in the future. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In FIG. 45, the network used between the application server 7110 and the terminal 7120 is different from the network used between the application server 7110 and the POS device 7130 and the BLE server 7140 and the terminal 7120. May be the same or may be the same.

The terminal 7120 receives information corresponding to product payment from the application server 7110 using an application and provides the same to the user.

In this case, the terminal 7120 is a device that is connected to a communication network to execute an application, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 7120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in connection with the function control of the terminal 7120 to the controller through the input unit. The input unit of the terminal 7120 may include at least one of a keypad and a touch pad that generate an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 7120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 7120 to simultaneously perform input and display functions. In addition, in addition to input devices such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 7120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 7120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 7120 based on an optimal card recommendation system.

In addition, the display unit of the terminal 7120 may display information on a series of operation states and operation results generated while the function of the terminal 7120 is performed. In addition, the display unit of the terminal 7120 may display a menu of the terminal 7120 and user data input by the user. The display unit of the terminal 7120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 7120 is configured as a touch screen, the display unit of the terminal 7120 may perform some or all of the functions of the input unit of the terminal 7120. In particular, the display unit of the terminal 7120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.

In addition, the storage unit of the terminal 7120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 7120. The storage unit of the terminal 7120 may largely include a program area and a data area. Here, when the terminal 7120 activates each function in response to a user's request, the terminal 7120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 7120 according to the present invention may store an operating system for booting the terminal 7120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 7120 may store a content DB storing a plurality of contents and information of the terminal 7120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 7120 may include terminal specification information.

In addition, the communication unit of the terminal 7120 may perform a function for transmitting and receiving data with the application server 7110 through a network. The communication unit of the terminal 7120 may include RF transmission means for upconverting and amplifying a frequency of a transmitted signal, and RF reception means for low noise amplifying and downconverting a received signal. The communication unit of the terminal 7120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 7120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 7110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 7110. That is, the terminal 7120 may access a network using a wireless communication module or a wired communication module, and may transmit / receive data with the application server 7110 through the network. In particular, in the network according to the present invention, the terminal 7120, the application server 7110, and the BLE server 7140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.

In addition, the controller of the terminal 7120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 7110. In the case of accessing the application server 7110 through a separate service application, the overall process of executing the service application may be controlled according to a user's request, and at the same time, a request for service use is transmitted to the application server 7110. It may be controlled to be transmitted, and at this time, the information of the terminal 7120 required for user authentication may be transmitted together.

In addition, the controller of the terminal 7120 may execute specific content stored in the storage of the terminal 7120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the user terminal 7120 is installed with an application for the application pay service, and may correspond to the terminal 7120 of the user subscribed to the application pay service.

In addition, the terminal 7120 of the user may include an acceleration sensor, a geomagnetic sensor, a gyro sensor, or the like, to perform a check-in based on the walking state of the user according to an embodiment of the present invention. That is, the walking state of the user possessing the terminal 7120 may be measured based on various sensors provided in the terminal 7120 to more accurately identify the store visited by the user.

The POS device 7130 is a device for performing payment of goods in the store 7160 and may correspond to a device capable of performing an application pay service based on communication with the application server 7110.

The BLE server 7140 may be a server for locating the terminal 7120 and providing information by using Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even though the user of the terminal 7120 does not take any action, the user of the terminal 7120 may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor positioning, automatic check-in, and geo-fencing based on proximity measurement. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 7150 illustrated in FIG. 45 may correspond to a beacon.

For example, when a user and a customer having the terminal 7120 enter the area of the BLE beacon by installing a beacon at a specific place in the store 7160, the terminal 7120 may detect the corresponding terminal 7120 and transmit a signal including information. .

The store 7160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store in which an application pay agent and a BLE device 7150 are installed.

The following describes the service flow of the payment system of FIG. 45 according to an embodiment of the present invention.

First, a user may enter a store 7160 with a terminal 7120.

At this time, for the first check-in, the user may detect that the user enters the store 7160 using a beacon, which is a BLE-based short-range data communication technology.

That is, according to the present invention, the BLE signal transmitted from the BLE device 7150, which is a beacon located in the store 7160, may be received by the Bluetooth-enabled terminal 7120 using the BLE SDK 7141. At this time, the BLE signal may be received through the application 7111 installed based on the BLE SDK 7141. Thereafter, when the terminal 7120 transmits information included in the BLE signal to the BLE server 7140, the BLE server 7140 may provide the terminal 7120 with information related to the BLE benefit corresponding to the BLE signal. .

In addition, the terminal 7120 may detect the store 7160 in which the terminal 7120 enters by receiving the mobile beacon signal from the mobile beacon moving inside the store 7160.

Thereafter, the plurality of candidate offline stores expected to be entered by the user may be extracted using the beacon-based check-in information. For example, because the beacon signal is superimposed or incorrectly received, the terminal 7120 may be checked in corresponding to various stores. Therefore, in such a case, it is possible to extract a plurality of candidate offline stores up to nearby stores in consideration of a store without beacons installed together with all the checked-in stores.

Thereafter, while the user enters the store 7160 and moves past the entrance structure installed in the store, the user walks information of the user using an acceleration sensor, a geomagnetic sensor, and a gyro sensor included in the terminal 7120. can do. For example, if a structure such as a staircase or a hill is installed in the access road of the store 7160, the user may measure walking state information such as climbing up or down the stairs or climbing up or down the hill through the sensors of the terminal 7160. Can be.

Thereafter, the application server 7110 receives the walking state information from the terminal 7120, obtains entry information of stores for a plurality of candidate offline stores, and accurately detects which store 7160 the user has entered. Can be. That is, by comparing the entry information of the store and the walking state information, the matching store may be detected as the store 7160 in which the user enters.

Thereafter, the terminal 7120 may receive BLE benefit information corresponding to the store 7160, and may transmit to an application server 7110 that may perform offline payment corresponding to the store 7160 based on the BLE benefit information. I can connect it.

In this case, the application server 7110 may include at least one module for performing payment.

For example, the application server 7110 may include a membership providing module that may provide membership information based on user information of the terminal 7120 and store information corresponding to the store 7160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server 7110 may include an application pay payment module for performing a payment through an application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 7160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

For another example, the application server 7110 may use the membership providing module together with the membership information and offer information on coupons or gifticons that the user can use in the store 7160 or events and marketing information in progress in the store 7160. It may include a store information providing module that can provide. For example, the store information providing module searches for a gift or a coupon that can be used in the store 7160 by the user and provides the application server 7110 to the application server 7110 so that the user can send the gift to the application via the application installed on the terminal 7120. You can use the coupon. In addition, the store information providing module provides the application server 7110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. In operation 7160, information about an ongoing event and marketing may be provided to the user terminal 7120.

Thereafter, a user accessing the application server 7110 through the terminal 7120 may perform pre-authentication in the application pay service to purchase a product in the store 7160. For example, the BLE device 7150 may enter a step for pre-authentication by receiving a purchase-related push message and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 7110 or corresponding to the application server 7110 receives the corresponding primary authentication information of the primary authentication performed by the terminal 7120 to determine whether to authenticate. You can judge.

Thereafter, the user moves to the POS device 7130 with the product to be purchased at the store 7160, expresses a willingness to pay through the application pay at the store clerk of the store 7160, and performs the second authentication for the purchase and payment of the product. can do.

For example, as a second authentication method, a user has a terminal 7120 and is located in a zone for payment near the POS device 7130, and inputs a movement gesture pattern using the terminal 7120 within a payment zone. A method of inputting a touch pattern to a sign pad included in the POS device 7130, a method of generating an intersection point on the sign pad, a question answering method, and the like.

In addition, in the second authentication, after the clerk of the store 7160 scans the purchased product, the payment may be performed after confirming the user who uses the application pay service through the POS device 7130.

Thereafter, when the second authentication is completed, the application server 7110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the user terminal 7120 or the POS device 7130.

In addition, it is possible for a user to pay a product using an optimal card more safely and conveniently just by performing the first authentication in the store 7160 and performing a simple second authentication.

46, an offline payment processing apparatus according to an embodiment of the present invention includes a communication unit 7210, a first check-in information obtaining unit 7220, a second check-in information obtaining unit 7230, and an offline store detecting unit 7240. ), The offline payment unit 7250 and the storage unit 7260.

The communication unit 7210 transmits and receives information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, the communication unit 7210 according to an embodiment of the present invention may receive the first check-in information and the second check-in information from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing.

The primary check-in information acquirer 7220 acquires at least one primary check-in information corresponding to the mobile terminal of the user.

In this case, the first check-in information may be check-in information based on beacons.

In this case, the first check-in information may be obtained using a technology such as BLE (Bluetooth low energy) technology or Wi-Fi and GPS. For example, a device such as a BLE beacon may be installed at the entrance of a store, and when a user's mobile terminal enters the area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store. At this time, the mobile terminal receiving the signal may acquire the information of the store included in the signal through the application, and transmit the information to the offline proxy payment processing device corresponding to the first check-in information.

Therefore, when the mobile terminal of the user is located in an area where the beacon signals overlap, it is possible to obtain primary check-in information corresponding to various offline stores.

The secondary check-in information obtaining unit 7230 obtains secondary check-in information based on the walking state information corresponding to the mobile terminal.

In this case, the second check-in information may be check-in information based on a walking state variable. That is, the walking state variable corresponding to the walking state information measured by the user's mobile terminal may be used as secondary check-in information.

In this case, the mobile terminal may include at least one sensor of an acceleration sensor, a geomagnetic sensor, and a gyro sensor to measure the walking state variable. For example, the mobile terminal according to the present invention includes a sensor device such as an accelerometer, a gyro, a geomagnetic machine, a camera, and the like, and a mobile communication module such as CDMA, WCDMA, LTE, WiBro, Femto Cell, or Wi-Fi as a communication module. It may include a short-range communication module, such as RFID, NFC, Bluetooth. In addition, a tablet PC or a laptop computer such as a netbook, an ultrabook, a laptop, or the like, in which a sensor or a communication module is mounted in an internal or external manner, may correspond to a mobile terminal.

In this case, the second check-in information may be generated based on a walking state measurement function of the activated mobile terminal after generating the first check-in information. That is, even when the user does not use the offline payment service using the mobile terminal, if the walking state measurement function of the mobile terminal is continuously activated, power consumption of the mobile terminal may occur. Therefore, when the user performs a beacon-based primary check-in for a particular offline store, the user can save power of the mobile terminal by activating a walking state measurement function for the secondary check-in.

In this case, the walking state variable may include a store-specific variable defined corresponding to the structure installed in the offline store. For example, a separate staircase structure can be installed at the entrance of an offline store for the user's second check-in. At this time, the mobile terminal of the user who enters the offline store where the staircase structure is installed may generate the walking state variable by estimating the walking state of climbing the stairs.

Therefore, when providing information of the offline store, the check-in according to the second check-in information may be performed by including a store-specific variable defined corresponding to the structure installed in the offline store.

At this time, the entrance of the offline store for the generation of the walking state variable may be designed in a structure that can induce a natural and identifiable walking. For example, in order to enter the offline store A, the entrance can be designed in a pattern structure consisting of a slope uphill-a turn-a slope downhill. Therefore, when the pattern corresponding to the slope uphill-the direction change-the slope downhill is detected through the mobile terminal of the user, the secondary check-in may be performed to the offline store A.

The offline store detector 7240 detects an offline store entered by the user using the first check-in information and the second check-in information. That is, after performing the first check-in based on the first check-in information, it is possible to detect the second check-in store among the offline check-in stores.

At this time, the plurality of candidate offline stores may be extracted based on the first check-in information, and the store entry information corresponding to each of the plurality of candidate offline stores may be compared with the walking state variable to detect the offline stores entered by the user. .

In this case, the store entrance information may correspond to a store specific variable defined corresponding to each of the plurality of candidate offline stores. That is, the design of the entrance may be different for each of the plurality of candidate offline stores. Therefore, the second store check-in of the user may be performed to detect the offline store entered by the user according to whether the store-specific variable defined by the pattern corresponding to each design and the walking state variable received from the user's mobile terminal match. have.

In this case, at least one of the at least one offline store where the beacon signal is received by the mobile terminal and the at least one offline store located within a predetermined distance from the at least one offline store may be extracted as a plurality of candidate offline stores.

For example, it may be assumed that offline stores corresponding to A, B, C, and D are densely located in some areas of the building, and beacon signals corresponding to A and D are received by the user's mobile terminal. At this time, the information of the offline stores corresponding to A and D may be obtained as the first check-in information.

In addition, if it is assumed that B and C without beacons are located within a predetermined distance from A and D, the first check-in may be performed by obtaining information of stores corresponding to B and C through the application and the Internet.

Thereafter, the second check-in may be performed on the offline store having the second check-in information received from the mobile terminal, that is, the store entrance information corresponding to the walking state variable, among the A, B, C, and D.

At this time, even if the store entrance of the same structure according to the user's body structure or physical characteristics, the walking pattern identified by check-in may be different. For example, a tall person and a short person may have different numbers of steps required to pass through the entrance of the same store. Therefore, the second check-in information according to the present invention may be measured by reflecting the body structure and body characteristics of the user of the mobile terminal.

The offline payment unit 7250 performs offline payment for offline purchase corresponding to the offline store.

In this case, offline payment may be performed after user authentication for offline purchase.

In this case, the user authentication may be performed in correspondence with the pre-payment authentication and the additional authentication dependent on the pre-payment authentication performed before the product to be purchased or the amount to be paid for the offline payment is determined.

In this case, the pre-payment authentication may be performed through the mobile terminal. For example, when a PIN is input at the mobile terminal, the offline payment processing device may recognize the PIN input to the mobile terminal as authentication information and approve it.

In addition, the pre-payment authentication may be performed through any method that can be performed through the mobile terminal, such as fingerprint recognition, face recognition and voice authentication.

At this time, since the additional authentication is dependent on the pre-payment authentication, the level for authentication may be lower than the pre-payment authentication. That is, since the pre-payment authentication for offline payment has already been performed to the user through the mobile terminal, the additional authentication can be performed as simply as possible so that the process of performing the offline purchase by the user is not cumbersome.

For example, additional verification prints a picture or phone number of a user who wants to buy a product at an offline store, and the store clerk checks the face or phone number of the user who approached the POS to make a purchase. Can be approved.

The storage unit 7260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage unit 7260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. In this case, the storage unit 7260 may operate as a separate mass storage, and may include a control function for performing an operation.

By using such an offline payment processing device, in the offline payment technology using a mobile terminal, it overcomes the beacon-based check-in limit of overlapping areas and unstable perception based on the second check-in, and more accurately and effectively detects the offline store visited by the user. I can figure it out.

In addition, check-in is possible for an offline store without beacons.

In addition, an offline store without beacons can be saved to save the cost of installing beacons for check-in.

Referring to FIG. 47, a mobile terminal according to an embodiment of the present invention may include a first check-in information collecting unit 7310, a second check-in information collecting unit 7320, a check-in information providing unit 7330, and a payment performing unit 7340. ).

The primary check-in information collector 7310 collects primary check-in information for the offline store based on the beacon.

At this time, the first check-in information may be collected using a technology such as BLE (Bluetooth low energy) technology, Wi-Fi and GPS. For example, when a device such as a beacon is installed at the entrance of the offline store, and the user enters the signal area of the beacon, the user may acquire information of the offline store included in the beacon signal by receiving the beacon signal.

The second check-in information collector 7320 collects the second check-in information based on the walking state variable by measuring the walking state information of the user.

In this case, the second check-in information corresponding to the walking state variable may be generated based on the measured value measured using the acceleration sensor, the geomagnetic sensor, the gyro sensor, or the like.

For example, it may be assumed that a user enters an offline store through a structure installed at the entrance of a specific offline store by the letter S. At this time, as the user enters the store, an excessive S-shaped structure induces the S-shaped walking of the user, and a walking state variable related thereto may be generated.

At this time, if the first check-in information is not collected, the second check-in information may not be collected. For example, even if the second check-in information is collected before the first check-in information is collected, the walking state information collected in this process may correspond to useless information. That is, since only the power of the mobile terminal is wasted, when the first check-in information is obtained and the user moves to the area where the offline stores are located, it is possible to prevent unnecessary power waste by activating the walking state measurement function.

The check-in information provider 7330 transmits the first check-in information and the second check-in information to the server.

In this case, the first check-in information and the second check-in information may be transmitted to the server through an application installed in the mobile terminal.

The payment performing unit 7340 transmits authentication information corresponding to user authentication to a server in order to perform offline payment corresponding to the offline store where the user enters, and receives a result of the offline payment.

48 to 53, a user may first enter an offline store with a terminal.

At this time, the first check-in information for the mobile terminal of the user may be acquired based on the beacon which is a BLE-based short-range data communication technology.

In this case, as shown in FIG. 48, the first check-in list 7410 may be generated to obtain information of the store in which the beacon signal is received by the user's mobile terminal.

Thereafter, the second check-in information may be obtained based on the walking state information from the mobile terminal of the user, and the offline store may be detected based on the second check-in information.

In this case, the second check-in information may be a walking state variable corresponding to the walking state of the user. That is, it is possible to measure the walking information when the user enters the offline store, and generate a walking state variable that can be compared with the store entry information based on the measured information.

Therefore, one of the plurality of candidate offline stores extracted based on the first check-in information may be searched for any one offline store corresponding to the walking state variable, which is the second check-in information, and detected as an offline store entered by the user.

For example, as shown in FIG. 49, the product benefit screen 7510 may be output to the user through an application installed in the mobile terminal.

In this case, the product benefit screen 7510 may include discount information or coupon information corresponding to the offline store where the user entered. In this case, when the mobile terminal is locked, the product benefit screen 7510 may output the discount information and the coupon information together with the payment button on the lockscreen 7512 of the mobile terminal. In addition, the product benefit screen 7510 may output discount information and coupon information along with a payment button on the BLE Noti 7511 of the mobile terminal.

Thereafter, the mobile terminal may access the application server based on the product benefit screen 7510. For example, when the user selects a body region indicating discount information and coupon information on the product benefit screen 7510 of the mobile terminal, as shown in FIG. 50, the detailed screen 7610 of the store provided by the application server may be output to the terminal. Can be.

In this case, the detailed screen 7610 of the store may include information corresponding to the offline store, detailed discount information, and coupon information. In addition, the payment button may be output through the detailed screen 7610 of the store so that the user may proceed with the procedure for offline payment at the corresponding offline store at any time.

For example, when the user selects the payment button displayed on the detailed screen 7610 or the product benefit screen 7510 of the store, the payment PIN is performed as shown in FIG. 51 to perform pre-payment authentication corresponding to the purchase in the store. The input screen 7710 may be output. That is, based on an application server linked through an application, authentication information for offline payment in a corresponding offline store may be input using a mobile terminal.

In this case, the pre-payment authentication may use a method of authenticating a picture image gesture or a method of authenticating a touch gesture in addition to the method of inputting a PIN as shown in FIG. 51.

Thereafter, when the pre-payment authentication of the user is completed, the user may move to the POS corresponding to the offline store with the product to be purchased at the offline store. At this time, the user may perform additional authentication for payment of goods.

For example, when a user submits a product to be purchased and recognizes it to the POS, payment information using an application pay may be output on the payment screen 7810 of the POS together with information of the user who has completed the pre-payment authentication as shown in FIG. 52. At this time, the clerk can perform additional authentication by comparing the information of the user output to the POS with the buyer who actually purchases the product. Or a method in which a user has a mobile terminal in a payment zone near a POS, generates a movement gesture pattern using the mobile terminal in a payment zone, inputs a touch pattern on a sign pad connected to the POS, and crosspoint patterns on the sign pad. Additional authentication may be performed by performing a method of inputting a questionnaire and a question-and-answer method based on user information.

Thereafter, when the additional authentication is completed, payment through the application pay is performed, and the application server may inform the mobile terminal and the POS of the user whether the payment through the application pay was successfully performed.

For example, as shown in FIG. 53, if the payment using the application pay is successful, the payment success message 7711 may be transmitted. If the payment using the application pay fails, the payment failure message 7912 may be transmitted.

In this case, the payment success message 7111 may display the name of the paid offline store, a payment method, and a payment amount.

In addition, the payment failure message 7912 may be provided with a payment button to perform the payment again. In this case, when the user clicks the button for making a payment, the screen for making a payment 7913 may be provided to the mobile terminal.

Referring to FIG. 54, it can be seen that the location of the mobile terminal 8000 of the user is where the beacon signal regions of the

offline stores

8010, 8020, 8030, and 8040 overlap.

That is, the mobile terminal 8000 may include the beacon signal of the beacon 8011 installed in the offline store 8010, the beacon signal of the beacon 8301 installed in the offline store 8020, and the beacon 8031 of the beacon 8030 installed in the offline store 8030. Both the beacon signal and the beacon signal of the beacon 8040 installed in the offline store 8040 may be received.

In this case, the mobile terminal 8000 may generate primary check-in information for each of the beacon signals received from the

beacons

8011, 8021, 8031, and 8041 and transmit the generated primary check-in information to the server through the application.

Referring to FIG. 55, it can be seen that the user 8210 tries to enter the door 8120 of the offline store with the mobile terminal 8111.

At this time, if it is assumed that the mobile terminal 8111 has already been checked in at a plurality of stores, the mobile terminal 8111 may be used for entry structures through which the user 8110 enters and exits the door 8120 of the offline store. Walking state measurement can be performed.

For example, when the user 8210 walks through the S-shaped passage 8130 through the door 8120 of the offline store, the user 8110 uses a geomagnetic sensor and a gyro sensor included in the mobile terminal 1211. The walking direction of can be measured. Accordingly, the user 8110 may generate walking state information corresponding to the S-shaped passage 8130 based on the walking direction and the number of steps measured while passing through the S-shaped passage 8130.

In addition, when the user 8210 passes through the S-shaped passage 8130 and passes the staircase structure 8140, the mobile terminal 8111 detects that the user 8110 climbs the stairs and generates corresponding walking state information. Can be.

That is, according to FIG. 55, a gait state variable having a pattern of an S-shaped passage 8130, a staircase structure 8140, and a straight passage 8250 is received from a mobile terminal 8111 which is first checked in for various offline stores. can do.

Accordingly, the mobile terminal 8111 acquires store entry information or store specific variable for the plurality of candidate offline stores that are checked in first, and compares it with the walking state variable corresponding to FIG. 8110 may be detected as an entered offline store.

Referring to FIG. 56, in the offline payment processing method according to an embodiment of the present invention, at least one primary check-in information corresponding to a mobile terminal of a user is obtained (S8210).

In addition, the offline payment processing method according to an embodiment of the present invention obtains the second check-in information based on the walking state information corresponding to the mobile terminal (S8220).

In addition, the offline payment processing method according to an embodiment of the present invention detects the offline store entered by the user using the first check-in information and the second check-in information (S8230). That is, after performing the first check-in based on the first check-in information, it is possible to detect the second check-in store among the offline check-in stores.

In addition, the offline payment processing method according to an embodiment of the present invention performs offline payment for offline purchase corresponding to the offline store (S8240).

In this case, the user authentication may be performed in correspondence with the pre-payment authentication and the additional authentication dependent on the pre-payment authentication that is made before the product to be purchased or the amount to be paid for the offline payment is determined.

In addition, although not shown in Figure 56, the offline payment processing method according to an embodiment of the present invention transmits and receives information required for offline payment processing with the mobile terminal of the user through a communication network, such as a network. In particular, the first check-in information and the second check-in information may be received from the mobile terminal, and information corresponding to the offline payment process may be provided to the mobile terminal.

In addition, although not shown in Figure 56, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

In the offline payment technology using a mobile terminal through such offline payment processing method, it is possible to more accurately and effectively identify the offline store visited by the user by overcoming the overlapping area and unstable perception, which is the beacon-based check-in limit, based on the second check-in. Can be.

In addition, check-in is possible for an offline store without beacons.

Referring to FIG. 57, the offline payment processing method according to an embodiment of the present invention collects first check-in information for an offline store based on a beacon (S8310).

In addition, the offline payment processing method according to an embodiment of the present invention measures the walking state information of the user and collects the second check-in information based on the walking state variable (S8320).

In addition, the offline payment processing method according to an embodiment of the present invention transmits the first check-in information and the second check-in information to the server (S8330).

In addition, the offline payment processing method according to an embodiment of the present invention transmits the authentication information corresponding to the user authentication to the server to perform the offline payment corresponding to the offline store entered by the user, and receives the result of the offline payment (S8340).

Referring to FIG. 58, the offline payment processing method according to an embodiment of the present invention first obtains first check-in information (S8410).

In this case, the first check-in information may be obtained using a technology such as BLE (Bluetooth low energy) technology or Wi-Fi and GPS.

Thereafter, a plurality of candidate offline stores are extracted based on the first check-in information (S8420).

In this case, at least one of the at least one offline store corresponding to the first check-in information and the at least one offline store located within a predetermined distance from the at least one offline store may be extracted as a plurality of candidate offline stores.

That is, since the user may enter the offline store without the beacon installed, the offline store located close to the location of the checked-in offline store may be extracted as the candidate offline store.

Thereafter, second check-in information is acquired (S8430).

In this case, the second check-in information may be generated based on a walking state measurement function of the activated mobile terminal after generating the first check-in information.

Thereafter, the walking state variable corresponding to the store entry information and the second check-in information of each of the plurality of candidate offline stores is compared (S8440).

In this case, the store entry information may be a walking state variable corresponding to the store specific variable. That is, the store-specific variable defined corresponding to a specific offline store may be defined as a pattern corresponding to a structure installed at the entrance of the store. Therefore, the walk state variable to be generated when the user enters the store through the store entry information may be predicted.

Thereafter, it is determined whether the store entry information and the walking state variable correspond (S8445).

That is, it may be determined whether the walking state variable predicted corresponding to the store entry information or the walking specialty variable corresponding to the store entry information and the walking state variable acquired through the mobile terminal match.

At this time, it is possible to determine by comparing the walking state variable for each of the plurality of candidate offline stores.

If the determination result of step S8445 corresponds to the store entry information and the walking state variable, the corresponding offline store is detected as an offline store entered by the user (S8450).

Thereafter, user authentication for offline payment is performed (S8460), and offline payment corresponding to the offline store is performed (S8470).

At this time, user authentication using the mobile terminal of the user may be performed.

In addition, the result of the offline payment may be transmitted to at least one of the mobile terminal of the user and the POS of the offline store where the offline payment was performed.

In addition, if the determination result of step S8445 does not correspond to the store entry information and the walking state variable, it is determined whether there is another candidate offline store to be compared with the walking state variable (S8455).

For example, assuming that there are a total of five candidate offline stores from 1 to 5, it is possible to determine whether the corresponding stores are suppressed by the user from the candidate offline stores corresponding to the first. At this time, if the store entry information of the candidate offline store corresponding to the first time does not correspond to the walking state variable corresponding to the second check-in information, it may be determined whether there is a candidate offline store to be compared with the walking state variable.

If there is another candidate offline store to be compared with the walking state variable as a result of the determination in step S8455, the store entry information and the walking state variable of the corresponding candidate offline store are compared (S8440).

That is, according to the above example, since the store entry information for each of the four candidate offline stores 2 to 5 has not yet been compared with the walking state variable, it may be determined that there are candidate offline stores to be compared.

In addition, if the candidate offline store to be compared with the walking state variable no longer exists as a result of the determination in step S8455, it is determined that the check-in error is notified to the user's mobile terminal (S8480).

For example, measurement errors may occur in the process of collecting the first check-in information and the second check-in information, such that a plurality of candidate offline stores may be extracted not corresponding to the location of the user's mobile terminal.

Therefore, in such a case, the mobile terminal of the user may be notified of an error in check-in, and may wait for a later operation.

In addition, after notifying an error in check-in to the user's mobile terminal, the user may directly request the user to input which offline store he / she is currently visiting.

Computer-readable media suitable for storing computer program instructions and data include, for example, magnetic media such as hard disks, floppy disks, and magnetic tape, such as magnetic disks, compact disk read only memory (CD-ROM), and DVDs. Optical Media such as Digital Video Disk, Magnetic-Optical Media such as Floppy Disk, and Read Only Memory, RAM, Random Semiconductor memories such as access memory (EPM), flash memory, erasable programmable ROM (EPROM), and electrically erasable programmable ROM (EEPROM). The processor and memory can be supplemented by or integrated with special purpose logic circuitry. Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Although the specification includes numerous specific implementation details, these should not be construed as limiting to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. In certain cases, multitasking and parallel processing may be advantageous. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

On the other hand, the embodiments of the present invention disclosed in the specification and drawings are merely presented specific examples for clarity and are not intended to limit the scope of the present invention. It is apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

According to the present invention, location information of a corresponding user device entering a store based on signal strengths transmitted from a plurality of beacons transmitted from a user device in a service providing device, and PDR information such as speed and direction according to the movement of the user device. And the object corresponding to the user of the user device in the image information based on the image information transmitted from the plurality of photographing apparatuses provided in the store, and the user information corresponding to the identification information of the corresponding user device. It provides a tracking function of the corresponding object according to the movement of the user of the corresponding user device, can easily track the object in the image, and efficiently provides various services according to the movement of the user in the store, In order to improve the convenience of users and increase the satisfaction of users, , The advertisement field, the service providing device field, the user device field, the POS terminal field, and the payment server field may be widely used.

In addition, according to the present invention performs the first authentication for the offline purchase corresponding to the offline store entered by the user, the authentication of the second authentication dependent on the first authentication based on the walking status information corresponding to the mobile terminal of the user The level may be adjusted and secondary authentication may be performed according to the authentication level. Furthermore, it is possible to perform a more secure secondary authentication based on the measurement of the walking state, it is possible to reduce the risk of fraudulent settlement when providing an offline payment service using a mobile terminal.

Further, according to the present invention, whether the mobile terminal enters the predetermined payment area based on the first authentication for the offline purchase corresponding to the offline store entered by the user and the walking state information corresponding to the mobile terminal of the user. When the mobile terminal enters the preset payment area, the second terminal may perform second authentication dependent on the first authentication. In addition, it is possible to perform a more accurate secondary authentication based on the walking state measurement, it is possible to prevent the risk of fraudulent settlement when providing offline payment service using a mobile terminal.

In addition, according to the present invention to obtain the check-in information corresponding to the offline store entered by the user, to obtain the walking state information corresponding to the mobile terminal of the user, to check out the mobile terminal from the offline store based on the walking state information Can be. In addition, since the mobile terminal can accurately check out the mobile terminal without the beacon installed, it is possible to provide an efficient offline payment service while reducing the cost for installing the beacon.

In addition, according to the present invention obtains at least one primary check-in information corresponding to the mobile terminal of the user, obtains the secondary check-in information based on the walking state information corresponding to the mobile terminal, the primary check-in information and secondary The check-in information may be used to detect the offline store where the user entered. In addition, even in an area where a plurality of offline stores are located and overlapping beacon signals, it is possible to efficiently check in the store more accurately than the existing check-in method, thereby effectively providing an application pay service.

Claims

A plurality of beacons respectively installed at a plurality of preset locations of a store and transmitting identification information of a beacon, a service place name, and location information of the beacon, respectively;

When visiting the store, one or more signals including identification information of a beacon, a service place name, and location information of the beacon transmitted from at least one beacon among the plurality of beacons are received, and based on the received strength of the received one or more signals. Check location information of the user device in the store, transmit the identification information of the beacon, the location of the identified user device and the identification information of the user device, and PDR (Pedestrian Dead Reckoning) according to a preset movement or motion detection. A user device for acquiring information and transmitting the obtained PDR information;

A plurality of photographing apparatuses respectively installed at a plurality of preset locations of the store to acquire image information in real time and to transmit the obtained image information and unique identification information of the photographing apparatus; And

Recognizing an object in the image information transmitted from the photographing apparatus, comparing the positional information of the object recognized in the image information with the positional information of the space of the user device and the PDR information, and in the image information Payment system comprising a service providing device for matching the recognized object and the user of the user device.
The method according to claim 1,

The user device is

A payment system, characterized in that for converting the received signal strength of the received signal into a distance using a predetermined signal propagation modeling, and confirming the location information of the user device from the location information of the beacon based on the converted distance. .
The method according to claim 1,

The user device is

Check the signal having the largest received signal strength among the one or more received signals, and set location information of the beacon which transmitted the signal having the highest received signal strength as location information of the user device; system.
The method according to claim 1,

The service providing device

And match the user information related to the matched object with the user device.
The method according to claim 1,

The service providing device

And a tracking function of the object corresponding to the user of the user device within a plurality of additional image information provided through the plurality of photographing devices in real time.
The method according to claim 1,

The service providing device

Location information of the object corresponding to the user of the user device which is confirmed in real time, purchase history information of the user device, pre-stored copper wire information of the user device and surroundings according to spaces of the user device stored in advance And providing at least one piece of information of at least one coupon and a recommended shopping path to the user device based on the product information.
Transmitting identification information of a beacon, a service place name, and location information of the beacon through a plurality of beacons respectively installed at a plurality of preset locations of a store;

Receiving, via a user device, one or more signals including identification information of a beacon, a service place name, and location information of the beacon transmitted from at least one beacon of the plurality of beacons when visiting a store;

Confirming, via the user device, location information of the user device in the store based on the received strength of the received one or more signals;

Transmitting, via the user device, identification information of the beacon, location of the identified user device, and identification information of the user device;

Acquiring PDR information according to a preset movement or motion detection through the user device and transmitting the obtained PDR information and identification information of the user device;

Transmitting image information acquired in real time and unique identification information of the photographing apparatus through a plurality of photographing apparatuses respectively installed at a plurality of preset different locations of the store;

Recognizing an object in the image information transmitted from the photographing apparatus through a service providing apparatus; And

By using the service providing device, the location information of the object recognized in the image information is compared with the location information in the space of the user device and the PDR information, and the user of the user device and the object recognized in the image information are compared. Control method of the payment system comprising the step of matching.
The method according to claim 7,

One or more advertisement information, one or more benefit information, and a recommendation card transmitted from the service providing device in response to the identification information of the beacon, the identified location of the user device, and identification information of the user device, through the user device; Displaying a list;

Transmitting, through the user device, a payment card type selected according to a user input, a PIN number corresponding to the payment card type, and identification information of the user device; And

Maintaining, through the service providing device, the payment card type transmitted from the user device, a PIN number corresponding to the payment card type, and identification information of the user device in association with each other, and maintaining a check-in state for simple payment; Control method of a payment system, characterized in that it further comprises.
The method according to claim 7,

Matching the matched object with user information related to the user device through the service providing device;

Performing a tracking function on the object corresponding to the user of the user device in the plurality of additional image information provided through the plurality of photographing devices in real time through the service providing device;

Through the service providing device, the location information of the object corresponding to the user of the user device checked in real time, the purchase history information of the user device, the pre-stored moving line information of the user device, and the previously stored user device of the user device. Providing at least one information of at least one of a coupon and a recommended shopping path to the user device based on the surrounding product information according to the time spent in each space;

Displaying, by the user device, at least one information of at least one coupon and a recommended shopping route transmitted from the service providing device;

Performing a payment function by interworking the service providing device, the POS terminal, and the payment server with respect to at least one of one or more goods and services to be selected by the user of the user device at a specific corner through the user device; ; And

And displaying a result of performing a payment function according to a payment function performed from the service providing device through the user device.
A primary authentication unit performing primary authentication for offline purchases corresponding to an offline store entered by a user;

An authentication level adjusting unit for adjusting an authentication level of secondary authentication dependent on the first authentication based on walking state information corresponding to the mobile terminal of the user; And

Second authentication unit performing the second authentication corresponding to the authentication level

Offline payment processing device comprising a.
The method according to claim 10,

The authentication level adjusting unit

And detecting that an abnormal state has occurred in the user when the walking state variable corresponding to the walking state information corresponds to at least one abnormal state operation, and improving the authentication level.
The method according to claim 11,

The at least one abnormal state operation is

And an operation of satisfying at least one abnormal state condition set based on the offline store.
The method according to claim 11,

The walking state information is

Obtained by activating the walking state measurement function of the mobile terminal in the case of obtaining the check-in information corresponding to the offline store and at least one of when the first authentication is completed,

An offline payment processing apparatus comprising a step frequency, a step size, and a heading.
The method according to claim 11,

The authentication level adjusting unit

And improving the authentication level by using at least one of a method of adding an element considered in the second authentication and a method of releasing and re-authenticating the first authentication.
A primary authentication unit performing primary authentication for offline purchases corresponding to an offline store entered by a user; And

It is determined whether the mobile terminal enters the preset payment area based on walking state information corresponding to the mobile terminal of the user, and when the mobile terminal enters the preset payment area, it is dependent on the first authentication. Second authentication part that performs second authentication

Offline payment processing device comprising a.
The method according to claim 16,

The second authentication unit

And when the walking state variable corresponding to the walking state information corresponds to an entry operation of the predetermined payment area, determine that the mobile terminal has entered the predetermined payment area, and perform the second authentication. Offline payment processing unit.
Check-in information acquisition unit for obtaining the check-in information corresponding to the offline store entered by the user; And

A checkout performing unit for checking out the mobile terminal from the offline store based on the obtained check-in information and walking state information corresponding to the mobile terminal of the user

Offline payment processing device comprising a.
The method according to claim 17,

The checkout performing unit

And determining whether the walking state variable corresponding to the walking state information corresponds to the checkout operation of the offline store corresponding to the check-in information, and performing the checkout.
A primary check-in information obtaining unit for obtaining at least one primary check-in information corresponding to the mobile terminal of the user;

A second check-in information obtaining unit obtaining second check-in information based on walking state information corresponding to the mobile terminal; And

An offline store detector for detecting an offline store entered by the user using the first check-in information and the second check-in information;

The first check-in information is check-in information based on beacons, the second check-in information is check-in information based on walking state variables,

And the second check-in information is generated based on a walking state measurement function of the mobile terminal activated after generating the first check-in information.
The method according to claim 19,

The offline store detection unit

And extracting a plurality of candidate offline stores based on the first check-in information, and detecting an offline store entered by the user from among the plurality of candidate offline stores based on the walking state information. .