WO2020184815A1 - Procédé de paiement automatique mobile basé sur un mot de passe à usage unique et système l'utilisant - Google Patents

Procédé de paiement automatique mobile basé sur un mot de passe à usage unique et système l'utilisant Download PDF

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Publication number
WO2020184815A1
WO2020184815A1 PCT/KR2019/017736 KR2019017736W WO2020184815A1 WO 2020184815 A1 WO2020184815 A1 WO 2020184815A1 KR 2019017736 W KR2019017736 W KR 2019017736W WO 2020184815 A1 WO2020184815 A1 WO 2020184815A1
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Prior art keywords
processing device
payment processing
payment
mobile device
service server
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PCT/KR2019/017736
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English (en)
Korean (ko)
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강민
목인경
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강민
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

Definitions

  • the present invention relates to a one-time password (OTP)-based mobile automatic payment method and a system using the same, and more specifically, an OTP-based mobile in which mobile payment is automatically made without a user directly manipulating a mobile device during a transaction. It relates to an automatic payment method and a system using the same.
  • OTP one-time password
  • this simple payment method is also a method that is possible only when the mobile device is taken out, and there is a problem that a waiting time may occur in the process, since the mobile device must be taken out to run the application.
  • a payment password there is a risk of leakage of the payment password, which may cause security problems.
  • the present invention was created to solve the above problems, and an object of the present invention is to simplify the mobile payment process, and if the user inputs the identification information previously set in the payment processing device without separate operation of the mobile device It is to provide a mobile automatic payment method and system based on One Time Password (OTP) that automatically makes mobile payments.
  • OTP One Time Password
  • an object of the present invention is to provide an OTP-based mobile automatic payment method and system that enhances the security of mobile payments using OTP.
  • the user identification information may be matched with the mobile device.
  • the step (b) comprises: receiving, by the service server, an OTP of a payment processing device generated from a mobile automatic payment program using an OTP installed in the payment processing device; And checking, by the service server, the validity of the payment processing device using the payment processing device identification information and the OTP of the payment processing device. It may include.
  • the step (b) includes: receiving, by the service server, at least one of real-time location information or communication access information of the payment processing device; It may further include.
  • the mobile device may be characterized in that the short-range communication mode is turned on by receiving a short-range communication activation signal from the service server.
  • the short-range communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, NFC communication, and Wi-Fi.
  • the step (d) includes, by the mobile device, broadcasting a first OTP generated from a mobile automatic payment program using an OTP installed in the mobile device according to a command of the service server; Broadcasting, by the payment processing device, a second OTP generated in a mobile automatic payment program using an OTP installed in the payment processing device according to a command of the service server; And detecting, by the mobile device and the payment processing device, each other's short-range communication unit names for a predetermined time by short-range communication. And when the mobile device detects the second OTP and the payment processing device detects the first OTP, the mobile device and the payment processing device are authenticated with each other.
  • the step (d) includes the steps of measuring, by the mobile device, a first distance from the mobile device to the payment processing device by short-range communication; Measuring a second distance from the payment processing device to the mobile device by short-range communication of the payment processing device; And determining, by the service server, whether the first distance and the second distance are within a set distance by receiving the first distance and the second distance. It may further include.
  • the step (d) comprises: receiving, by the service server, an OTP of a mobile device generated by a mobile automatic payment program using an OTP installed in the mobile device; And checking, by the service server, the validity of the mobile device by using the OTP of the mobile device. It may further include.
  • the user identification information may be matched with the mobile device.
  • the user identification information may include at least one payment source, and the user identification information may have a different value for each payment source.
  • An OTP-based mobile automatic payment system includes a mobile device having a short-range communication function and installed with a mobile automatic payment program using OTP; A payment processing device in which a mobile automatic payment program using the OTP is installed, and for a user to request a payment online or offline; And the OTP generated by the mobile automatic payment program using the OTP installed in the mobile device and the payment processing device, respectively, to check the validity of the mobile device and the payment processing device, and generated in the mobile automatic payment program using the OTP.
  • the service server receives the OTP of the payment processing device generated by the mobile automatic payment program using the OTP installed in the payment processing device, and uses the payment processing device identification information and the OTP of the payment processing device. It can be characterized by confirming justification.
  • the mobile device may be characterized in that the short-range communication mode is turned on by receiving a short-range communication activation signal from the service server.
  • the short-range communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, NFC communication, and Wi-Fi.
  • the mobile device and the payment processing device broadcasting a first OTP generated by a mobile automatic payment program using an OTP installed in the mobile device; Broadcasting, by the payment processing device, a second OTP generated in a mobile automatic payment program using an OTP installed in the payment processing device according to a command of the service server; And detecting, by the mobile device and the payment processing device, each other's short-range communication unit names for a predetermined time by short-range communication. And, when the mobile device detects the second OTP and the payment processing device detects the first OTP, the mobile device and the payment processing device are authenticated with each other.
  • the distance measured by the mobile device from the mobile device to the payment processing device by short-range communication and the distance measured by the payment processing device from the payment processing device to the mobile device by short-range communication are all set distances. If determined to be within, it may be characterized in that the payment request is approved.
  • the service server receiving user identification information from the payment processing device; Providing, by the service server, a name of a short-range communication unit of the payment processing device to a mobile device corresponding to the user identification information, and providing a name of a short-range communication unit of the mobile device to the payment processing device; And receiving, by the service server, information indicating whether short-range communication between the payment processing device and the mobile device is possible, from the payment processing device or the mobile device.
  • the service server determines that short-range communication between the payment processing device and the mobile device is possible, a subsequent step of approving a payment request requested from the payment processing device using a payment source according to the user identification information
  • the mobile device is configured to broadcast the name of the short-range communication unit of the mobile device
  • the payment processing device is configured to broadcast the name of the short-range communication unit of the payment processing device.
  • the subsequent step may be executed only when the service server determines that short-range communication is possible between the payment processing device and the mobile device.
  • the name of the near field communication unit of the payment processing device may be a second OTP generated by the payment processing device
  • the name of the near field communication unit of the mobile device may be a first OTP generated by the mobile device
  • the time taken to execute the application of the mobile device is omitted, thereby enabling fast payment.
  • OTP One Time Password
  • the short-range communication mode since the short-range communication mode is turned on by receiving a short-range communication activation signal from the service server, unnecessary battery consumption of the mobile device can be prevented.
  • FIG. 1 is a system diagram of a mobile automatic payment system based on One Time Password (OTP) according to an embodiment of the present invention.
  • OTP One Time Password
  • FIG. 2 is a block diagram of a mobile device providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • FIG. 3 is a block diagram of a service server providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • FIG. 4 is a block diagram of a payment processing device providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • FIG. 6 is a flowchart illustrating an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • first and second are used to distinguish one component from other components, and the scope of rights is not limited by these terms.
  • a first component may be referred to as a second component, and similarly, a second component may be referred to as a first component.
  • the identification code (for example, a, b, c, etc.) is used for convenience of explanation, and the identification code does not describe the order of each step, and each step is clearly in a specific order in context. Unless otherwise stated, it may occur differently from the specified order. That is, each of the steps may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.
  • the present invention can be implemented as computer-readable codes on a computer-readable recording medium
  • the computer-readable recording medium includes all types of recording devices storing data that can be read by a computer system.
  • Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like, and are implemented in the form of a carrier wave (for example, transmission over the Internet). Also includes. Further, the computer-readable recording medium is distributed over a computer system connected by a network, so that the computer-readable code can be stored and executed in a distributed manner.
  • FIG. 1 is a system diagram of a mobile automatic payment system based on One Time Password (OTP) according to an embodiment of the present invention.
  • OTP One Time Password
  • an OTP-based mobile automatic payment system includes a short-range communication 100, a mobile device 200, a service server 300, a payment processing device 400, and a financial institution server 500. Includes.
  • the short-range communication 100 means short-range communication that can be utilized to perform the OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • the short-range communication 100 may be one of Bluetooth communication, high-frequency communication, RFID communication, beacon communication, NFC communication, and Wi-Fi, but is not limited thereto.
  • short-range communication units 270 and 470 may be integrally included in the mobile device 200 and the payment processing device 400 described in detail below, or may be provided detachably.
  • the mobile device 200 refers to a mobile device that is carried by a user during mobile automatic payment using an OTP-based mobile automatic payment method, and has a short-range communication and communication function through a communication company, thereby serving as an authentication means for payment.
  • This may include smartphones, tablet PCs, mobile PCs, and various wearable devices.
  • the mobile device 200 is equipped with a mobile automatic payment program (not shown) using OTP in order to perform the OTP-based mobile automatic payment method according to an embodiment of the present invention, and the user uses the mobile device 200 You may have already signed up for membership and automatically logged in to a mobile automatic payment program using OTP.
  • the service server 300 includes the mobile device 200 and the payment processing device 400 when a user has already registered as a member and is automatically logged into a mobile automatic payment program using OTP through the mobile device 200.
  • Mobile automatic payment program using the OTP installed in the mobile device 200 and the payment processing device 400 by activating the mobile automatic payment program when the distance between them is connected by wire or wireless to the specified specific distance.
  • Each of the OTPs generated in may be received to authenticate the mobile device 200 and the payment processing device 400, and approve a payment request.
  • the payment processing device 400 is provided with a communication function through short-range communication and a communication company, so that when a user inputs user identification information for payment in an online and offline payment environment, the user does not need to operate the mobile device 200. It means a device that can pay.
  • the payment processing device 400 is all devices that can perform offline payment functions, such as POS (Post Of Sale), kiosk (KIOSK), smartphones and tablet PCs, wearable devices and various mobile communication devices in offline stores. This may be the case.
  • the payment processing device 400 is equipped with a mobile automatic payment program (not shown) using OTP in order to perform the OTP-based mobile automatic payment method according to an embodiment of the present invention, and the payment processing device 400 is an OTP You may have already signed up and logged in to the mobile automatic payment program using.
  • the financial institution server 500 refers to a server that determines whether payment is possible using user identification information and payment information mediated through the service server 300. It refers to all companies that provide payment services such as credit card companies, banks, and Internet banks.
  • FIG. 2 is a block diagram of a mobile device 200 that provides an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • a mobile device 200 includes a data transmission/reception unit 210 for transmitting and receiving data to and from the service server 300, an OTP generation unit 230, a distance calculation unit 250, and A short-range communication unit 270 may be included.
  • the mobile device 200 may generate an OTP in the OTP generation unit 230 using an OTP-based mobile payment program. Since the OTP is generated in synchronization with the OTP generator of the service server, the service server can use it to check the validity of the mobile device 200.
  • the distance calculating unit 250 may measure a first distance from the mobile device 200 to the payment processing device 400 through short-range communication.
  • the short-range communication unit 270 may broadcast the name of the short-range communication unit of the mobile device 200 from the service server, and detect the name of the short-range communication unit of the payment processing device.
  • FIG. 3 is a block diagram of a service server 300 that provides an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • the service server 300 includes a data transmission/reception unit 310, an OTP-based mobile automatic payment DB 330, a validity check unit 350, a command unit 370, and a distance.
  • a determination unit 390 and a payment availability check unit 395 may be included.
  • the user's subscription information of a mobile automatic payment program using OTP user identification information, payment log, mobile device 200 or payment processing device 400 matching each user, identification information,
  • An OTP generation unit 331 and an OTP determination unit 333 for generating OTP in synchronization with OTP generated for each mobile device and payment processing device may be included.
  • User identification information is set when a user subscribes to a mobile automatic payment program using OTP through the mobile device 200 or before the mobile automatic payment method according to an embodiment of the present invention, and means all information that can identify the user. can do.
  • it may be a text created by combining some or all of numbers, letters, and special symbols, or a user's biometric information such as a user's fingerprint, voice, or iris, or a vehicle registration number.
  • the user identification information may be matched 1:1 with the user's mobile device, and a single mobile device may include a plurality of user identification information.
  • the user identification information may vary depending on the payment source. For example, user identification information may be set differently for each of the user's first card, second card, and third card, so that the user selects a payment card to pay according to the user identification information input to the payment processing device. I can.
  • each user identification information may be 1:1 matched with the payment source used by the user.
  • the user can select a payment card using different user identification information without taking out the mobile device.
  • the service server 300 may receive a short-range communication unit name and a distance calculation value sensed by the mobile device 200 and the payment processing device 400 through the data transmission/reception unit 310.
  • the OTP generation unit 331 is synchronized with the OTP generation unit of the mobile device or payment processing device on which the mobile automatic payment program is installed to generate the OTP in the same manner.
  • the OTP determination unit 333 determines whether the OTP received from the mobile device and the payment processing device and the OTP generated by the OTP generation unit 331 are the same.
  • the validity check unit 350 compares the OTP generated in the OTP-based mobile automatic payment DB according to the OTP generation method of the corresponding payment processing device from the identification information of the payment processing device with the OTP generated in the payment processing device. The validity of the payment processing device can be confirmed. In addition, in the OTP-based mobile automatic payment DB, the validity of the payment processing device may be verified by comparing the OTP generated according to the OTP generation method of the corresponding mobile device with the OTP generated by the mobile device.
  • the command unit 370 is a short-range communication device activation command unit 371 that issues an activation command of the short-range communication unit to the mobile device, and transmits the name of each short-range communication unit to the mobile device and the payment processing device, and the mobile device and the payment processing device Instructing the broadcasting command unit 373 and the mobile device to calculate the first distance from the mobile device to the payment processing device and the second distance from the payment processing device to the mobile device.
  • a distance calculation command unit 375 may be included.
  • the distance determination unit 390 may determine whether the mobile device and the payment processing device are within a distance in which short-range communication is possible from a distance received from the mobile device and the payment processing device.
  • it may further include a payment availability check unit 399 to check whether the payment source can be settled through the financial institution server.
  • FIG. 4 is a block diagram of a payment processing device 400 that provides an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • the payment processing device 400 includes an input unit 405, a data transmission/reception unit 410, an OPT generation unit 430, and a distance calculation unit 450 into which identification information is input by a user. ) And a short-range communication unit 470 may be included.
  • the user may input user identification information through the input unit 405.
  • the input unit 405 may be embedded in the payment processing device 400 or may be attached separately.
  • the payment processing device 400 may generate an OTP in the OTP generation unit 430 by an OTP-based mobile payment program. Since the OTP is generated in synchronization with the OTP generation unit of the service server, the service server can use it to check the validity of the payment processing device 400.
  • the distance calculating unit 450 may measure a second distance from the payment processing device 400 to the mobile device 200 by short-range communication.
  • the short-range communication unit 470 may broadcast the name of the short-range communication unit of the payment processing device 400 from the service server, and detect the name of the short-range communication unit of the mobile device.
  • 5 and 6 are flowcharts illustrating an OTP-based mobile automatic payment method according to an embodiment of the present invention.
  • the OTP-based mobile automatic payment method begins when a user inputs user identification information into the input unit 405 of the payment processing device 400 and requests a payment ( S100).
  • the user identification information is all information that can identify the user, for example, a character created by combining some or all of numbers, characters, special symbols, etc., or a user's biometrics such as a user's fingerprint, voice, iris It may be information, and may be a vehicle registration number.
  • the payment processing device 400 When the user's identification information is input, the payment processing device 400 generates an OTP in the OTP generation unit 430 of the payment processing device 400 installed with a mobile automatic payment program using OTP (S150), and the data
  • the user identification information, the payment processing device identification information, payment information, and the OTP of the payment processing device 400 are transmitted to the service server 300 through the transmission unit 410 (S200).
  • the service server 300 checks the validity of the payment processing device 400 using the identification information of the payment processing device 400 and the OTP of the payment processing device 400 received in step S200 (S300). By comparing the OTP generated by the OTP generation unit 331 corresponding to the identification information of the payment processing device 400 with the OTP of the payment processing device received from the payment processing device 400, the payment processing device 400 Justification can be checked.
  • the OTP-based mobile automatic payment DB 330 of the service server 300 has an OTP generation unit for each payment processing device, and the OTP generation unit is interlocked with the payment processing device 400 to generate OTP in the same manner. Therefore, the payment processing device 400 compares the OTP generated by the OTP generation unit 331 of the OTP-based mobile automatic payment DB 330 of the service server 300 with the OTP generated by the payment processing device 400 You can check the justification of
  • the service server 300 includes location information of the payment processing device 400, such as GPS, cell ID information, or the payment processing device 400. You can receive more information on the connection of the mobile operator. The legitimacy of the payment processing device may be further confirmed by using information when signing up for a mobile automatic payment program using OTP of the payment processing device 400 and the received location information or communication company access information.
  • the short-range communication unit activation command unit 371 of the service server 300 is a mobile device matching the user identification information received from the payment processing device 400.
  • the short-range communication unit activation command is given to the device 200 (S400), and if the validity of the payment processing device 400 is not confirmed, the process returns to step S200.
  • the short-range communication unit 270 of the mobile device 200 turns on the short-range communication unit 270 according to the short-range communication unit activation command of the short-range communication unit activation command unit 371 of the service server, so that the mobile device 200 Can prevent battery consumption.
  • the mobile device 200 since the mobile device 200 is automatically turned on according to the short-range communication unit activation command, the user can proceed with payment without taking out the mobile device 200.
  • the short-range communication unit 270 of the mobile device 200 may turn off the short-range communication mode when payment is completed from the service service.
  • step S500 the broadcasting command unit 373 of the service server 300 transmits the name of the short-range communication unit of the payment processing device 400 to the mobile device 200, and It is ordered to broadcast the name of the local area communication department.
  • the broadcasting command unit 373 of the service server 300 transmits the name of the short-range communication unit of the mobile device 200 to the payment processing device 400, and the broadcasting command unit 375 performs the payment process. Instructs to broadcast the name of the local area communication unit of the device 400.
  • the name of the short-range communication unit of the mobile device 200 is the first OTP generated by the OTP generation unit 230 of the mobile device 200
  • the name of the short-range communication unit of the payment processing device 400 is a payment processing device ( This is the second OTP generated by the OTP generation unit 430 of 400). Therefore, the first OTP may be separate from the OPT used to check the validity of the mobile device 200, and the second OTP may be separate from the OTP used to check the validity of the payment processing device 400. I can.
  • the OTP-based mobile automatic payment DB 330 of the service server 300 has an OTP generation unit for each payment processing device and a mobile device, and the OTP generation unit is interlocked with the corresponding payment processing device or mobile device to generate OTP in the same manner. do. That is, the OTP generation unit of the service server 300 generates the same OTP as the first OTP generated by the mobile device 200 and the second OTP generated by the payment processing device 400, respectively. Accordingly, the broadcasting command unit 373 of the service server 300 transmits the second OTP of the payment processing device 400 to the mobile device 300 and transmits the first OTP of the mobile device 300. Command to broadcast. In addition, the first OTP of the service server 300 is transmitted to the payment processing device 400, and a second OTP of the payment processing device 400 is instructed to broadcast.
  • the OTP-based mobile automatic payment method uses the OTP generated by the OTP generation unit by the mobile automatic payment program using OPT, instead of the name of the short-range communication unit of the mobile device and the payment processing device. And the payment processing device detect each other. Therefore, since the mobile device and the payment processing device detect each other by generating a new OTP whenever there is a payment request, the accuracy is higher than that of the method in which the mobile device and the payment processing device detect each other based on the conventional short-range communication unit name. It increases, and security is strengthened.
  • the distance calculation command unit 375 of the service server 300 issues a distance calculation command using short-range communication to the mobile device 200 and the payment processing device 400 (S550).
  • the mobile device 200 broadcasts the first OTP generated by the mobile device 200 (S600) and detects the second OTP generated by the payment processing device 400 using short-range communication ( S650), the payment processing device 400 broadcasts the second OTP generated in the payment processing device 400 (S600) and detects the first OTP generated in the mobile device 200 using short-range communication. Do (S650). When the mobile device 200 does not detect the second OTP or the payment processing device 400 does not detect the first OPT, the mobile device 200 and the payment processing device 400 are Payment cannot proceed because the payment program cannot be used.
  • the distance calculation unit 250 of the mobile device 200 The first distance from 200 to the payment processing device 400 is calculated and the value is sent to the service server 300, and the distance calculation unit 450 of the payment processing device 400 is the payment processing device The second distance from 400 to the mobile device 200 is sent to the service server 300.
  • the distance determination unit 390 of the service server 300 determines whether the first distance and the second distance are within a set distance (S740).
  • the set distance is a distance at which the mobile device 200 and the payment processing device 400 can detect each other through short-range communication.
  • the validity of the mobile device 200 may be additionally checked.
  • the OTP is generated by the OTP generation unit 230 of the mobile device 200 (S760) and transmits the OTP to the service server 300 (S770).
  • the OTP determination unit 333 of the service server 300 includes the OTP generated by the OTP generation unit 331 corresponding to the identification information of the mobile device 200 and the OTP of the mobile device transmitted from the mobile device 200. It is possible to check the validity of the mobile device 200 by comparing (S780).
  • the OTP-based mobile automatic payment DB 330 of the service server 300 has an OTP generation unit for each mobile device, and the OTP generation unit is interlocked with the mobile device 200 to generate OTP in the same manner. Therefore, by comparing the OTP generated by the OTP generation unit 331 of the OTP-based mobile automatic payment DB 330 of the service server 300 and the OTP generated by the mobile device 200, Justification can be checked.
  • the service server 300 When it is determined that the first distance and the second distance are within a set distance (S740), the service server 300 requests whether payment is possible to the financial institution server 500 (S900).
  • the financial institution server 500 checks the balance of the payment source according to the user identification information input by the user, and determines whether or not the amount of payment is possible (S900). If the financial institution server 500 determines that payment is possible (S930), whether payment is possible is transmitted to the service server 300 (S950).
  • the service server 300 approves the payment request (S970)
  • the OTP-based mobile automatic payment method according to an embodiment of the present invention is terminated.
  • the short-range communication unit 270 of the mobile device 200 may turn off the short-range communication mode when payment is completed from the service service.
  • the legitimacy of the mobile device 200 and the payment processing device 400 is confirmed based on the OTP, and the mobile device 200 and the payment processing device 400 ) Detect each other within a set time by short-range communication, the first distance from the mobile device 200 detected by the mobile device 200 to the payment processing device 400 and the payment detected by the payment processing device 400 When the second distance from the processing device 400 to the mobile device 200 is within the set distance, payment may be made. Therefore, even if the user does not take out the mobile device, if the user's identification information is input into the payment processing device 400, payment is automatically approved by the OTP-based mobile automatic payment method, thereby making the user's payment process convenient. In addition, since the validity of the payment processing device 400 and the mobile device 200 is verified using OTP, security is further improved compared to the conventional mobile automatic payment method.
  • the OTP-based mobile automatic payment method can be implemented as a computer-readable code on a computer-readable recording medium.
  • the computer-readable recording medium includes all types of recording devices that store data that can be read by a computer system. Examples of the recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like.
  • the computer-readable recording medium can be distributed over a computer system connected through a network to store and execute computer-readable codes in a distributed manner.
  • the present invention is not limited to the above embodiments, and the embodiments of the present invention are easily changed by those of ordinary skill in the art to which the present invention pertains. It includes all changes to the extent deemed acceptable.

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  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de paiement automatique mobile comprenant les étapes consistant à : recevoir, par un serveur de service, des informations d'identification d'utilisateur provenant d'un dispositif de progression de paiement; fournir, par le serveur de service, un autre dispositif ayant un nom d'unité de communication en champ proche d'un dispositif quelconque parmi le dispositif de progression de paiement et un dispositif mobile correspondant aux informations d'identification d'utilisateur; et recevoir, par le serveur de service, du dispositif de progression de paiement ou du dispositif mobile, des informations indiquant si une communication en champ proche est possible ou non entre le dispositif de progression de paiement et le dispositif mobile. Lorsque le serveur de service détermine que la communication en champ proche est possible entre le dispositif de progression de paiement et le dispositif mobile, le serveur de service est configuré pour exécuter une étape ultérieure pour approuver une demande de paiement demandée à partir du dispositif de progression de paiement au moyen d'une source de paiement selon les informations d'identification d'utilisateur. En outre, le dispositif quelconque est configuré pour diffuser le nom d'unité de communication en champ proche du dispositif quelconque.
PCT/KR2019/017736 2019-03-14 2019-12-13 Procédé de paiement automatique mobile basé sur un mot de passe à usage unique et système l'utilisant WO2020184815A1 (fr)

Applications Claiming Priority (2)

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KR10-2019-0029173 2019-03-14
KR1020190029173A KR102040100B1 (ko) 2019-03-14 2019-03-14 일회용 패스워드(One Time Password； OTP) 기반 모바일 자동 결제방법 및 이를 이용한 시스템

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WO2020184815A1 true WO2020184815A1 (fr) 2020-09-17

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Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102040100B1 (ko) * 2019-03-14 2019-11-05 강민 일회용 패스워드(One Time Password； OTP) 기반 모바일 자동 결제방법 및 이를 이용한 시스템
KR20220129441A (ko) * 2021-03-16 2022-09-23 박희영 애플리케이션과 연동된 실물카드의 일회성 결제전용번호 생성을 통한 결제 방법 및 시스템

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KR102040100B1 (ko) * 2019-03-14 2019-11-05 강민 일회용 패스워드(One Time Password； OTP) 기반 모바일 자동 결제방법 및 이를 이용한 시스템

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KR20100034688A (ko) * 2008-09-23 2010-04-01 주식회사 모빌리언스 결제 서버의 인증 기능을 이용하는 이동통신단말의 소액 결제 시스템 및 그 소액 결제 방법
KR20160085164A (ko) * 2015-01-07 2016-07-15 주식회사 씽크풀 배달 서비스를 위한 결제방법, 애플리케이션 시스템, 및 가맹점 장치
KR101843099B1 (ko) * 2016-12-05 2018-03-28 주식회사 인비즈소프트 네트워크망을 이용한 배달대행 중계 운용시스템 및 네트워크망을 이용한 배달대행 중계 운용방법
KR20170021813A (ko) * 2017-02-16 2017-02-28 주식회사 비즈모델라인 오티피 이용한 앱 기반 결제 처리 방법
KR101890857B1 (ko) * 2018-02-01 2018-08-23 임태희 위치 기반 오프라인 모바일 자동 결제방법
KR102040100B1 (ko) * 2019-03-14 2019-11-05 강민 일회용 패스워드(One Time Password； OTP) 기반 모바일 자동 결제방법 및 이를 이용한 시스템

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