KR101813609B1 - Portable payment terminal apparatus based on beacon and method for servcing payment using the same - Google Patents
Portable payment terminal apparatus based on beacon and method for servcing payment using the same Download PDFInfo
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- KR101813609B1 KR101813609B1 KR1020150099013A KR20150099013A KR101813609B1 KR 101813609 B1 KR101813609 B1 KR 101813609B1 KR 1020150099013 A KR1020150099013 A KR 1020150099013A KR 20150099013 A KR20150099013 A KR 20150099013A KR 101813609 B1 KR101813609 B1 KR 101813609B1
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- payment
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- response
- beacon signal
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/353—Payments by cards read by M-devices
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A beacon-based portable payment terminal connected to an integrated platform, a card company server, and a mobile terminal for providing a payment service based on a charge amount charged by a user and providing a payment service, A communication unit for providing an interface for communication and an interface for short range wireless communication with the mobile terminal; a beacon signal generating unit for generating a beacon signal for executing the payment processing apparatus in the mobile terminal and broadcasting the beacon signal through the communication unit And a controller for generating frame data based on the settlement related information and the information of the mobile terminal that has transmitted the response signal when the response signal to the beacon signal is received, A frame data generation unit for generating a frame data, A payment request unit for requesting payment processing in cooperation with an external card company server connected to the integrated platform or the wireless network based on the received payment request information when the payment request information is received from the mobile terminal in response to the frame data; A settlement result generation unit for generating a result message corresponding to the response as the response to the settlement processing request is received from the integrated platform or card company server and transmitting the result message to the mobile terminal that has transmitted the response signal through the communication unit And a portable payment terminal device.
Description
The present invention relates to a beacon-based portable payment terminal device and a payment service providing method using the same.
In recent years, the number of subscribers to mobile phone networks has greatly increased globally, and mobile communication terminals providing only simple voice communication functions by means of technological progress and functions have evolved into mediums that provide various types of information and services. As a result, the mobile information society is developing, and personal and regional services are becoming increasingly important. These " CA (Context-Aware) "mobile phones are used at low power with suitable short range base stations, such as shopping malls, to provide location-specific information. This information may include local maps, information about shops and restaurants, and so on. This information is often sent free of charge, but it may be that the user is paying for the data services (e.g., updating the sports score, downloading new ringing tone of the mobile phone). The payment for such goods and services may be made by conventional methods such as sending a check or credit card authorization, or by tele-banking or direct debit arrangements, It has been recognized that an automated payment system may be beneficial.
As described above, there is a growing interest in Fin-Tech technology in accordance with the development and dissemination of mobile communication technology. PinTech is a payment system that integrates financial companies and IT companies. It enables payment by mobile device without cash or card.
Meanwhile, with the expansion of the network infrastructure, the spread of the Internet, and the development of mobile communication technology, modern people can access communication services through their portable terminals, for example, mobile devices anytime and anywhere. In addition, interactive services are widely spread based on such communication services. The interactive service means a service type capable of bi-directional data transmission in the conventional unidirectional data transmission. In order to provide such an interactive service, an interactive access point (AP) for transmitting a beacon signal and a terminal for receiving such a beacon signal, The terminal is essential.
Also, in order to provide convenience and useful information to the user of mobile terminal, development of a technology combining the above-mentioned PinTech technology and beacon-based interactive service is proceeding.
The present invention provides a beacon-based portable payment terminal device capable of executing a payment processing device in a mobile terminal based on a beacon signal, and a payment service providing method using the same.
Also, the present invention provides a beacon-based portable payment terminal device capable of making payment through interlocking with an integrated platform or a card company server interlocked with a payment processing device of a mobile terminal, and a payment service providing method using the same.
The present invention provides a beacon-based portable payment terminal device capable of executing a payment processing device in a plurality of mobile terminals through broadcasting of a beacon signal and allowing a plurality of users to proceed payment, and a payment service providing method using the same.
It is to be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.
According to an aspect of the present invention, there is provided a beacon-based handheld payment terminal device including an integrated platform, a card issuer server, and a mobile terminal capable of settlement services based on a charge amount charged by a user, A communication unit for providing an interface for communication with the integrated platform and the card company server and an interface for short range wireless communication with the mobile terminal, A beacon signal generation unit for generating a beacon signal for executing the payment processing apparatus and broadcasting the beacon signal through the communication unit; and a transmission unit for transmitting settlement related information and the response signal to the mobile terminal Generate frame data based on information of To the mobile terminal that has transmitted the response signal through the communication unit; and a control unit for, when receiving the payment request information from the mobile terminal in response to the frame data, A settlement request unit for requesting settlement processing in cooperation with an external card company server connected to the integrated platform or the wireless network; and a settlement unit for receiving a result message corresponding to the response as a response to the settlement processing request is received from the integrated platform or the card company server And transmitting the response signal to the mobile terminal that has transmitted the response signal through the communication unit.
According to the embodiment of the present invention, the payment requester transmits user information of the mobile terminal that has transmitted the payment request information to the integrated platform or card company server upon receipt of the payment request information, requests authentication of the user, And requests the settlement processing based on a response to the request.
According to an embodiment of the present invention, the portable payment terminal apparatus further includes a driver for turning on or off the operation of the beacon signal generator.
According to an embodiment of the present invention, the portable payment terminal apparatus further includes an input unit for providing an interface capable of inputting at least two pieces of user information for receiving the beacon signal, Related information for the user information, and generates frame data of the user information related to the settlement-related information corresponding to the user information as the destination address for each user information, and broadcasts the frame data through the communication unit.
According to an embodiment of the present invention, the frame data generation unit provides a selection window for selecting at least one of information of the mobile terminal that has transmitted the response signal when at least two response signals for the beacon signal are received And generates frame data using the mobile information selected through the selection window.
According to another aspect of the present invention, there is provided a billing service providing method using a beacon-based portable billing terminal apparatus, including: an integrated platform capable of billing services based on a charged amount charged by a user; A method of providing a payment service using a beacon-based portable payment terminal connected to a card issuer server and a mobile terminal, the method comprising: generating a beacon signal for executing a payment processing apparatus in the mobile terminal and broadcasting the beacon signal; Generating frame data on the basis of the settlement related information and the information of the mobile terminal that has transmitted the response signal and transmitting the generated frame data to the mobile terminal that has transmitted the response signal; In response to the request from the mobile terminal Requesting a settlement processing in cooperation with an external card company server connected to the integrated platform or the wireless network based on the received settlement request information when the settlement information is received; Generating a result message corresponding to the response as it is received from the card issuer server, and transmitting the result message to the mobile terminal that has transmitted the response signal through the communication unit.
According to an embodiment of the present invention, the step of requesting the payment processing includes transmitting user information of the mobile terminal that has transmitted the payment request information to the integrated platform or the card company server upon receipt of the payment request information, And requesting the integrated platform or the card company server for the settlement processing according to a response to the authentication request.
According to an embodiment of the present invention, the payment service providing method further includes providing an interface capable of inputting at least two pieces of user information for receiving the beacon signal, and after generating the frame data, Transmitting the signal to the mobile terminal that has transmitted the message, generating payment related information for each of the user information, transmitting frame information including the payment related information corresponding to the user information to the destination address, And then broadcasts the generated data.
According to an embodiment of the present invention, the step of generating the frame data and transmitting the frame data to the mobile terminal that has transmitted the response signal may include transmitting the beacon signal to the mobile terminal The method comprising: providing a selection window for selecting at least one of information of the terminal; and generating frame data using the mobile information selected through the selection window.
The above-described task solution is merely exemplary and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and the detailed description of the invention.
According to any one of the above-mentioned tasks, a payment processing apparatus in the mobile terminal is executed based on a beacon signal, so that the user can receive a payment service using only the mobile terminal.
In addition, according to any one of the above-mentioned objects of the present invention, the settlement proceeds through interlocking with the integrated platform or the card company server interlocked with the settlement processing device of the mobile terminal, The convenience of the user can be improved.
According to any one of the above-mentioned objects of the present invention, settlement can be simplified by executing a settlement processing apparatus automatically by using a beacon signal and proceeding settlement.
1 is a diagram illustrating a network environment in which a billing service is applied to a portable billing terminal apparatus according to an embodiment of the present invention.
2 is a block diagram showing an internal configuration of a portable payment terminal device according to an embodiment of the present invention.
3 is a flowchart schematically illustrating a process of providing a payment service using a portable payment terminal device according to an embodiment of the present invention.
4 is a flowchart illustrating a payment service providing process of the portable payment terminal according to an exemplary embodiment of the present invention.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.
Throughout the specification of the present invention, when a part is referred to as "including " an element, it is understood that it may include other elements as well, without excluding other elements unless specifically stated otherwise.
The terms "about "," substantially ", etc. used to the extent that they are used throughout the present disclosure are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "used in the specification of the present invention does not mean" step for.
In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware. In the present description, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
FIG. 1 is a diagram illustrating a network environment in which a portable payment terminal device according to an embodiment of the present invention is applied to provide a payment service, and is a network configuration diagram of an integrated platform capable of providing a cash service. A portable
The
In addition, the
Meanwhile, the
The
In addition, the
The
The integrated
Meanwhile, the integrated
In addition, the integrated
Meanwhile, the database 160 stores user information, charge amount, and the like subscribed to the
Meanwhile, the database 160 may be included in the
The portable
The portable
The detailed configuration of the portable
2 is a block diagram showing an internal configuration of a portable
2, the portable
The driving
The
The
The
The
When the response signal corresponding to the beacon signal is received from the
In the embodiment of the present invention, the payment related information may be a payment amount, a payment date, and merchant information input through the
Upon receipt of the frame data, the
The
The payment
Meanwhile, when the payment request information is received, the
The
Accordingly, the beacon
The frame
Meanwhile, in the embodiment of the present invention, when at least two response signals are received after broadcasting the beacon signal, the frame
A process of providing a payment service using the portable
3 is a flowchart schematically illustrating a process of providing a payment service using the portable
3, the method of operation includes an
Each step of the above-described operation method will be described in detail with reference to FIG.
4 is a flowchart illustrating a payment service providing process of the portable
4, the portable
Then, the portable
As a result of the determination in
Thereafter, the portable
As a result of the determination in
Thereafter, the portable
As a result of the determination in
In the above-described embodiment of the present invention, the process of making a payment through communication with one
When the portable
On the other hand, the payment service providing method as described above can also be implemented in the form of a recording medium including instructions executable by a computer such as a program module executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.
It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.
The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.
100: Payment processing device
120: mobile terminal
140: Integrated Platform
150: Database
160: Card issuer server
200: portable payment terminal device
210:
220:
230: Input unit
240: Beacon signal generator
250: frame data generation unit
260:
270:
Claims (10)
An interface for communication with the integrated platform and the card company server, and an interface for short-range wireless communication with the mobile terminal;
A beacon signal generator for generating a beacon signal for executing the payment processing device in the mobile terminal and broadcasting the beacon signal through the communication unit;
A driver for turning on or off the operation of the beacon signal generator;
An input unit for providing an interface for inputting at least two pieces of user information for receiving the beacon signal;
When receiving a response signal for the beacon signal, generates frame data using payment related information including information of the mobile terminal that transmitted the response signal, payment amount, and merchant point information set in the portable payment terminal, Related information for each of the user information according to the input of the at least two pieces of user information, and transmits the user information to a destination address corresponding to the user information And transmits the beacon signal through the communication unit. When at least two response signals for the beacon signal are received, the information of the mobile terminal that transmitted the response signal At least one can choose A frame data generation unit for providing a selection window and generating and broadcasting frame data using information of a mobile terminal selected through the selection window;
And requesting payment processing in cooperation with a card company server connected to the integrated platform or the wireless network based on the received payment request information when the payment request information is received from the mobile terminal in response to the frame data, The mobile terminal transmits the user information of the mobile terminal that has transmitted the payment request information to the integrated platform or the card company server to request authentication of the user and then requests the payment processing based on the response to the request, Wow,
A settlement result generation unit for generating a result message corresponding to the response as the response to the settlement processing request is received from the integrated platform or card company server and transmitting the result message to the mobile terminal that has transmitted the response signal through the communication unit ≪ / RTI &
The payment processing device in the mobile terminal that has received the frame data provides an interface for displaying settlement related information on the display unit of the mobile terminal and selecting a payment method, And transmits the generated information to the portable payment terminal device.
Generating a beacon signal for executing the payment processing apparatus in the mobile terminal, and broadcasting the beacon signal;
When receiving a response signal to the beacon signal, generates frame data using payment related information including information of the mobile terminal that transmitted the response signal, payment amount, and merchant point information set in the portable payment terminal, Transmitting a response signal to the transmitting mobile terminal;
And requesting payment processing in cooperation with a card company server connected to the integrated platform or the wireless network based on the received payment request information when the payment request information is received from the mobile terminal in response to the frame data, Requesting authentication of a user by transmitting user information of a mobile terminal that has transmitted the payment request information to the integrated platform or card company server and requesting the payment processing based on a response to the request;
Generating a response message corresponding to the response as the response to the payment processing request is received from the integrated platform or the card company server, and transmitting the result message to the mobile terminal that has transmitted the response signal;
Wherein the payment processing device in the mobile terminal receiving the frame data provides an interface through which the payment related information can be displayed on the display unit of the mobile terminal and can be selected through a payment method selected through the interface, Transmits the request information to the portable payment terminal device after generating the request information,
The payment service providing method includes:
Further comprising the step of providing an interface capable of inputting at least two pieces of user information to receive the beacon signal before performing the broadcasting step,
The transmitting of the response signal to the transmitting mobile terminal comprises:
Related information for each of the user information according to the input of the at least two pieces of user information, frame data including the settlement related information corresponding to the user information as the destination address, And providing a selection window for selecting at least one of information of a mobile terminal that broadcasts the beacon signal or transmits the response signal when at least two response signals for the beacon signal are received, And generating and broadcasting frame data using the information of the selected mobile terminal.
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KR1020150099013A KR101813609B1 (en) | 2015-07-13 | 2015-07-13 | Portable payment terminal apparatus based on beacon and method for servcing payment using the same |
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KR1020150099013A KR101813609B1 (en) | 2015-07-13 | 2015-07-13 | Portable payment terminal apparatus based on beacon and method for servcing payment using the same |
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WO2015102456A1 (en) * | 2014-01-06 | 2015-07-09 | 에스케이플래닛 주식회사 | Service provision method using beacon apparatus, and system and apparatus for same |
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WO2015102456A1 (en) * | 2014-01-06 | 2015-07-09 | 에스케이플래닛 주식회사 | Service provision method using beacon apparatus, and system and apparatus for same |
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