KR101649995B1

KR101649995B1 - Contactless mobile payment device using Bluetooth communication, Payment data processing method of the mobile payment device, and Recording medium with a program for performing the method

Info

Publication number: KR101649995B1
Application number: KR1020150065063A
Authority: KR
Inventors: 신용재; 권용태; 한근석; 김재연; 장승만; 김종각; 박진수
Original assignee: 김종각; 박진수
Priority date: 2015-05-10
Filing date: 2015-05-10
Publication date: 2016-08-22

Abstract

The present invention relates to a contactless mobile payment device using Bluetooth communication. According to an aspect of the present invention, the contactless mobile payment device using Bluetooth communication comprises: a mobile payment device (110) which includes a user interface to receive information related to a payment from a user of a member store to process payment data, receives settings for a communication module including a Bluetooth communication module for processing the payment data and a sensor module to generate control commands to control the Bluetooth communication module and the sensor module according to an input for the settings, and transmits/receives the payment data to/from a user terminal via the Bluetooth communication module; and a mobile payment terminal (120) which is connected to the mobile payment device (110) via communication, includes a Bluetooth communication module used for transmitting and receiving the payment data to change the settings needed according to the command of the mobile payment device, and transmits/receives a payment data signal to/from the user terminal by Bluetooth communication. The mobile payment device (110) generates a command for shortening a communicable area of the Bluetooth communication module to a predetermined short distance to transmit the command to the mobile payment terminal (120) when processing the payment which is started when the user of the member store inputs a payment amount and a payment method. The mobile payment terminal (120) sets the communicable area of the Bluetooth communication module to the shortened short distance to transmit and receive the payment data signal by the user terminal and the Bluetooth communication.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a non-contact mobile payment device using a Bluetooth communication, a payment data processing method of the mobile payment device, and a recording medium on which the program is recorded a program for performing the method}

The present invention relates to a payment device and a payment data processing method, and more particularly, to a contactless mobile payment device using Bluetooth communication, a payment data processing method of the mobile payment device, and a recording medium on which the program is recorded.

The mobile payment method has begun to complement traditional payment methods such as cash and credit cards, but it has evolved into a differentiated payment method due to the spread of smart phones and the spread of broadband mobile communication networks. Credit cards, micropayments for mobile phones, and electronic purses (mobile wallets).

Credit card companies offer a variety of payment systems such as electronic wallet with mobile credit card. Mobile credit card is USIM-type mobile (credit) card system and USIM, which is issued for payment, A system for paying by contact and an application (APP) system, a system for registering an existing credit card in an app provided by a credit card company, and a system for paying by bar code / QR code scan or NFC terminal contact method after the execution of an app is universally used have.

E-Wallet (Mobile Wallet) service is a service that integrates non-profit functions such as ID card, membership point card, security card function, and other existing payment services such as mobile credit card so that it can be used in one mobile device. And a discount coupon can be used at the same time. In addition, in the form of a combination of a non-settlement function with an existing mobile credit card settlement service, it is possible to use the above-mentioned NFC terminal contact method (APP) system using a USIM mobile (credit) card system or a bar code / QR code scan or an NFC terminal contact method.

On the other hand, in the case of small-size payment service for mobile phones, the mobile payment service is paid by the consumer in addition to the mobile communication fee, and the mobile payment service is approved for the mobile credit card. Difference.

In order to use a mobile credit card or mobile phone micropayment, it is necessary to follow the procedure required by the electronic payment system. The payment gateway (PG) is a system for relaying the flow of online money transactions.

In this market structure, according to the government's simple payment activation policy, PG companies can also provide a simple payment system. In such a simple payment system, PG companies store credit card information In addition to the existing PG companies, large ICT companies such as Cacao, Naver, and Samsung Electronics are also offering such mobile easy payment services. Entering the market to provide mobile payment service, payment only with password without authentication procedure, contact with NFC terminal, registering with credit card in mobile phone without having to input card number directly into mobile phone And useable NFC-based payment service, etc. A as a payment method for performing mobile payment password input can only using a separate electronic payment system is used and various methods of payment, such as (cacao page) to enhance the security.

However, the major obstacles to the spread of such mobile payment methods are the real problem of security vulnerability and the emotional problem that the user thinks that security is weak.

As a result, existing in-kind spot card settlement services are still dominant in the offline store, and addition of a new device for mobile settlement is required in the offline store, and the spread of the mobile settlement system is delayed due to the additional cost There is a situation.

Accordingly, in order to activate the domestic mobile payment market, it is necessary to solve the problem of the actual security weakness and the emotional problem of users as described above, and to cope with various mobile payment methods and existing card payment systems at a minimum cost, There is an urgent need to develop a new integrated payment terminal device and a settlement method that can enhance the quality of the payment.

As a main technology of such a mobile payment system, an NFC-based payment system in which bi-directional communication, that is, settlement is required, is required in order to contact a terminal and a settlement device with a distance of 10 cm or less with a bi- , The NFC-based payment system has to be in contact with the reader to exchange information to enhance security, but on the contrary, it is a weak point in terms of usability. In order to be able to pay by NFC, there should be a separate NFC reader with hundreds of thousands of stores in store, and the need to support NFC on the user terminal is obstructing the spread of NFC payment system.

Meanwhile, the Bluetooth based communication technology has the advantage that almost all user terminals are equipped with the Bluetooth function, and recently it has emerged as a Bluetooth low energy (BLE) technology, and the beacon technology Service models based on various user locations are being utilized and a billing method and system development method of a new concept is being exploited by utilizing such a beacon technique.

Bluetooth technology, however, does not have the following advantages: 1. Search 2. Search response 3. Paring 4, Connection request response 5. Connection and data communication, sharing a secret key (a unique number) Bluetooth is vulnerable to hackers' sniffing attacks because it does not apply encryption technology. In fact, although Bluetooth has various advantages, it does not utilize it for service such as payment system. to be. Accordingly, there is a demand for securing security in the construction of a payment system based on a Bluetooth communication. Currently, the Bluetooth communication technology has an advantage in that almost all user terminals are equipped with a Bluetooth function, The payment system and the payment method using the Bluetooth communication technology have not existed to date.

Meanwhile, as a method of securing security when applied to a payment system of Bluetooth technology, a method of restricting the position of the user terminal and the location of the settlement processing to the proximity area so as to fundamentally respond to a sniffing attack of hackers, It is possible to consider a two-channel method of separating important payment data by Bluetooth communication between user terminals and restricting transmission of all of the important payment data in a blessed Bluetooth communication section.

However, the main parameter used in the distance measuring algorithm of the Bluetooth beacon technology currently depends on the RSSI (Received Signal Strength Indicator) value. When measuring the distance between a beacon system and a user terminal such as a smartphone, RSSI Value is the only index and the use of the RSSI value is limited because of the inaccuracy of the RSSI value, especially in the case of measuring the position or the distance or the position in the proximity distance.

Accordingly, it is an object of the present invention to solve a problem of a substantial security vulnerability and an emotional problem of a user and to provide a new method of enhancing convenience and security while coping with various mobile payment methods and existing card payment systems at a minimum cost, Contactless mobile payment device using the Bluetooth communication of the mobile payment device and a payment data processing method of the mobile payment device.

In addition, when applying to a payment system of Bluetooth technology, the non-contact mobile payment device using the Bluetooth communication with enhanced security by performing settlement data communication by limiting to the case of being located in the proximity distance area based on the location of the user terminal, And a method for processing payment data of a mobile payment device.

In addition, in an embodiment of the present invention, a non-contact mobile payment device using a Bluetooth communication that performs payment data communication and restricts a case where a user's specific action is recognized by using a muscle- And a payment data processing method of the mobile payment device.

Meanwhile, in an embodiment of the present invention, important payment data by the Bluetooth communication between the settlement system, the user terminal, and the mobile payment device is separated and the payment position is verified to perform settlement processing, A mobile payment device, and a payment data processing method of the mobile payment device.

In order to achieve the above object, the present invention relates to a non-contact mobile payment device using Bluetooth communication in one aspect, including a user interface for processing payment data by receiving payment related information from a user of the merchant through the user interface, A Bluetooth communication module for processing data, and a sensor module, and generates a command for controlling the Bluetooth communication module and the sensor module according to the setting input, And a Bluetooth communication module that is connected to the mobile payment device 110 through communication and used for transmission and reception of payment data, and changes a necessary setting according to a command of the mobile payment device Bluetooth communication with the user terminal. The mobile payment device 110 transmits and receives a payment data signal to the mobile payment device 110. The mobile payment device 110 is capable of communicating with the Bluetooth communication module during a payment process initiated by inputting a payment amount and a payment method of the user of the merchant And transmits the command to the mobile payment terminal 120. The mobile payment terminal 120 sets a communicable area of the Bluetooth communication module to the shortened distance, And transmits and receives the payment data signal by Bluetooth communication.

Preferably, the mobile payment terminal 120 includes a sensor module for recognizing an operation, and the mobile payment terminal 120 includes a sensor module for recognizing the operation in the short- Determines whether the operation of the user terminal is consistent with a predetermined operation, and transmits the result to the mobile settlement apparatus. When the mobile settlement apparatus matches the predetermined operation, the settlement data processing is performed.

Wherein the predetermined operation is an operation of entering a point within a distance closer than the shortened adjusted distance to a predetermined operation when the user terminal is recognized as an operation of entering a point within a distance closer than the shortened adjusted distance, And transmits the result to the mobile settlement apparatus, and the mobile settlement apparatus proceeds to process the settlement data.

In addition, it is preferable that the sensor module recognizing the operation is constituted by one or more muscle strength sensors.

Preferably, the sensor module recognizing the operation calculates at least one of the distance, time, direction, and speed of the operation of the user terminal through the at least one eye level sensor.

Preferably, the mobile settlement apparatus 110 controls the mobile settlement terminal 120 prior to the settlement process initiated by inputting the settlement amount of the user of the merchant and the settlement method, and transmits the beacon signal to the user terminal The beacon UUID includes a predetermined identifier for allowing the Bluetooth module of the user terminal to be switched to the BLE communication standby state and the payment APP of a plurality of payment companies mounted on the user terminal to be activated and to proceed the BLE scan .

Here, the beacon signal may include a beacon UUID including standard UUID data according to the BLE standard, and the beacon UUID may include service identification information including APP execution information for a predetermined service connection.

Further, the mobile settlement apparatus 110 may control the mobile payment terminal 120 to transmit a BLE signal including the shortened payment UUID to the mobile settlement apparatus 110 And proceeds to establish a Bluetooth bridge for data communication with the user terminal that has entered the communicable area to transmit and receive the payment data.

When the mobile payment terminal 110 receives the payment amount and the payment method of the user of the merchant, the mobile payment terminal 110 controls the mobile payment terminal 120 to transmit the payment beacon signal having the shortened communication coverage area, The settlement beacon UUID including standard UUID data according to the BLE standard, the payment beacon UUID includes identification information for executing a payment APP of the payment company included in the payment method selected by the user of the merchant, 200 Bluetooth module enters a BLE communication standby state and the payment APP of the payment company included in the payment method selected by the user of the merchant is activated so that the BLE scan proceeds.

Preferably, the mobile payment device 110 transmits the validity of the mobile settlement device 110 and the settlement contents through a Bluetooth bridge connection for data communication with the user terminal in a Bluetooth communication area where the short- To the user terminal, settlement device information (D1) including the unique identification ID of the mobile settlement apparatus 110 and payment content information, which is information for authentication, and transmits the payment APP, the validity of the user or the user terminal, Which is information for authenticating the terminal authentication information S1.

Also, the shortened distance may be 20 Cm or less, and the operation of the user terminal may be implemented such that the operation is recognized at a distance of 10 Cm or less.

According to another aspect of the present invention, there is provided a method of processing payment data in a contactless mobile payment device using a Bluetooth communication, the method comprising: inputting a payment amount and a method selection input step (S110) Activates the beacon / BLE data generation unit 113 according to the input of the payment method and generates the BLE data including the payment beacon data and the payment UUID by calling information of the payment company including the payment UUID according to the payment method, A settlement beacon / BLE setting change step (S120) of setting a communication enabled area as a settlement area having a predetermined proximity distance, activating a mobile settlement terminal function for activating a BLE communication function of the BT module according to input of a payment amount and a payment method of a seller In step S130, if the settlement UUID value is confirmed in the user terminal 200 and a BT bridge connection is requested through the UUID value, A BT communication authentication and BT bridge connection step (S140) for completing the BT bridge connection with the user terminal 200, a settlement device for generating the device authentication information D1 upon completion of the BT bridge connection and generating BLE data therefor The information D1 is generated in step S150. The BLE data for the device authentication information D1 is transmitted to the user terminal through the BT bridge connection. The payment device information D1 for receiving the terminal authentication information S1 from the user terminal, The transmission step S160 and the payment information D2 and the terminal authentication information S1 and the payment information D2 transmission step S180 for transmitting the terminal authentication information S1 and the payment information D2 to the device platform, And a control unit.

Preferably, the step of activating the mobile payment terminal function (S130) activates the motion recognition function of the motion recognition module according to the input of the payment amount and the payment method of the seller, The terminal authentication information S1 and the settlement information D2 transmission step S180 may further include an operation recognition step S170 of recognizing the operation of the terminal or the user and determining whether the operation matches the preset operation, And generates payment information D2 and transmits the terminal authentication information S1 and payment information D2 to the device platform when the operation coincides with the predetermined operation.

Preferably, the step of activating the mobile payment terminal function (S130) activates the payment beacon signal transmission function, and the payment beacon signal includes a payment beacon UUID including standard UUID data according to the BLE standard, The Bluetooth module of the user terminal 200 is switched to the BLE communication standby state and the payment method selected by the user of the merchant is set to the payment mode selected by the user of the merchant It is preferable that the payment APP of the payment company included is activated so as to allow the BLE scan to proceed.

Preferably, a beacon UUID including standard UUID data according to a BLE standard before payment data processing initiated by inputting a payment amount and a payment method of a user of a merchant is included, and the beacon UUID includes APP execution information And a Beacon information generation / transmission step (S100) for transmitting a Beacon signal including service identification information including the service identification information including the service identification information.

According to another aspect of the present invention, there is provided a method for processing payment data of a user terminal in cooperation with a contactless mobile payment device using Bluetooth communication, the method comprising: receiving a payment beacon UUID including standard UUID data according to a BLE standard; The settlement beacon UUID includes a settlement beacon signal including identification information for executing a settlement APP of the settlement company included in the settlement method selected by the user of the merchant, and a BLE signal including the settlement UUID, A beacon reception and application activating step (S210) for activating the BLE scan by activating the payment APP of the payment company in a standby state and activating the BLE scan if the payment UUID value equal to the UUID value stored in the payment application during BLE scanning in the payment area is confirmed BT bridge connection, and the BT bridge connected within the payment area A BT bridge connection step (S220) of receiving settlement device information (D1) through BT communication with the settlement device information (D1) Generating and transmitting terminal authentication information (S1) for generating terminal authentication information (S1) including the serial number to the mobile payment device (100) connected to the BT bridge within the settlement area, (S240) a step of selecting a payment means and a user identification information inputting step (S240), displaying the UI for inputting the user identification information and the user identification information, And settlement authentication information (S2) for generating APP settlement request information (S3) including the terminal authentication information (S1) and payment authentication information (S2) S2 and the APP settlement request information S3 in step S250 and generates an APP settlement request including the APP settlement request information S3 and the settlement device information D1 to be transmitted to the settlement company / (S3, D1) transmission step (S260).

Preferably, a beacon UUID including standard UUID data according to the BLE standard before payment data processing initiated by inputting the payment amount and the payment method of the user of the merchant is included, and the beacon UUID includes APP execution information for service connection And a beacon reception and service processing step (S200) for receiving a beacon signal including service identification information and executing an APP for the service connection.

Here, the beacon UUID is pre-turned on by the system or user, and the BT module of the user terminal 200, which is in a standby state, is switched to the BLE communication standby state, and a payment APP of a plurality of payment companies mounted on the user terminal is activated, The beacon reception and application activation step is preferably started by receiving the beacon signal before the payment data processing.

Preferably, the settlement authentication information S2 and the APP settlement request information S3 generating step S250 generate the terminal location information and store the terminal authentication information S1, the payment authentication information S2 and the terminal location information And generates APP settlement request information S3 including the information.

In another aspect, the present invention relates to a recording medium on which a program for executing the above method is recorded, the recording medium being a computer-readable recording medium, and the method can be stored in a recording medium. Such a recording medium includes all kinds of recording media in which programs and data are stored so that they can be read by a computer system. Examples of the storage medium include a ROM (Read Only Memory), a Random Access Memory, a CD (Compact Disk), a DVD (Digital Video Disk) -ROM, a magnetic tape, a floppy disk, The recording medium may be distributed over a networked computer system so that computer readable code in a distributed manner can be stored and executed.

As described above, according to the present invention, it is possible to solve the problem of the substantial security vulnerability and the emotional problem of the user, and to improve the convenience and security while coping with various mobile settlement methods and existing card settlement systems at a minimum cost A contactless mobile payment device using a Bluetooth communication of a new method and a payment data processing method of the mobile payment device can be provided

In addition, when applied to a payment system of the Bluetooth technology, settlement data communication is limited to the case of being located in the proximity distance area based on the location of the user terminal, thereby enhancing security.

In addition, according to an embodiment of the present invention, there is an effect of enhancing security by limiting settlement to a case where a user's specific operation is recognized by using a muscle strength sensor in a proximity distance region, thereby performing settlement data communication.

Meanwhile, in an embodiment of the present invention, a process of separating important payment data by Bluetooth communication between the settlement system, the user terminal, and the mobile payment device and verifying the settlement location may be added, There is an effect of enhancing the security by performing the settlement processing.

Furthermore, by implementing the beacon signal characteristic of the Bluetooth technology and performing the payment data processing process, it is possible to provide a non-contact mobile payment device using the Bluetooth communication, which is efficient and improved in convenience for the user, and a payment data processing method of the mobile payment device There is an effect.

1 is a block diagram of a payment system using a contactless mobile payment device using Bluetooth communication according to the present invention.
2 is a configuration diagram of a mobile settlement apparatus 110 according to an embodiment of the present invention.
3 is a configuration diagram of a mobile payment terminal 120 according to an embodiment of the present invention.
4A is a configuration diagram of a beacon / BLE control unit 121 according to an embodiment of the present invention.
FIG. 4B is a configuration diagram of the degree of mynority sensor controller 122 according to the embodiment of the present invention. FIG.
4C and 4D are diagrams showing the configuration of the MSR control unit 123 and the NFC control unit 124, respectively.
FIG. 4E is a flowchart of a conflict processing procedure between payment means in the embodiment in which the mobile payment terminal 120 is activated for all payment means.
5 is a configuration diagram of a user terminal 200 according to an embodiment of the present invention.
6A is a configuration diagram of a device platform 300 of one embodiment of the present invention.
FIG. 6B is a flowchart illustrating a main task process of an exemplary device platform 300 of the present invention. FIG.
7 is a configuration diagram of the settlement company / financial institution system 400 of the present invention.
FIG. 8 is a flowchart of a payment data processing process of the mobile payment apparatus 100 according to an embodiment of the present invention.
9 is a flowchart of a payment data processing process of the user terminal 200 of the embodiment of the present invention.
10 is a flowchart of a mobile settlement method of a mobile settlement system according to an embodiment of the present invention.
11 is a flowchart of a process of processing payment data in the device platform 300 according to an embodiment of the present invention.
12 is a flowchart of a payment data processing process in the payment company / financial institution system 400 according to an embodiment of the present invention.
FIG. 13 is a detailed flowchart of a payment approval processing process in the payment company / financial institution system 400 according to an embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with one embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which the claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Various embodiments of the present invention disclose methods of processing payment data of a mobile payment device through an installed application of a contactless mobile payment device and a user terminal (e.g., a smartphone) using Bluetooth communication.

&Quot; BT "used in the embodiments of the present invention to be described later is used as an abbreviation for Bluetooth or Bluetooth communication," BLE "is used as a Bluetooth signal, data, BT "and" Bluetooth "" BLE "

Beacon " or "beacon" refers to a signal that carries a function of transmitting a periodic signal to a wireless terminal of a base station radius in the field of mobile communication. In the embodiment, "Beacon" And the term " generator "

&Quot; BLE signal "or" BLE data "collectively refers to a" BLE signal "or data included therein, which is used in combination with" BT signal & In the embodiment, the communication range of the BT communication module is used as a meaning of payment data that can be transmitted / received within a range where the communication range is shortened to a predetermined short distance at the time of payment processing.

The "payment Beacon" or "payment Beacon data" collectively refers to a Beacon signal used to perform the payment processing such as activating the function of the payment APP of the present invention or data included therein, The content of the payment is changed by the necessary data to perform the payment processing such as activating the function of the specific payment APP. The "payment beacon" is shortened to the payment area and is used as a meaning of the signal that can be received by the user terminal in the range do.

"Payment Beacon" or "Payment Beacon Data" assist payment processing, such as activating payment APP functions according to contents and functions of payment processing before, and send advertisements or coupons to users in preset areas such as in the store And is used as "Beacon" or "Beacon data" for distinguishing from "Payment Beacon" or "Payment Beacon data" in payment processing.

In the present specification, the term " mobile payment "means payment in a manner in which a user purchases a product and proceeds with settlement processing using a" portable user terminal " such as a smart phone. Refers to a collection or data of information or information directly used for mobile settlement in the embodiment, and may include data such as "settlement beacon data" that initiates settlement processing or performs functions associated with other settlement processing .

Accordingly, in the present specification and drawings, the following set of information or a defined term is used as the settlement data, and the information included therein is illustrative, and according to the embodiment, necessary information in the range of performing the settlement processing of the present invention is Some information added or contained may be changed or excluded.

The settlement device information D1 includes payment information including payment information such as a device ID which is a unique identification ID of a payment device, a transaction serial number including transaction date and time information generated at the transaction in the device, approval classification, transaction amount, And is information for authenticating the validity of the payment device and the payment contents.

The device payment information D2 is information including payment apparatus information D1 and merchant information.

The settlement transaction information D3 is information including the device settlement information D2, the settlement serial number, and the merchant location information, which is the latitude and longitude information of the pre-registered merchant address.

The payment approval result (D4) is a payment completion information message or approval error message for the corresponding payment request.

The terminal authentication information S1 includes a transaction classification including approval related information, a payment APP identification ID for identifying a payment APP to be executed, a smartphone identification ID including a unique identification number of the user terminal, And a device transaction serial number included in the settlement device information D1, and is information for authenticating the validity of the payment APP, the user and / or the user terminal, and the content of the transaction.

The settlement authentication information S2 is the date and time when the settlement means information, the user identification information and the transaction date and time information, for example, the inputting of the user identification information, are completed.

The APP settlement request information S3 is information including the terminal authentication authentication information S1, payment authentication information S2, and terminal location information.

The payment approval result (S4) is a payment completion information message or approval error message for the corresponding payment request.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, in order that those skilled in the art can easily carry out the present invention. 2. a contactless mobile payment device using Bluetooth communication of the present invention; 3. a device platform 300 and a payment company / financial institution system of the present invention; 4. a Bluetooth payment system using the Bluetooth of the present invention; A method of processing payment data of a mobile payment device of a non-contact mobile payment device using communication, and a mobile payment method of a mobile payment system will be described in detail as respective embodiments or embodiments.

1. [Mobile payment system including non-contact mobile payment device using Bluetooth communication of the present invention]

1 is a block diagram of a mobile payment system including a non-contact mobile payment device using Bluetooth communication according to the present invention.

Referring to FIG. 1, a mobile payment system including a non-contact mobile payment device using Bluetooth communication according to the present embodiment includes a non-contact mobile payment device 100 using Bluetooth communication, and an application for performing the mobile payment, The user terminal 200 receives payment data transmitted according to completion of settlement of a specific mobile settlement in the mobile payment device 100, generates payment transaction information, requests approval from the settlement company / financial institution system 400, A device platform 300 for managing device 100 and merchant-related information and settlement data, APP payment request information in the user terminal 200, receiving the payment transaction information from the device platform 300, Compare and decide whether to approve a specific mobile payment and approve or approve it. Treatment, and is configured with the result including the user terminal 200 and the payment company / financial company system 400 to notify the device platform 300.

1, the mobile payment device 100, the user terminal 200, the device platform 300, the settlement company / financial institution system 400, which are the components of the mobile payment system of the present invention, Describe the functions related to payment in detail.

The mobile payment device 100 includes a communication module including a user interface and a Bluetooth communication module for processing payment data by receiving settlement related information from a user of the merchant through the user interface and processing the payment data, A mobile payment device 110 for receiving a setting for a module and generating a command for controlling the Bluetooth communication module and the sensor module according to the setting input and transmitting and receiving payment data to and from a user terminal through a Bluetooth communication module, A Bluetooth communication module that is connected to the device 110 through communication and used for transmission and reception of payment data, changes a necessary setting according to a command of the mobile payment device, and transmits and receives a payment data signal by Bluetooth communication with the user terminal And settlement terminal 120.

Basically, the mobile payment apparatus 110 generates a command for shortening a communication coverage area of the Bluetooth communication module to a predetermined short distance at the time of payment processing initiated by inputting a payment amount and a payment method of the user of the merchant, And transmits the payment data signal to the payment terminal 120. The mobile payment terminal 120 sets the communicable area of the Bluetooth communication module to the shortened distance and sends and receives the payment data signal by Bluetooth communication with the user terminal.

To this end, in the present embodiment, the mobile payment apparatus 110 includes an input / display apparatus such as a touch panel for inputting and outputting payment information and data for mobile settlement, a printing apparatus for outputting receipts, F, and performs a payment data processing function of a basic payment device for receiving and processing the payment amount and method input by the seller.

According to the embodiment, the mobile settlement apparatus 110 may be realized in the form of a settlement related application for processing settlement data according to the present invention of an existing settlement apparatus, that is, a general purpose computer or a POS system, The terminal 120 may be implemented as a mobile payment terminal connected to a POS system or an existing general-purpose computer that runs related applications for processing payment data according to the present invention, as well as the mobile payment apparatus 110 of the present invention, So that the mobile payment system of the present invention can be configured.

Accordingly, the mobile payment device 100 performs the above-described payment data processing, and transmits signals necessary for controlling the BT module, the degree-of-sight sensor module and the various sensor modules in the mobile payment terminal 120 according to the payment data processing, A mobile payment device 110 for generating and transmitting information and a mobile payment device 110 for controlling the BT module, the proximity sensor module and the various sensor modules according to the control of the mobile payment device 110, Transmits the received signal to the mobile settlement apparatus 110, and transmits and receives a BT signal including necessary payment data in a state in which the communicable area of the Bluetooth communication module is short-circuited, , And performs settlement data processing on the basis thereof.

The security of the BT communication with respect to the settlement data in the settlement system is securely secured in a manner that responds to the sniffing attack of the hackers. Thus, in the functional aspect of the settlement device 100 of the present invention, the contactless mobile settlement Methods and systems are implemented.

Further, in applying the BT communication technology to the contactless mobile payment method and system using the Bluetooth communication of the present invention, the mobile payment terminal 120 includes a sensor module for recognizing the operation, The mobile payment device determines whether the operation of the user terminal matches the predetermined operation by recognizing the operation of the user terminal through the sensor module recognizing the operation, that is, the operation sensor, and transmits the result to the mobile payment device. And proceeds to process the settlement data when it coincides with the set operation.

It is possible to limit the BT communicable area so that the settlement data can be communicated when the user terminal is located at a distance of 20 cm or shorter, which is pre-defined in the short-circuited controlled proximity area predefined as the settlement area, Or the operation of the user is recognized and the settlement data processing is performed by limiting the operation recognized in the shortened adjusted proximity to a predetermined operation.

In this way, the contactless mobile payment method and system using BT communication, which prevents or minimizes settlement errors, is implemented while maintaining the security of contactless payment data using BT communication.

According to an embodiment of the present invention, the predetermined operation may be set to an operation of entering a point within a distance shorter than the shortened distance, such that the user terminal is located at a point within a distance shorter than the shortened distance, When it is recognized that the mobile terminal is recognized as an operation of entering the proximity point, it is determined that the operation matches the predetermined operation, and the result is transmitted to the mobile settlement apparatus, and the mobile settlement apparatus can process the settlement data.

As the sensor module recognizing the operation, more than one muscle strength sensor can be used. The muscle strength sensor is a sensor including the function of the proximity sensor and the illumination sensor, and can be manufactured to perform both functions in one device, Two sensors having respective functions may be combined and configured.

If the sensor module recognizing the operation is comprised of more than one muscle strength sensor, the sensor module recognizing the operation may determine at least one of the distance, time, direction and speed of operation of the user terminal via one or more muscle strength sensors Measurement or computation to recognize various operations.

Accordingly, although the present invention is described in the context of a muscle strength sensor for the sake of convenience, the present invention is particularly applicable to the case where the above-mentioned user terminal only recognizes an operation of entering a point nearer to a point within a distance shorter than the short- And a proximity sensor and an illuminance sensor may be separately installed to implement the respective functions.

Further, in the non-contact mobile payment method and system using the Bluetooth communication of the present invention, personal information such as actual card information and resident registration number is not used as payment data at the mobile payment device 100 and the user terminal, and actual card information and resident registration number Personal information such as personal information is stored and managed only in the settlement company / financial institution system 400 having strong security when necessary, and the settlement data by BT communication between the mobile payment device 100 and the user terminal is separated, Thereby preventing transmission and reception of all of the data.

Accordingly, a payment request including settlement transaction information between the settlement company / financial institution system 400 and the mobile settlement device 100 (or the device platform 300 connected thereto) and the settlement transaction between the settlement company / financial institution system 400 and the user terminal Or a payment application installed thereon), separates the APP settlement request including the APP settlement request information between the two channels, that is, the two payment request data separated through the separated first network and the second network, The settlement request including the settlement transaction information received through the separated channel and the settlement data included in the APP settlement request including the APP settlement request information transmitted to the bank / financial institution system 400, To secure the security of mobile payment processing using BT communication.

In this embodiment, by utilizing a Bluetooth low energy (BLE) technology and a beacon technology included in the latest version of the BT technology, (BT bridge) connection with the user terminal 200 for transmission of payment data by limiting the BT communication enabled area to a proximity range that is a payment area at the time of processing, And the mobile payment device 100 generates a Beacon signal.

The mobile payment device 110 controls the mobile payment terminal 120 prior to the payment process started by inputting the payment amount of the user of the merchant and the payment method so that the user terminal that has entered the beacon signal into the service area within the merchant store can receive The beacon signal includes a beacon UUID including standard UUID data according to the BLE standard, and the beacon UUID includes service identification information including APP execution information for a predetermined service connection.

In addition, the beacon UUID includes a preset identifier for allowing the Bluetooth module of the user terminal to be switched to the BLE communication standby state and to enable the payment APP of a plurality of payment companies mounted on the user terminal to activate the BLE scan

Accordingly, the preset service can be provided for a variety of purposes such as advertisement or coupon issuance. If no service is provided according to the embodiment, service identification information including APP execution information for a predetermined service connection Can be omitted. Accordingly, the beacon UUID includes only a predetermined identifier for allowing the Bluetooth module of the user terminal to be switched to the BLE communication standby state and enabling the payment APP of a plurality of payment companies mounted on the user terminal to activate the BLE scan.

Before the payment process, the mobile payment device 100 enters a predetermined area, that is, a merchant that is a service area, through a service identification information including APP execution information for a predetermined service connection included in the beacon UUID, and receives a beacon signal A user terminal executes an APP for accessing the corresponding service, thereby inducing a user who enters the merchant area to receive an advertisement or a coupon.

The BT communication enabled area is limited to the proximity range that is the settlement area at the time of the payment process initiated by inputting the payment amount and the payment method of the user of the merchant and the mobile settlement terminal 120 is controlled so that the communication enabled area is the shortened settlement UUID And proceeds to establish a BT bridge for data communication with the user terminal that has entered the communicable area to transmit and receive settlement data.

In addition, the mobile payment terminal 120 is controlled to transmit a beacon signal having a shortened communication coverage area, and the payment beacon signal includes a payment beacon UUID including standard UUID data according to the BLE standard. The payment beacon UUID Includes identification information for executing a payment APP of a payment company included in the payment method selected by the user of the merchant, the Bluetooth module of the user terminal 200 is switched to the BLE communication standby state, and the payment method selected by the user of the merchant The payment APP of the payment company included in the payment APP is activated to include the predetermined identifier for allowing the BLE scan to proceed, and the specified payment APP is activated.

The settlement data processing process can be performed regardless of whether the pre-beacon signal is previously received or not through the settlement beacon. That is, if the beacon signal is not received or can not be received in advance, the settlement process of the present invention proceeds with the settlement beacon signal alone. In some embodiments, even if the beacon signal is received in advance, The billing APP to be processed is secondarily authenticated and the payment APP processed by the billing beacon signal identified by the billing beacon signal prior to the payment agent information received in the billing area performs the payment data processing so that a malfunction or erroneous payment error Can be prevented.

Transmission and reception of settlement data proceeds through the BT bridge connection, and transmission and reception of settlement data are performed only in the communicatable area which is shortened to a predetermined short distance.

And transmits the settlement apparatus information D1 to the user terminal and accordingly receives the terminal authentication information S1 transmitted from the user terminal 200. [ The payment apparatus information (D1) includes payment information including payment information such as a device ID which is a unique identification ID of a payment device, a transaction serial number including transaction date and time information generated at the transaction in the device, approval classification, transaction amount, And content information. The terminal authentication information S1 received from the user terminal 200 includes a transaction classification including approval related information, a payment APP identification ID for identifying a payment APP to be executed, a smartphone identification ID including a unique identification number of the user terminal A payment APP subscription ID which is a unique identification number of the payment APP service member, and a device transaction serial number included in the payment apparatus information D1.

Here, the standard UUID included in the beacon signal or the payment beacon signal described above is a standard UUID for the BLE communication. The standard UUID includes a BT bridge with a payment APP of a payment company included in a payment method selected among a plurality of payment APPs installed in the user terminal 200 And a UUID value that is the same as the payment UUID value is stored as a UUID value for BLE bridge connection of the payment APP to a plurality of payment APPs loaded in the user terminal 200, If the settlement UUID value equal to the UUID value stored in the settlement APP is confirmed in the settlement area, the BT bridge connection is performed and the mobile payment device 100 connected to the BT bridge in the settlement area and the BT Receives the settlement device information (D1) through communication, thereby generating terminal authentication information (S1) and transmits it to the mobile payment device 1 00), and the mobile payment device 100 proceeds to process a series of payment data based on the received terminal authentication information S1.

The mobile payment device 100 recognizes the operation of the user terminal through the sensor module that recognizes the operation in the shortened and controlled short distance, determines whether the operation of the user terminal is consistent with the predetermined operation, And if the mobile payment apparatus coincides with the preset operation, the payment data processing process based on the received terminal authentication information S1, that is, the device payment information D2 to which the merchant information is added to the payment apparatus information D1 And transmits the generated device settlement information to the device platform 300. The device platform 300 receives the device settlement completion information, which is the result information about the requested transaction, and processes the device settlement completion information.

The mobile payment device 100 is connected through a communication I / F to an input / display device such as a touch panel for inputting and outputting information for mobile settlement, a printing device for outputting a receipt, And transmits the signals and the signals necessary for controlling the BT module, the eye level sensor module and the various sensor modules in the mobile payment terminal 120 according to the payment data processing, A mobile payment apparatus 110 for generating necessary information and transmitting the information and a control unit for controlling the BT module, the proximity sensor module and the various sensor modules according to the control of the mobile payment apparatus 110, Transmits a necessary signal, processes the received signal, and transmits the signal to the mobile settlement apparatus 110 to perform settlement data processing based on the signal .

The user terminal 200 is loaded with an application for performing the mobile settlement to a portable communication device such as a smart phone equipped with a specific operating system (OS), and a mobile settlement APP of each settlement company associated therewith is mounted. The mobile payment APP of each settlement company may be a configuration program of an application for performing mobile settlement, or may be an independent application.

As described above, the mobile payment APP is classified according to each settlement company. The mobile payment APP is activated according to reception of a beacon signal or a payment beacon signal independently, and performs a BLE scan for BT bridge connection. The UUID value equal to the UUID value is stored as the UUID value for the BLE bridge connection of the settlement APP and the standard UUID value equal to the UUID value stored in the payment application in the settlement area If it is confirmed, the BT bridge connection is performed to receive the settlement device information D1 through BT communication with the mobile payment device 100 connected to the BT bridge within the settlement area, and the successful receipt of the settlement device information D1 A transaction classification including approval related information, a payment APP identification ID for identifying a payment APP to be executed, a unique identification number of the corresponding user terminal , A payment APP subscription ID that is a unique identification number of the payment APP service member, and a device transaction serial number included in the payment device information (D1), and transmits the terminal authentication information (S1) To the mobile payment device 100 connected to the BT bridge.

Then, the payment APP displays a UI for inputting payment means such as card information and user identification information on the display device of the user terminal. In addition to the window for inputting the payment means and the user identification information, the payment content information included in the payment apparatus information D1 may be displayed together with the UI.

The user identification information may be a variety of methods such as numeric password, fingerprint, specific pattern, voice recognition, etc. The input UI may be implemented in various ways depending on the type of the selected identification information.

For example, settlement means information and user identification information input through the input UI and date and time when transaction date and time information, for example, input of user identification information is completed, as payment authentication information S2, generates position information of the user terminal, The terminal authentication information S1 and the settlement authentication information S2 to generate APP settlement request information S3.

The user terminal 200 transmits the generated APP settlement request information S3 and the received settlement device information D1 to the settlement company / financial company server 400 as an APP settlement request, (S4) of the payment approval processing unit (400).

The device platform 300 receives the device payment information D2 to which the merchant information is added in the payment device information D1 in the mobile payment device 100 to generate a payment serial number which is a serial number for payment, The settlement transaction information D3 including the information D2 and the settlement serial number and the merchant location information which is the latitude and longitude information of the preregistered merchant address and generates the payment transaction information D3 together with the terminal authentication information S1 received from the user terminal Requesting approval from the payment company / financial institution system 400 as the payment request information, and receiving and processing the payment approval result D4 of the payment company server 410 / financial company server 420.

The merchant location information is stored in advance in the device information associated with the merchant information when the mobile payment device is distributed to the merchant.

The merchant location information is obtained by comparing the location information of the merchant with the terminal location information included in the APP settlement request information S3 from the separated user terminal to determine the coherence of the location of the merchant or device that proceeds the settlement processing as the transaction location information, In order to reduce the risk of unfair settlement by determining that the location information is inconsistent, that is, when the location of the device is determined to be a place other than the merchant, the payment approval is pending or rejected and, in addition, In order to control and manage it.

To this end, the device platform 300 manages mobile payment device 100 including merchant location information and merchant-related information and payment information.

The settlement company / financial institution system 400 receives the APP settlement request of the user terminal including the APP settlement request information S3 and settlement device information D1 from the user terminal 200 and receives the APP settlement request from the device platform 300, Receives the device settlement request of the device platform including the settlement transaction information D3 including the information and the terminal authentication information S1, and compares and verifies the respective data. The data to be verified and validated includes payment APP subscription ID, payment authentication information, Device ID, transaction serial number, merchant information, payment serial number, transaction date and time information, and transaction location information. If the payment company server 410 is divided into the payment company server 410 and the financial institution system 420 and the verification server 410 has succeeded in verification, the approval request for the payment request is transmitted to the financial company system 420, And transmits the result to the user terminal 200 and the device platform 300 as the payment approval result S4 and D4, respectively.

The payment company server 410 may be a service server of a PG company or a VAN operating separately from the financial institution system 420 or may be implemented as a payment server performing a corresponding function in the financial company system 420 according to an embodiment .

2. [Contactless Mobile Payment Device Using Bluetooth Communication of the Present Invention]

As described above, the non-contact mobile payment device 100 using the Bluetooth beacon signal and the isometric sensor that constitute the mobile payment system of the present invention includes the functionally separated mobile payment device 110 and the mobile payment terminal 120, Will be described in detail.

2 is a configuration diagram of a mobile settlement apparatus 110 according to an embodiment of the present invention.

The mobile payment apparatus 110 includes a user interface and receives settlement related information from a user (for example, a clerk or a manager) of the merchant through the user interface, processes the payment data, and transmits the communication including the Bluetooth communication module for processing the payment data Module and a sensor module, generates a command for controlling the Bluetooth communication module and the sensor module according to the setting input, and transmits and receives settlement data to and from the user terminal through the Bluetooth communication module. And transmits a command to the mobile payment terminal 120 to generate a command for shortening the communication coverage area of the Bluetooth communication module to a predetermined short distance at the time of payment processing initiated by inputting the payment amount and the payment method of the user of the merchant .

The mobile payment device 100 according to an embodiment of the present invention may execute various sets of software programs and / or instructions stored in the memory to perform various functions for the payment device 100 and process the data, A billing application 110b providing an interface between the billing application 110b and an input display device such as a touch screen, a billing application 110b, an operating system (not shown), a memory unit for storing various necessary data, And an interface and hardware configuration unit 110c including a controller (not shown), an external communication port, a printing device I / F, and a mobile payment terminal I / F to be described later, and is driven by the MCU 110a General system tasks, including operating systems (not shown) (e.g., embedded operating systems such as Android, Darwin, RTXC, LINUX, UNIX, OS X, WINDOWS or VxWorks) (eg, memory management, storage device control, power management, etc.) and the payment application 110b and other applications (eg, a browser, a customer management program, a revenue management program, an address book ), Contact lists, email, instant messaging, word processing, keyboard emulation, widgets, JAVA enabled applications, encoding, multimedia players, etc.) run on the operating system As shown in FIG.

The payment application 110b may be constituted by a beacon service application and a collection of payment applications divided into a plurality of payment companies or an application including them, and each beacon service application and a payment application of a plurality of payment companies may have the following configuration So that the payment processing can be independently performed and a part or all of the following configurations can be shared as a function module as one application.

The billing application 110b includes a billing application processing unit 111, a beacon / BLE and a sensor control unit 112, a beacon / BLE data generation unit 113, a device authentication information D1 generation unit 114, ) Processing unit 115, a payment information D2 generating unit 116, an MSR / NFC information processing unit 117, a payment completion information processing unit 118, and a beacon / BLE and a sensor setting unit 119 .

The billing application processing unit 111 receives various billing-related function execution commands from the seller or manager of the merchant through the user I / F, and activates and controls the related application.

In particular, in response to the Beacon function execution instruction before the payment processing, the beacon / BLE data generation unit 113 is activated according to the Beacon function execution command of the user to call various service information stored in the memory unit to generate beacon data Beacon / BLE and the sensor control unit 112, and transmits the corresponding command including the beacon data to the mobile payment terminal 120 in the beacon / BLE and the sensor control unit 112.

A user terminal that has entered a predetermined area, that is, a franchisee, a service area and receives a beacon signal through service identification information including APP execution information for a predetermined service connection included in the beacon UUID included in the beacon data, Executes an APP for connection, and induces a user who enters the merchant area to receive an advertisement or a coupon.

In addition, at the time of the payment proceeding initiated by inputting the payment amount and the payment method of the user of the merchant, the beacon / BLE data generation unit 113 is activated in accordance with the input of the payment amount and the payment method of the seller, BLE and the sensor control unit 112. The beacon / BLE and the sensor control unit 112 transmit the beacon / BLE and the settlement UUID to the beacon / BLE and the sensor control unit 112, And transmits the corresponding command including the BLE data including the data and the payment UUID to the mobile payment terminal 120.

When the settlement UUID value is confirmed in the user terminal 200 and the BT bridge connection is completed through the BT bridge connection, the beacon / BLE data generating unit 113 generates the beacon / BLE data using the device authentication information D1 generated by the device authentication information generating unit 114 BLE data for the device authentication information D1 is generated and transmitted to the beacon / BLE and the sensor control unit 112 so that the beacon / BLE and the sensor control unit 112 send the corresponding command including the device authentication information (D1) To the mobile payment terminal (120).

In addition, in the settlement process, the device authentication information D1 generating unit 114, the terminal authentication information S1 processing unit 115, the settlement information D2 generating unit 116, the settlement completion information processing unit 118, / BLE and the sensor setting unit 119 and controls the respective functions to be performed.

At the time of MSR or NFC settlement, data for activating the MSR or NFC module is called and transmitted to the beacon / BLE and sensor control unit 112 according to the input of the payment amount and the payment method of the seller, (112) to transmit the relevant data and the corresponding command to the mobile payment terminal (120).

The beacon / BLE and sensor control unit 112 generates a command for controlling the mobile payment terminal 120 according to the transmission of the beacon data and the BLE data in the beacon / BLE data generation unit 113, And transmits it to the mobile payment terminal through the mobile payment terminal I / F unit.

In particular, at the time of the payment proceeding, the BT capable communication area, that is, the receivable area of the payment beacon signal and the transmission / receivable area of the BLE signal by the BT bridge connection, 20Cm or less and resetting the settlement area to be within the range of 20Cm. The information about the settlement area is stored in the beacon / BLE and sensor setting part by the dictionary user and the set value of the settlement area is called and included in the command The set value of the settlement area may be pre-stored in the beacon / BLE controller 121 of the mobile payment terminal, and in this case, only the command for resetting to the settlement area is transmitted.

Also, in order to actively respond to the settlement environment, the stored payment area values can be inputted as a plurality or a specific value. In this case, the merchant or manager of the merchant enters the specific payment area value through the user I / F or transmits the beacon / BLE and sensor A plurality of settlement area values input and stored in the setting unit may be selected and the set value of the input or selected settlement area may be included in the command and transmitted. In addition, according to an embodiment, a plurality of set values of the settlement area can be pre-stored in the beacon / BLE controller 121 of the mobile payment terminal. In this case, only a command for reset including identification information of a specific settlement area send.

A command for activating the payment beacon signal transmission and BLE communication function of the BT module at the same time according to the input of the payment amount and the payment method of the seller, (120). At this time, the command includes a command for shortening the communicable area of the BT module to a predetermined short distance, and the instruction for activating the motion recognition function of the muscle tone sensor may include information about a preset operation to be recognized.

At the time of Beacon transmission before payment processing before inputting the payment amount and the payment method of the user of the merchant, a command including Beacon data generated by the Beacon / BLE data generation unit 113 is transmitted to the mobile payment terminal And transmits a payment beacon signal including BLE data including payment beacon data and payment UUID and a BLE signal generation command to the mobile payment terminal 120 when the payment is made according to the payment amount and payment method of the user of the merchant, (120).

In addition, when the settlement UUID value is confirmed in the user terminal 200 upon completion of the settlement and the BT bridge connection is completed through the connection, the beacon / BLE data is generated for the device authentication information D1 received from the device authentication information D1 generation unit To the mobile payment terminal 120, an instruction including the BLE data generated by the mobile payment terminal.

In addition, the beacon / BLE and the sensor control unit 112 transmit a command to the mobile payment terminal 120 to stop generating the beacon and the payment beacon when the BT bridge connection is completed, Receives the BLE data for the terminal authentication information S1 from the mobile payment terminal 120 and confirms reception of the BLE data, the BLE communication with the user terminal 200, that is, terminates the BT bridge and deactivates the muscle tone sensor And transmits the command to the mobile payment terminal 120.

In addition, each setting value such as a set value of a settlement area input through a beacon / BLE and a sensor setting unit 119, a range value of an operation recognition range of a muscle tone sensor, a content value of an operation recognition, .

The beacon / BLE data generation unit 113 generates beacon data and BLE data for the input information.

That is, at the time of transmitting the beacon, beacon data is generated by calling service information for advertisement or coupon transmission stored in the memory unit, and transmitted to the beacon / BLE and the sensor control unit 112. When the payment is proceeded, the billing beacon data and the settlement UUID And transmits the generated BLE data to the beacon / BLE and the sensor control unit 112.

Meanwhile, when the settlement UUID value is confirmed in the user terminal 200 and the BT bridge connection is completed through the BT bridge connection, the device authentication information D1 generated by the device authentication information D1 generation unit 114 is transmitted to the BLE data And sends it to the beacon / BLE and sensor control unit 112.

On the other hand, when the settlement UUID value is confirmed in the user terminal 200 upon completion of the settlement and the BT bridge connection is completed through the connection, the device authentication information D1 generation unit 114 calls the information stored in the memory to generate the device authentication information D1 And transmits the generated beacon / BLE data to the beacon / BLE data generation unit 113.

The terminal authentication information S1 processing unit 115 receives the BLE data for the terminal authentication information S1 from the mobile payment terminal 120 via the mobile payment terminal I / F, extracts the terminal authentication information S1, And transmits it to the payment information D2 generation unit 116. [ Also, the beacon / BLE and the sensor control unit 112 are notified of the completion of the reception of the terminal authentication information S1, and the inactivity of the degree of sight sensor is deactivated and the BLE communication with the user terminal 200, that is, the BT bridge is terminated.

The payment information D2 generation unit 116 receives the terminal authentication information S1 from the terminal authentication information S1 processing unit 115 and calls the merchant information stored in the memory to generate payment information D2 for the payment And transfers it to the device platform 300 through the communication I / F unit.

At this time, only when it is determined that the operation of the user terminal is consistent with the predetermined operation, the payment information D2 is generated or the generated payment information D2 is generated, .

Accordingly, the payment information D2 transmitted to the device platform 300 includes a device ID which is a unique identification ID of the payment device, a transaction serial number including transaction date and time information generated at the transaction in the device, an authorization classification, a transaction amount, And payment information including payment information, as well as merchant information.

The MSR / NFC information processing unit 117 receives the payment information received from the MSR sensor or the NFC sensor activated in the MSR settlement process or the NFC settlement process, and transmits the settlement information to the settlement information (D2) generation unit 116 as described above . In this case, the mobile payment device 100 of the present invention performs settlement processing in a usual manner as a payment device using a conventional MSR sensor or an NFC sensor.

The payment completion information processing unit 118 receives the approval result information from the device platform 300 via the communication I / F, displays it on the input / display device through the user I / F, So that output such as a receipt is output.

The beacon / BLE and sensor setting unit 119 receives the setup information of the beacon / BLE module and various sensors from the seller or manager of the merchant through the user I / F, and performs storage and management. In particular, in the present invention, a plurality of payment beacon / BLE communication enabled areas can be preset and reset as payment areas by the input of a merchant or manager of a merchant, Each set value such as content value can be preset and reset.

3 is a configuration diagram of a mobile payment terminal 120 according to an embodiment of the present invention.

3, the mobile payment terminal 120 includes a Bluetooth communication module, which is connected to the mobile payment device 110 through communication and is used for transmission and reception of payment data, and performs necessary settings according to a command of the mobile payment device And transmits and receives a payment data signal by Bluetooth communication with the user terminal. The control application unit 120d and the instruction set associated therewith execute various functions of the mobile payment terminal 120 and process data A control application section 120b for controlling the MCU 120a, the BT communication module and the sensor module 120d, a mobile settlement apparatus I / F 120c for communication with the mobile settlement apparatus, one or more BT modules, (S), an MSR sensor, an NFC sensor, and a sensor module 120d.

The control application unit 120b may be a combination of dedicated software or hardware, software and hardware driven by the MCU 120a of the mobile payment terminal 120 according to the embodiment, The control application 120b may include an operating system (not shown), including a proprietary operating system (not shown) (e.g., an embedded operating system such as Android, Darwin, RTXC, LINUX, UNIX, OS X, WINDOWS or VxWorks) Or the like).

The control application unit 120b includes a beacon / BLE control unit 121 for controlling the BT module and processing BLE signals received from the beacon / BLE control unit 120b, a muscle tone sensor A control unit 122, an MSR control unit 123 for controlling the MSR sensor and processing signals received from the MSR sensor, and an NFC control unit 124 for controlling the NFC sensor and processing signals received therefrom.

The beacon data and the BLE data and the commands related thereto through the mobile settlement apparatus I / F 120c to control the BT module and the muscle tone sensor (s) Receives the BLE signal from the user terminal, recognizes the operation of the user terminal or the user, and performs the contactless mobile settlement process using the BT communication of the present invention.

In the payment processing process, the mobile payment device 110 controls the BT communicable area of the BT module according to a command transmitted in accordance with the input of the payment amount and the payment method of the seller, so that the receivable area of the payment beacon signal and the BT bridge For example, within a predetermined proximity distance, for example, within a predetermined distance of 20 cm or less, and to restrict transmission and reception of the BLE signal to the BT area. And recognizes the operation of the user terminal 200 or the user in accordance with each set value such as the range value of the operation recognition of the degree of the strength sensor and the content value of the motion recognition and outputs the recognized result to the mobile payment device 110. [ To the case of coinciding with a predetermined operation in the settlement area or when the operation is an entry operation to a proximity proximity distance of 10 cm or less, Proceed with data processing. This ensures the security of the BT communication in the payment system in a manner that responds to the sniffing attack of the hacker and prevents the error of the contactless payment using the BT communication

Hereinafter, the beacon / BLE control unit 121 and the muscle tone sensor control unit 122, which are related to securing the security of the BT communication and preventing the error of the contactless payment using the BT communication, will be described in detail.

4A is a configuration diagram of a beacon / BLE control unit 121 according to an embodiment of the present invention. 4A, the beacon / BLE control unit 121 includes a beacon / BLE setting control unit 121a, a beacon / BLE switch ON / OFF control unit 121b, a beacon signal processing unit 121c, a BLE signal processing unit 121d, And a module I / F.

The beacon / BLE setting control unit 121a changes the setting of the communicable area of the BT module according to the control command of the beacon / BLE and the sensor control unit 112. The beacon / The communication range of the BT module is set according to the control command and the setting value of the beacon / BLE and the sensor control unit 112 according to the input of the payment amount and the payment method of the seller at the time of the payment proceeding , And is set as a receivable area of the payment beacon signal and a transmission receivable area of the BLE signal by the BT bridge connection. According to the embodiment, the set value of the communication enabled area of the BT module is stored in the beacon / BLE setting control part 121a as a preset value or a received value, and is stored in the beacon / BLE and the control command of the sensor control part 112 The setting can be changed.

The beacon / BLE switching ON / OFF control unit 121b activates the Beacon signal transmission and BLE communication function of the BT module to be used or transmits the beacon signal transmission and BLE communication functions according to the control commands of the beacon / BLE and the sensor control unit 112 Deactivated to start or stop the transmission of the beacon signal or to start or terminate the BLE communication.

According to an embodiment, two BT modules are used, the first BT module is used for transmission of a beacon signal, and the second BT module can be used for transmission of a payment beacon signal and BLE communication. In this case, The first BT module is turned off to stop the transmission of the beacon signal and the second BT module is turned on to activate the transmission and BLE communication of the payment beacon signal to switch the BT bridge connection, Upon completion, the transmission of the payment beacon of the second BT module is turned off.

Upon receipt of a command to activate the payment beacon signal transmission and BLE communication function of the BT module according to the input of the payment amount and the payment method of the seller, payment beacon signal transmission and BLE communication are started, and the terminal authentication information S1 Upon completion of the reception, the BLE communication with the user terminal 200, that is, the BT bridge, is terminated by an instruction of the beacon / BLE and the sensor control unit 112. [

The beacon signal processing unit 121c transmits the beacon data transmitted from the beacon / BLE and the sensor control unit 112 via the mobile settlement apparatus I / F 120c to the beacon / BLE setting control unit 121a, And controls the BT module to transmit the data to the terminal. Two BT modules are used, and the first BT module is used for sending a beacon signal before a payment process started by inputting a payment amount and a payment method of a seller, and the second BT module is used for sending a payment beacon signal and BLE communication The beacon data before the payment processing may be transmitted to the beacon signal through the first BT module and the payment beacon data may be implemented to be sent out the payment beacon signal through the second BT module.

The BLE signal processing unit 121d transmits the BLE data transmitted from the beacon / BLE and the sensor control unit 112 via the mobile settlement apparatus I / F 120c to the beacon / BLE setting control unit 121a, And transmits a BLE signal for the terminal authentication information S1 received through the BT module from the user terminal to the BLE signal for the terminal authentication information S1 according to the BT bridge connection, And transmits the processed data to the mobile settlement apparatus 110 through the mobile settlement apparatus I / F 120c. As described above, in the embodiment where two BT modules are used, the BLE signal is transmitted through the second BT module, the BT bridge connection, and the BLE signal for the terminal authentication information S1 are received and processed.

4B is a block diagram of the degree of mynority sensor controller 122 of the embodiment of the present invention.

Referring to FIG. 4B, the sensor module recognizing the operation of the present invention may be constituted by one or more muscle tone level sensors. In this case, the muscle tone level sensor control unit 122 includes a muscle tone level sensor module setting control unit 122a, And a signal processing unit 122b.

The degree-of-muscularity sensor module setting control unit 122a sets the range value of the motion recognition of the degree of mynority sensor and the content value of the motion recognition according to the control command of the beacon / BLE and the sensor control unit 112. [ Set and change the range value of motion recognition. In addition, upon receiving a command for activating the motion recognition function of the muscle tone sensor according to the input of the payment amount and the payment method of the seller, the muscle tone sensor is activated to start motion recognition. When the terminal authentication information S1 is received , The beacon / BLE and the sensor control unit 112 to activate the myoelectricity sensor to terminate the motion recognition.

The muscle tone sensor signal processing section 122b processes the input signal from the muscle tone level sensor according to the range value of the motion recognition and the content value of the motion recognition to recognize the motion in the settlement area, For example, 10 cm or a predetermined operation in the settlement area, and outputs a resultant signal. To this end, a motion detection unit for basically determining whether there is a motion of a user terminal or a user from an input signal from the muscle tone sensor, a distance calculation unit for calculating the motion distance, a motion direction, time, Determining whether or not the operation in the settlement area coincides with the predetermined operation through at least one of the calculated velocity calculating section and the calculated motion, distance, direction, time, and velocity, and outputting the resultant signal And a recognition processing unit.

However, according to an embodiment of the present invention, when it is judged only whether or not to enter into the near proximity distance, the operation can be recognized only by information entered by the user terminal or the user in the setting area, that is, the distance of the operation recognition range value. It is also possible to perform motion recognition processing.

4C and 4D are schematic diagrams of the MSR control unit 123 and the NFC control unit 124. Referring to FIGS. 4C and 4D, in response to a control command of the beacon / BLE and the sensor control unit 112, And an MSR signal processing unit and an NFC signal processing unit for extracting payment data from each received signal in the same manner as a general MSR settlement system or an NFC settlement system.

The payment processing function and the MSR payment processing function NFC payment processing function using the Bluetooth beacon signal and the brightness level sensor may be simultaneously activated and activated for all the payment means. In this case, if the user terminal has the above three payment means, Can occur. Accordingly, a collision processing procedure is required, and FIG. 4E is a flowchart of a collision processing procedure between payment means in the embodiment in which the mobile payment terminal 120 is activated for all payment means.

Referring to FIG. 4E, when the user terminal data reception confirmation (s420) is performed according to the proximity check and the beacon / BLE signal transmission (s410), the NFC function activation and data transmission / reception are proceeded. Function activation data transmission and reception can be performed. In this way, the three payment means can be prevented from colliding with each other, by sequentially activating the functions with priority in the payment processing by the payment processing function using the Bluetooth beacon signal and the brightness level sensor.

5 is a configuration diagram of a user terminal 200 according to an embodiment of the present invention.

A user terminal 300 according to an embodiment of the present invention includes a billing application unit 210 for performing a mobile payment process according to an embodiment of the present invention, a display 220, an input / output I / F 230, a memory 240, (CPU) 250, a BT module 260, an internal and external communication I / F 270, and a GPS / communication module 280, and includes other general peripheral interfaces (not shown), RF circuits (not shown) Includes an audio circuit (not shown), a speaker (not shown), a microphone (not shown), an input / output (I / O), a subsystem (not shown), other input or control device 128 and an external port can do. These components communicate with each other via one or more communication buses or signal lines 110.

The user terminal 200 may include a combination of two or more such items as a smartphone, a handheld computer, a tablet computer, a mobile phone, a media player, a PDA, etc., But may be any portable electronic device, including, but not limited to, a configuration that is integral to performing the process. The various components shown in FIG. 5 may be implemented in hardware, software, or a combination of both hardware and software, including one or more signal processing and / or application specific integrated circuits.

The billing application unit 210 may be constituted by a beacon service APP and a set of settlement payment APPs divided into a plurality of settlement company APPs, or may be constituted by one application including them, and each beacon service APP and a plurality of settlement companies The payment APP may independently perform the mobile payment processing process independently of the following configurations and may be implemented as a single application by sharing some or all of the following configurations as functional modules.

The billing application unit 210 includes a billing application processing unit 211, a Beacon information reception processing unit 221, an activation processing unit 222, a terminal authentication information S1 generation unit 223, a payment authentication information S2 generation unit 224 A settlement request information processing unit 226, and a position information generating unit 225. The settlement request information processing unit 226 may be,

Upon receiving the beacon or the payment beacon, the payment application unit 210 activates and controls the related application.

In the case where the payment application processing unit 210 is constituted of a beacon service APP and a set of settlement payment APP classified into a plurality of settlement company APP, the settlement application processing unit 211 controls the beacon information reception processing unit 221, The processing unit 222, the terminal authentication information S1 generation unit 223, the payment authentication information S2 generation unit 224, the payment request information S3 generation unit 225, the payment completion information processing unit 226, The beacon information reception processing unit 221, the activation processing unit 222, the terminal authentication information (S1) generation unit 223 Only the payment authentication information S2 generation unit 224, the payment request information S3 generation unit 225, the payment completion information processing unit 226 and a part of the position information generation unit 225 function independently And a function module in the payment APP.

When the user terminal enters the store, that is, the service area (i.e., the beacon reception area), the beacon information reception processing part 221 is activated to store the APP execution information for service connection including standard UUID data according to the BLE standard The beacon including the beacon UUID having the service identification information is received, and the APP for the service connection is activated.

Accordingly, if the user terminal enters a predetermined area, that is, an affiliated store, through the service identification information including the APP execution information for the predetermined service connection included in the beacon UUID before the payment processing, the user terminal receives the beacon signal, The user is allowed to receive an advertisement or a coupon.

In addition, the activation processing unit 22 activates the payment APP of each settlement company, activates the BT module, proceeds with the BLE scan for the BT bridge connection, while the BLE scan of the activated payment APP is in progress, When the settlement UUID value equal to the UUID value stored in the App is confirmed, the BT bridge connection is performed to connect the BT bridge to the mobile payment device 100 connected to the BT bridge within the settlement area, and BLE The terminal authentication information S1 generating unit 223 extracts the settlement apparatus information D1 from the received settlement apparatus information D1 of the settlement apparatus information D1 and stores the settlement apparatus information D1 in the memory, Which includes a transaction classification including approval related information, a payment APP identification ID for identifying a payment APP to be executed, and a unique identification number of the corresponding user terminal, Generates a terminal authentication information S1 including a star ID, a payment APP subscription ID as a unique identification number of a payment APP service member and a device transaction serial number contained in the payment apparatus information D1, and generates BLE data therefrom And transmits it to the mobile payment terminal 120 through the BT module.

When the user terminal enters the settlement area (i.e., the payment beacon reception area), the beacon information reception processing part 221 is activated, and the reception range is limited to the proximity range that is the payment area and the standard UUID data according to the BLE standard The settlement beacon UUID including the settlement beacon UUID included in the settlement beacon UUID, the identification information for executing the settlement APP of the settlement company selected by the seller of the merchant included in the settlement beacon UUID, , The activation processor 22 activates the settlement APP of the corresponding settlement company, proceeds with the BLE scan for the BT bridge connection, and while the BLE scan of the activated settlement APP is in progress, the UUID value stored in the payment application in the settlement area When the same payment UUID value is confirmed, the BT bridge connection is performed to connect the mobile payment device 100 connected with the BT bridge and the BT The BLE data for the settlement apparatus information D1 is received via the communication and the terminal authentication information S1 is generated by the settlement apparatus information D1 from the BLE data of the settlement apparatus information D1 received, Extracts the device transaction serial number included in the settlement device information D1, extracts a transaction including the approval related information, a payment APP identification ID for identifying the payment APP to be executed, Generates a terminal authentication information S1 including a smartphone identification ID including a unique identification number, a payment APP subscription ID as a unique identification number of a payment APP service member, and a device transaction serial number included in the payment apparatus information D1 And transmits the BLE data to the mobile payment terminal 120 through the BT module.

The settlement authentication information S2 generation unit 224, the settlement request information S3 generation unit 225, the settlement completion information processing unit 226, and the positional information generation unit 226 So as to perform the respective functions.

The beacon information reception processing unit 221 receives the beacon including the beacon UUID having the service identification information including the APP execution information for service connection including the standard UUID data according to the BLE standard through the BT module before the payment processing, Extracts a beacon UUID having service identification information including APP execution information for connection and an identifier for executing the service APP, and transfers the beacon UUID to the activation processing unit 222. [

In addition, the beacon information reception processing unit 221 receives the payment Beacon signal including the payment beacon UUID whose reception range is limited to the proximity range that is the payment area and includes standard UUID data according to the BLE standard, and transmits the payment beacon UUID Extracts the payment beacon UUID having the identification information of the payment APP of the payment company of the payment method selected by the seller of the affiliated merchant and an identifier for executing the payment APP, and transmits the extracted payment beacon UUID to the activation processing unit 222.

Upon reception of the beacon UUID from the beacon information reception processing unit 221, the activation processing unit 222 activates and executes a service APP for a specific service connection to induce the user terminal user who has entered the service area to receive the service . In addition, a BLE scan for the BT bridge connection is performed by activating the payment APP of each settlement company, activating the BT module, and performing a BLE scan of the activated payment APP, the UUID value stored in the payment application in the payment area When the same payment UUID value is confirmed, BT bridge connection is performed to perform BT communication with the mobile payment device 100 connected to the BT bridge within the payment area.

On the other hand, upon receiving the payment beacon UUID, the payment APP of the payment company is activated according to the identification information for executing the payment APP of the payment method selected by the seller of the merchant included in the payment beacon UUID, The BT module activates the BLE scan for connection to the BT bridge and while the BLE scan of the activated payment APP is in progress and the payment UUID value equal to the UUID value stored in the payment application in the payment area is confirmed, The BT bridge connection is made to perform BT communication with the mobile payment device 100 connected to the BT bridge within the settlement area.

According to an embodiment of the present invention, when the activation processing unit 222 activates the payment APP by activating the BT module and activating the BT bridge in the payment APP of the payment company, the payment APP activates the BT module by itself Activates the BLE scan for connection of the BT bridge and proceeds with the BLE scan of the activated payment APP. If the payment UUID value equal to the UUID value stored in the payment application is confirmed in the payment area, the BT bridge connection is proceeded through It is possible. At this time, the activation processing unit 222 defines a configuration having a function of activating the BT module and proceeding with the BT bridge connection in the payment APP.

The terminal authentication information S1 generation unit 223 generates BLE data B10 for the payment apparatus information D1 received from the mobile payment apparatus 100 through the BT communication with the mobile payment apparatus 100 connected to the BT bridge in the settlement area, Extracts the settlement device information D1 from the settlement device information D1, extracts the settlement device information D1 from the settlement device information D1 and extracts the device transaction serial number included in the settlement device information D1 to classify the transaction including the approval related information, A smartphone identification ID including a unique identification number of the corresponding user terminal, a payment APP subscription ID that is a unique identification number of a payment APP service member, and a device transaction serial number included in the payment device information (D1) Generates the authentication information S1, generates BLE data for the terminal authentication information S1, and transmits it to the mobile payment terminal 120 through the BT module.

The settlement authentication information S2 generating unit 224 displays an input UI for inputting payment means such as card information and user identification information on the display 220 of the user terminal to receive the user's selection and input, As the payment authentication information S2, the payment method information and user identification information input through the UI and the date and time when the transaction date information, for example, the input of the user identification information is completed. The settlement authentication information (S2) generation unit 224 may be implemented with a specific functional configuration included in the payment APP.

In addition to the window for inputting the payment means and the user identification information, the payment information included in the settlement device information D1 may be displayed together with the UI, and the user identification information may include numeric password, fingerprint, Recognition, and the like, and the input UI can be implemented in various ways according to the type of the selected identification information.

The settlement request information S3 is generated by combining the location information of the user terminal generated by the location information generating unit 227 with the terminal authentication authentication information S1 and the payment authentication information S2, And transmits the APP settlement request including the APP settlement request information S3 and the received settlement device information D1 to the settlement company / financial institution system 400 via the communication I / F.

The settlement completion information processing unit 226 receives the approval result information S4 for the APP settlement request from the settlement company / financial institution system 400 via the communication I / F, And outputs it.

The location information generation unit 227 analyzes the signals or data received from the GPS module, the Wifi module, and the LTE module to generate location information of the terminal and transmits the generated location information to the payment request information (S3) Lt; / RTI >

3. [Device platform 300 and payment company / financial institution system 400 of the present invention]

FIG. 6A is a configuration diagram of an exemplary device platform 300 of the present invention, FIG. 6B is a flowchart illustrating a main task process of the device platform 300 of the present invention, FIG. 7 is a flowchart 400 shown in FIG.

A device platform 300 and a payment company / financial institution system 400 that perform mobile settlement processing in cooperation with the non-contact mobile payment device 100 and the user terminal 200 described above with reference to FIGS. 6A to 7 will be described.

The device platform 300 receives the device payment information D2 and the terminal authentication information S1 that have added the merchant information to the payment apparatus information D1 at the mobile payment apparatus 100 and receives the terminal authentication information S1, And generates payment transaction information D3 including the device payment information D2 and the settlement serial number and the merchant shop location information which is the latitude and longitude information of the pre-registered merchant address, Request information to the payment company / financial institution system 400 as the device payment request information together with the information S1 and receives and processes the payment approval result D4 of the payment company server 410 / financial company server 420. [

The merchant location information is stored in advance in the device information associated with the merchant information when the mobile payment device is distributed to the merchant. The merchant location information is obtained by comparing the location information of the merchant with the terminal location information included in the APP settlement request information S3 from the separated user terminal to determine the coherence of the location of the merchant or device that proceeds the settlement processing as the transaction location information, In order to reduce the risk of unfair settlement by determining that the location information is inconsistent, that is, when the location of the device is determined to be a place other than the merchant, the payment approval is pending or rejected and, in addition, In order to control and manage it.

6A and 6B, the device platform 300 manages the mobile payment device 100 including the merchant location information, merchant-related information and payment information, and the settlement processing unit 310, the sales management unit 320, An authentication authority management unit 330, and a service API processing unit 340.

The payment processing unit 310 includes a payment information D2 receiving unit 311 for receiving the device payment information D2 to which the merchant information is added to the payment device information D1 in the mobile payment device 100, Generates settlement transaction information (D3) including the device payment information (D2) and the settlement serial number and the merchant location information, which is latitude and longitude information of the pre-registered merchant address, (D3) generating unit 312 for sending a device settlement request including the information S1 and the settlement transaction information D3 to the settlement company / financial institution system 400 and requesting approval, a settlement company / financial institution system (D4) receiving processing unit 310a for receiving and processing the settlement approval result D4 from the settlement processing unit 400 and an embedding / settlement processing unit 310b for performing embezzlement processing for the merchant.

The sales management unit 320 performs merchant management, device management, and user management, and registers and manages necessary information.

The authentication authority management unit 330 performs authentication control for the user, system access authority control, and access control for the service API. The service API processing unit manages the API server and manages and verifies various data and key values. .

Referring to FIG. 7, the payment company / financial institution system 400 receives from the user terminal 200 the APP settlement request information S3 including the location information of the user terminal and the settlement device information D1 Receives the APP settlement request, receives the device settlement request of the device platform including the settlement transaction information D3 including the merchant location information and the terminal authentication information S1 from the device platform 300, compares the data Verify. The data to be verified and validated includes payment APP subscription ID, payment authentication information, Device ID, transaction serial number, merchant information, payment serial number, transaction date and time information, and transaction location information. If the payment company server 410 is divided into the payment company server 410 and the financial institution system 420 and the verification server 410 has succeeded in verification, the approval request for the payment request is transmitted to the financial company system 420, And transmits the result to the user terminal 200 and the device platform 300 as a payment approval result S4 and D4, respectively.

7, the payment company server 410 includes a device settlement request (D3, S1) receiving unit 411, an APP settlement request (S3, D1) receiving unit 412, a payment validity verifying unit 413, A request result receiving unit 414, and a payment completion information processing unit 414. [

The device settlement request D3 and S1 receives the payment transaction information D3 including the merchant location information from the device platform 300 through the second network and the device ID of the device platform including the terminal authentication information S1 And receives a payment request.

The APP settlement request S3 and D1 receiving unit 412 receives the APP settlement request information S3 including the location information of the user terminal from the user terminal 200 through the first network, And receives an APP settlement request of the terminal.

The payment validity verifying unit 413 compares and verifies each data included in the device settlement requests D3 and S1 and the APP settlement requests S3 and D1. At this time, the data to be verified includes payment APP subscription ID, billing authentication information, device ID, transaction serial number, merchant information, payment serial number, transaction date information, and transaction location information. The financial institution 420 having received the approval request determines whether it is approved or not. If the approval result is transmitted, the approval request result reception unit 414 receives the approval request, And transmits it to the user terminal 200 and the device platform 300 as the payment approval results S4 and D4 in the processing unit 414. [

4. [Method of processing payment data of mobile payment device of contactless mobile payment device using Bluetooth communication and mobile payment method of mobile payment system]

8 is a flowchart of a payment data processing procedure of the mobile payment apparatus 100 according to an embodiment of the present invention. Referring to FIG. 8, the payment data processing step of the mobile payment apparatus 100 is not overlapped with the above- Explain.

Referring to FIG. 8, a payment data processing method of a non-contact mobile payment device using a Bluetooth beacon signal and a muscle tone sensor according to the present embodiment includes a beacon information generation / transmission step S100, a payment amount and method selection input S120, (Step S120), the mobile payment terminal function is activated (S130), the BT communication authentication and BT bridge connection step (S140), the settlement device information (D1) generation step (S150), the settlement device information Step S160, operation recognition step S170, terminal authentication information S1 and payment information D2 transmission step S180, and payment completion information D4 reception and processing S190. In the case of the beacon information generation / transmission step S100, it may be omitted as an additional step. The terminal authentication information S1 and the settlement information D2, which are defined as exemplary contents of each information, And can be implemented.

The beacon information creation / transmission step (S100) includes a beacon UUID including standard UUID data according to the BLE standard before payment data processing initiated by inputting the payment amount and payment method of the user of the merchant, and the beacon UUID includes a specific service connection And transmits the beacon signal including the service identification information including the APP execution information for the beacon signal.

In the payment amount and method selection input (S120), the payment amount and the payment method of the seller are input.

The billing Beacon / BLE setting change step S120 activates the beacon / BLE data generating unit 113 according to the input of the payment amount and the payment method of the seller and calls information of the payment company including the payment UUID according to the payment method The BLE data including the payment beacon data and the payment UUID is generated and the settlement beacon / BLE communication coverage area is set as the payment area that is a predetermined proximity distance.

The mobile payment terminal function activation step (S130) activates the payment beacon signal transmission and BLE communication function of the BT module and activates the motion recognition function of the eye level sensor according to the input of the payment amount and the payment method of the seller.

In the BT communication authentication and BT bridge connection step (S140), if the payment UUID value is confirmed in the user terminal 200 and the BT bridge connection is requested through the BT bridge authentication connection, the process of authenticating the BT bridge connection and completing the BT bridge connection with the user terminal 200 .

The settlement device information D1 generation step S150 generates the device authentication information D1 when the BT bridge connection is completed, and generates the BLE data.

The settlement device information D1 transmission step S160 transmits BLE data for the device authentication information D1 through the BT bridge connection to the user terminal and receives the terminal authentication information S1 from the user terminal do.

The operation recognizing step (S170) recognizes the operation of the user terminal or the user in the settlement area and performs a process of determining whether or not it coincides with the preset operation.

The terminal authentication information S1 and the settlement information D2 transmission step S180 generate the settlement information D2 when the recognized operation matches the preset operation and generate the terminal authentication information S1 and the settlement information D2 ) To the device platform.

The payment completion information D4 receiving and processing step (S190) receives the payment approval result from the device platform, and performs a process of outputting and storing the payment approval result.

9 is a flowchart of a payment data processing process of the user terminal 200 according to an embodiment of the present invention. Referring to FIG. 9, a payment data processing method in a user terminal 200 interworking with a contactless mobile payment device using a Bluetooth beacon signal and a muscle tone sensor according to the present embodiment includes a Beacon reception and service processing step (S200), a Beacon reception And the application activation step S210, the BT bridge connection step S220, the terminal authentication information S1 creation and transmission step S230, the payment means selection and user identification information input reception step S240, the payment authentication information S2, The APP settlement request information S3 generating step S250, the APP settlement request S3 and D1 transmission step S260 and the payment completion information S4 receiving and processing step S270.

The beacon reception and service processing step (S200) includes a beacon UUID including standard UUID data according to the BLE standard before payment data processing, which is initiated by inputting the payment amount and the payment method of the user of the merchant, And transmits the beacon signal including the service identification information including the execution information of the APP for the service connection.

The beacon reception and application activation step (S210) includes a payment beacon UUID that is distance-adjusted to a predetermined settlement area and includes standard UUID data according to the BLE specification, and the payment beacon UUID includes the payment method selected by the user of the merchant Upon receipt of the BLE signal including the payment beacon signal and the payment UUID including the identification information for executing the payment APP of the included payment company, the BT module is activated in the BLE communication standby state and the payment APP of the payment company is activated to perform the BLE scan Perform the ongoing process.

According to an embodiment, the beacon UUID is pre-turned on by the system or user, and the BT module of the user terminal 200, which is in a standby state, is switched to the BLE communication standby state, and the payment APP of a plurality of payment companies The beacon signal receiving and application activating step may be started by receiving the beacon signal before the payment data processing.

In the BT bridge connection step (S220), if a payment UUID value equal to the UUID value stored in the payment application during the BLE scan in the payment area is confirmed, the BT bridge connection step is performed to connect the BT bridge to the mobile payment device 100) and the settlement device information (D1) through the BT communication.

Upon receiving the settlement device information D1, the terminal authentication information S1 generating and transmitting step S230 generates terminal authentication information S1 including the device transaction serial number included in the settlement device information D1 To the mobile payment device 100 connected to the BT bridge in the settlement area.

The payment method selection and user identification information input receiving step (S240) includes displaying the UI for inputting the payment means and the user identification information on the display device of the user terminal and receiving the payment means selection and user identification information from the user .

The settlement authentication information S2 and the APP settlement request information S3 generating step S250 generate settlement authentication information S2 including the inputted payment means selection and user identification information and transaction date and time information, And generates APP settlement request information S3 including the terminal authentication information S1, payment authentication information S2 and terminal location information.

The APP settlement request S3 and D1 transmission step S260 generates an APP settlement request including the APP settlement request information S3 and settlement device information D1 and transmits it to the settlement company / .

The payment completion information (S4) receiving and processing step (S270) receives the payment approval result from the payment company / financial institution system (400), and performs a process of outputting and storing the payment approval result.

FIG. 10 is a flowchart of a mobile settlement method of a mobile settlement system according to an embodiment of the present invention. FIG. 11 is a flowchart of a settlement data processing process in the device platform 300 according to an embodiment of the present invention. FIG. 13 is a detailed flowchart of a payment approval processing process in the payment company / financial institution system 400 according to an embodiment of the present invention. FIG. 13 is a flow chart of a payment data processing process in the payment company / to be.

The payment data processing of the mobile payment device and the payment data processing at the user terminal 200 are started or proceeded by the behavior and / or the pseudo indication and input of the seller and the user terminal user, And the payment approval process in the payment company / financial institution system 400 are combined to constitute a mobile payment method of the mobile payment system.

Referring to FIG. 10, the mobile payment device 100 generates / transmits beacon information in which a store is set as a receivable area as a service area. The beacon signal includes a beacon UUID including standard UUID data according to the BLE standard, and the beacon UUID includes service identification information including APP execution information for service connection.

When a user having the user terminal 200 enters a store that is a service area that is a receivable area of the beacon signal, the user terminal 200 includes a beacon UUID including standard UUID data according to the BLE standard, Receives a Beacon signal including service identification information including APP execution information for a service connection, and executes a Beacon reception and service processing step of executing an APP for accessing the service. Thereby guiding the user who has entered the service area to access or receive a specific service.

Then, the user who intends to purchase the goods in the store displays the intention of payment to the seller. The location of the user is a location adjacent to the mobile payment device 100 at the counter. The mobile payment device 100 activates the beacon / BLE data generation unit 113 according to the input of the payment amount and the payment method of the seller, BLE data including billing beacon data and payment UUID is generated by calling information of a payment company including a payment UUID according to a payment method, and setting a settlement beacon / BLE communication enable area as a settlement area that is a predetermined proximity distance Perform the beacon / BLE configuration change step.

The mobile payment terminal function activating step, which is a process of activating the payment beacon signal transmission and BLE communication function of the BT module and activating the motion recognition function of the muscle tone sensor according to the input of the payment amount and the payment method of the seller, Upon entering the settlement area of the terminal, the payment beacon signal reception and BLE communication are possible and the user is ready to recognize the settlement operation.

The merchant or mobile payment device 100 requests the user to access the user terminal on the mobile payment terminal.

Accordingly, the payment beacon UUID including standard UUID data that is distance-adjusted to a predetermined settlement area and conforms to the BLE standard is included, and the settlement beacon UUID includes execution of payment APP of the payment company included in the payment method selected by the user of the merchant And a BLE signal including a payment UUID, the mobile terminal activates the BT module to the BLE communication standby state and activates the payment APP of the payment company to perform the BLE scan, Perform the activation step.

According to an embodiment, the beacon UUID is pre-turned on by the system or user, and the BT module of the user terminal 200, which is in a standby state, is switched to the BLE communication standby state, and the settlement APP of a plurality of settlement companies The beacon reception and application activation step may be started by receiving the beacon signal before the settlement processing.

When the user terminal enters the settlement area, the user terminal 200 proceeds to connect the BT bridge by checking the settlement UUID value equal to the UUID value stored in the settlement application during the BLE scan in the settlement area, A BT bridge connection step (S220) of receiving the settlement device information (D1) through the BT communication with the mobile payment device (100) connected to the bridge is performed. At the same time, when the payment UUID value is confirmed in the user terminal 200 and the BT bridge connection is requested, the mobile payment device 100 authenticates the BT bridge connection and completes the BT bridge connection with the user terminal 200, BT bridge connection step, generates the device authentication information (D1), and generates and transmits BLE data therefor.

Upon receiving the payment device information D1, the user terminal 200 generates the terminal authentication information S1 including the device transaction serial number included in the payment device information D1 and transmits the terminal authentication information S1 including the BT bridge within the payment area A UI for inputting payment means and user identification information is displayed on the display device of the user terminal, and the user authentication information (S1) is transmitted to the mobile payment device 100, A payment means selection step of receiving the user identification information, and a user identification information input step.

Then, payment authorization information S2 including payment method selection and user identification information and transaction date information is generated, terminal position information is generated, and the terminal authentication information S1, payment authentication information S2, (APP) generating payment authorization information (S2) and APP payment request information (S3), which is a process of generating APP payment request information (S3) including location information, And transmits the generated APP settlement request to the settlement company / financial institution system 400.

Meanwhile, after receiving the terminal authentication information S1 from the user terminal 200, the mobile payment device 100 recognizes the operation of the user terminal or the user in the settlement area through the user's activity level sensor, A step of generating payment information D2 when the recognized operation coincides with the predetermined operation and transmitting the terminal authentication information S1 and payment information D2 to the device platform And transmits the terminal authentication information S1 and payment information D2.

11, in the device platform 300, the merchant for processing the tasks of the sales management unit 320, the authentication authority management unit 330, and the service API processing unit 340 and the device information setting / management process S300 (D2) reception processing step (S310) for receiving the terminal authentication information (S1) and the payment information (D2), and a payment serial number as a serial number for payment The payment transaction information D3 including the device payment information D2 and the settlement serial number and the merchant location information which is the latitude and longitude information of the pre-registered merchant address and generates the terminal authentication information S1 and the terminal authentication information D2 received from the user terminal (D3) and a device payment request (D3, S1) for requesting approval from the payment company / financial institution system (400) as the device payment request information, and the payment server 410 / The payment approval of the server 420 (D4) receiving processing step (S330) for receiving and processing the payment completion information (D4) and payment completion information (D4) for transferring the settlement approval result (D4) to the mobile payment device (100) And performs a payment data processing process.

12, the payment company / financial institution system 400 receives an APP settlement request (S3, D1) and a device settlement request (D3, S1) from the payment company server 410 (S410) A payment validity checking step 420 for comparing the information of the APP settlement requests S3 and D1 with the information of the device settlement requests D3 and S1 to generate approval data for the payment request, (S440) for verifying the approval data and determining whether to approve the approval data at the financial institution server and receiving the approval data (S440), and if the approval data is received, (S4, D4) for generating the acknowledgment message (S4, D4) for transfer to the device platform (300) and the user terminal, respectively, and processing the payment data including the transmission processing step (440).

Referring to FIG. 13, the data included in the device settlement request (D3, S1) and the APP settlement request (S3, D1) of the settlement validity verification step 420 are compared and verified in the verification process. An APP subscription ID, settlement authentication information, a device ID, a transaction serial number, merchant information, a payment serial number, a transaction date information, and transaction position information. The transaction position information includes a merchant address included in the payment transaction information (D3) The merchant location information, which is the latitude and longitude information, and the user terminal location information included in the APP settlement request information S3 are compared and verified. If the transaction location information is inconsistent, the settlement error process is performed and the error message is transmitted.

Also, in the foregoing description, the terms " system, " " device, " and " section " may be a single processing device or a plurality of processing devices. Such a processing device may be a microprocessor, a microcontroller, a digital signal processor, a microcomputer, a central processing unit, a field programmable gate array, a programmable logic device, a state machine, a logic circuit, an analog circuit, a digital circuit, and / (Analog and / or digital) based on hard coding of operational instructions. The processing module, module, processing circuit, and / or processing unit may be implemented as a single memory device, a plurality of memory devices, and / or a combination of the processing modules, the processing circuitry, and / Lt; / RTI > memory and / or an integrated memory element. Such a memory device may be any device that stores read only memory (ROM), random access memory (RAM), volatile memory, non-volatile memory, static memory, dynamic memory, flash memory, cache memory, and / . If the processing module, the module, the processing circuit, and / or the processing unit include one or more processing devices, the processing devices may be centrally located (i.e., directly or indirectly via a wired and / Connected), distributed (e.g., cloud computing via an indirect connection over a local and / or wide area network). If the processing module, module, processing circuit, and / or processing unit implements one or more of those functions through a static machine, analog circuitry, digital circuitry, and / or circuitry, memory and / It should further be noted that the corresponding operating instructions may be internal or external to the circuit including the static machine, analog circuitry, digital circuitry, and / or logic circuitry. The memory element may be stored and the processing module, module, processing circuitry, and / or processing unit may be configured to store a hard-coded and / or hard-coded data item corresponding to at least a portion of the steps and / or functions depicted in one or more of the figures It should be further noted that it carries out operational instructions. Such a memory device or memory element may be included within the components of the manufacture.

The invention has been described above with the aim of method steps illustrating the performance of certain functions and their relationships. The boundaries and order of these functional components and method steps have been arbitrarily defined herein for convenience of description. Alternative boundaries and sequences may be defined as long as the specific functions and relationships are properly performed. Any such alternative boundaries and sequences are therefore within the scope and spirit of the claimed invention. In addition, the boundaries of these functional components have been arbitrarily defined for ease of illustration. Alternative boundaries can be defined as long as certain important functions are properly performed. Likewise, the flow diagram blocks may also be arbitrarily defined herein to represent any significant functionality. For extended use, the flowchart block boundaries and order may have been defined and still perform some important function. Alternative definitions of both functional components and flowchart blocks and sequences are therefore within the scope and spirit of the claimed invention. Those skilled in the art will also appreciate that the functional components and other illustrated blocks, modules, and components herein may be implemented as illustrated or as separate components, such as semiconductor integrated circuits (ASICs) And the like, or any combination thereof.

The invention may also be described, at least in part, in the language of one or more embodiments. Embodiments of the invention are used herein to describe the invention, aspects thereof, features thereof, concepts thereof, and / or examples thereof. The physical embodiment of an apparatus, article of manufacture, machine, and / or process for implementing the invention may include one or more aspects, features, concepts, examples, etc., described with reference to one or more embodiments described herein . Moreover, in the entire drawings, embodiments may incorporate the same or similarly named functions, steps, modules, etc. that may use the same or different reference numerals, and so forth, Steps, modules, etc., may be the same or similar functions, steps, modules, etc., or the like.

In the meantime, the term " processing unit "is used in the description of various embodiments of the present invention. A module includes a functional block implemented via hardware to perform one or more functions, such as processing one or more input signals to produce one or more output signals. The hardware implementing the functional block may operate directly by combining software and / or firmware. As used herein, a module may include one or more sub-modules that are themselves modules.

While various combinations of features and specific combinations of features of the present invention are explicitly described herein, other combinations of these features and functions are likewise possible. The present invention is not limited to the specific examples disclosed herein, and explicitly incorporates these different combinations.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

100: mobile payment device 110: mobile payment device
120: mobile payment terminal 200: user terminal
300: device platform 400: payment company / financial institution system

Claims

A contactless mobile payment device using Bluetooth communication,
And a communication module including a Bluetooth communication module for processing the payment data, receives input of settlement related information from a user of the merchant through the user interface, receives the setting for the sensor module, A mobile payment apparatus 110 for generating a command for controlling the Bluetooth communication module and the sensor module according to the received payment information and transmitting and receiving payment data to and from the user terminal through the Bluetooth communication module, And a mobile payment terminal (120) for transmitting and receiving a payment data signal by Bluetooth communication with a user terminal by changing a necessary setting according to a command of the mobile payment apparatus, including a Bluetooth communication module used for transmission and reception of payment data,
The mobile payment apparatus (110)
A command for shortening the communication coverage area of the Bluetooth communication module to a predetermined short distance at the time of payment processing initiated by inputting a payment amount and a payment method of the user of the merchant, and transmitting the command to the mobile payment terminal 120,
The mobile payment terminal (120)
Wherein the Bluetooth communication module is configured to restrict a Bluetooth communicable area by setting a communicable area of the Bluetooth communication module to the shortened distance in accordance with a command to shorten and shorten the communicable area of the Bluetooth communication module to a predetermined short distance, And a sensor module configured to transmit and receive the settlement data signal by Bluetooth communication with the user terminal only in the communicatable region and to recognize the operation of the user terminal in the shortened and adjusted near range, The mobile terminal 100 recognizes the operation of the user terminal in the shortened distance by the distance sensor, determines whether the operation of the user terminal is consistent with the predetermined operation, and transmits the result to the mobile payment device 110,
Wherein the predetermined operation is an operation of entering a predetermined point within a distance closer to the mobile payment terminal (120) than the shortened adjusted distance,
The mobile payment terminal (120)
And calculating a distance from the mobile payment terminal (120) of the user terminal within the shortened controlled proximity via the at least one muscle level sensor to determine a distance closer to the mobile payment terminal (120) The mobile payment apparatus 110 transmits the result to the mobile payment apparatus 110. The mobile payment apparatus 110 transmits the result to the mobile payment apparatus 110,
The mobile payment apparatus (110)
If the operation of entering the user terminal into a predetermined point within a distance closer to the mobile payment terminal 120 than the short-circuited distance is recognized and the recognized operation is determined to coincide with the predetermined operation, processing of payment data Wherein the non-contact mobile payment device uses the Bluetooth communication.

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The mobile payment device (110) according to claim 1, wherein the mobile payment device (110) controls the mobile payment terminal (120) before a payment process started by inputting a payment amount of a user of the merchant and a payment method, And the beacon signal includes a beacon UUID including standard UUID data according to the BLE standard,
Wherein the beacon UUID includes a predetermined identifier for allowing the Bluetooth module of the user terminal to switch to the BLE communication standby state and to enable the payment APP of a plurality of payment companies mounted on the user terminal to activate the BLE scan. Contactless mobile payment device using.

The method according to claim 6,
Wherein the beacon UUID includes service identification information including APP execution information for a predetermined service connection.

The mobile payment apparatus (110) of claim 1, wherein the mobile payment apparatus (110) controls the mobile payment terminal (120) when the payment amount and the payment method of the user of the merchant are inputted, And a Bluetooth bridge for data communication with a user terminal that has entered the communicable area, and transmits and receives the payment data.

9. The method of claim 8,
When the payment amount and the payment method of the user of the merchant are input, the mobile settlement apparatus 110 transmits the settlement beacon signal in which the communication coverage area is shortened by controlling the mobile payment terminal 120, And the payment beacon UUID including standard UUID data according to the specification, the payment beacon UUID includes identification information for executing a payment APP of the payment company included in the payment method selected by the user of the merchant, ) Of the Bluetooth module is switched to the BLE communication standby state and the payment APP of the payment company included in the payment method selected by the user of the merchant is activated to perform the BLE scan. Contactless mobile payment device using.

2. The method as claimed in claim 1, wherein the mobile payment device (110) is connected to the mobile terminal (100) via a Bluetooth bridge connection for data communication with the user terminal in a short- The settlement device information D1 including the unique identification ID of the mobile settlement apparatus 110 and the settlement content information, which is information for authenticating the contents, to the user terminal, and the validity of the settlement APP and the user or user terminal from the user terminal And receives the terminal authentication information (S1), which is information for authenticating the contents of the transaction, using the Bluetooth communication.

The method according to claim 1,
Wherein the shortened distance is less than or equal to 20 cm and the distance closer to the mobile payment terminal (120) is less than or equal to 10 cm.

A method for processing payment data in a contactless mobile payment device using a Bluetooth communication and comprising a sensor module configured with at least one muscle strength sensor and recognizing the operation of the user terminal,
A payment amount and method selection input step (S110) in which the seller inputs a payment amount and a payment method,
Activates the beacon / BLE data generation unit 113 according to the input of the seller's payment amount and the payment method and calls the information of the payment company including the payment UUID according to the payment method to generate BLE data including the payment beacon data and the payment UUID (S120) of setting a payment beacon / BLE setting for setting a communicable area of the Bluetooth communication module as a predetermined proximity distance,
A mobile payment terminal for activating a BLE communication function of the Bluetooth communication module according to an input of a payment amount and a payment method of a seller and activating an operation recognition function of the sensor module, Function activation step S130,
A BT communication authentication and BT bridge connection step (S140) for authenticating the Bluetooth bridge connection request and confirming the Bluetooth bridge connection with the user terminal 200 when the payment UUID value is confirmed in the user terminal 200,
(S150) of generating settlement device information (D1) for generating device authentication information (D1) and generating BLE data therefrom when the Bluetooth bridge connection is completed,
(S160) of transmitting settlement device information (D1) for transmitting BLE data on the device authentication information (D1) to the user terminal through the Bluetooth bridge connection and receiving the terminal authentication information (S1)
An operation recognizing step (S170) of recognizing the operation of the user terminal in the settlement area through the sensor module configured by the at least one degree of lightness sensor and recognizing the operation of the user terminal and determining whether or not the operation matches the predetermined operation;
Includes the terminal authentication information S1 and the payment information D2 transmission step S180 for generating the payment information D2 and transmitting the terminal authentication information S1 and the payment information D2 to the device platform,
The billing Beacon / BLE setting change step (S120)
By setting a communication area of the Bluetooth communication module to a short-circuited short distance to restrict a Bluetooth communicable area, thereby setting a settlement area that is a predetermined proximity distance and transmitting the Bluetooth communication to the user terminal only in the short- To transmit and receive data,
The operation recognition step (S170)
And a sensor module that is configured by the one or more sensors to recognize the operation of the user terminal, calculates a distance from the user terminal within the shortened distance to a preset point within a shorter distance than the shortened distance, When the operation of entering the user terminal is recognized, it is determined that the recognized operation coincides with the predetermined operation,
The terminal authentication information (S1) and the settlement information (D2) transmission step (S180)
If it is determined that the operation of entering the user terminal into the preset point within a distance shorter than the shortened distance is shorter than the short distance, the payment information D2 is generated and the terminal authentication information S1) and payment information (D2) to the device platform. The method of processing payment data in a contactless mobile payment device using Bluetooth communication.

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The method of claim 12, wherein
The mobile payment terminal function activation step (S130) activates the payment beacon signal transmission function, and the payment beacon signal includes a payment beacon UUID including standard UUID data according to the BLE standard, and the payment beacon UUID includes The Bluetooth module of the user terminal 200 is switched to the BLE communication standby state and the payment module of the payment company included in the payment method selected by the user of the merchant Wherein the payment APP is activated and a BLE scan is carried out. The method of processing payment data in a non-contact mobile payment device using Bluetooth communication.

13. The method of claim 12,
A beacon UUID including standard UUID data according to the BLE standard before the settlement data processing initiated by inputting the payment amount and the payment method of the user of the merchant is included and the beacon UUID includes a service identification Further comprising a beacon information generating / transmitting step (S100) for transmitting a beacon signal including information to the non-contact mobile payment device.

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15. A recording medium on which a program for executing the method of any one of claims 12, 14 and 15 is recorded.