KR101658607B1

KR101658607B1 - Contactless gratitude points data processing device using bluetooth communication and gratitude points data processing method using thereof

Info

Publication number: KR101658607B1
Application number: KR1020150070703A
Authority: KR
Inventors: 신용재; 권용태; 한근석; 김재연; 장승만; 김종각; 박진수
Original assignee: 김종각; 박진수
Priority date: 2015-05-20
Filing date: 2015-05-20
Publication date: 2016-09-21

Abstract

The present invention relates to a contactless point data processing device using Bluetooth communication in one aspect. The contactless point data processing device comprises: a data processing device (110) to process point data by receiving membership service processing information from a user of an affiliated store through a user interface, to produce a command for controlling a Bluetooth communication module and a sensor module according to a set input by receiving the setting for the sensor module and a communication module including the Bluetooth communication module for the processing of the point data, and to transmit and receive the point data with a user terminal through the Bluetooth communication module; and a data transmission and reception terminal (120) to be connected to the data processing device (110) by communication, to change the necessary setting according to a command of the data processing device by including the Bluetooth communication module used for the transmission and reception of the point data, and to transmit and receive a point data signal with the user terminal by Bluetooth communication. The data processing device (110) produces a command to reduce and control a communication available area of the Bluetooth communication module as a predetermined short distance in the processing of the point data which is started by payment of a user of the affiliated store or the input and accumulation of point quantity or an input of membership service processing information which is a selective input of the use. The data transmission and reception terminal (120) transmits and receives the point data with the user terminal by the Bluetooth communication by setting the communication available area of the Bluetooth communication module as the reduced and control short distance.

Description

[0001] The present invention relates to a contactless point data processing device using Bluetooth communication and a point data processing method using the contactless point data processing device using Bluetooth communication.

The present invention relates to a point data processing system and a point data processing method, and more particularly, to a contactless point data processing device using Bluetooth communication and a point data processing method using the same.

In order to secure and maintain customers' customers, points are earned and used services are provided by providing coupons or mileage points when customers purchase products, and most point earning and use systems are implemented as one function of payment devices And is implemented in such a way as to be linked with the settlement processing through the settlement apparatus or to accumulate points by using a separate accumulation apparatus.

In the case of the point accumulation and use system, a general accumulation card may be used based on a general membership number or the like using a general settlement device as a point accumulation device or a separate accumulation-only device, Phone number, etc., and processes the point data to accumulate and use it.

In particular, the point data processing for point use is performed in a manner that is approved and approved in the same manner as the processing of general payment data.

Meanwhile, 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 smartphones and the spread of broadband mobile communication networks. Currently, Can be largely divided into mobile credit card, micropayment of mobile phone, electronic wallet (mobile wallet), and payment method using accumulated points can be classified as one of the mobile payment means have.

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, the non-settlement function of the existing mobile credit card payment service is combined with the above-mentioned NFC terminal contact method (APP) system using a USIM mobile (credit) card system using 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 by the credit card company for the mobile credit card. Difference.

In order to utilize the mobile credit card or small-size mobile payment in accordance with the government's simple payment activation policy in the recent market structure, the payment gateway (PG) These PG vendors can also provide a simple payment system. PG vendors store credit card information under the customer's consent to use personal information, so that they do not have to check customer information with the credit card company when payment is made online In addition to existing PG companies, large ICT companies such as Cacao, Naver, and Samsung Electronics also entered the mobile easy payment market to provide mobile payment services. In addition, And NFC terminal contact method, it is possible to directly connect to the mobile phone NFC-based payment service that can be registered and used only by bringing a credit card to the mobile phone without having to enter a credit card number, and a pre-registered payment at the time of subscription to the service. And a method of enhancing security (Kakao Pay).

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.

Also in the point data processing device, the point accumulation and use system may use the accumulation card based on a normal membership number or the like, or input the membership number or the telephone number of the user associated therewith to process the point data There is a limitation in that it can not cope with the convenience of a new settlement method such as a mobile settlement that does not use a real card such as a card.

Korean Registered Patent Publication No. 10-1349759 (entitled: Complex Credit Card Payment Terminal System and Compound Payment Method, Date of Publication: January 22, 2014)

Accordingly, the present invention provides a contactless point data processing device using a Bluetooth communication of a new type capable of enhancing convenience and security while integrating with various mobile payment methods and existing card payment systems at a minimum cost, And a method for processing the same.

In addition, the present invention separates important data by Bluetooth communication between the user terminal of the membership system and the point accumulating device, performs point data processing by verifying the point accumulation / use position, A data processing device, and a point data processing method using the same.

Further, when the Bluetooth technology is applied to the data processing of point accumulation / use of the membership system, the point processing data communication is limited to the case where the Bluetooth technology is located in the proximity distance area based on the position of the user terminal, A data processing device, and a point data processing method using the same.

In addition, the noncontact point data processing device and the noncontact point data processing device are enhanced in security by enhancing the security by performing point processing data communication by limiting the case where a specific operation of the user is recognized by using an operation recognition sensor such as a muscular strength sensor in the proximity distance area And a point data processing method using the same.

Further, it is an object of the present invention to provide a point data and a payment data processing device that perform characteristic payment data processing together using the above technical features.

According to an aspect of the present invention, there is provided a contactless point data processing device using Bluetooth communication in which a user receives membership service processing information from a user of a merchant through a user interface, processes point data, And generates a command for controlling the Bluetooth communication module and the sensor module according to the setting input. The Bluetooth communication module receives the setting of the communication module and the sensor module including the Bluetooth communication module, And a Bluetooth communication module connected to the data processing device through communication and used for transmission and reception of point data to change a necessary setting according to a command of the data processing device, And a data transmission / reception terminal for transmitting / receiving a point data signal by the user, wherein the data processing device is started by inputting membership service processing information which is an input for inputting and accumulating or using a payment amount or a point amount of a user of the merchant And transmits the generated command to the data transmission / reception terminal, wherein the data transmission / reception terminal transmits the command to the short distance controlled short range communication area of the Bluetooth communication module And transmits and receives point data by Bluetooth communication with the user terminal.

Preferably, the data transmission / reception terminal includes a sensor module that recognizes an operation, and recognizes the operation of the user terminal through a sensor module that recognizes the operation in the shortened distance, And transmits the result to the mobile payment device. If the mobile payment device matches the predetermined operation, the mobile terminal proceeds to process the point data.

Preferably, the predetermined operation is an operation to enter a point within a distance closer than the shortened adjusted distance, and when the user terminal is recognized as an operation to enter a point within a distance closer than the shortened adjusted distance, And transmits the result to the data processing apparatus. If it is determined that the data matches the predetermined operation, the data processing apparatus proceeds to the point data processing.

Preferably, the sensor module recognizing the operation comprises at least one muscle strength sensor.

Preferably, the sensor module recognizing the operation computes one or more of the distance, time, direction, and speed of operation of the user terminal via one or more muscle strength sensors.

Preferably, the data processing apparatus controls the data transmission / reception terminal 120 before the point data processing started by inputting the membership service processing information of the user of the franchisee, so that the user terminal that has entered the franchise point with the service beacon signal And the beacon UUID of the service beacon signal includes a predetermined identifier for allowing the Bluetooth module of the user terminal to be switched to the BLE communication standby state and the membership APP mounted on the user terminal to be activated to proceed with the BLE scan.

Preferably, the service 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.

Preferably, when the membership service processing information is input by the user of the merchant, the data processing device controls the data transmission / reception terminal to generate and transmit a BLE signal including the shortened membership UUID of the communication enabled area, A Bluetooth bridge connection for data communication with the user terminal entering the communicable area is performed to transmit and receive point data.

Preferably, through the Bluetooth bridge connection for data communication with the user terminal in the Bluetooth communication enabled area which is shortened in a predetermined short distance, the data processing device transmits the data to the device, which is information for authenticating the validity and payment contents of the data processing device, And the terminal authentication information, which is information for authenticating the membership APP, the validity of the user or the user terminal, and the content of the transaction, is received from the user terminal.

Preferably, the shortened distance is less than 20 Cm, and the operation of the user terminal is recognized at a distance of less than 10 Cm.

Preferably, the data processing apparatus includes a communication module including the 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 for processing the payment data, Generates a command for controlling the Bluetooth communication module and the sensor module according to the setting input, transmits and receives settlement data to and from the user terminal through the Bluetooth communication module, and the data transmission / And transmits and receives a payment data signal by Bluetooth communication with the user terminal, and the data processing apparatus transmits the settlement data signal to the user terminal through communication of the Bluetooth communication module Purchase an area The data transmission / reception terminal sets a communicable area of the Bluetooth communication module to the short-circuited short distance and transmits a payment data signal by Bluetooth communication to the user terminal Send and receive. Whereby the point data and the payment data processing device are implemented.

Preferably, when the payment amount and the payment method are input by the user of the merchant, the data processing apparatus controls the data transmission / reception terminal to generate and transmit a BLE signal including the shortened UUID of the communication enabled area, A Bluetooth bridge for data communication with a user terminal entering the communicable area, and transmits and receives settlement data.

Preferably, when the payment amount and the payment method are input by the user of the merchant, the data processing apparatus controls the data transmission / reception terminal to transmit the settlement beacon signal whose communication area is shortened and the settlement beacon signal is transmitted to the BLE standard The settlement beacon UUID including standard UUID data according to the settlement method, and the payment beacon UUID includes identification information for executing a payment APP of the settlement company included in the payment method selected by the user of the merchant, 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.

Preferably, through a Bluetooth bridge connection for data communication with the user terminal in a Bluetooth communication area capable of being shortened in a predetermined short distance, the data processing device performs data processing Transmits settlement device information including the unique identification ID of the device and settlement content information to the user terminal and receives the settlement APP and the terminal authentication information which is information for authenticating the validity of the user or the user terminal and transaction content.

According to another aspect of the present invention, there is provided a method of processing point data of a contactless point data processing device using Bluetooth communication, comprising the steps of inputting a payment amount or a point amount of a user of a franchisee as a membership service processing information of a user, In the receiving membership service processing information input step and the input of the membership service processing information of the user of the merchant, activates the Beacon / BLE data generating unit and calls the information of the membership operator including the membership UUID to generate BLE data including the membership UUID A BT setting change step of setting a Bluetooth communication enabled area to a point data processing area that is a predetermined proximity distance; activating a BLE communication function of the BT module according to input of the membership service processing information and activating a motion recognition function of the eye level sensor Data transmission / reception terminal function A BT communication authentication and a BT bridge connection step of authenticating the BT bridge connection request and confirming the BT bridge connection with the user terminal when the membership UUID value is confirmed at the user terminal, generating the device authentication information, Generating and transmitting device authentication information for transmitting BLE data to a user terminal through a BT bridge connection; receiving terminal authentication information from the user terminal and recognizing the operation of the user terminal or the user in the point data processing area; And a point processing request generation and transmission step of generating and transmitting a point processing request to the device platform when the recognized operation coincides with the predetermined operation .

Preferably, a beacon UUID including standard UUID data according to the BLE standard before start of the point data processing, which is started by inputting the membership service processing information, is included and the Bluetooth module of the user terminal is switched to the BLE communication standby state And a beacon information transmitting step of transmitting a service beacon signal including a preset identifier for enabling a membership APP installed in the user terminal to proceed with the BLE scan to a range where the user terminal entering the service area in the franchisee can receive the service beacon signal .

Preferably, the beacon / BLE data generation unit 113 is activated according to the payment amount and the method selection input step of inputting the payment amount and the payment method of the seller, the payment amount of the seller, and the payment method, A billing beacon / BLE setting change step of generating BLE data including the payment beacon data and the payment UUID by calling information of the payment company including the payment UUID and setting the payment beacon / BLE communication enabling area as a preset close proximity payment area A data transmission / reception terminal function activating function of activating the BLE communication function of the BT module according to the input of the payment amount and the payment method of the seller, and when the payment UUID value is confirmed in the user terminal 200, A BT communication authentication and BT bridge connection step to complete the BT bridge connection with the user terminal, a BT bridge connection step (D1) generating device authentication information (D1) and generating BLE data therefrom, transmitting the BLE data for the device authentication information (D1) to the user terminal through the BT bridge connection, A settlement device information D1 transmission step of receiving the terminal authentication information S1 from the terminal; a step of generating settlement information D2 and transmitting the terminal authentication information S1 and the payment information D2, (S1) and payment information (D2) transmission step.

Herein, the data transmission / reception function activation step activates the operation recognition function of the operation recognition module according to the input of the payment amount and the payment method of the seller. The operation recognition function of the operation recognition module causes the operation of the user terminal or the user Wherein the step of transmitting the terminal authentication information (S1) and the payment information (D2) further comprises the step of, when the recognized operation is consistent with the predetermined operation, (D2) and transmits the terminal authentication information (S1) and the payment information (D2) to the device platform.

The data transmission / reception terminal function activation step 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 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 It is preferable that a predetermined identifier for activating the BLE scan is included.

In addition, a beacon UUID including standard UUID data according to the BLE standard before processing of payment data started 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 accessing a specific service And a beacon information transmission step of transmitting a beacon signal including the service identification information.

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 point data processing device using a new Bluetooth communication method and a point data processing method using the same.

Further, when applying the Bluetooth technology to the point data processing system, the point data communication is limited to the case where the Bluetooth technology is 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 performing point data communication by limiting to a case where a user's specific operation is recognized by using a muscle strength sensor in a proximity distance area.

Meanwhile, in an exemplary embodiment of the present invention, a process of separating important data by Bluetooth communication between a user terminal of the membership system and a point data processing device and verifying the position is added, so that only the position- Point processing is performed to enhance security.

Furthermore, a non-contact point data processing device using Bluetooth communication using Bluetooth communication that is efficient and improved in user's convenience by introducing a characteristic Beacon signal of Bluetooth technology and performing point data processing is provided and a point data processing method using the same There is an effect that can be done.

Furthermore, there is an effect that it is possible to provide point data and a payment data processing device that perform characteristic payment data processing together using the technical features, and a point data and a payment data processing method using the device.

FIG. 1A is a block diagram of a membership system using a contactless point data processing device using Bluetooth communication according to a first embodiment of the present invention; FIG.
1B is a block diagram of a membership system using a contactless point data processing device using Bluetooth communication according to a second embodiment of the present invention.
2A is a configuration diagram of a data processing apparatus 110 of an embodiment of the point data processing device 100 of the present invention.
2B is a configuration diagram of a data processing apparatus 110 in another embodiment of the point data processing device 100 of the present invention.
3 is a configuration diagram of a data transmission / reception 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 process between point data processing means in the embodiment in which the data transmission / reception terminal 120 is activated for all the point data processing means. FIG.
5A is a configuration diagram of a user terminal 200 in which a membership application of an embodiment of the present invention is driven.
5B is a configuration diagram of a user terminal 200 in which a billing application of an embodiment of the present invention is driven
6 is a configuration diagram of a device platform 310 of one embodiment of the present invention.
7 is a configuration diagram of the settlement company / financial institution system 400 of the present invention.
8 is a flowchart of a point data processing process of a point data processing device according to an embodiment of the present invention.
9 is a flowchart of a process of processing point data of the user terminal 200 according to an 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 310 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 a point data processing method and a payment data processing method through an installed application of a contactless point data processing device using a Bluetooth communication and a user terminal (e.g., a smart phone).

&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 "

The term " BLE signal "or" BLE data "refers to the" BLE signal "or data included therein, which is used in combination with" BT signal & In the embodiment of the present invention, the communication range of the BT communication module is used as the meaning of point processing data that can be transmitted and received within a range in which the communication range is shortened to a predetermined short distance.

The "settlement BLE signal" or "settlement BLE data" collectively refers to a "BLE signal" used for performing a settlement process or data included therein, Means the payment data that can be transmitted and received within the range in which the communicable area of the communication module is shortened to a predetermined short distance and is used separately from the "BLE signal" or "BLE data" for the above point data processing.

In this specification, the term "service beacon" or "service beacon data" collectively refers to a Beacon signal used to perform point data processing for activating functions of the membership application of the present invention or data included therein.

The "payment Beacon" or "payment Beacon data ", collectively referred to as the Beacon signal used to perform the payment processing such as activating the payment APP function of the embodiment or the data included therein, The service area is shortened to a short distance and is used as a service beacon or service beacon data as signals or data that the user terminal can receive in the range.

Also, in this specification, the term "point" means data or information of a predefined unit that is provided as a compensation for purchase and accumulated and used, and the predefined unit may be displayed in a general numerical form, In the form of a unit form such as a stamp, a coupon, or the like.

The "point data processing" is a process for collecting or accumulating points for users to earn or use points provided as rewards for purchases in various membership services using "portable user terminals & And the data processing for adding or subtracting points managed.

The "point data" means an aggregate or data of information or information directly used in point data processing in the embodiment of the present invention. In some cases, the point data processing may be started, And is used as a term including data that performs a function associated with data 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 information or a defined term is used as the point data and the settlement data, and the included information is illustrative, and according to the embodiment, the point data processing or the settlement processing of the present invention Some information may be added or included in the scope of the information to be changed or excluded.

The device authentication information P1 is a device ID that is a unique identification ID of a device, a transaction serial number generated when a point is accumulated in the device and includes transaction date information, a transaction classification that distinguishes a point accumulation or use, Point amount, and the like, and is information for authenticating the validity of the device and the payment contents. In this case, the point quantity is displayed as a simple number in the case of a numerical form and in the form of a number in the case of a predefined compensation unit form, that is, a stamp, a coupon, or the like.

The membership transaction information P2 includes a membership serial number, which is a serial number generated according to the membership management information received from the device, in the device authentication information P1, merchant information, which is information of the merchant to be traded, And merchant location information that is hardness information.

The point processing completion information P3 is an error message such as a point processing completion message such as a point processing result accumulation amount, a accumulation result, a use result, or a balance insufficient, a communication error, and a user error for the corresponding point processing request.

The terminal authentication information Q1 includes a transaction classification classified as point accumulation or use, an identification ID of an automatically activated membership application, a smartphone identification ID including a unique identification number of the corresponding user terminal, membership Information for authenticating the validity of at least one of the transaction contents, the membership application, the user, and the user terminal, including the subscription ID and the device transaction serial number extracted from the device authentication information P1.

The point processing authentication information (Q2) is information including terminal authentication information (Q1), terminal location information, and temporary information of the user terminal at the time of a transaction.

The point processing completion information (Q3) is an error message such as a point processing completion message such as a point processing result accumulation amount, a accumulation result, and a usage result, or a balance shortage, a communication error, and a user error.

On the other hand, as the payment data, the payment apparatus information D1 includes a device ID which is a unique identification ID of the 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 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 membership process request information D5 includes a membership serial number, a membership ID, merchant information, and membership accumulation contents. The membership serial number is a serial number generated by the "device" , The membership ID is pre-defined with the membership operator.

The membership processing completion information D6 is result information on the membership processing request transmitted to the device. The membership processing completion information D6 includes a point processing completion message such as a point processing result accumulation amount, a accumulation result, and a usage result, , User error, and so on.

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, Number of payment APP subscription ID, and information for authenticating the validity of one or more of the payment APP, user, and user terminal.

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 point data processing device and a user terminal using Bluetooth communication, 3. a device platform and a payment company / financial institution system of the present invention, 4. a contactless point data processing device using Bluetooth communication, A processing device, a point data processing method of a user terminal, and a mobile settlement method of a mobile settlement system will be described in detail as respective embodiments or embodiments.

1. [Membership System Using the Contactless Point Data Processing Device Using Bluetooth Communication of the Present Invention]

1A is a configuration diagram of a membership system using a contactless point data processing device using Bluetooth communication according to a first embodiment of the present invention.

Referring to FIG. 1A, a membership system using a contactless point data processing device using Bluetooth communication according to the present embodiment includes a contactless point data processing device 100 using Bluetooth communication, an application for performing the point data, The user terminal 200 receives the point processing request P1 or Q1 transmitted from the point data processing device 100 according to the specific membership service processing in the point data processing device 100, A membership management system (e. G., A point-to-point communication system) that receives and verifies point processing requests Q2 and P1 received from the user terminal 200 and transmits the point processing results Q3 and P3 to the point data processing device 100 and the user terminal 200 300).

In the present embodiment, the membership operating system 300 receives the point processing request (Q2, P1) of the membership APP of the user terminal and the point processing request (P1, Q1) of the point data processing device 100 and verifies its validity A device platform 310 of the present invention which performs a function of transmitting a point processing request to the membership management company system 320 and a membership management server system 310 for determining whether to approve the point processing request and transmitting the point processing result (320).

However, according to the embodiment, the point processing request (Q2, P1) of the membership APP of the user terminal and the point processing request (P1, Q1) of the point data processing device 100 are received, The function of transmitting the device platform 310 to the membership management system 320 may be performed by a separate membership server operated by the device platform 310 included in the membership management system 320 or operated by the membership operator.

The user terminal 200 and the contactless point data processing device 100 are in data communication through a local area communication network by Bluetooth communication and the user terminal 200 and the membership operating system 300 are connected to each other through a first communication network The contactless point data processing device 100 and the membership operating system 300 are in data communication via a second network, which is distinct from the first network.

Referring to FIG. 1A, details of the functions related to the characteristic point data processing of the present invention of the contactless point data processing device 100, the user terminal 200, and the membership operating system 300, which are each constitution of the membership system of the present invention, Explain.

The contactless point data processing device 100 functionally includes a user interface to process point data by receiving a specific membership service processing, that is, point accumulation or point use information, from a user of an affiliated store, Receives the settings for the communication module and the sensor module including the Bluetooth communication module for the Bluetooth communication module and generates a command for controlling the Bluetooth communication module and the sensor module according to the setting input and transmits and receives the point data to the user terminal through the Bluetooth communication module And a Bluetooth communication module connected to the data processing apparatus 110 through communication and used for transmission and reception of point data to change necessary settings according to a command of the data processing apparatus, In Bluetooth communication And a data transmission / reception terminal 120 for transmitting / receiving point data signals.

Basically, the data processing apparatus 110 receives the subscription service processing information of the merchant user, that is, the subscription service processing information of the user, that is, And transmits the generated command to the data processing apparatus 120. The data transmitting / receiving terminal 120 transmits a command for shortening the communicable area of the Bluetooth communication module to a predetermined short distance, And transmits and receives the point data signal by Bluetooth communication with the user terminal.

In this case, the points may be expressed in a general numerical form, or in the form of a predefined compensation unit type such as a stamp, a coupon, etc. In the case of a numeric form, the point quantity may be expressed by a simple number, Coupons and the like are displayed in the form of numbers, and according to the embodiment, the number of points is input by inputting numbers or numbers.

To this end, in the present embodiment, the data processing apparatus 110 includes an input / display device such as a touch panel for inputting and outputting information for point data processing, a printing device for outputting receipts, F, and performs a point data processing function for a membership service for receiving and processing the membership service processing information input by a merchant user.

According to an embodiment, the data processing apparatus 110 may be implemented in the form of a membership-related application for processing point data according to the present invention of an existing payment apparatus, that is, a general-purpose computer or a POS system, The terminal 120 is not only a data processing apparatus 110 according to the present invention, which is a dedicated apparatus, but also a data transmission / reception terminal connected to a peripheral device through an existing general-purpose computer or POS system that drives an associated membership application for processing point data according to the present invention May be implemented to constitute the membership system of the present invention.

In the point-to-point data processing device 100, in order to perform the above-described point data processing, the BT module in the data transmitting / receiving terminal 120, the control module A data processing unit 110 for generating and transmitting required signals and necessary information to the data processing unit 110 and controlling the BT module, the proximity sensor module and the various sensor modules according to the control, Transmits the necessary signal to the user terminal, processes the received signal, and transmits the processed signal to the data processing apparatus 110. In the point data processing, when the communicable area of the Bluetooth communication module is set to the short- And transmits the received BT signal to perform point data processing based on the received BT signal.

In this way, the security of the BT communication with respect to the point data in the membership system is securely secured in a manner that fundamentally responds to the sniffing attack of the hackers. Thus, in the functional aspect of the point data processing device 100 of the present invention, Point data processing system or membership system is implemented.

Further, in applying the Bluetooth communication of the present invention to the contactless point data processing system or the membership system, the data transmission / reception terminal 120 may include a sensor module for recognizing the operation, and the short- The operation of the user terminal is recognized through the sensor module that recognizes the operation, that is, the operation of the user terminal is determined, and it is determined whether the operation of the user terminal is consistent with the predetermined operation. The result is transmitted to the data processing device 110, The device causes the processing of the point data to proceed if it matches the preset operation.

The BT communication enabled area is limited so that communication of the point data can be performed when the user terminal is located at a distance of 20 cm or shorter, which is pre-defined in the shortened-point controlled proximity area defined by the point data processing area, Recognizes the operation of the user terminal or the user in the shortened distance and performs the process of processing the point data by limiting the recognized operation to the case where the recognized operation is in agreement with the predetermined operation, A contactless point data processing system or membership system using BT communication is implemented that maintains security of point data processing and prevents or minimizes errors in point data processing.

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, It is determined that the operation corresponds to a predetermined operation, and the result is transmitted to the data processing apparatus 110, and the data processing apparatus 110 can proceed to process the point 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.

In addition, in the point data processing method and the membership system using the contactless point data processing device using the Bluetooth communication of the present invention, personal data such as actual point card information, resident registration number, and telephone number are stored in the point data processing device 100 and the user terminal The personal information such as the actual point card information, resident registration number, and telephone number is stored and managed only in the membership management operating system 300 having high security when necessary, The point processing data by the BT communication between the user terminals is separated to prevent transmission and reception of all the payment data in the BT communication section.

The point processing request including the point data between the membership operating system 300 and the point data processing device 100 (or the device platform 300 associated therewith) and the point processing request including the point processing request between the membership operating system 300 and the user terminal (I.e., a billing application onboard), so that two point processing request data, which are separated through both channels, i.e., the separated first network and the second network, are transmitted to the membership operating system 300) and adds the security of point data processing using BT communication in such a manner that point processing is approved by cross-validating the point data included in the point processing request including the point data received through the divided channel .

In this embodiment, by utilizing a Bluetooth low energy (BLE) technology, which is a recent version of BT technology, and beacon technology included therein, point data processing that is started by inputting membership service processing information of a user of a merchant , The BT communication enabled area is limited to the close range that is the settlement area and the Bluetooth bridge (hereinafter, referred to as BT bridge) connection with the user terminal 200 for the transmission of the payment data is allowed to proceed, , The contactless point data processing device 100 generates a service beacon signal.

The data processing apparatus 110 controls the data transmission / reception terminal 120 prior to the point data processing started by inputting a payment amount or a point amount as membership service processing information of a user of a merchant, The service module transmits the service beacon signal to the user terminal entering the service area within the merchant store in a receivable range, the Bluetooth module of the user terminal is switched to the BLE communication standby state in the beacon UUID, the membership APP mounted on the user terminal is activated, (E.g., a B / T identification service ID including execution information of the membership APP).

Also, according to an embodiment, the beacon UUID including the standard UUID data of the Beacon signal may include service identification information including APP execution information for a predetermined service connection in addition to the membership APP. In this case, the user terminal which enters the merchant through the service identification information including the APP execution information for the preset service connection and receives the beacon signal executes the APP for accessing the service, To receive an advertisement or coupon.

The BT communication enabled area is limited to the proximity range that is the point data processing area at the point data processing started with the input of the payment amount or the point amount as the user's membership service processing information and the selection input of accumulation or use, ) So as to generate and transmit a BLE signal including the shortened UUID of the communication enabled area, and proceeds to establish a BT bridge for data communication with the user terminal that has entered the communicable area to transmit and receive point data do. Whereby the transmission / reception of the point data is performed only in the communicable area which has been shortened to a predetermined short distance.

The terminal authentication information P1 is transmitted to the user terminal through the BT bridge connection and the terminal authentication information Q1 transmitted from the user terminal 200 is received. The device authentication information (P1) includes a device ID, which is a unique identification ID of the device, a transaction serial number generated at the time of accumulating points in the device and including transaction date and time information, a transaction classification for distinguishing a point accumulation or use, And includes a B / T identification service ID including execution information of the membership APP to activate the membership APP, and to proceed with the BT bridge connection accordingly.

The terminal authentication information (Q1) received from the user terminal (200) includes a transaction classification classified as point accumulation or use, an identification ID of an automatically activated membership application, a smartphone identification ID including a unique identification number of the corresponding user terminal, A membership subscription ID, which is a member identification number of the membership application, and includes a device transaction serial number extracted by receiving the device authentication information P1.

Here, the standard UUID included in the Beacon signal is used as a communication value for the BT bridge connection with the membership APP of the selected membership operator among a plurality of services APP installed in the user terminal 200 as a standard UUID for BLE communication , A UUID value equal to the membership UUID value is stored as a UUID value for BLE bridge connection of the membership APP in a plurality of service APPs installed in the user terminal 200. The activated membership APP of the user terminal 200 is stored in the BLE If a membership UUID value equal to the UUID value stored in the membership APP is found in the point data processing area, the BT bridge connection is performed to access the contactless point data processing device connected to the BT bridge in the point data processing area 100 and BT communication, and generates the terminal authentication information (Q1) and transmits the terminal authentication information (Q1) To the contactless point data processing device 100 connected to the BT bridge.

The contactless point data processing device 100 generates a series of point processing requests P1 and Q1 based on the received terminal authentication information Q1 and transmits the series of point processing requests P1 and Q1 to the membership operating system 300. [

At this time, the non-contact point data processing device 100 recognizes the operation of the user terminal through the sensor module recognizing the operation of the data transmission / reception terminal 120 in the shortened distance, And transmits the result to the data processing apparatus 110. When the data processing apparatus 110 matches the predetermined operation, the data processing apparatus 110 transmits the point processing request P1 or Q1 based on the received terminal authentication information Q1, And transmits it to the membership operating system 300, and receives the device point processing completion information (P3), which is the result information on the point processing request, from the membership operating system 300 and processes the information.

To this end, the contactless point data processing device 100 is connected through a communication I / F to an input / display device such as a touch panel for inputting and outputting information and a printing device for outputting a receipt as described above, The transaction classification for distinguishing service processing information, that is, the point accumulation or use, and the transaction amount or the quantity of points, and performs the above-described point data processing, and transmits the point data processing to the data transmission / reception terminal 120 A data processing apparatus 110 for generating and transmitting necessary signals and necessary information for controlling the BT module, the muscle-tonometer sensor module, and various sensor modules in the data processing apparatus 110, Controls the control of the BT module, the proximity sensor module, and the various sensor modules according to the control, It may be configured to process signals transmitted and received by the data transmitting and receiving terminal 120 for transmitting to the data processing apparatus 110. The

The user terminal 200 is driven by an application for performing the point data processing, that is, a membership APP, on a portable communication device such as a smart phone equipped with a specific operating system (OS), and the membership APP or various service APP can be mounted. Each membership APP may be a configuration program of an application for performing point data processing, or may be an independent application.

As described above, the membership APP is activated according to the reception of the beacon signal to proceed with the BLE scan for the BT bridge connection, and the UUID value equal to the standard UUID value transmitted from the point data processing device is transmitted to the BLE bridge connection of the membership APP If the standard UUID value equal to the UUID value stored in the membership APP is found in the point data processing area during the BLE scan of the active membership APP, Contact point data processing device 100 connected to the BT bridge within the area receives the device authentication information P1 through the BT communication and generates the terminal authentication information Q1 accordingly and transmits the generated device authentication information Q1 to the contactless point data processing device 100 do.

Then, the point processing authentication information (Q2) including the terminal authentication information (Q1), the terminal location information, and the information including the date information of the user terminal at the time of the transaction is generated, Transmits information P1 to the membership operating system 300 as a point processing request Q2 and P1 and receives APP point processing completion information Q3 as result information on the point processing request from the membership operating system 300 .

The membership operating system 300 receives the point processing request Q2 and P1 of the membership APP of the user terminal and the point processing request P1 and Q1 of the point data processing device 100 in the case of the present embodiment, And a membership management system 320 for performing a function of transferring a point processing request to the membership management system 320. The device platform 310 is connected to the point data processing device 100 (P1, Q1) transmitted from the point data processing device 100 according to the specific membership service process, that is, according to the point accumulation or point usage, and the received device certification information P1 according to the membership operation information received at the device The member serial number, which is the generated serial number, the merchant information, which is the information of the merchant to be traded, and the merchant information, which is latitude and longitude information of the pre- Based on which the validity of the point processing request Q2, P1 of the membership APP of the user terminal is verified and the point processing request is transmitted to the member operating system 320. [ Lt; / RTI > The merchant location information is stored in advance in the device information associated with the merchant information at the time of distribution and installation of the device, and the generated membership transaction information (P2) is separately stored and managed.

The verification through the merchant location information is performed by comparing the merchant location information included in the point processing authentication information (Q3) included in the point processing request from the separated user terminal with the merchant location information, And to reduce the risk of unfair points processing or errors by suspending approval or denying the approval of the point data processing when the positional information is inconsistent. In addition, In order to control and manage it.

To this end, the device platform 310 manages and stores the contactless point data processing device 100 including the merchant location information and the merchant related information and membership transaction information.

The membership management company system 320 determines whether or not to approve based on the information of the point processing request Q2, P1 of the membership APP of the user terminal or the information of the point processing request P1, Q1 transmitted from the point data processing device 100 And transmits the point processing result to the device platform 310 so that the device platform 310 transmits the point processing completion information Q3 and P3 to the user terminal 200 and the point data processing device 100, respectively.

The device platform 310 may be an independent configuration for performing the point data processing of the present invention. However, according to an embodiment of the present invention, a point processing request (Q2, P1) of the membership APP of the user terminal and a point processing request The function of receiving the point processing request (P1, Q1) and verifying the validity of the point processing request (P1, Q1) and transmitting the point processing request to the membership operator system 320 is that the device platform 310 is included in the membership manager system 320 And may be performed by a separate membership server operated by the membership operator. Further, the payment server may be implemented to perform the point data processing function of the present invention by being included in the membership server, which is a service platform of the payment server, operated by the payment company, and the payment server may be separated from the financial institution system A service server of the PG or VAN that is independently operated or a payment server that performs a corresponding function in the financial institution system which is a final payment approval institution.

1B is a configuration diagram of a membership system using a contactless point data processing device using Bluetooth communication according to a second embodiment of the present invention.

In the second embodiment of FIG. 1B, the contactless point data processing device using the Bluetooth communication basically performs a function of a mobile payment data device having a mobile payment data processing function. The mobile payment data device The point data processing unit of the first embodiment and the mobile payment system are configured at the same time.

The contactless point data processing device activates the membership application at the user's choice through the UI displayed through the input / display device to perform the point data processing process, which is the function of the point data processing device described above, And performs a payment data processing process to perform a function as a mobile payment device.

The point data processing and the settlement data processing are independently performed by the user's selection. The point data processing is the same as the first embodiment of FIG. 1A. Therefore, only the aspect of the settlement data processing process and the mobile payment system will be described below.

Referring to FIG. 1B, the mobile payment system of the present embodiment includes a contactless point data processing device 100 using a Bluetooth communication in which a payment application is installed to process mobile payment data, and an application for performing the mobile payment is installed The mobile terminal 200 receives payment data transmitted according to completion of settlement of a specific mobile settlement in the point data processing device 100, generates payment transaction information and requests approval from the settlement company / financial institution system 400 A device platform 310 for managing the point data processing device 100 and merchant-related information and payment data; an information processing unit 310 for receiving APP payment request information from the user terminal 200 and receiving the payment transaction information from the device platform 310 To determine whether or not to approve specific mobile payments. And a settlement company / financial institution system (400) for processing approval or approval errors and notifying the result to the user terminal (200) and the device platform (310), wherein the user terminal (200) and the contactless point data processing device The user terminal 200 and the settlement company / financial institution system 400 are in data communication through a first network based on a mobile communication network, and the point data processing device 100 ), The device platform 310 and the payment company / financial institution system 400 are in data communication via a second network that is distinct from the first network.

The device platform 310 and the settlement company / financial institution system 400 of the mobile payment system of the second embodiment of the present invention, which are constituent elements of the point data processing device 100, the user terminal 200, the device platform 310, The functions related to the mobile payment, which characterizes the invention, will be described in detail.

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

Basically, the data processing apparatus 110 generates 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 the data transmission / reception terminal 120 sets the communicable area of the Bluetooth communication module to the short-circuited short distance and transmits / receives the payment data signal by Bluetooth communication with the user terminal.

To this end, in the present embodiment, the data processing apparatus 110 includes an input / display device such as a touch panel for inputting and outputting payment information and data for mobile settlement, a printing device for outputting a receipt, 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 merchant user.

The data processing apparatus 110 may be implemented in the form of a payment related application for processing payment data according to the present invention of an existing payment apparatus, that is, a general purpose computer or a POS system, as well as a dedicated apparatus, The terminal 120 may be implemented as a data transmission / reception terminal connected to a conventional general-purpose computer or a POS system that operates a related application for processing payment data according to the present invention, as well as the data processing apparatus 110 of the present invention, So that the mobile payment system of the present invention can be configured.

The point data processing device 100 performs the above-mentioned payment data processing and transmits the signals necessary for controlling the BT module, the muscle-tilt sensor module, and the various sensor modules in the data transmission / reception terminal 120, A data processing apparatus 110 for generating and transmitting necessary information, and a data processing apparatus 110 connected to the data processing apparatus 110 to control the BT module, the proximity sensor module, and the various sensor modules according to the control, And transmits the BT signal to the data processing apparatus 110. In a state in which the communicable area of the Bluetooth communication module is set to a short-circuited short distance at the time of settlement processing, a BT signal including necessary payment data is transmitted / 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.

In addition, in applying the BT communication technology to the contactless mobile payment method and system using the Bluetooth communication of the present invention, the data transmission / reception terminal 120 includes a sensor module for recognizing the operation, Recognizes the operation of the user terminal through the sensor module that recognizes the operation, that is, the operation sensor, determines whether the operation of the user terminal matches the preset operation, and transmits the result to the data processing 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 as an operation to enter the proximity point, it is determined that the operation matches the predetermined operation, and the result is transmitted to the data processing apparatus, and the data processing apparatus can proceed the processing of the payment data.

Furthermore, in the contactless mobile payment method and system using the Bluetooth communication of the present invention, personal data such as actual card information and resident registration number are not used as payment data in the point data processing device 100 and the user terminal, Personal information such as a resident registration number is stored and managed only in the settlement company / financial institution system 400 having high security when necessary. In addition, personal information such as resident registration number is separated and stored in the BT communication section So that transmission and reception of all the settlement data are not performed.

Accordingly, a payment request including settlement transaction information between the settlement company / financial institution system 400 and the point data processing device 100 (or the device platform 300 connected thereto) (Or a payment application installed thereon), and separates two payment request data separated through both channels, i.e., the separated first network and the second network, The payment data included in the APP payment request including the payment transaction information and the APP payment request information transmitted to the payment company / financial institution system 400 and including the payment transaction information received through the divided channel are compared and verified, 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 point data processing device 100 generates a Beacon signal.

The data processing apparatus 110 controls the data transmission / reception terminal 120 before the payment processing starts by inputting the payment amount of the user of the franchisee and the payment method so that the user terminal that has entered the beacon signal into the service area in the franchise point 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.

Prior to the payment processing, the point data processing device 100 enters a predetermined area, that is, a merchant, which is a service area, through service identification information including APP execution information for a predetermined service connection included in the beacon UUID, and transmits a beacon signal The receiving user terminal executes the APP for accessing the service, thereby guiding the user who has entered the merchant area to receive the advertisement or coupon.

The Beacon signal and the data included therein may be a Beacon signal used to perform the point data processing for activating the function of the membership application of the present invention with the service beacon or service beacon data described in the first embodiment, Is used.

The BT communication enabled area is limited to the proximity range that is the settlement area at the time of payment processing initiated by inputting the payment amount and the payment method of the user of the merchant and the data processing device 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.

Also, the control unit 120 controls the data transmission / reception terminal 120 to transmit a beacon signal having a shortened communication coverage area, and the settlement beacon signal includes a settlement beacon UUID including standard UUID data according to the BLE standard, 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 within the settlement area, the BT bridge connection is performed to connect the BT bridge to the point data processing device 100 connected to the BT bridge in the settlement area Receives the settlement device information (D1) through BT communication, and generates terminal authentication information (S1), thereby processing the point data connected to the BT bridge in the settlement area To the device 100, and the point data processing device 100 proceeds to process a series of payment data based on the received terminal authentication information S1.

The point data processing device 100 recognizes the operation of the user terminal through the sensor module which recognizes the operation in the shortened and controlled short distance and judges whether the operation of the user terminal coincides with the predetermined operation, And if the data processing apparatus coincides with the predetermined operation, the settlement data processing process based on the received terminal authentication information S1, that is, the device settlement information D2 to which the merchant information is added to the settlement apparatus information D1, And transmits the device settlement completion information to the device platform 310. The device platform 310 receives and processes device settlement completion information, which is result information on the requested transaction.

The point data processing 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 the like, The payment data and the method of payment are processed, and the payment data processing described above is performed. In accordance with the payment data processing, the data processing apparatus 120 is required to control the BT module, A data processor 110 for generating and transmitting a signal and necessary 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 data processor 110, Transmits a necessary signal to the terminal, processes the received signal, and transmits the processed signal to the data processing apparatus 110, So as to perform the processing.

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, and is independently activated according to the receipt of the beacon signal or the payment beacon signal to perform the BLE scan for the BT bridge connection, A UUID value equal to a standard UUID value is stored as a UUID value for a BLE bridge connection of the settlement APP, and a BOO scan of an activated settlement APP is in progress, a standard UUID value The BT bridge connection is performed to receive the settlement device information D1 through the BT communication with the point data processing device 100 connected to the BT bridge in the settlement area, A transaction classification including approval related information, a payment APP identification ID for identifying a payment APP to be executed, The terminal authentication information S1 including the smartphone identification ID including the identification number, the payment APP subscription ID as the unique identification number of the payment APP service member, and the device transaction serial number contained in the payment device information D1 And transmits it to the BT bridge-connected point data processing device 100 within the settlement area.

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 310 receives the device payment information D2 to which the merchant information is added to the payment device information D1 at the point data processing device 100 to generate a payment serial number that is a serial number for payment, The settlement transaction information D3 including the settlement information D2 and the settlement serial number and the merchant location information as the latitude and longitude information of the pre-registered merchant address is generated and transmitted together with the terminal authentication information S1 received from the user terminal Requesting the payment company / financial institution system 400 for the device settlement 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 at the time of distribution and installation of the point data processing device at the merchant store.

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 310 manages the point data processing device 100 including the merchant location information and the 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 310, 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 310 as a payment approval result S4 and D4, respectively.

Also, in this embodiment, the settlement company / financial institution system 400, in accordance with the completion of the settlement, is provided with a membership serial number, a membership ID, The membership management request information D5 including the membership information, the membership information, and the membership information, and transmits the membership request information D5 to the membership operating system 300. [ Here, the membership serial number is a serial number generated by the device or the payment system when the payment completion information message is received, and the membership ID is predefined with the membership operator.

As a result information on the membership processing request transmitted from the membership operating system 300 to the user terminal and the device, a point processing completion message such as a point processing result accumulation amount, accumulation result, , Communication error, user error, and the like, and transmits the received membership completion information D6 to the user terminal and the device, respectively.

2. [Contactless Point Data Processing Device and User Terminal Using Bluetooth Communication of the Present Invention]

Hereinafter, the non-contact point data processing device 100 using the Bluetooth beacon signal and the eye level sensor constituting the mobile payment system of the present invention will be described in detail with reference to the functionally-divided point data processing device 110 and the data transmission / 120), and their embodiments will be described in detail.

2A is a configuration diagram of a data processing apparatus 110 according to an embodiment of the present invention.

The data processing apparatus 110 of the present embodiment includes a user interface and a membership service (for example, a transaction classification for distinguishing points accumulation or use from a user (for example, a clerk or a manager) And a control module for controlling the Bluetooth communication module and the sensor module in accordance with the setting input, receiving the settings for the communication module and the sensor module including the Bluetooth communication module for processing the point data, And transmits and receives point data to and from the user terminal through the Bluetooth communication module. In particular, in accordance with the present invention, the user can input the payment amount or the point amount, which is the membership service processing information of the user of the franchisee, Pointers starting with optional input When the data processing generates a command to the speed control the communication area of the Bluetooth communication module to a predetermined near-by is configured to transmit to the data transmission terminal 120.

The point data processing device 100 according to an embodiment of the present invention executes various functions of the point processing device 100 by executing various software programs and / or a set of instructions stored in the memory unit and processes the data. A user interface (I / F) 110b for providing an interface with an input display device such as a touch screen or the like, an operating system (not shown), a memory unit for storing various necessary data, (Not shown), an external communication port, a printing device I / F, and a data transmission / reception terminal I / F to be described later, and a hardware configuration unit 110c. A typical system state, including a system (not shown) (for example, an embedded operating system such as Android, Darwin, RTXC, LINUX, UNIX, OS X, WINDOWS, or VxWorks) (Eg, memory management, storage device control, power management, etc.) and applications and other applications related to the present invention (eg, a browser, a customer management program, a revenue management program, an address book, (E.g., a list, an email, an instant message, word processing, a keyboard emulation, a widget, a JAVA enabled application, an encoding, a multimedia player, .

The application 110b may be composed of an application comprising or consisting of a set of membership applications separated into a membership service application, a beacon service application and a plurality of membership operators, and each beacon service application and a membership application The point data processing can be independently performed by separately having the following configurations, and the point data processing can be implemented as a single application by sharing part or all of the following configurations as function modules.

The application 110b includes a membership application processing unit 111, a beacon / BLE and a sensor control unit 112, a beacon / BLE data generating unit 113, a device authentication information generating unit 114, ) Processing unit 115, a point processing request (P1 + Q1) generating unit 116, an MSR / NFC information processing unit 117, a point processing completion information processing unit 118, and a Beacon / BLE and sensor setting unit 119 .

The membership application processing unit 111 receives various function execution commands related to the membership service including point data processing of a franchise user or an administrator of the franchisee through a user I / F, and activates and controls related applications.

In particular, in connection with the present invention, at the time of transmitting a service beacon before starting with a selection input of inputting and accumulation or use of a payment amount or point quantity as a membership service processing information of the user, beacon / BLE data The beacon / BLE and the sensor control unit 112 to generate service beacon data by activating the generation unit 113 and calling various service information stored in the memory unit, And transmits the corresponding command including the data to.

The data transmission / reception terminal 120 transmits a beacon signal in a range in which the user terminal that has entered the service area in the merchant store can receive the beacon signal. In the beacon UUID, the Bluetooth module of the user terminal is switched to the BLE communication standby state, A predefined identifier is included that allows the Membership APP to be activated to proceed with the BLE scan.

In addition, at the time of processing the point data started by inputting a payment amount or a point amount, which is a user's membership service processing information, and inputting an accumulation or use, the beacon / BLE data generation unit 113 ) To invoke information of the membership service operator including the membership UUID according to the membership service processing information to generate BLE data including the membership UUID and transmit the BLE data to the beacon / BLE and the sensor control unit 112, BLE and the sensor control unit 112 transmits the corresponding command including the BLE data including the membership UUID to the data transmission / reception terminal 120.

When the user terminal 200 confirms the membership UUID value and the BT bridge connection is completed, the beacon / BLE data generation unit 113 generates the device authentication information P1 from the device authentication information P1 generation unit 114 The BLE and the BLE of the device authentication information P1 are transmitted to the beacon / BLE and the sensor control unit 112 so that the beacon / BLE and the corresponding sensor information including the device authentication information P1 in the sensor control unit 112 And transmits the command to the data transmission / reception terminal 120.

In addition, in the settlement process, the device authentication information P1 generation unit 114, the terminal authentication information (Q1) processing unit 115, the point processing request (P1 + Q1) generation unit 116, the MSR / NFC information processing unit 117, the point processing completion information processing unit 118, and the beacon / BLE and the sensor setting unit 119, and controls the respective functions.

In addition, upon accumulation / use of points by MSR or NFC, 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 membership service processing information of the merchant user, / BLE and the sensor control unit 112 to transmit the related data and the corresponding command to the data transmission / reception terminal 120.

The beacon / BLE and sensor control unit 112 generates a command for controlling the data transmission / reception terminal 120 according to the transmission of the beacon data and the BLE data in the beacon / BLE data generation unit 113, To the data processing apparatus via the data transmission / reception terminal I / F unit.

Particularly, when the point data processing is proceeding, in accordance with the input of the membership service processing information of the user of the merchant, the BT capable communication area, that is, the area capable of transmitting and receiving the BLE signal by the BT bridge connection is processed as point data within a predetermined proximity distance, And the information about the point data processing area is stored in the beacon / BLE and sensor setting part by the dictionary user so that the set value of the point data processing area is called and included in the command The set value of the point data processing area may be pre-stored in the beacon / BLE controller 121 of the data transmission / reception terminal. In this case, Only the command is transmitted.

In addition, a user or an administrator of the merchant may input a specific point data processing area value through a user I / F, or may input a specific point data processing area value to beacon / BLE and a plurality of point data processing areas stored in the sensor setting unit and storing the set value of the input or selected point data processing area in the command. In addition, according to an embodiment, a plurality of set values of the point data processing area can be pre-stored in the beacon / BLE controller 121 of the data transmission / reception terminal. In this case, Lt; / RTI >

A command for activating the BLE communication function of the BT module at the same time according to the input of the membership service processing information of the merchant user, and a command for activating the operation recognition function of the isometric sensor, which is a sensor module recognizing the operation, to the data transmitting / receiving terminal 120 do. 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 service Beacon transmission before the point data processing before inputting the membership service processing information of the user of the merchant, a command including the service beacon data generated by the beacon / BLE data generation unit 113 is transmitted And transmits the BLE signal generation command including the BLE data including the membership UUID to the data transmission / reception terminal 120 when the point data processing according to the input of the membership service processing information proceeds.

Also, when the user terminal 200 confirms the membership UUID value and the BT bridge connection is completed through the connection, the device authentication information P1 received from the device authentication information P1 generation unit is transmitted to the beacon / BLE And transmits a command including the BLE data generated by the data generation unit 113 to the data transmission / reception terminal 120.

When the BT bridge connection is completed, the beacon / BLE and the sensor control unit 112 transmit a command for stopping the generation of the service beacon signal to the data transmission / reception terminal 120, and the terminal authentication information (Q1) BLE data for the terminal authentication information (Q1) is received from the data transmitting / receiving terminal (120) and the BLE data for the user terminal (200) is received, To the data processing device (120).

The setting values of the point data processing area input and managed through the beacon / BLE and sensor setting unit 119, the range value of the operation recognition range of the muscle tone level sensor, the content value of the motion recognition, (120).

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

That is, when transmitting the service beacon, the beacon data is generated by calling the membership operator information stored in the memory unit and service information for advertisement or coupon transmission, and the beacon data is transmitted to the beacon / BLE and sensor control unit 112, BLE data including the membership UUID is generated and transmitted to the beacon / BLE and the sensor control unit 112.

On the other hand, if the membership UUID value is confirmed in the user terminal 200 and the BT bridge connection is completed, the device authentication information P1 generated by the device authentication information P1 generation unit 114 BLE data to the beacon / BLE and sensor control unit 112.

On the other hand, when the membership UUID value is confirmed at the user terminal 200 upon completion of the settlement and the BT bridge connection is completed through the connection, the device authentication information P1 generation unit 114 calls the related information stored in the memory, P1 to the beacon / BLE data generation unit 113. The beacon /

The terminal authentication information (Q1) processor 115 receives the BLE data for the terminal authentication information (Q1) from the data transmission / reception terminal 120 via the data transmission / reception terminal I / F to extract the terminal authentication information (Q1) And transmits it to the point processing request (P1 + Q1) generating unit 116. Further, the beacon / BLE and the sensor control unit 112 are notified of the completion of the reception of the terminal authentication information (Q1), the inactivity is deactivated, and the BLE communication with the user terminal 200, that is, the BT bridge is terminated.

The point processing request (P1 + Q1) generation unit 116 receives the terminal authentication information (Q1) from the terminal authentication information (Q1) processing unit 115 and generates a point processing request for the point data processing, F unit to the device platform 310.

At this time, only when it is determined that the operation of the user terminal coincides with the predetermined operation, the point processing request is generated or the generated point processing request is transmitted.

The MSR / NFC information processing unit 117 receives information received from the MSR sensor or the NFC sensor activated during the point accumulation / use process using the MSR function or the point accumulation / use process using the NFC function, To the processing request (P1 + Q1) generating unit 116. [ In this case, the point data processing device 100 of the present invention performs point data processing in a conventional manner as a point data processing device using a normal MSR sensor or an NFC sensor.

The point processing completion information processing unit 118 receives the point processing completion information P3 from the device platform 310 via the communication I / F, displays it on the input / display device through the user I / F, F to control the printing apparatus to output printouts such as receipts.

The beacon / BLE and sensor setting unit 119 receives the setup information of the beacon / BLE module and various sensors from the user or manager of the merchant through the user I / F, and performs storage and management. Particularly, in the present invention, a plurality of beacon / BLE communicable areas can be preset and re-set as point data processing areas by the input of a user or an administrator of a franchisee, Such as the content value of the content, can be preset and reset.

2B is a configuration diagram of a data processing apparatus 110 according to another embodiment of the present invention.

The data processing apparatus 110 receives the billing service processing information of the embodiment of FIG. 2A described above and processes the point data. The data processing apparatus 110 also receives settlement related information from a user (for example, a clerk or a manager) Receives a setting for the communication module and the sensor module including the Bluetooth communication module for processing the payment data, generates a command for controlling the Bluetooth communication module and the sensor module according to the setting input, And transmits the settlement data to and from the user terminal. In particular, in connection with the present invention, the communication area of the Bluetooth communication module is set to a predetermined distance And transmits the generated command to the data transmitting / receiving terminal 120 .

2B, the application 110b includes a membership application processing unit 111, a beacon / BLE and a sensor control unit 112, a beacon / BLE data generation unit 113, The authentication information P1 generation unit 114, the terminal authentication information (Q1) processing unit 115, the point processing request (P1 + Q1) generation unit 116, the MSR / NFC information processing unit 117, A billing application processing unit 111a, a device authentication information D1 generating unit 114a, a terminal authentication information (S1) processing unit 115a, and a membership application configured by a terminal authentication unit 118, a beacon / BLE, and a sensor setting unit 119, And a payment application D2 generating unit 116a, a payment completion information processing unit 118a, and a beacon / BLE and a sensor setting unit 119. [

2B, the beacon / BLE and sensor control unit 112, the beacon / BLE data generation unit 113, the MSR / NFC information processing unit 117, and the beacon / BLE and the sensor setting unit 119, 2B, the billing application may include the Beacon / BLE, the sensor control unit 112, the Beacon / BLE data generation unit 113, , An MSR / NFC information processing unit 117, and a beacon / BLE and a sensor setting unit 119, and can perform mobile payment data processing in an independent application.

The payment data processing function by the payment application of the data processing apparatus 110 will be described.

The payment application processing unit 111a receives various payment execution commands of the merchant 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 The beacon / BLE and the sensor control unit 112, and the beacon / BLE and the sensor control unit 112 transmit the corresponding command including the beacon data to the data transmission / reception terminal 120.

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 data transmission / reception 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 generation unit 113 generates the beacon / BLE data from the device authentication information D1 generated by the device authentication information generation unit 114a 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 data transmission / reception terminal 120.

In addition, the device authentication information generation unit 114a, the terminal authentication information (S1) processing unit 115a, the payment information (D2) generation unit 116a, the payment completion information processing unit 118a, / 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, And transmits the related data and the corresponding command to the data transmission / reception terminal 120 in step 112.

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 data transmission / reception 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 the embodiment, a plurality of set values of the settlement area can be pre-stored in the beacon / BLE controller 121 of the data transmission / reception terminal. In this case, only the reset command including the identification information of the 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, and a command for activating the operation recognition function of the isometric sensor, (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 the Beacon data generated by the Beacon / BLE data generation unit 113 is transmitted to the data transmission / And transmits a payment beacon signal and a BLE signal generation command including BLE data including the payment beacon data and the payment UUID to the data transmission / reception terminal 120 at the time of payment according to the payment amount and the 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 data transmission / reception terminal 120, an instruction including the BLE data generated by the data transmission /

In addition, the beacon / BLE and the sensor control unit 112 transmit a command to stop the generation of the beacon and the payment beacon to the data transmission / reception terminal 120 when the connection of the BT bridge is completed and the terminal authentication information S1 processing unit 115a Receives the BLE data for the terminal authentication information S1 from the data transmission / reception terminal 120 and confirms the reception of the BLE data, the BLE communication with the user terminal 200, that is, the BT bridge is terminated, And transmits the command to the data processing apparatus 120.

The setting values of the settlement area, which are inputted and managed through the beacon / BLE and the sensor setting unit 119, the range value of the motion recognition of the muscle tone sensor, the content value of the motion 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 at 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 114a is subjected to 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 and the BT bridge connection is completed through the connection, the device authentication information generation unit 114a 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 115a receives the BLE data for the terminal authentication information S1 from the data transmission / reception terminal 120 via the data transmission / reception 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 116a 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 310 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 310 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 point data processing 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 118a receives the approval result information from the device platform 310 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 embodiment, a plurality of payment beacon / BLE communication enabled areas can be preset and reset as a payment area by the input of a merchant or manager of a merchant, and the range value of motion recognition, Such as the content value of the content, can be preset and reset.

3 is a configuration diagram of a data transmission / reception terminal 120 according to an embodiment of the present invention.

3, the data transmission / reception terminal 120 includes a Bluetooth communication module, which is connected to the data processing apparatus 110 through communication and is used for transmission / reception of point data or payment data, And transmits and receives point data or payment data signals through Bluetooth communication with the user terminal. The control application unit 120d and the associated instruction set are executed to perform various functions of the data transmission / reception terminal 120 A control application section 120b for controlling the BT communication module and the sensor module 120d, a data processing apparatus I / F 120c for communicating with the data processing apparatus, A BT module, a muscle strength sensor (s), a 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 data processing apparatus 120 according to an embodiment. The control application unit 120b may be implemented by an MCU 120a 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 related commands through the data processing apparatus I / F 120c to control the BT module and the muscle tone sensor (s) Transmits the signal, receives the BLE signal from the user terminal, recognizes the operation of the user terminal or the user, and performs the contactless point data processing process or the mobile settlement process using the BT communication of the present invention.

In the point data processing process, the data processing apparatus 110 controls the BT communicable area of the BT module according to a command transmitted in accordance with the input of the membership service processing information of the merchant user, so that the BT bridge connection and BLE signal transmission / For example, within a predetermined proximity distance of, for example, 20 cm or less, and is controlled so as to be able to perform BT communication, that is, BT bridge connection and transmission / reception of point data only within the point data processing area, The operation result of the user terminal 200 or the user is transmitted to the data processing apparatus 110, and the result of the recognition is transmitted to the data processing apparatus 110, Is limited to the case where it is an entry operation to a predetermined proximity distance, for example, 10 cm or less, And to proceed to the point over the data processing.

In the payment processing process, the data processing apparatus 110 controls the BT communicable area of the BT module according to a command transmitted according to 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 according to each set value such as the range value of the operation recognition of the degree of mynorrhaphy sensor and the content value of the operation recognition and outputs the recognized result to the data processing unit 110. [ To a case where it coincides with a predetermined operation in the settlement area or when it is an entry operation at a very close proximity distance such as 10 Cm, And proceeds with processing of the stint data or the settlement data.

This ensures the security of the BT communication in the membership system or the settlement system in a manner that responds to the sniffing attack of the hacker, and prevents the error of the contactless point data processing or settlement using the BT communication

Hereinafter, the beacon / BLE control unit 121 and the muscle tone sensor control unit 122 related to securing the security of the BT communication and preventing the error of the contactless point data processing and the settlement 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 a control command of the beacon / BLE and the sensor control unit 112. The beacon / The receivable area is set to a predetermined distance, for example, a shop floor area.

In addition, according to the input of the membership service processing information of the merchant user at the time of point data processing, the communication enabled area of the BT module is set according to the control commands and the set values of the beacon / BLE and the sensor control unit 112 and BLE And sets a signal transmittable / receivable area as a point data processing area.

In the course of the settlement, the BT module can set the communicable area according to the control command and the set value of the beacon / BLE and the sensor controller 112 according to the input of the payment amount and the payment method of the seller, The area in which the BLE signal can be transmitted / received by the BT bridge connection is set as the settlement area.

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.

Two BT modules are used according to the embodiment, the first BT module is used for transmission of the service beacon signal, the second BT module is used for the BLE communication in the point data processing, and the payment beacon signal is transmitted and the BLE Can be used for communication.

In this case, when processing point data or proceeding with payment, turn off the first BT module to stop transmitting the beacon signal and turn on the second BT module to activate the BLE communication or activate the payment beacon signal transmission and BLE communication have.

When receiving the command to activate the BLE communication function according to the input of the membership service processing information of the merchant user, the BLE communication is started. When the reception of the terminal authentication information (Q1) is completed, the beacon / BLE and the sensor control unit 112 The BLE communication with the user terminal 200, that is, the BT bridge, is terminated.

On the other hand, upon receiving 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, the 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 data processing apparatus I / F 120c to the beacon / BLE setting control unit 121a, And controls the BT module to transmit the data to the terminal.

The BLE signal processing unit 121d processes the BLE data transmitted from the beacon / BLE and the sensor control unit 112 through the data processing apparatus I / F 120c during the point data processing to the beacon / BLE setting control unit 121a Controls the BT module to transmit the BLE signal for the BLE data including the membership UUID, and transmits the BLE signal for the terminal authentication information (Q1) received through the BT module from the user terminal to the terminal authentication information (Q1 ) And transmits the data to the data processing apparatus 110 through the data processing apparatus I / F 120c. As described above, in the embodiment where two BT modules are used, the transmission of the BLE signal and the BT bridge connection and the reception and processing of the BLE signal for the terminal authentication information (Q1) are performed through the second BT module.

The BLE signal processing unit 121d transmits BLE data transmitted from the beacon / BLE and the sensor control unit 112 via the data processing apparatus I / F 120c to the beacon / BLE setting control unit 121a Controls the BT module to transmit the BLE signal for the BLE data including the settlement UUID within the area range, and transmits the BLE signal for the terminal authentication information (S1) received through the BT module from the user terminal to the terminal authentication And transmits the processed data to the data processing apparatus 110 via the data processing 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 or changes the range value of motion recognition, the content value of motion recognition, and the like in accordance with the control command of the beacon / BLE and sensor control unit 112.

In addition, upon receiving an instruction to activate the operation recognition function of the degree of muscle strength sensor according to the input of the membership service processing information of the merchant user, the CPU 101 activates the muscle tone level sensor to start recognizing the operation. When the reception of the terminal authentication information (Q1) The beacon / BLE and the sensor control unit 112 to activate the myoelectricity sensor to terminate the motion recognition.

On the other hand, upon receipt of an instruction to activate the operation recognition function of the muscle tone sensor according to the input of the payment amount and the payment method of the seller, the operation is recognized by activating the muscle tone sensor, and 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 unit 122b processes the input signal from the muscle tone level sensor in accordance with the range value of the motion recognition and the content value of the motion recognition to recognize the operation in the point data processing area or in the payment area, It is determined whether the recognized operation is an entry operation within a second proximity distance, for example, within 10 cm, or whether the operation corresponds to a preset operation within the point data processing area or the settlement area, and outputs the 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 extracts and transmits point data or payment data from each received signal in the same manner as a general MSR point accumulation / use system or an NFC point accumulation / use system or a general MSR payment system or an NFC payment system An MSR signal processing unit, and an NFC signal processing unit.

The point data processing function, the MSR point accumulation / use function, and the NFC point accumulation / use function using the Bluetooth beacon signal and the brightness level sensor may be simultaneously activated and activated for all the point data processing means. In this case, If there are three point data processing means, a collision can occur. 4E is a flowchart of the conflict processing process between the point data processing means in the embodiment in which the data processing apparatus 120 is activated for all the point data processing 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. In this manner, priority is given to the point data processing by the point data processing function using the Bluetooth beacon signal and the brightness level sensor, and the functions are sequentially activated. .

FIG. 5A is a configuration diagram of a user terminal 200 in which a membership application according to an embodiment of the present invention is operated, and FIG. 5B is a configuration diagram of a user terminal 200 in which a payment application according to an embodiment of the present invention is operated.

A user terminal 300 according to an embodiment of the present invention may be provided with a membership application 210 or a payment application 210a that performs the point data processing process of the present invention and the membership application 210 and the payment application 210a May be an application that runs independently of each other, or an application that simultaneously performs a membership function and a payment function.

The user terminal 300 includes a display 220, an input / output I / F 230, a memory 240, a processor 250, a BT module 260, an internal / external communication I / (Not shown), an RF circuit (not shown), 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 devices 128, and an external port (not shown). 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 Figure 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.

Referring to FIG. 5A, the membership application may be configured as a set of membership APPs for processing point data divided into a beacon service APP and a plurality of membership APPs, or may be composed of one application including them, and each beacon service APP and A plurality of membership APPs can independently perform the point data processing process independently of each other with the following configurations and may be implemented as a single application by sharing some or all of the following configurations as functional modules.

The membership application includes a membership application processing section 210, a beacon information reception processing section 211, an activation processing section 212, a terminal authentication information (Q1) generation section 213, a point processing authentication information (Q2) generation section 214, Processing request information (Q2, P1) generation unit 215, a point processing completion information processing unit 216, and a position information generation unit 217.

Upon receiving the service beacon, the membership application processing unit 210 activates and controls the related application.

In the case where the membership application is composed of a set of membership APP for processing point data divided into a beacon service APP and a plurality of membership APPs, the membership application processing unit 210 includes a beacon information reception processing unit 211, an activation processing unit The point processing request information (Q2, P1) generating unit 215, the point processing completion information processing unit 216 And a position information generating unit 217. The function module may be a function module in a payment APP in which only a part of the functions are independent functions.

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 transmit the beacon UUID including the standard UUID data to the Bluetooth module of the user terminal in the BLE communication standby state And receives a service beacon signal including a pre-set identifier for enabling a membership APP loaded in the user terminal to proceed with the BLE scan.

According to an embodiment, the beacon UUID including the standard UUID data of the Beacon signal may include service identification information including APP execution information for a predetermined service connection in addition to the membership APP. In this case, the user terminal which enters the merchant through the service identification information including the APP execution information for the preset service connection and receives the beacon signal executes the APP for accessing the service, To receive an advertisement or coupon.

In addition, the activation processing unit 212 activates the membership APP of each member operating company, activates the BT module, proceeds with the BLE scan for the BT bridge connection, and while the BLE scan of the active membership APP is in progress, If the membership UUID value that is the same as the UUID value stored in the membership APP is found in the point data processing area, the BT bridge connection is performed to connect the BT bridge connection point data processing device 100 and the point data processing device 100, The terminal authentication information (Q1) generation unit 213 extracts the device authentication information (P1) from the received BLE data of the device authentication information (P1) and stores the extracted device authentication information (P1) in the memory , A transaction serial number included in the device authentication information (P1) is extracted, and a transaction classification classified as point accumulation or use, a formula of an automatically activated membership application A smart phone identification ID including a unique ID of the corresponding user terminal, a membership subscription ID which is a member identification number of the membership application, and the extracted transaction serial number, the transaction content, the membership application, the user, The terminal authentication information (Q1), which is information for authenticating the validity of at least one of the BLE data, is generated and transmitted to the data transmission / reception terminal 120 through the BT module.

The point processing request information (Q2, P1) generating unit 215, the point processing completion information processing unit 216, and the position information generating unit 214, which will be described later in the point data processing process, The control unit 217 activates the function of the control unit 217 and controls the function of each unit.

The beacon information reception processing unit 211 switches the Bluetooth module of the user terminal to the BLE communication standby state to the beacon UUID including the standard UUID data through the BT module before the point data processing, activates the membership APP mounted on the user terminal, And transmits the extracted beacon UUID to the activation processing unit 212. The activation beacon UUID is transmitted to the activation processing unit 212. [

Upon reception of the beacon UUID from the beacon information reception processing unit 221, the activation processing unit 212 activates the membership APP of each member company, activates the BT module, performs a BLE scan for BT bridge connection, During the BLE scan, if a membership UUID value equal to the UUID value stored in the membership APP is found in the point data processing area, the BT bridge connection is performed through the BT bridge connection, and the point data processing device connected to the BT bridge (100).

According to the embodiment, when the activation processing unit 212 activates the membership APP, the membership APP activates the BT module using the self activation function, If a BLE scan for the BT bridge connection is performed and a membership UUID value equal to the stored UUID value is confirmed during the BLE scan of the membership APP, the BT bridge connection can be performed through the BLE scan. At this time, the activation processing unit 212 defines a configuration having a function of activating the BT module and proceeding with the BT bridge connection in the membership APP.

The terminal authentication information (Q1) generation unit 213 generates the terminal authentication information (P1) received through the BT communication with the data transmission / reception terminal (120) of the point data processing device (100) And extracts the transaction serial number included in the device authentication information P1 to extract the transaction classification classified by the point accumulation or use, the automatically activated membership application (P1) A smartphone identification ID including a unique identification number of the user terminal, a membership subscription ID, which is a member identification number of the membership application, and the extracted transaction serial number, Generates terminal authentication information (Q1), which is information for authenticating the validity of one or more of the terminals, generates BLE data for the generated terminal authentication information Solution to transmit to the data transmission terminal 120.

The point processing authentication information (Q2) generation unit 214 extracts the terminal authentication information (Q1), the location information of the user terminal generated from the location information generation unit 217, and the temporary information of the user terminal at the time of the transaction, And generates point processing authentication information (Q2).

The point processing request information (Q2, P1) generating unit 215 transmits the point processing authentication information (Q2) and the apparatus authentication information (P1) to the membership operating system 300 .

The point processing completion information processing unit 216 receives the APP point processing completion information (Q3), which is the result information on the point processing request, from the membership operating system 300 via the communication I / F, To the display.

The location information generation unit 217 generates location information of the terminal by analyzing signals or data received from the GPS module, Wifi module, LTE module, etc., and transmits the generated location information to the point processing authentication information (Q2) generation unit 214 .

Referring to FIG. 5B, the payment application may be composed of a set of billing APPs for settlement classified into a beacon service APP and a plurality of payment processors APP, or an application including them, and each beacon service APP and plural The settlement APP of the settlement company can independently carry out the mobile settlement processing process independently of the following configurations and may be implemented as a single application by sharing part or all of the following configurations as function modules.

The payment application includes a payment application processing section 210a, a Beacon information reception processing section 211a, an activation processing section 212a, a terminal authentication information S1 generation section 213a, a payment authentication information S2 generation section 214a, Information S3 generation unit 215a, a payment completion information processing unit 216a, and a position information generation unit 217a.

Upon receiving the beacon or the payment beacon, the payment application unit 210a performs a function of activating and controlling the related application.

When the payment application is composed of a beacon service APP and a set of payment APPs for settlement classified into a plurality of payment processors APP, the payment application processing unit 211a includes a beacon information reception processing unit 211a, an activation processing unit 212a, The terminal authentication information S1 generation unit 213a, the payment authentication information S2 generation unit 214a, the payment request information S3 generation unit 215a, the payment completion information processing unit 216a, And a function module in a payment APP functioning independently together with the function module 215a, and only a part of the function module may be configured as a function module in a payment APP performing functions independently.

When the user terminal enters the store, that is, the service area (i.e., the beacon reception area), the beacon information reception processing part 211a 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 212a activates the payment APP of each settlement company, activates the BT module, proceeds with the BLE scan for the BT bridge connection, and while the BLE scan of the activated payment APP is in progress, If the settlement UUID value equal to the UUID value stored in the APP is confirmed, the BT bridge connection is performed through this to connect the BT bridge connection point data processing device 100 in the settlement area to the payment device information D1 The BLE data is received and the terminal authentication information S1 generating unit 213a extracts the settlement device information D1 from the received settlement device information D1 BLE data and stores the extracted settlement device information D1 in the memory, ), Extracts the device transaction serial number included in the payment transaction APP, identifies the transaction including the approval related information, the payment APP identification ID for identifying the payment APP to be executed, and the unique identification number of the user terminal Generates terminal authentication information (S1) including a phone identification 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 transmits it to the data transmission / reception terminal 120 through the BT module.

When the user terminal enters the settlement area (that is, the settlement Beacon reception area), the beacon information reception processing part 211a is activated, and the reception range is limited to the proximity range of the settlement area and 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 212a activates the payment APP of the corresponding payment company, proceeds with the BLE scan for the BT bridge connection, and while the BLE scan of the activated payment APP proceeds, the UUID value stored in the payment APP in the payment area When the same payment UUID value is confirmed, the BT bridge connection is performed to connect the BT bridge to the point data processing device 1 00) and the BLE data for the settlement apparatus information D1 through the BT communication, and the terminal authentication information (S1) generation unit 213a generates BLE data of the settlement apparatus information (D1) Extracts the information D1 and extracts the device transaction serial number included in the settlement device information D1 to extract a transaction classification including the approval related information, a payment APP identification ID for identifying the payment APP to be executed, 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) S1), generates BLE data for the BLE data, and transmits the BLE data to the data transmission / reception terminal 120 through the BT module.

The settlement authentication information S2 generating unit 214a, the settlement request information S3 generating unit 215a, the settlement completion information processing unit 216a, and the position information generating unit 216a So as to perform the respective functions.

The beacon information reception processing unit 211a 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 212a.

In addition, the beacon information reception processing unit 211a receives the payment Beacon signal including the payment beacon UUID whose reception range is limited to the close 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 merchant included and an identifier for executing the payment APP, and transfers the extracted payment beacon UUID to the activation processing unit 212a.

Upon receiving the beacon UUID from the beacon information reception processing unit 211a, the activation processing unit 212a activates and executes a service APP for a specific service connection, thereby inducing a user terminal user who has entered the service area to receive the service . In addition, a BLE scan for the BT bridge connection is activated 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 APP, When the same payment UUID value is confirmed, the BT bridge connection is performed to perform the BT communication with the point data processing device 100 connected to the BT bridge in the settlement 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 BTE scan for the BT bridge connection is activated by activating the BT module and the BLE scan of the activated payment APP is in progress and if the payment UUID value equal to the UUID value stored in the payment APP in the payment area is confirmed BT bridge connection to perform BT communication with the point data processing device 100 connected to the BT bridge in the settlement area.

According to an embodiment of the present invention, when the activation processing unit 212a 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 The BLE scan for the BT bridge connection is activated and the BLE scan of the activated payment APP is in progress. If the payment UUID value equal to the UUID value stored in the payment APP in the payment area is confirmed, the BT bridge connection is performed through the BLE scan It is possible. At this time, a configuration having a function of activating the BT module and proceeding with the BT bridge connection in the payment APP is defined as the activation processing unit 212a.

The terminal authentication information generation unit 213a generates a terminal authentication information S1 for the payment device information D1 received from the point data processing device 100 through BT communication with the point data processing device 100 connected to the BT bridge in the settlement area Extracts the settlement device information D1 from the BLE data, stores it in the memory, and extracts the device transaction serial number included in the settlement device information D1 to identify a transaction classification including the approval related information, A payment APP ID, a smartphone identification ID including a unique identification number of the user terminal, a payment APP subscription ID as a unique identification number of the payment APP service member, and a device transaction serial number contained in the payment device information D1 And transmits BLE data for the terminal authentication information S1 to the data transmission / reception terminal 120 via the BT module.

The settlement authentication information S2 generating unit 214a 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 a 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 214a 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 generating unit 215a generates the settlement request information S3 by combining the position information of the user terminal generated by the position information generating unit 217a 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 payment completion information processing unit 216a receives the approval result information S4 for the APP settlement request from the payment company / financial institution system 400 via the communication I / F and displays it through the input / output I / F unit 230 .

The location information generation unit 217a analyzes the signals or data received from the GPS module, the Wifi module, the LTE module, and the like to generate location information of the terminal, and generates the payment request information (S3) Lt; / RTI >

3. [Device platform 310 and payment company / financial institution system 400 of the present invention]

FIG. 6 is a configuration diagram of a device platform 310 of the present invention, and FIG. 7 is a configuration diagram of a payment company / financial institution system 400 of the present invention.

A device platform 310 for performing point data processing and mobile payment processing in cooperation with the contactless point data processing device 100 and the user terminal 200 described above with reference to FIGS. 6 to 7, and a payment The banking / financial institution system 400 will be described.

Referring to FIG. 6, the device platform 310 of the present embodiment is described as an independent configuration for performing point data processing and mobile settlement processing of the present invention. However, according to the embodiment, the point processing request (Q2, P1) of the membership APP of the user terminal and the point processing request (P1, Q1) of the point data processing device 100 are received, The function of transmitting the device platform 310 to the operator system 320 can be performed by a separate membership server operated by the device platform 310 included in the membership manager system 320 or operated by the membership operator. Also, it can be implemented by the payment company and included in the membership server, which is a service platform of the payment server, to perform the point data processing function of the present invention.

The device platform 310 is an independent system separate from the payment company / financial institution system 400 and is separated into a payment company server 410 and a financial company server 420 as a final payment approval institution. As shown in FIG. However, the present invention is not limited to this. However, the device platform 310 may be implemented by a payment company and included as a service platform of the payment server 410 to perform the payment data processing function of the present invention, The server 410 may be implemented as a component of the financial service server 420 that is included in the financial service server 420 as a final payment approval authority and performs the payment data processing function of the present invention for a specific payment.

6, the device platform 310 includes a point processing unit 31, a payment processing unit 32, a sales management unit 33, an authentication authority management unit 34, and a service API processing unit 34 .

The point processing unit 31 includes a device point processing request (P1, Q1) receiving unit 311 for receiving a point processing request (P1, Q1) transmitted from the device 100 via the first network in connection with the point data processing, (Q2, P1) receiving unit (312) for receiving a point processing request (Q2, P1) of a membership APP transmitted from a user terminal via a network, a device authentication information (P1) Membership transaction information P2, which is information including merchant serial number which is a serial number generated in accordance with the operation information, merchant shop information which is information of a merchant to be traded, and merchant shop location information which is latitude and longitude information of a pre-registered merchant shop address And a membership transaction information (P2) generation and verification unit (313) for verifying the validity of the point processing request (Q2, P1) of the membership APP of the user terminal based on the membership transaction information And transferred to system 320, is configured to include a point processing request / result receiving unit 314 for processing operators from the membership system 320, receives the process result point.

The merchant location information is stored in advance in the device information associated with the merchant information at the time of distribution and installation of the device, and the generated membership transaction information (P2) is separately stored and managed. The verification through the merchant location information is performed by comparing the merchant location information included in the point processing authentication information (Q3) included in the point processing request from the separated user terminal with the merchant location information, And to reduce the risk of unfair points processing or errors by suspending approval or denying the approval of the point data processing when the positional information is inconsistent. In addition, In order to control and manage it. To this end, the device platform 310 stores and manages the contactless point data processing device 100 including the merchant location information, and the merchant-related information and the membership transaction information P2 in the membership DB.

The settlement processing unit 32 is connected to the payment data D2 receiving unit (D2) for receiving the device settlement information D2 to which the merchant information is added to the settlement device information D1 in the point data processing device 100 321) generates a settlement serial number, which is a serial number for settlement, and generates settlement transaction information (D3) including the device settlement information (D2) and the settlement serial number and the merchant location information which is latitude and longitude information of the pre- And transmits the device settlement request including the terminal authentication information S1 and the settlement transaction information D3 to the settlement company / financial institution system 400 to generate a settlement transaction information (D3) generating unit 322 ) And a settlement data processing unit 32a including a payment completion information D4 reception processing unit 323 for receiving and processing the settlement approval result D4 from the settlement company / financial institution system 400 and performing the purchase settlement processing for the merchant Purchase / Settlement And a processing unit 32b.

The sales manager 33 manages merchant management, device management, and user management, and registers and manages necessary information.

The authentication authority management unit 34 performs authentication control for the user, system access authority control, and access control for the service API.

The service API processing unit 35 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 APP payment request information S3 including location information of the user terminal from the user terminal 200 and settlement device information D1, Receives a device settlement request of the device platform including the payment transaction information D3 including the merchant location information and the terminal authentication information S1 from the device platform 310 , And verifies and verifies each 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 310 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 .

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 The receiver 411 receives payment transaction information D3 including the merchant location information from the device platform 310 via the second network and the device 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 310 as a payment approval result (S4, D4) in the processing unit 414, respectively.

4. [Contactless point data processing device using Bluetooth communication and point data processing method of user terminal and mobile payment method of mobile payment system]

8 is a flowchart of a point data processing process of a point data processing device according to an embodiment of the present invention. The point data processing method of the point data processing device 100 will be described with reference to FIG. 8, .

Referring to FIG. 8, a point data processing method of a contactless point data processing device using a Bluetooth beacon signal and a brightness level sensor according to the present embodiment includes a beacon information transmission step S100, a membership service processing information input step S110, (S120), a data transmission / reception terminal function activation step S130, a BT communication authentication and a BT bridge connection step S140, a device authentication information P1 generation and transmission step S150, an operation recognition and terminal authentication information Q1 (S160), a point processing request generation and transmission step (S170), and point processing completion information (P3) reception and processing step (S180). In the case of the beacon information transmission step S100, it may be omitted as an additional step, and each information defined as an exemplary content of each information may be changed in content according to the embodiment.

The beacon information transmission step S100 includes a beacon UUID including standard UUID data according to the BLE standard before the start of the point data processing started by inputting the membership service processing information, and the beacon UUID includes a BLE And a service beacon signal including a preset identifier for allowing the membership APP loaded in the user terminal to proceed to the BLE scan is transmitted to the user terminal that has entered the service area in the franchisee, .

The membership service processing information input step (S110) is a process of inputting a selection input of inputting and accumulation or use of a payment amount or a point amount of a user of the merchant as the membership service processing information of the user.

The BT setting change step S120 activates the beacon / BLE data generation unit 113 according to the input of the membership service processing information of the user of the merchant and calls information of the membership operator including the membership UUID according to the membership service processing information Generates BLE data including the membership UUID, and sets the beacon / BLE communicable area as a point data processing area that is a predetermined proximity distance.

The data transmission / reception terminal function activation step (S130) activates the BLE communication function of the BT module according to the input of the membership service processing information and activates the motion recognition function of the eye level sensor.

In the BT communication authentication and BT bridge connection step (S140), when the membership 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 device authentication information P1 generation and transmission step S150 is a process of generating the device authentication information P1 and transmitting the BLE data to the user terminal through the BT bridge connection.

The terminal authentication information (Q1) reception and operation recognition step (S160) receives the terminal authentication information (Q1) from the user terminal and recognizes the operation of the user terminal or the user in the point data processing area to determine whether or not the terminal authentication information . &Lt; / RTI >

The point processing request creation and transmission step S170 generates a point processing request (P1, Q1) and transmits it to the device platform when the recognized operation coincides with the predetermined operation.

The point processing completion information P3 receiving and processing step S180 receives the point processing completion information P3, receives it from the device platform, and performs output and storage processing.

FIG. 9 is a flowchart of a process of processing point data of the user terminal 200 according to one embodiment of the present invention. Referring to FIG. 9, a point data processing method in a user terminal 200 interlocked with a contactless point data processing 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, (Step S210), the membership UUID reception and BT bridge connection step S220, the terminal authentication information generation and transmission step S230, the point processing authentication information generation step S240, the point processing request (Q2, P1) transmission step S250, and point processing completion information Q3 receiving and processing step S260.

The beacon reception and service processing step (S200) is a process in which the Bluetooth module receives a service beacon signal before start of point data processing, which is started by inputting membership service processing information, and switches the Bluetooth module to a BLE communication standby state.

The service beacon signal includes a beacon UUID including standard UUID data according to the BLE standard. In the beacon UUID, the Bluetooth module of the user terminal is switched to the BLE communication standby state, the membership APP mounted on the user terminal is activated, A pre-set identifier for proceeding is included.

The activation application activation step (S210) is a process of executing the membership APP and proceeding with the BLE scan.

The membership UUID reception and BT bridge connection step (S220), when a membership UUID value equal to the membership UUID stored in the BIP scan in-progress membership APP is confirmed, the BT bridge connection is performed to connect the BT bridge within the point data processing area And performs the process of receiving the device authentication information P1 through BT communication with the point data processing device 100. [

The terminal authentication information (Q1) generation and transmission step (S230) extracts the transaction serial number included in the device authentication information (P1) and stores the transaction classification classified by the point accumulation or use, the identification ID of the membership application, Authenticating the validity of at least one of the transaction content, the membership application, the user, and the user terminal, including the smartphone identification ID including the unique identification number, the membership subscription ID that is the member identification number of the membership application, and the extracted transaction serial number And transmits the generated terminal authentication information (Q1) to the BT bridge-connected point data processing device 100 through the BT communication.

The point processing authentication information (Q2) generation step (S240) includes a step of generating point processing authentication information (Q2) by combining the terminal authentication information (Q1) with the location information of the user terminal and the date information of the user terminal at the time of transaction to be.

The point processing request (Q2, P1) generation and transmission step S250 generates point processing authentication information (Q2) and device authentication information (P1) as a point processing request (Q2, P1) And transmits it to the membership operating system 300.

The point processing completion information (Q3) receiving and processing step (S260) receives APP point processing completion information (Q3), which is the result information for the point processing request, from the membership operating system (300) through the communication I / / F unit 230 to the display.

FIG. 10 is a flow chart 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 310 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 point data processing 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 settlement approval process in the payment company / financial institution system 400 are combined to additionally perform the mobile settlement method of the mobile settlement system.

The point data processing device includes 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, A beacon information transmission process for transmitting a beacon signal including service identification information including APP execution information for connection. In the payment amount and method selection input step, the payment amount and payment method of the seller are inputted.

Then, the beacon / BLE data generation unit 113 is activated according to the input of the payment amount and the payment method of the seller, and the information of the payment company including the payment UUID according to the payment method is called to receive the payment beacon data and the payment UUID BLE data and sets a settlement beacon / BLE (BT) setting change process for setting a settlement beacon / BLE communication enablement area as a preset close proximity settlement area. In accordance with the payment amount and payment method of the seller, The beacon signal transmission and BLE communication function of the beacon sensor, and activating the data transmission / reception terminal function of activating the motion recognition function of the isometric sensor.

Then, when the payment UUID value is confirmed in the user terminal 200 and the BT bridge connection is requested through the BT terminal, the BT terminal authenticates the BT bridge connection and performs the BT communication authentication and the BT bridge connection process to complete the BT bridge connection with the user terminal 200, (BLE) data for generating the device authentication information D1 and generating BLE data therefrom when the BT bridge connection of the BT bridge is completed; generating BLE data for the device authentication information D1 through the BT bridge connection to the user terminal , A process of transmitting settlement device information (D1) for receiving the terminal authentication information (S1) from the user terminal, an operation of recognizing the operation of the user terminal or the user in the settlement area and determining whether or not the operation matches the preset operation When the recognition process and the recognized operation coincide with the predetermined operation, payment information D2 is generated and the terminal authentication information S1 and the payment information D2 are transmitted to the device platform Performs terminal authentication information (S1), and billing information (D2) transmission. Then, the payment completion information D4 for receiving the payment approval result from the device platform and outputting and storing the payment result is received and processed.

The beacon UUID includes standard UUID data according to the BLE standard before payment data processing, which is started by inputting the payment amount and the payment method of the user of the merchant, in the user terminal, And a beacon reception and service processing process for executing an APP for accessing a corresponding service by receiving a beacon signal including service identification information including the execution information of the APP for the BLE A payment beacon UUID including standard UUID data, and the payment beacon UUID includes a payment Beacon signal including the identification information for executing the payment APP of the payment company included in the payment method selected by the user of the merchant and the payment UUID When the BLE signal is received, the BT module is activated to the BLE communication standby state, And activates the payment APP of the priest to perform the beacon reception and application activation process to perform the BLE scan.

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.

When a settlement UUID value equal to the UUID value stored in the payment APP is confirmed during the BLE scan in a series of settlement areas, the BT bridge connection is performed to connect the BT bridge to the BT data processing device 100 and the BT A subscriber terminal authentication information S1 including a device transaction serial number included in the settlement device information D1 upon receiving the settlement device information D1, a BT bridge connection process for receiving the settlement device information D1 through communication, To the display device of the user terminal, a UI for inputting the terminal authentication information (S1) for generating and transmitting terminal authentication information (S1) to be transmitted to the BT bridge-connected device A selection means for selecting a payment means and a user identification information inputting means for inputting user identification information from a user, Generates settlement authentication information S2 including user identification information and transaction date information, generates terminal position information, and generates an APP settlement request including terminal authentication information S1, settlement authentication information S2, An APP settlement request information S2 for generating information S3 and an APP settlement request information S3 and an APP settlement request including the APP settlement request information S3 and settlement device information D1, (S4) for transmitting an APP settlement request (S3, D1) to be transmitted to the financial institution system (400), receiving settlement approval result from the settlement company / financial institution system (400) And processing steps.

Referring to FIG. 10, the point data processing device 100 transmits beacon information set in a store 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 close to the point data processing device 100 with a counter. Accordingly, the seller selects and inputs the payment amount and the payment method of the product, and the point data processing 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 Generating BLE data including payment beacon data and payment UUID by calling information of the payment company including the payment UUID according to the payment method and setting the payment beacon / BLE communication enable area as a predetermined close range payment area Perform the payment beacon / BLE (BT) configuration change step.

Next, the data transmission / reception terminal function activation 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 enabled and the user is ready to recognize the settlement operation.

The seller or the point data processing device 100 requests the user to access the user terminal from the data transmission / reception 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 payment APP of a plurality of payment 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 APP during the BLE scan in the settlement area, And a BT bridge connection step (S220) of receiving settlement device information (D1) through BT communication with the bridge-connected point data processing device (100). At the same time, when the payment UUID value is confirmed in the user terminal 200 and the BT bridge connection is requested, the point data processing device 100 authenticates the BT bridge connection and completes the BT bridge connection with the user terminal 200, And the 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 (UI) for inputting payment means and user identification information is displayed on the display device of the user terminal, and the terminal authentication information S1 is transmitted to the point data processing device 100, Selection of a payment means and input of user identification information, which are processes of selecting payment means and receiving user identification information from the user.

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.

After receiving the terminal authentication information S1 from the user terminal 200, the point data processing device 100 recognizes the operation of the user terminal or the user in the settlement area through the user's degree of lightness sensor, And generates payment information D2 when the recognized operation matches the predetermined operation, and transmits the terminal authentication information S1 and the payment information D2 to the device platform And transmits the terminal authentication information S1 and payment information D2, which are processes.

11, in the device platform 310, the merchant for processing the tasks of the sales management unit 33, the authentication authority management unit 34, and the service API processing unit 35 and the device information setting (Step S300), payment information (D2) reception processing step (S310) for receiving terminal authentication information (S1) and payment information (D2) Generates the payment transaction information D3 including the device payment information D2 and the payment serial number and the merchant location information, which is the latitude and longitude information of the pre-registered merchant address, and transmits the terminal authentication (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 together with the information (S1) (410) / financial institution Payment completion information D4 receiving and processing the settlement approval result D4 of the settlement information 420 and payment completion information D4 for transferring the settlement approval result D4 to the point data processing device 100 D4) transmission processing step.

12, in the payment company / financial institution system 400, the payment company server 410 receives an APP settlement request (S3, D1) for specific settlement including the location information of the user terminal from the user terminal, The device settlement request D3 and S1 for the specific settlement including the received APP settlement request S3 and D1 and the device settlement request D3 and S1, (S430), an approval data generation and approval request transmission step (S430) of generating authorization data for the payment request and transmitting an approval request to the financial institution system 420, (S440) for receiving the transmitted approval or not, and generating approval messages (S4, D4) in accordance with the approved approval data, A process of generating and transmitting an approval message S4 and D4 to the platform 310 and the user terminal is performed. In the present invention, the validation step S420 The payment server 410 compares the location information of the user terminal with the merchant location information with the transaction location information, and performs a payment data processing process to transmit the settlement error message when the transaction location information does not match.

13, the data included in the device settlement request (D3, S1) and the APP settlement request (S3, D1) are compared in the billing validity verification step (S420) 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.

Meanwhile, the process of verifying the approval data in the financial institution system 420 and determining whether to approve the specific payment and transmitting the approval data is the same as the normal payment approval method performed in the financial institution system 420, .

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: point data processing device 110: data processing device
120: Data transmission / reception terminal 200:
300: Membership Operating System 310: Device Platform
320: Membership operator system 400: Payment company / financial institution system

Claims

A contactless point data processing device using Bluetooth communication,
The terminal module receives the membership service processing information from the user of the merchant through the user interface, processes the point data, receives the settings for the communication module and the sensor module including the Bluetooth communication module for processing the point data, A data processing device 110 for generating a command for controlling the Bluetooth communication module and the sensor module and transmitting and receiving point data to and from the user terminal through the Bluetooth communication module, And a data transmission / reception terminal (120) for transmitting / receiving a point data signal by Bluetooth communication with a user terminal, changing a necessary setting according to a command of the data processing apparatus, including a Bluetooth communication module used for transmission /
The data processing apparatus (110)
The communication range of the Bluetooth communication module is shortened to a predetermined short range at the point data processing started by inputting the membership service processing information which is an input for inputting and accumulating or using the payment amount or the point quantity of the user of the merchant Command to the data transmission / reception terminal 120,
The data transmission / reception 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 point data by Bluetooth communication with the user terminal only in the communicatable area and to recognize the operation of the user terminal in the shortened and controlled vicinity by the at least one muscle level sensor, The sensor recognizes the operation of the user terminal within the shortened distance and determines whether the operation of the user terminal is consistent with the predetermined operation, and transmits the result to the data processing apparatus 110,
The predetermined operation is an operation of entering a predetermined point within a distance closer to the data transmitting / receiving terminal 120 than the shortened adjusted distance,
The data transmission / reception terminal 120 calculates the distance from the data transmission / reception terminal 120 of the user terminal in the shortened distance through the one or more isosmosis sensors and transmits the data transmission / When it is recognized that the user terminal enters the predetermined point within a distance closer to the terminal 120, it is determined that the operation conforms to the predetermined operation, and the result is transmitted to the data processing apparatus 110,
When the data processing apparatus 110 recognizes the operation of the user terminal entering a preset point within a distance shorter than the shortened distance and determines that the recognized operation coincides with the predetermined operation, Wherein the point-to-point data processing device is a non-contact point data processing device using Bluetooth communication.

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The data processing apparatus (110) according to claim 1, wherein the data processing apparatus (110) controls the data transmission / reception terminal (120) before the point data processing started by inputting the membership service processing information of the user of the franchisee to transmit a service beacon signal to the merchant The beacon UUID of the service beacon signal is transmitted to a range where the incoming user terminal can receive, and the beacon UUID of the service beacon signal is pre-set to allow the Bluetooth module of the user terminal to be switched to the BLE communication standby state and the membership APP mounted on the user terminal to be activated, Wherein the contactless point data processing device includes an identifier.

The method according to claim 6,
Wherein the service 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. Contact point data processing device.

The data processing apparatus according to claim 1, wherein when the membership service processing information is input by the user of the merchant, the data processing apparatus (110) controls the data transmission / reception terminal (120) so that the communication enabled area includes the shortened membership UUID And transmits and receives point data by proceeding to establish a Bluetooth bridge for data communication with a user terminal that has entered the communicable area by generating and transmitting a BLE signal to the non-contact point data processing device.

2. The method of claim 1, wherein the data processing apparatus (110) is connected to the user terminal via a Bluetooth bridge connection for data communication in a predetermined shortened Bluetooth communication coverage area, The device authentication information P1 including the unique ID of the device and the payment content information, which is the information for authenticating the payment contents, to the user terminal, authenticates the membership APP, the validity of the user or the user terminal, And the terminal authentication information (Q1), which is information for performing the contactless point data processing.

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10. The method according to any one of claims 1 to 9,
The data processing apparatus 110 receives settlement-related information from a user of the merchant through a user interface, processes payment data, inputs a setting for a communication module and a sensor module including a Bluetooth communication module for processing the payment data Receives the setting data, generates a command for controlling the Bluetooth communication module and the sensor module according to the setting input, transmits and receives settlement data to and from the user terminal through the Bluetooth communication module, and the data transmitting / receiving terminal (120) The data processing apparatus 110 transmits the payment data signal to the user terminal by changing the necessary setting according to the command and the data processing apparatus 110 transmits the payment data signal to the user terminal through the Bluetooth The communication area of the communication module is shortened to a preset short distance The data transmission / reception terminal 120 sets the communicable area of the Bluetooth communication module to the short-circuited short distance, and transmits the payment data signal to the user terminal through Bluetooth communication, The point-to-point data processing device using Bluetooth communication.

The data processing apparatus (110) according to claim 11, wherein when the payment amount and the payment method are input by the user of the merchant, the data processing apparatus (110) controls the data transmission / reception terminal (120) And transmits and receives the settlement data through the Bluetooth bridge connection for data communication with the user terminal that has entered the communicable area. [5] The contactless point data processing device according to claim 1,

13. The method of claim 12,
When the payment amount and the settlement method are input by the user of the merchant, the data processing apparatus 110 controls the data transmission / reception terminal 120 to transmit the settlement beacon signal whose communication area is shortened and the settlement beacon signal 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) is set to a BLE communication standby state and a payment APP of a payment company included in the payment method selected by the user of the merchant is activated to perform a BLE scan. Contact point data processing device.

12. The method of claim 11,
The data processing apparatus 110 is connected to the user terminal through a Bluetooth bridge connection for data communication in a preset short-circuited Bluetooth communication enabled area, and the data processing apparatus 110 transmits information for validating the data processing apparatus 110, For authenticating the settlement APP, the validity of the user or the user terminal, and the contents of the transaction from the user terminal, and transmits settlement device information (D1) including the unique identification ID of the data processing apparatus 110 And receives the terminal authentication information (S1) which is information.

A point data processing method of a contactless point data processing device using Bluetooth communication,
A membership service processing information input step (S110) for inputting a selection input of inputting and accumulation or use of a payment amount or a point quantity of a user of the merchant as the membership service processing information of the user,
Activates the Beacon / BLE data generation unit 113 according to the input of the membership service processing information of the user of the merchant and calls the information of the membership operator including the membership UUID to generate BLE data including the membership UUID, A BT setting change step (S120) of setting a communicable area of the point data processing area to a point data processing area,
Activating a BLE communication function of the Bluetooth communication module according to the input of the membership service processing information, activating a function of recognizing the operation of the sensor module which is composed of one or more isometric sensors and recognizes the operation of the user terminal, S130),
A BT communication authentication and BT bridge connection step (S140) for authenticating the Bluetooth bridge connection request and confirming a Bluetooth bridge connection with the user terminal (200) when the membership UUID value is confirmed at the user terminal (200)
A step S150 of generating and transmitting the device authentication information P1 for generating the device authentication information P1 and transmitting the BLE data to the user terminal via the Bluetooth bridge connection,
The terminal receives the terminal authentication information (Q1) from the user terminal, recognizes the operation of the user terminal or the user in the point data processing area through the sensor module configured by the one or more isometric sensors and recognizes the operation of the user terminal, Receiving and recognizing the terminal authentication information (Q1) for determining whether or not it matches the set operation (S160)
A point processing request generation and transmission step (S170) of generating and transmitting a point processing request (P1, Q1) to the device platform when the recognized operation coincides with the predetermined operation,
The BT setting change step (S120)
The communication range of the Bluetooth communication module is shortened to a short distance so as to limit the Bluetooth communication enabled area to a point data processing area that is a predetermined proximity distance, Data is transmitted / received by communication,
The terminal authentication information (Q1) reception and operation recognition step (S160)
Calculating a distance from the user terminal within the shortened adjusted distance to determine whether the user terminal is entering a predetermined point within a distance closer than the shortened adjusted distance to the user terminal, However,
The point processing request generation and transmission step (S170)
(P1, Q1) when it is determined that the operation of entering the user terminal to a predetermined point within a distance shorter than the shortened controlled short distance is recognized and the recognized operation coincides with the predetermined operation, And transmitting the point data to the platform. The point data processing method of the contactless point data processing device using the Bluetooth communication.

16. The method of claim 15,
A beacon UUID including standard UUID data according to the BLE standard before the start of the point data processing initiated by inputting the membership service processing information is included and the Bluetooth module of the user terminal is switched to the BLE communication standby state, Further comprising a beacon information transmission step (S100) of transmitting a service beacon signal including a preset identifier for allowing a mounted membership APP to be activated and allowing a BLE scan to proceed to a range in which the user terminal entering the service area in the franchisee can receive the service beacon signal And a point data processing method for a contactless point data processing device using Bluetooth communication.

17. The method according to claim 15 or 16,
A payment amount and a method selection input step of receiving a payment amount and a payment method of a seller,
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 A billing beacon / BLE setting change step of setting a billing beacon / BLE communication enabling area as a predetermined settlement area,
A data transmission / reception terminal function activation step of activating the BLE communication function of the Bluetooth communication module according to the payment amount and the payment method of the seller,
A BT communication authentication and a BT bridge connection step of authenticating the Bluetooth bridge connection request and confirming a Bluetooth bridge connection with the user terminal 200, when the payment UUID value is confirmed in the user terminal 200,
A step S2 of generating settlement apparatus information D1 for generating the apparatus authentication information D1 and generating BLE data therefrom when the connection of the Bluetooth bridge is completed,
Transmitting the BLE data for the device authentication information (D1) to the user terminal through the Bluetooth bridge connection and the payment device information (D1) for receiving the terminal authentication information (S1) from the user terminal,
And transmitting the terminal authentication information (S1) and the payment information (D2) for generating the payment information (D2) and transmitting the terminal authentication information (S1) and the payment information (D2) to the device platform A point data processing method of a contactless point data processing device using Bluetooth communication.

18. The method of claim 17,
The data transmission / reception function activation step activates the operation recognition function of the sensor module, which is configured by the one or more muscle tone sensors according to the input of the payment amount and the payment method of the seller, and recognizes the operation of the user terminal. Further comprising an operation recognition step of recognizing an operation of a user terminal or a user in the settlement area by the function and determining whether or not the operation corresponds to a predetermined operation, wherein the terminal authentication information (S1) and the payment information (D2) And transmits the terminal authentication information (S1) and the payment information (D2) to the device platform when the recognized operation coincides with the predetermined operation. A method of processing point data of a device.

The method as claimed in claim 18, wherein the step of activating the data transmission / reception terminal function activates a payment beacon signal transmission function, 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 And a payment APP of the payment company included therein is activated to allow the BLE scan to proceed. The point data processing method of the contactless point data processing device using the Bluetooth communication.

18. The method of claim 17,
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 And a beacon information transmitting step of transmitting a beacon signal including information to the point-data processing device of the contactless point data processing device using the Bluetooth communication.