KR101834365B1 - Service providing system and method for payment based on electronic tag - Google Patents

Abstract

The present invention relates to an electronic tag based payment service providing system and a method thereof. More specifically, the method determines whether a payment related application for a user terminal is installed based on user identification information through recognition of an electronic tag and transmits a push message for executing the payment application to the user terminal having a related application installed therein so as to enable simple payment through a corresponding payment related application. According to the present invention, the payment application is automatically executed by only allowing a user to enable an electronic tag to be recognized wherein the user has the electronic tag separately from the user terminal, thereby enabling and supporting convenient payment to increase user convenience.

Description

[0001] SYSTEM AND METHOD FOR PROVIDING ELECTRONIC TAG-BASED PAYMENT SERVICE [0002]

The present invention relates to a system and method for providing an electronic tag-based payment service, and more particularly, to a system and method for providing an electronic tag-based payment service by determining whether a payment related application for a user terminal is installed based on user identification information through recognition of an electronic tag, The present invention relates to an electronic tag-based payment service providing system and method for transmitting a push message for executing a payment application to a user terminal and supporting a simple settlement through a corresponding payment related application.

In recent years, various applications for improving the convenience of settlement have been provided along with the development of smart phones. Such applications are executed in a smart phone and load a card registered in advance for use in payment and input a password corresponding to the card It supports automatic payment.

However, since the existing payment-related applications are mainly configured to support simple settlement for online settlement, an additional configuration is required for users to visit the offline merchant and process the offline settlement, which complicates the settlement procedure. Therefore, There is an inconvenience.

In order to solve this problem, a payment system using an electronic tag such as an NFC tag is recently emerging. Such a payment system generates settlement card related information through recognition of an electronic tag configured in a user terminal at an affiliate terminal equipped with a tag reader using the electronic tag, and processes payment through communication with a payment server. It can support easy offline settlement, which greatly enhances ease of use.

However, such a payment system also requires the user to recognize the electronic tag to the merchant terminal equipped with the tag reader after the user executes the payment application for payment using the electronic tag through the user terminal. Therefore, There is an inconvenience that a payment application for executing the payment application must be executed in advance.

In addition, since a terminal supporting such a payment system is defined, a user using a terminal that does not support the payment system can not use such a payment system.

In addition, the existing payment system executes settlement without a separate authentication procedure for the user terminal corresponding to the user of the electronic tag, so that when the user loses the electronic tag or if the electronic tag is falsified, There is a risk that payment security is poor.

Accordingly, it is possible to improve the inconvenience of previously executing the payment application before the settlement and simplify the settlement procedure to enhance the settlement convenience, and at the same time, to support payment using the electronic tag for all the different types of terminals And it is required to develop a payment system that supports safe payment in a payment process using an electronic tag.

Korean Patent Publication No. 10-2008-0043048

In order to solve the problems described above, the present invention provides a payment application which is automatically executed by only recognizing an electronic tag to a merchant terminal without manually executing a payment application at the time of settlement using an electronic tag, So that the convenience of settlement can be greatly improved.

In addition, the present invention enables authentication to be performed for a user terminal on which a payment application at the time of settlement using an electronic tag is performed, so that secure settlement can be made and the authentication process can be easily performed even when short- It is aimed at enhancing payment security.

In addition, the present invention has an object to increase settlement security by issuing tokens for settlement so that settlement can be made.

An electronic tag-based payment service providing system according to an embodiment of the present invention includes an electronic tag for providing a telephone number of a user terminal in a field communication of an electromagnetic field system, A user terminal configured to generate payment information related to a payment means for use in payment and to store the payment means information or to transmit the payment means information to a predetermined payment server; A charging agent terminal for generating user identification information including the received phone number of the user terminal, generating payment information for payment details and transmitting the payment information to the payment server together with the user identification information, And when the payment information is received, Determines whether the payment application is installed in the user terminal based on the telephone number included in the beam, and transmits a push message to the user terminal to execute the payment application in the user terminal when the payment application is installed , A settlement process is performed based on the payment means information and the payment information stored in advance upon receipt of payment approval information corresponding to the push message from the user terminal on which the payment application is executed by the push message And a payment server, wherein the payment server issues a token available for a predetermined period of time at the request of the user terminal and provides the token to the payment application of the user terminal, Receiving the token together with the token, and processing the payment when the token is valid, storing the received member information according to the membership through the payment application, and storing the previously stored member information in the user identification information Determining whether a user corresponding to the user terminal is to be registered, comparing the registered telephone number with the received telephone number, and determining whether the payment application is installed according to whether the member is a member, Tag to the merchant terminal.

As an example related to the present invention, the payment application divides the token into first and second information, and stores the second information in the electronic tag through short-range wireless communication with the electronic tag through the user terminal And transmits the first information to the payment server via the user terminal instead of the token when executed by the push message, and the merchant terminal transmits the first information to the payment server through the short- Transmits the generated second information to the payment server through the merchant terminal, and the payment server generates a token based on the first information received from the user terminal and the second information received from the merchant terminal The validity of the token may be determined and, if valid, the payment processing may be performed.

In an embodiment of the present invention, the payment server transmits payment information including payment information to the payment server, the payment application displays settlement information according to the push message through the user terminal, And transmits the payment approval information to the payment server when the payment is approved based on the input.

In an exemplary embodiment of the present invention, the payment application transmits user position information on the current position of the user terminal to the payment server when the payment approval information is transmitted, and the payment server includes the payment information received from the merchant terminal The merchant position is identified based on the merchant information, and the payment is processed only when the user location information and the merchant location are within a predetermined error range.

In an embodiment of the present invention, the electronic tag records and stores payment time information for the payment attempt time in a payment attempt according to short-range wireless communication with the merchant terminal, and stores the payment time information together with the user identification information The settlement server transmits the settlement time information to the merchant terminal, the settlement server matching and storing the settlement information received from the merchant terminal with the user identification information and storing the existing settlement time corresponding to the user identification information When the settlement history information including the settlement history information is received, it is determined whether the electronic tag is matched by comparing the settlement attempt time according to the existing settlement information stored in advance and matching the user identification information with the settlement attempt time according to the settlement history information, The settlement processing is performed only when the settlement processing is performed.

As an example related to the present invention, the electronic tag may be configured in the user terminal.

A method of providing an electronic tag-based payment service according to an exemplary embodiment of the present invention includes the steps of: a user terminal communicating with an electronic tag to record a telephone number corresponding to the user terminal in the electronic tag; The method comprising the steps of: issuing a token available for a predetermined period of time and providing the token to a payment application of the user terminal; and generating user identification information including a telephone number of the user terminal through short- A step of generating payment information for settlement details and transmitting the settlement information to a payment server previously set together with the user identification information; and a step of, when the payment server receives the user identification information and the payment information, The user terminal is compared with the previously stored member information Determining whether or not a corresponding user is a member and determining whether a payment application is installed in the user terminal according to whether the member is a member; and if the payment server is installed in the user terminal, Transmitting a push message for executing the payment application to the user terminal in response to the push message; generating a payment approval information corresponding to the push message by the user terminal executing the payment application according to the push message, And transmitting the payment approval information and the payment information of the user stored in the payment approval information to the payment server when the payment approval information and the token are valid, Foundation It may comprise the step of the payment processing.

The present invention can improve the convenience of users because the payment application can be automatically executed only by recognizing the electronic tag held by the user separately from the user terminal, thereby facilitating settlement through the automatic execution of the payment application.

In addition, the present invention has an effect of enhancing settlement security by allowing a user terminal corresponding to an electronic tag to authenticate a user terminal whose short-range wireless communication is deactivated to perform settlement.

In addition, the present invention can increase the security of payment by issuing a token usable for a limited period of time to a specific user terminal and performing user authentication for payment through the corresponding token, as well as dividing the token into a plurality of pieces of information And the payment server collects the information constituting the corresponding token so as to perform the user authentication, so that even if some information of the token is leaked from the user terminal or the electronic tag, It can be prevented in advance, thereby providing a higher settlement security.

In addition, the present invention can confirm whether the electronic tag of the user is correct through comparison of the existing settlement history, and it is possible to easily prevent the counterfeiting such as unauthorized copying of the electronic tag by the unauthorized person.

1 is a configuration diagram of an electronic tag-based payment service providing system according to an embodiment of the present invention;
BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an electronic tag based payment service providing system, and more particularly,
3 is a diagram illustrating an operation example of a payment processing method of an electronic tag-based payment service providing system according to an embodiment of the present invention.
FIGS. 4 to 5 are diagrams illustrating an operation example of an authentication process for a user terminal using sound wave communication in an electronic tag-based payment service providing system according to an embodiment of the present invention; FIG.
FIG. 6 illustrates an operation example of an authentication process for a user terminal based on a beacon signal in an electronic tag-based payment service providing system according to an embodiment of the present invention; FIG.
FIG. 7 to FIG. 8 are diagrams illustrating an operation example of providing settlement security in an electronic tag-based payment service providing system according to an embodiment of the present invention;
FIG. 9 to FIG. 10 illustrate an operation example of electronic tag identification by comparing payment details of an electronic tag-based payment service providing system according to an embodiment of the present invention.
11 is a flowchart illustrating a method of providing an electronic tag-based payment service according to an embodiment of the present invention.

Hereinafter, detailed embodiments of the present invention will be described with reference to the drawings.

1 is a block diagram of an electronic tag-based payment service providing system according to an embodiment of the present invention. As shown in FIG. 1, a user terminal 10 and an electronic tag 20 corresponding to a user, A merchant terminal (30) installed in an affiliated store providing merchandise (including a service), a user terminal (10) and an affiliate shop terminal (30) communicating through a communication network and processing a payment for a product purchased by the user And a payment server 40 that is connected to the Internet.

At this time, various widely known communication methods can be applied to the communication network.

The merchant terminal 30 includes a tag reader unit for recognizing the electronic tag 20 and the electronic tag 20 is connected to the electronic tag 20 through the tag reader unit via short- And can receive and generate information stored in the electronic tag 20.

In addition, the merchant terminal 30 may generate payment information including a payment history for a product purchased by the user, and may transmit the payment information to the payment server 40 together with the information generated according to the recognition of the electronic tag 20 have.

At this time, the telephone number corresponding to the user terminal 10 may be stored in the electronic tag 20. The merchant terminal 30 receives the telephone number through the recognition of the electronic tag 20, User identification information including the telephone number may be generated and transmitted to the payment server 40 together with the payment information.

The electronic tag 20 may be configured separately from the user terminal 10 or may be built in the user terminal 10 and the electronic tag 20 may be configured in the user terminal 10 The electronic tag 20 and the user terminal 10 can be connected to each other by wire communication.

In addition, the payment server 40 may include a user interface (not shown) for providing a simple settlement through communication with a payment application (application or App) installed in the user terminal 10, The user terminal 10 can receive and store the generated membership information.

At this time, the payment application generates payment means information for a payment means the user wants to use for payment based on user input through the member subscription interface, stores the payment means information in the storage unit of the user terminal 10, Information may be transmitted to the payment server 40 through the user terminal 10 and the payment server 40 may store the payment information in the member information.

Accordingly, the payment server 40 compares the telephone number included in the user identification information received from the merchant terminal 30 with the previously stored member information to determine whether the user is a member of the user terminal 10 And determine whether the payment application for the user terminal 10 is installed according to whether the member is a member.

The payment server 40 may transmit a push message for executing the payment application in the user terminal 10 when the payment application is installed in the user terminal 10. [

Accordingly, when the user terminal 10 displays the push message and executes a payment application corresponding to the push message according to a user input, the payment application displays the push message in response to a user input through the user terminal 10. [ The payment information corresponding to the push message can be displayed and the payment approval information for approval or disapproval of the payment information corresponding to the push message can be generated according to user input and transmitted to the payment server 40. [

At this time, the payment approval information may include payment means information stored in the user terminal 10 in advance.

Accordingly, the payment server 40 can perform payment processing based on the payment means information and payment information corresponding to the payment approval information when receiving the payment approval information from the user terminal 10. [

The merchant terminal 30 can authenticate the user terminal 10 corresponding to the user of the electronic tag 20 at the time of recognizing the electronic tag 20, It is difficult to perform authentication for the user terminal 10 when the near field communication function such as Near Field Communication (NFC), Bluetooth, or Wireless Fidelity (WIFI) of the mobile terminal 10 is inactivated.

The merchant terminal 30 generates a predetermined request message for authenticating the user terminal 10 when recognizing the electronic tag 20 and transmits the user ID 10 generated through the recognition of the electronic tag 20 Based on the telephone number of the user terminal 10 included in the information, transmits the request message to the user terminal 10 through the sound wave communication using the sound output unit configured in the merchant terminal 30. [

The payment application configured in the user terminal 10 receives a request message transmitted from the merchant terminal 30 through the sound input unit of the user terminal 10 through the sound wave communication, When receiving the same request message as the set request message, generates the terminal identification information including the telephone number of the user terminal 10 in response to the request message, and transmits the terminal identification information to the user terminal 10 using the sound output unit, And transmits the terminal identification information to the merchant terminal 30 through the network.

Accordingly, the merchant terminal 30 receives the terminal identification information transmitted from the user terminal 10 through the sound wave communication through the sound input unit of the merchant terminal 30, It can be compared with the user identification information. If the terminal identification information and the user identification information coincide with each other, it is determined that the user authentication of the user terminal 10 is successful. The payment information including the generated payment details may be transmitted to the payment server 40 together with the information generated according to the recognition of the electronic tag 20 so that the settlement processing according to the above-described configuration can be performed.

At this time, the information transmitted through the sound wave communication may be a sound wave signal, and the sound output unit constituted in each of the merchant terminal 30 and the user terminal 10 is constituted by a speaker, ≪ / RTI >

The merchant terminal 30 communicates with the user terminal 10 through the sound wave communication to transmit the electronic tag 20 even when the communication setting for the local wireless communication of the user terminal 10 is inactivated through the above- The user terminal 10 authenticates the user by performing authentication corresponding to the corresponding electronic tag 20 according to the tag recognition of the electronic tag 20 and simultaneously transmits a push message to the authenticated user terminal 10, 20) by counterfeiting or unauthorized use can be prevented, thereby enhancing settlement security.

At this time, the electronic tag 20 described in the present invention may include an NFC (Near Field Communication) tag or an RFID (Radio Frequency Identification) tag. However, the present invention is not limited to this and a wireless tag using various short- It is needless to say that it can be used as the electronic tag 20.

Also, the electronic tag 20 supports MST (Magnetic Secure Transmission), and can transmit information to the merchant terminal 30 in an MST method.

The user terminal 10 may be a smart phone having a communication function, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a tablet PC Such as a PC, an ultrabook, a wearable device (e.g., a smartwatch, a glass-based terminal, etc.), a flexible terminal, have.

In addition, the user terminal 10 or the merchant terminal 30 may include a short range wireless communication unit for supporting short range wireless communication, a wireless communication unit for supporting a communication method other than short range wireless communication (for example, 3G (generation) Such as the user terminal 10 or the merchant terminal 30 such as an input unit (including an acoustic input unit), a GPS (Global Positioning System) unit, a sensor unit, a storage unit, a display unit, an output unit (including an audio output unit) The payment application described in the present invention may be configured by the data stored in the storage unit of the user terminal 10 or the control unit, It is possible to perform various operations described in the present invention based on the related data.

At this time, the merchant terminal 30 may further include the tag reader unit.

In addition, the payment application may operate in the background in the user terminal 10 (executed) to generate and transmit the terminal identification information corresponding to the request message received through the sound wave communication, Upon receiving a message, the push message may be executed based on a user input or may be automatically executed to perform the payment process.

As described above, the electronic tag 20-based payment service providing system according to the embodiment of the present invention can be applied to an electronic tag 20 configured by a user separately from the user terminal 10 or configured inside the user terminal 10 Since the payment application is automatically executed in the user terminal 10 only by recognizing the payment transaction, it is not necessary to execute the payment application in advance before payment, so that payment can be conveniently performed. ) Can be supported so that high compatibility and scalability can be provided.

In addition, the present invention performs authentication for the user using the sound wave communication, so that the user terminal 10 authenticated by the sound wave communication is also authenticated to the user terminal 10 whose short range wireless communication related setting is set to be inactive, So that settlement security can be enhanced.

The detailed operation of the payment service providing system using the electronic tag 20 according to the embodiment of the present invention will be described with reference to the following drawings.

FIG. 2 is an exemplary diagram illustrating an operation for installing a payment application and joining a membership of a user terminal 10 in a payment service providing system using the electronic tag 20 according to an embodiment of the present invention. Referring to FIGS. 1 and 2, The user terminal 10 can access the app store server 50 that provides application related data through a communication network and receive and store data related to the payment application for communication with the payment server 40. [

In addition, the user terminal 10 may load the stored payment application related data and execute a payment application, and the payment application may provide a membership interface for membership through the user terminal 10 when the payment application is executed have.

Here, the payment application may be executed by the control unit of the user terminal 10, and various operations of the payment application according to the execution of the payment application described in the present invention may be performed by the control unit of the user terminal 10, It may mean to control each component of the user terminal 10 such as a local wireless communication unit, a wireless communication unit, a storage unit, and a display unit of the user terminal 10 using data.

The control unit of the user terminal 10 may include a central processing unit (CPU), a microcontroller unit (MCU), and the like. The local wireless communication unit of the user terminal 10 supports short- The communication unit may support various communication methods except for the short-range communication. The storage unit of the user terminal 10 may be a memory for storing the application-related data, and the display unit of the user terminal 10 may store various information Can be displayed.

According to the above-described configuration, the payment application communicates with the payment server 40 through the user terminal 10, and based on the user input through the membership interface, the telephone number of the user terminal 10, Name information, and the like to the payment server 40.

Accordingly, the payment server 40 can register the member information received from the user terminal 10 in the member DB 41, and the payment server 40 can receive the member information, It can be confirmed that the payment application is installed in the user terminal 10 corresponding to the information.

In the above-described configuration, the payment application may generate payment means information for the payment means that the user wants to use for payment based on user input through the member subscription interface, and may further include the payment means information in the member information, To the server (40).

At this time, the payment means information may include information on either a credit card or a check card.

In addition, the payment application may generate payment means information for a plurality of different payment means and store the same in the user terminal 10, or may register the payment means information in the payment server 40. [

The user terminal 10 may record the telephone number corresponding to the user terminal 10 in the electronic tag 20 through short-range wireless communication with the electronic tag 20 or wire communication.

At this time, the electronic tag 20 supports a read / write function and can store a telephone number received from the user terminal 10. [

FIG. 3 is a diagram illustrating an operation example of a payment processing method of the payment service providing system using the electronic tag 20 according to the embodiment of the present invention. As shown in FIG. 3, the user visits a merchant The merchant terminal 30 recognizes the electronic tag 20 constructed by the user or constructed within the user terminal 10 through the near field wireless communication and transmits the telephone number stored in the electronic tag 20 to the electronic tag 20 20, and generates user identification information including the telephone number. The payment server 40 stores the user identification information, together with payment information for the payment details generated by the user, Lt; / RTI >

At this time, the merchant terminal 30 may generate the payment information according to the input of the manager who manages the merchant.

Thereafter, the payment server 40 searches the member DB 41 based on the telephone number included in the user identification information received from the merchant terminal 30, and determines whether the member information corresponding to the telephone number exists Whether the payment application is installed or not.

At this time, if the payment application is not installed in the user terminal 10, the payment server 40 transmits a push message including a link address for installing the payment application to the user terminal 10, can do.

If the payment application is installed in the user terminal 10, the payment server 40 may transmit a push message to the user terminal 10 in order to execute the payment application in the user terminal 10.

Accordingly, the user terminal 10 can receive and display the push message, and can automatically execute the payment application based on user input using the push message.

Thereafter, when the payment application is executed in the user terminal 10, the payment application can display payment information corresponding to the push message through the user terminal 10, It can also be displayed together with payment information.

At this time, the payment server 40 may transmit the payment message including the payment information or the link address for accessing the payment information in the push message, and the payment application may transmit the payment message including the payment Extracts information or accesses the payment server 40 according to the link address linked to the push message through the user terminal 10, receives payment information corresponding to the push message from the payment server 40, Can be displayed through the user terminal 10.

In addition, the payment application may display payment means information for various payment means stored in advance, or may display payment means information related to various payment means stored in the payment server 40 in correspondence with the user, The selected payment method information can be used for payment.

At this time, the payment means according to the payment means information includes various discount means or payment means usable for settlement of goods purchased at the merchant, such as points, coupons, stamps, or the like, as well as card information such as credit cards and check cards can do.

The payment application can generate payment approval information according to the user's input and receive the payment approval information from the payment server 40. [

At this time, the payment application can transmit the payment means information included in the payment approval information to the payment server 40 when the payment means information is stored in advance in the user terminal 10, If it is stored in the server other than the user terminal 10, the settlement approval information for the selected settlement means may be included in the settlement approval information according to the user selection.

In addition, the payment application may automatically generate the payment approval information and transmit the payment approval information to the payment server 40 when the push message is selected according to a user input of the push message.

In addition, the payment application can encrypt the payment means information according to a preset encryption algorithm.

Then, the payment server 40 transmits payment information corresponding to the payment approval information and payment information received from the merchant terminal 30 when receiving payment approval information from the user terminal 10 in response to the push message And the settlement can be processed by using.

In this case, the payment server 40 may decrypt the encrypted payment means information and process payment when the payment information includes the payment approval information.

Meanwhile, the payment server 40 can process payment by communicating with various payment related servers such as a payment gateway (PG) server 60, a VAN (Value Added Network) server, and the like.

Also, the payment means information may be stored in the PG company server 60, and the payment server 40 may transmit the payment approval information to the PG server 60 based on the payment means identification information for the payment means selected by the user, It is possible to perform settlement processing using the settlement means information corresponding to the settlement means identification information in association with the settlement means 60 via the communication network.

The merchant terminal 30 authenticates the user terminal 10 corresponding to the user of the electronic tag 20 and transmits the information stored in the electronic tag 20 to the user terminal 10 The user terminal 10 can be authenticated according to whether or not the user terminal 10 coincides with the user terminal 10 and the payment made by the authenticated user terminal 10 can be made to increase the settlement security and security. Will be described in detail.

4, the merchant terminal 30 recognizes the electronic tag 20 and receives user identification information including the telephone number of the user terminal 10 from the electronic tag 20 have.

The merchant terminal 30 generates a predetermined request message at the time of recognizing the electronic tag 20 and then transmits the request message from the electronic tag 20 through sound wave communication using the sound output unit configured at the merchant terminal 30. [ The user terminal 10 can transmit the sound wave signal based request message received from the merchant terminal 30 through the sound input unit of the user terminal 10, Lt; / RTI >

At this time, the payment application of the user terminal 10 receives the request message through the user terminal 10, and transmits the predetermined terminal identification information to the user terminal 10 through the sound output unit of the user terminal 10 To the merchant terminal 30 based on the sound wave signal.

In addition, the payment application may generate the terminal identification information including the telephone number of the user terminal 10 upon receiving the request message, and may transmit the terminal identification information to the merchant terminal 30 through the sound wave communication.

In order to avoid confusion between the user terminal 10 and a plurality of different user terminals 10 located adjacent to the user terminal 10, the merchant terminal 30 may transmit the request message according to the user identification information Based on the telephone number of the user terminal 10, can be transmitted through the sound wave communication.

Accordingly, the payment application of the user terminal 10 can decode the encrypted request message based on the telephone number of the predetermined user terminal 10, and transmits the terminal identification information corresponding to the decoded request message So that the merchant terminal 30 can correctly receive the terminal identification information from the user terminal 10 corresponding to the request message.

Similarly, the payment application may also transmit the terminal identification information corresponding to the request message by encrypting the terminal identification information based on the telephone number of the user terminal 10, and the merchant terminal 30 transmits the request message The terminal identification information of the user terminal 10 corresponding to the request message can be correctly identified by decoding the received terminal identification information corresponding to the request message to the telephone number of the user terminal 10 included in the user identification information.

At this time, the request message may include store identification information corresponding to the merchant terminal 30, tag identification information for the electronic tag 20, and the like. The terminal identification information transmitted by the payment application includes user terminal 10 A telephone number of the request message, identification information of the request message, the tag identification information, and the like.

In addition, in the above-described configuration, the merchant terminal 30 transmits the request message based on the tag identification information for the electronic tag 20 included in the user identification information generated according to the recognition of the electronic tag 20 The payment application may decrypt the request message on the basis of the tag identification information for the electronic tag 20 set in advance and transmit the decrypted request message corresponding to the request message, The terminal identification information can be encrypted by the tag identification information and transmitted.

The merchant terminal 30 can identify the terminal identification information corresponding to the request message based on the telephone number or the tag identification information of the user terminal 10 used for decoding the terminal identification information, The terminal identification information corresponding to the request message can be identified based on the telephone number included in the request message.

Meanwhile, the merchant terminal 30 may compare the received terminal identification information with the user identification information corresponding to the request message corresponding to the request message, and compare the telephone number included in the terminal identification information, It is possible to determine whether or not the telephone numbers included in the user identification information coincide with each other, and determine whether or not the authentication of the user terminal 10 is successful according to whether they match.

That is, the merchant terminal 30 can determine that the authentication is successful if the phone numbers included in the terminal identification information and the user identification information are mutually identical.

When the authentication of the user terminal 10 is successful, the merchant terminal 30 may transmit the payment information and the user identification information corresponding to the user terminal 10 to the payment server 40 as described above have.

At this time, the merchant terminal 30 may suspend the settlement process without transmitting the payment information and the user identification information in case of authentication failure of the user terminal 10, The payment application of the user terminal 10 can display the error message through the user terminal 10 upon receiving the error message and transmit the error message to the electronic tag 20 The user can be notified that the recorded telephone number and the telephone number of the user terminal 10 do not coincide with each other.

5, the merchant terminal 30 may transmit a request message to the user terminal 10 through sound wave communication when recognizing the electronic tag 20, The user identification information generated through the recognition and the payment information corresponding to the user can be transmitted to the payment server 40 through the communication network.

The payment application of the user terminal 10 may generate the terminal identification information upon receiving the request message and transmit the terminal identification information to the payment server 40 through the wireless communication unit of the user terminal 10.

The payment server 40 compares the user identification information received from the merchant terminal 30 with the terminal identification information received from the user terminal 10 and transmits the comparison result to the user terminal 10 ) And the telephone number of the user terminal 10 included in the terminal identification information are coincident with each other, whether the authentication of the user terminal 10 is successful or not can be determined.

When the authentication of the user terminal 10 is successful, the payment server 40 determines whether the payment application is installed in the user terminal 10 as described above. Then, the payment server 40 transmits the push message So that the settlement process can be performed.

At this time, the payment server 40 stops the payment process when the authentication of the user terminal 10 fails, and transmits a predetermined error message to the user terminal 10 via the communication network based on the terminal identification information The payment application of the user terminal 10 displays an error message through the user terminal 10 upon receipt of the corresponding error message so that the telephone number recorded in the electronic tag 20 and the telephone number of the user terminal 10 do not match The user terminal 10 can notify that the authentication has failed.

As described above, the present invention performs authentication for the user terminal 10 through sound wave communication using the information about the user terminal 10 recorded in the electronic tag 20 when recognizing the electronic tag 20 Even if the user loses the electronic tag 20 or the electronic tag 20 is falsified and the electronic tag 20 is unauthorizedly used by another person, It is possible to increase the settlement security by blocking the settlement by performing the authentication for the user terminal 10 corresponding to the user terminal 10 and to increase the security of the user terminal 10 by changing the telephone number of the electronic tag 20 and the user terminal 10 10) are not matched so that the settlement can not proceed, the user is notified based on the error message and informs the user that the information stored in the electronic tag 20 needs to be updated (or corrected) The.

6, when the merchant terminal 30 recognizes the electronic tag 20, the merchant terminal 30 transmits the request message to the user terminal 10 through sound wave communication, The payment application of the user terminal 10 can automatically change to the active state when the setting for the short-range wireless communication of the user terminal 10 is in the inactive state.

Also, when the setting for the short-range wireless communication is changed to the active state, the payment application changes the short-range wireless communication unit of the user terminal 10 from the inactive state to the active state to perform short-range wireless communication of the user terminal 10 .

At this time, when the data communication using the wireless communication unit configured in the user terminal 10 is in the inactive state as well as the short-range wireless communication unit in the user terminal 10, the payment application uses the short- And at least one of the communication units may be activated to activate data communication.

The settlement application of the user terminal 10 may transmit the terminal identification information to the merchant terminal 30 or the payment server 40 through short-range wireless communication through the short-range wireless communication unit or data communication through the wireless communication unit, So that the authentication of the user terminal 10 can be performed by the merchant terminal 30 or the payment server 40 as described above.

Meanwhile, the electronic tag 20-based payment service providing system according to the embodiment of the present invention may further include a beacon device 70 located at an affiliated store corresponding to the merchant terminal 30, The billing application of the user terminal 10 may transmit the beacon signal to the user terminal 10 through the short-range wireless communication activated by the request message or the data communication via the data communication based on the beacon signal received through the user terminal 10. [ The terminal identification information is transmitted to the merchant terminal 30 or the payment server 40 to authenticate the user terminal 10 by the merchant terminal 30 or the payment server 40 as described above .

At this time, the beacon signal may include store identification information for a preset merchant and address information for a connection address of the payment server 40. The merchant terminal 30 may transmit the beacon signal to the payment server 40 The store identification information may be included in the information and transmitted.

The payment application of the user terminal 10 may generate store identification information based on the beacon signal and may transmit the store identification information to the payment server 40 together with the terminal identification information. Stores the store identification information included in the payment information received from the merchant terminal 30 and the store identification information received from the user terminal 10 corresponding to the user identification information received together with the payment information, (Or authentication to the user terminal 10) using the store identification information and the telephone number of the user terminal 10, it is possible to process the payment according to the payment information have.

Accordingly, the payment server 40 determines whether the user terminal 10 is located in the store of the merchant corresponding to the merchant terminal 30 and performs normal payment according to the comparison of the store identification information, It is possible to enhance the settlement security.

Meanwhile, the payment service providing system using the electronic tag 20 according to the embodiment of the present invention can support the security of the settlement process, which will be described in detail with reference to FIG.

7, the payment application executed in the user terminal 10 may request issuance of an available token (token) for a limited period (for a preset period) to the payment server 40, The payment server 40 may issue and transmit an available token to the user terminal 10 for a limited period of time according to the request.

At this time, the payment server 40 may transmit the token to the user terminal 10 by encrypting the token.

The payment server 40 receives the user identification information including the telephone number corresponding to the user terminal 10 and the payment information through the recognition of the electronic tag 20 from the merchant terminal 30, The user terminal 10 can transmit a push message.

At this time, the payment server 40 may transmit the push message when the authentication of the user terminal 10 is successful according to the above-described description.

In addition, the user terminal 10 executes a payment application according to a user input for the push message upon receiving a push message, and the payment application generates payment approval information immediately upon execution and transmits the payment approval information to the payment server 40 The payment approval information may be generated according to user input and transmitted to the payment server 40. At this time, the token stored in the user terminal 10 may be extracted from the payment server 40, To the payment server (40).

Accordingly, the payment server 40 decrypts the token received together with the payment approval information, checks the validity period corresponding to the token, determines that the token is valid when the validity period is within the validity period, Based on the payment information and the payment means information.

At this time, the payment server 40 may determine that the payment has failed if the token is invalid, and may transmit the result information of the payment failure to the user terminal 10. [

In the above-described configuration, the user terminal 10 can execute the payment application in the background without any additional user input upon receiving the push message from the payment server 40, and the payment application can be executed in the background execution state The payment approval information and the pre-stored token may be directly transmitted to the payment server 40 through the user terminal 10 without further user input.

Accordingly, the user terminal 10 can send the settlement related information to the settlement server 40 without any additional user input, so that the settlement processing can be performed, thereby improving user convenience.

In addition, according to the above-described configuration, the user terminal 10 can automatically execute a payment application at the same time as receiving the push message to support a payment procedure conveniently.

In addition to the above-described configuration, the present invention can enhance the security of the token to support safer settlement, which will be described in detail with reference to FIG.

As shown in FIG. 8, the payment application of the user terminal 10 may divide the token issued from the payment server 40 into first information and second information, To the electronic tag 20 through short-range wireless communication or wire communication between the electronic tag 10 and the electronic tag 20.

Also, the payment application may store the first information in the user terminal 10 and delete the second information.

Accordingly, the merchant terminal 30 can generate the user identification information including the telephone number and the second information through the recognition of the electronic tag 20, and transmits the user identification information and the payment information to the payment To the server (40).

At this time, the merchant terminal 30 may transmit the user identification information and payment information to the payment server 40 when the authentication of the user terminal 10 is successful.

Meanwhile, the payment server 40 may transmit a push message for executing a payment application to the user terminal 10 installed in the payment application when receiving the user identification information and payment information.

At this time, the payment server 40 may transmit the push message when authentication of the user terminal 10 is successful.

Thereafter, the payment application executed by the push message in the user terminal 10 may transmit the first information and the payment approval information to the payment server 10 via the user terminal 10 at the time of payment approval or execution by the user, (40).

The payment server 40 generates a token issued to the user terminal 10 using the first information received from the user terminal 10 and the second information received from the merchant terminal 30 And if it is valid, payment processing can be performed using payment means information and payment information corresponding to the payment approval information.

At this time, the first information and the second information may be encrypted by the payment application and decrypted by the payment server 40.

As described above, the present invention can increase the security of payment by issuing a token usable for a limited period of time in correspondence with a specific user terminal 10 to perform user authentication for settlement, as well as to divide the token into a plurality of pieces of information The user terminal 10 or the electronic tag 20 stores a part of the token in the electronic tag 20 and collects the information constituting the token in the payment server 40 so as to perform user authentication, Even if some information is leaked, the token can be prevented from being stolen in advance, thereby providing higher settlement security.

Meanwhile, according to the present invention, even when the unauthorized person reads the information of the electronic tag 20 and generates the same copy tag as the electronic tag 20 to falsify the electronic tag 20, the use of the falsified electronic tag 20 Thereby assuring the stability of the electronic tag 20. This will be described in detail with reference to FIGS. 9 to 10. FIG.

9, the electronic tag 20 supports a read / write function and records a payment attempt time for tag recognition time at each tag recognition according to short-range wireless communication with the merchant terminal 30 .

For example, the electronic tag 20 can generate and store the first payment time information for the payment attempt time when the electronic tag 20 is first recognized by short-range wireless communication with the merchant terminal 30.

Further, the merchant terminal 30 can generate the first payment information in association with the first recognition.

At this time, all the payment information generated by the merchant terminal 30 may include time information on the tag recognition time point. That is, the first payment information may include information about the same time as the first payment time information.

The payment server 40 may receive the first payment information and the user identification information from the merchant terminal 30 and store the same in the payment history DB 42. [

10, when the second recognition is performed by the same merchant terminal 30 or another merchant terminal 30 after the first recognition (first recognition) for the electronic tag 20, The terminal 30 can receive from the electronic tag 20 all information stored (recorded) in the electronic tag 20 during the secondary recognition. For example, the merchant terminal 30 can receive the secondary identification The electronic tag 20 can receive the telephone number stored in the electronic tag 20 and the first payment time information.

Then, the merchant terminal 30 generates payment history information including the first payment time information, generates user identification information including the telephone number, and stores the payment history information, user identification information, It is possible to generate the corresponding second payment information.

At this time, the second payment information may include information on a payment attempt time (tag recognition time) according to the secondary recognition of the electronic tag 20, and the electronic tag 20 may include information on the merchant terminal 30 (At the time of tag recognition), the second payment time information including the same time as the payment attempt time according to the secondary recognition can be generated and stored.

Accordingly, the payment server 40 searches the payment history DB 42 based on the telephone number included in the user identification information received from the merchant terminal 30, The first payment information may be checked and the first payment information may be compared with the payment history information received from the merchant terminal 30 to confirm whether the payment attempt times according to the existing payment details coincide with each other.

In other words, the payment server 40 determines whether or not the electronic tag 20 used for settlement coincides with the currently used electronic tag 20, By comparing the time and the payment attempt time included in the previously stored payment information matched with the user identification information corresponding to the corresponding electronic tag 20

Accordingly, when the payment attempt time for the existing payment stored in the electronic tag 20 matches the payment attempt time for the existing payment stored in advance in the payment server 40, the payment server 40 transmits the normal electronic tag 20 ), It is possible to proceed with the settlement processing procedure, and if it does not match, it can be recognized as a forged tag and the payment processing can be stopped.

Further, in the above-described configuration, when the merchant terminal 30 thirdly recognizes the electronic tag 20 for another settlement after the second recognition, the merchant terminal 30 generates payment history information including the first and second payment time information And the payment server 40 may transmit the settlement attempt time of each settlement according to the first and second settlement information stored in the settlement history DB 42 in correspondence with the user identification information, It is possible to judge whether or not the payment attempt times according to the settlement history information are compared with each other, and if they match, the settlement process can be performed only.

As described above, the payment server 40 and the electronic tag 20 record the payment attempt time (tag recognition time) in accordance with the tag recognition, and the payment server 40 stores the payment attempt time By comparing the payment attempt time stored in the electronic tag 20 of the user with the payment attempt time stored in the electronic tag 20 of the user, whether or not the electronic tag 20 of the user is correct.

As described above, according to the present invention, it is possible to confirm whether the electronic tag 20 of the user is correct or not by comparing the existing settlement details, and it is possible to easily prevent forgery such as unauthorized copying of the electronic tag 20 have.

In addition to the above-described configuration, the payment application can transmit the user location information on the current location of the user terminal 10 to the payment server 40 together with the payment approval information.

At this time, the payment application may generate the store identification information based on the beacon signal, and may transmit the store identification information to the payment server 40 as the user location information. Here, the store identification information may include information on the location of an affiliated store corresponding to the store identification information.

Accordingly, the payment server 40 identifies the location of the merchant based on the merchant information included in the payment information received from the merchant terminal 30, and determines the location of the user based on the user location information (or store identification information) And the merchant position are compared with each other and the settlement process can be performed only when the merchant location is within a predetermined error range. Accordingly, it is possible to determine whether the user makes a normal settlement at the merchant store, thereby providing high security for settlement.

FIG. 11 is a flowchart illustrating a method of providing a payment service using the electronic tag 20 according to an embodiment of the present invention. As shown in FIG. 11, the user terminal 10 is connected to the electronic tag 20 through short- A telephone number corresponding to the user terminal 10 can be recorded in the electronic tag 20 (S1).

The merchant terminal 30 recognizes the electronic tag 20 through short-range wireless communication with the electronic tag 20 and recognizes the electronic tag 20 received from the electronic tag 20 according to the recognition of the electronic tag 20 The user identification information including the telephone number of the user terminal 10 can be generated (S2).

The merchant terminal 30 may transmit a request message previously set to the user terminal 10 corresponding to the user identification information to the user terminal 10 through sound wave communication when the electronic tag 20 is recognized (S3).

Accordingly, the payment application of the user terminal 10 generates terminal identification information including the telephone number of the user terminal 10 in response to the request message upon receiving the request message through the user terminal 10 To the merchant terminal 30 through sound wave communication (S4).

The merchant terminal 30 stores the telephone number of the user terminal 10 according to the user identification information generated through the recognition of the electronic tag 20 and the telephone number of the user terminal 10 according to the terminal identification information It is determined that the authentication of the user terminal 10 is successful (S5), and the payment information for the payment details of the user is generated and transmitted to the payment server 40 previously set together with the user identification information (S6).

Then, the payment server 40 compares the telephone number included in the user identification information with the previously stored member information when receiving the user identification information and the payment information, and determines whether the payment application is installed in the user terminal 10 (S7).

Next, the payment server 40 may transmit a push message to the user terminal 10 to execute the payment application in the user terminal 10 when the payment application is installed in the user terminal 10 (step < RTI ID = 0.0 > S8).

When the payment approval information is received (S9) from the user terminal 10 on which the payment application is executed by the push message, the payment server 40 transmits the payment method information of the user corresponding to the payment approval information, The settlement processing can be performed based on the information (S10).

The various devices and components described herein may be implemented by hardware circuitry (e.g., CMOS-based logic circuitry), firmware, software, or a combination thereof. For example, it can be implemented utilizing transistors, logic gates, and electronic circuits in the form of various electrical structures.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

10: user terminal 20: electronic tag
30: Merchant terminal 40: Payment server

Claims (7)

An electronic tag for providing a telephone number of a user terminal as field communication in an electromagnetic field system;
A billing application for communicating with the electronic tag to provide the telephone number to the electronic tag, generating and storing payment means information related to payment means for use in payment, or transmitting the payment means information to a preset payment server A user terminal;
A user terminal identification information including a phone number of the user terminal received through short-distance communication with the electronic tag, generating payment information for payment details, and transmitting the payment information to the payment terminal together with the user identification information, ; And
The method comprising the steps of: determining whether the payment application is installed in the user terminal based on the user identification information and the phone number included in the user identification information when receiving the payment information from the merchant terminal; The pushing message is transmitted to the user terminal in response to the push message from the user terminal in which the payment application is executed by the push message, And a payment server for performing settlement processing on the basis of the payment means information and the payment information,
The payment server
The payment application receives the payment approval information from the user terminal that has executed the payment application, receives the token, and transmits the token to the user terminal, If it is valid,
Storing the received member information according to membership through the payment application, comparing the pre-stored member information with a telephone number included in the user identification information, determining whether a user corresponding to the user terminal is a member, And determine whether the payment application is installed according to whether the member is a member,
The user terminal provides its current telephone number to the merchant terminal through an electronic tag,
Wherein the electronic tag records and stores payment time information for the payment attempt time in a payment attempt according to short-range wireless communication with the merchant terminal, stores the payment time information together with the telephone number of the user terminal in the next payment attempt, To the merchant terminal,
Wherein the payment server matches the payment information received from the merchant terminal with the user identification information and stores the payment information received from the merchant terminal in the payment history information including the existing payment time information corresponding to the user identification information, Wherein the payment processing unit determines whether the electronic tag is matched by comparing a payment attempt time based on previously stored payment information matched with the previously stored payment information and a payment attempt time based on the payment history information, Based payment service providing system.
The method according to claim 1,
The payment application divides the token into first and second information, stores the second information in the electronic tag through short-range wireless communication with the electronic tag through the user terminal, and then deletes the second information And transmitting the first information to the payment server through the user terminal instead of the token when executed by the push message,
The merchant terminal transmits the second information generated through the short-range wireless communication with the electronic tag to the payment server through the merchant terminal,
Wherein the payment server generates a token based on the first information received from the user terminal and the second information received from the merchant terminal, judges the validity of the token, and performs payment processing when the token is valid Payment service delivery system.
The method according to claim 1,
The payment server transmits payment information including the payment information to the push message,
Wherein the payment application displays payment information according to the push message through the user terminal and transmits the payment approval information to the payment server upon payment approval based on user input through the user terminal. Based payment service providing system.
The method according to claim 1,
The payment application transmits the user location information for the current location of the user terminal to the payment server when the payment approval information is transmitted,
The payment server identifies the location of the merchant based on the merchant information included in the payment information received from the merchant terminal, compares the user location information and the merchant location, and performs settlement processing only when the payment is within a predetermined error range Wherein the electronic tag-based payment service providing system comprises:
delete The method according to claim 1,
Wherein the electronic tag is configured in the user terminal.
The user terminal communicating with the electronic tag and recording the telephone number corresponding to the user terminal in the electronic tag;
Issuing a token available to the payment server for a predetermined period of time at the request of the user terminal and providing the token to the payment application of the user terminal;
The merchant terminal generates the user identification information including the telephone number of the user terminal received through the short distance wireless communication with the electronic tag, generates the payment information for the payment details, ;
When the payment server receives the user identification information and the payment information, compares the telephone number included in the user identification information with the previously stored member information to determine whether the user corresponding to the user terminal is a member, Determining whether the payment application is installed in the user terminal;
Transmitting, by the payment server, a push message to the user terminal to execute the payment application at the user terminal when the payment application is installed in the user terminal;
Generating a payment approval information corresponding to the push message and transmitting the payment approval information together with the token to the payment server according to the push message; And
And the payment server processing the settlement based on the payment approval information and the payment information of the user stored in advance or included in the payment approval information when the token is valid at the time of receiving the token from the user terminal, ,
Generating payment information for the payment details and transmitting the payment information together with the user identification information to a predetermined payment server,
Recording the payment time information for the payment attempt time when the electronic tag makes a payment attempt in accordance with short-range wireless communication with the merchant terminal;
Transmitting the existing payment time information to the merchant terminal together with the telephone number of the user terminal when the electronic tag makes a next payment attempt; And
And generating the payment history information including the existing payment time information by the merchant terminal and transmitting the payment history information together with the payment information and the user identification information to the payment server,
The payment processing step includes:
Stores the payment information received from the merchant terminal with the user identification information and stores the matching payment information to the merchant terminal when receiving the payment history information including the existing payment time information corresponding to the user identification information, Based payment service by comparing the payment attempt time according to previously stored payment information with a payment attempt time according to the payment history information to determine whether the electronic tag is matched or not, Way.

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