KR101836191B1 - System and method for processing one-time information based on NFC - Google Patents

Abstract

The present invention relates to a system and a method for processing NFC-based one-time information, and more specifically, to a system and a method for processing NFC-based one-time information, capable of improving security by supporting convenient payment processing by transmitting a payment-related web page contact address for payment processing to a user terminal when an NFC reader of a store and the user terminal are connected by NFC communications and by generating and transmitting a one-time contact address. According to the present invention, the system for processing NFC-based one-time information supports convenient payment processing via a web service only by automatically executing a payment-related web page in the user terminal in short distance communication connection of the NFC reader and the user terminal without installing and executing an additional application for payment in accordance with a product purchase in the user terminal and by inputting a payment approval of a user via the payment-related web page. The system for processing NFC-based one-time information also randomly generates a payment page for payment of a purchased product and the one-time contact address for connecting the payment page whenever the product is purchased. So, the system limits the payment page so that the payment page can be used only for the payment of the product which is currently purchased. Therefore, the system can improve the security on a payment process and payment convenience of the user.

Description

[0001] NFC-based one-time information processing system and method [0002]

The present invention relates to an NFC-based one-time information processing system and method, and more particularly, to an NFC-based one-time information processing system and method for transmitting an access address related to a payment related web page for payment processing to a user terminal in an NFC communication connection between a user terminal and a store, The present invention relates to an NFC-based one-time information processing system and method capable of enhancing security by generating and transmitting the connection address at once while supporting payment processing.

In addition to the development of smart phones that support a variety of functions through various applications, various applications related to payment are provided for convenience of settlement and ease of management of payment means. Users are able to use simple payment It is possible to purchase a commodity conveniently at a discounted price by using various payment means available for commodity discount.

However, when there are different payment-related applications supported between different stores, there is a problem that the user has to install the payment-related applications that the user supports in the store in advance in the user terminal.

In addition, there is a problem that settlement convenience is lowered due to the inconvenience that a user has to execute a payment related application each time when purchasing a product using a user terminal provided with a plurality of payment related applications in a store.

Korean Patent No. 10-1646996

The present invention provides an access address for accessing a payment related web page to a user terminal in an NFC communication connection between a user terminal and an NFC reader located in a store, The present invention aims to provide a system which can support settlement and provide the connection address once, thereby improving user convenience and security.

The NFC-based one-time information processing method according to an embodiment of the present invention is characterized in that when an NFC reader connects to a POS device connected to the NFC reader in a NFC communication connection with a user terminal configured with a local communication part supporting NFC communication, A purchase step of generating payment request information including purchase information on a purchase item of a user when the POS device receives the address request information and transmitting the payment request information to a preset service providing apparatus; The service providing apparatus generates a payment page, which is a payment related web page corresponding to the payment request information, upon receipt of the payment request information, generates a one-time access address corresponding to the payment page, An address transmission step of transmitting the address to the user terminal, And a settlement processing step of transmitting the settlement page to the user terminal accessed by the one-time access address and processing settlement in accordance with the purchase information when receiving settlement approval information from the user terminal via the settlement page .

As an example related to the present invention, the address transmission step may include a step in which the control unit of the user terminal accesses the payment page of the service providing apparatus through the one-time access address when receiving the one-time access address through the NFC reader .

In one embodiment of the present invention, the address transmission step may further include a step of connecting to the payment page by executing a web browser when the control unit of the user terminal receives the one-time access address, Further comprising the step of displaying the payment page through the web browser upon receipt of the payment page from the service providing apparatus.

In one embodiment of the present invention, when the discount is selected among a plurality of preset payment types including payment and discount set in advance by the POS device, the POS device transmits settlement request information set with a discount related payment type to the service providing device The method of claim 1, further comprising transmitting the address information to the service providing apparatus when the settlement type according to the settlement request information is the discount, based on the identification information of the user terminal included in the settlement request information, And the discount condition information included in the merchant information stored in advance in association with the store identification information included in the payment request information included in the member information of the user stored in advance, A billing amount based on the purchase information among at least one payment means Further comprising generating a one-time access address for connection to the payment page and the payment page including one or more discount means-related discount list information that can be used for the discount, When receiving payment approval information including discount means information for one or more discount means selected by the user on the payment page from the user terminal connected to the one-off access address, the merchant information corresponding to the payment page transmitted to the user terminal The discount information corresponding to the one or more discount means included in the payment approval information and the purchase information included in the payment page, Calculate discounted discount at And, it is possible to transmit a special discount information for the discount amount to the POS device purchase information of the purchase phase is also characterized by further comprising the step of processing a payment to be updated according to the discount information.

In an embodiment of the present invention, the step of requesting the address further includes transmitting, to the POS device, the NFC reader including the identification information of the user terminal in the address request information, Further comprising the step of transmitting the payment request information including the identification information of the user terminal to the service providing apparatus, wherein the payment processing step is a step in which the service providing apparatus receives from the user terminal And authenticating the user terminal by comparing the identification information of the user terminal included in the payment request information with the identification information of the user terminal included in the payment request information and transmitting the payment page upon completion of authentication have.

In the payment processing step, the service providing apparatus generates the payment page including an authentication interface for requesting authentication information for user authentication, and transmits the payment page to the user terminal, Comparing the authentication information included in the user's membership information corresponding to the user terminal previously stored at the time of receiving the authentication information, and performing payment processing at the time of user authentication.

According to an embodiment of the present invention, the payment processing step determines whether to insert the authentication interface into the payment page according to whether the payment amount based on the purchase information is equal to or greater than a predetermined amount can do.

In the address transmission step, the service providing apparatus generates and transmits a security access address generated by encrypting or compressing a part of the one-time access address according to a predetermined algorithm, The method according to claim 1, further comprising the step of matching and storing the identification information of the user terminal, wherein the payment processing step is performed when the service providing apparatus completes authentication with respect to the user terminal based on the identification information of the user terminal connected to the secure connection address And restoring the secure connection address to the one-time access address and transmitting the payment page corresponding to the one-time access address to the user terminal.

The NFC-based one-time information processing including the user terminal and the POS device connected to the NFC reader communicating based on the NFC according to the embodiment of the present invention and the service providing device communicating with the user terminal and the POS device via the communication network System transmits address request information for requesting a settlement related connection address to the POS device in an NFC communication connection with the user terminal, and transmits NFC And a controller for transmitting the payment request information including purchase information on the purchase item of the user when receiving the address request information from the NFC reader to a preset service providing apparatus and transmitting the one- A POS that is received from the service providing apparatus and transmitted to the NFC reader A payment page corresponding to the payment request information and a one-time access address for accessing the payment page when the payment request information is received, and transmits the one-time access address to the POS device, And a service providing apparatus that transmits the payment page to the user terminal and processes payment according to the purchase information when receiving payment approval information from the user terminal through the payment page.

As an example related to the present invention, the service providing apparatus may include application information for executing an application installed in advance in the user terminal, and control information for controlling the user terminal to access the one-time access address through the application, And a control unit configured to transmit the address information to the user terminal and access the payment page corresponding to the one-time access address through the application by executing an application corresponding to the app information when receiving the control information .

The present invention enables a payment related web page to be automatically executed at a user terminal in a short distance communication connection between an NFC reader and a user terminal without having to install and execute a separate application for payment according to purchase of goods at a user terminal, A payment address for payment of purchase goods and a connection address for accessing the payment page are randomly generated one time at a time of purchasing a product, By limiting the page to only be available for payment of a product currently being purchased, it is possible to enhance the security of the payment process as well as the ease of payment for the user.

The present invention also relates to a method and system for generating a payment page for payment processing in association with purchase information generated according to a user's purchase of a product and at the same time providing a one-time access address in which all or part of the payment page is randomly changed It is effective to increase the security of the settlement processing process by setting it in correspondence with the settlement page.

1 is a configuration diagram of an NFC-based one-time information processing system according to an embodiment of the present invention;
FIG. 2 and FIG. 3 are diagrams illustrating an operation example of a settlement processing process of an NFC-based one-time information processing system according to an embodiment of the present invention;
4 is a diagram illustrating an operation example of a discount processing of an NFC-based one-time information processing system according to an embodiment of the present invention;
5 is a diagram illustrating an operation example for improving security in a connection address delivery process in an NFC-based one-time information processing system according to an embodiment of the present invention;
6 is a flowchart of an NFC-based one-time information processing method 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 NFC-based one-time information processing system according to an embodiment of the present invention. As shown in the figure, an NFC (Near Field Communication) A POS (point of sale) device 100 connected to the NFC reader 20 via a wired or wireless connection and located in a store for selling goods, and a communication device The service providing apparatus 200 may include a service providing apparatus 200 as shown in FIG.

At this time, the service providing apparatus 200 may be a service operator who issues a coupon or a membership card for accumulating points in cooperation with the store, and provides the discount card to a user for discounting the product or a credit card company affiliated with the store And a service server 200. The service providing apparatus 200 can communicate with the user terminal 10 and the POS apparatus 100 via the communication network.

The user terminal 10 may be a tablet PC, a laptop, a smart phone or a smart phone having a communication function, an output function, and various interface functions. A portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, a personal computer, a wearable personal station, WPS), and the like.

The user terminal 10 includes a first communication unit 11 for communication with the service providing apparatus 200, a short range communication unit 12 for supporting the NFC communication, a first input unit 13 for receiving a user input, A first storage unit 14 that stores various information, a first display unit 15 that displays various information, and a first control unit 16 that controls each component of the user terminal 10, 1 control unit 16 executes the overall control function of the user terminal 10 using the program and data stored in the first storage unit 14 of the user terminal 10. [ The first control unit 16 may include a RAM, a ROM, a CPU, a GPU, and a bus, and the RAM, the ROM, the CPU, and the GPU may be connected to each other via a bus. The CPU accesses the first storage unit 14 to perform booting using an O / S (Operating System) stored in the first storage unit 14, Applications, contents, data, and the like.

The first storage unit 14 of the user terminal 10 may store data related to a web browser displaying a web page, A specific web page can be displayed on the web browser through the first display unit 15 by executing the browser.

The service providing apparatus 200 may transmit a web page related to subscription for subscription to the user terminal 10 and may transmit a subscription related web page from the subscriber terminal 10 to a user The identification information, the identification information of the user terminal 10, login information, and the like, and stores the received member information in the member DB 202 included in the service providing apparatus 200. [

In addition, the service providing apparatus 200 may include information on payment means related to the payment means used for payment of the commodity price through the web page related to subscription to the member, a reward generated based on the discount of the commodity price or payment of the commodity price, And a discount means related to the discount means for accumulating the payment means (e.g., points), from the user terminal 10, and may transmit the payment means information to the user corresponding to the user terminal 10 It may be matched with the member information or included in the member information and stored in the member DB 202.

At this time, the payment means may include a payment means available for payment of a commodity price (or a payment amount, a bill amount) such as a mobile card including card-related information such as a credit card or a check card, A membership card, and the like, which can be used for discounting a product price or earning a reward.

Through the above-described configuration, the NFC reader 20 requests an access address of a payment page for payment of a purchase item purchased by the user to the POS device 100 when an NFC communication with the user terminal 10 is established , The POS device 100 generates purchase information corresponding to the purchase request corresponding to the connection request and transmits the purchase information to the service providing apparatus 200 through the communication network, And generates a one-time access address for connection to the payment page and transmits the generated one-time access address to the user terminal 10 through the POS device 100 and the NFC reader 20. [ have.

Accordingly, the first controller 16 configured in the user terminal 10 executes the web browser when receiving the one-time access address through the short-range communication unit 12, and transmits the one-time access address to the first communication unit 11, And the service providing apparatus 200 transmits a payment page corresponding to the one-time access address to the user terminal 10 connected to the one-time access address, The settlement unit may process the settlement according to the purchase information when receiving the settlement request through the settlement page.

That is, the NFC-based one-time information processing system according to the present invention is a system in which when the NFC communication is established according to the tagging of the NFC reader 20 of the user terminal 10, The payment can be easily performed only by the payment request through the payment page, thereby enhancing the user convenience of purchasing the product.

In other words, the settlement processing method through the existing NFC reader 20 can be performed by the user directly selecting and executing the application installed in the user terminal 10, and transmitting the payment means information associated with the running application to the NFC reader 20, The payment process is very troublesome because the payment related application must be executed in the user terminal 10 for payment in order to transmit the payment application to the POS device 100 through the NFC reader 20 and the user terminal 10 The web browser installed in the user terminal 10 is automatically executed without executing any separate application by only the NFC communication connection between the service provider 200 and the service provider 200, It is possible to greatly simplify the user's convenience.

In addition, in the existing payment processing method, when a plurality of different payment types such as payment and discount are different from each other, a plurality of different payment related applications are installed in the user terminal 10, There is an inconvenience that the related applications should be separately performed by the users separately. On the other hand, the present invention is applicable to the case where only the user terminal 10 connects to the service providing apparatus 200 corresponding to the specific payment type selected in the POS device 100 A payment page for payment processing corresponding to a specific settlement type is automatically generated and provided to the user terminal 10, thereby making it possible to greatly enhance a settlement convenience of the user.

In addition, according to the present invention, a payment page for payment processing is generated in correspondence with purchase information generated according to purchase of a user, and at the same time, a one-time access address in which all or a part of the payment page is randomly changed By establishing correspondence with the settlement page, the security of the settlement process can be enhanced.

Hereinafter, a detailed operation configuration of an NFC-based one-time information processing system according to an embodiment of the present invention will be described with reference to the drawings.

Prior to the description, the settlement (or type of settlement) described in the present invention is a payment of a charge amount (or a commodity price) due to purchase of a commodity such as a mobile card including card-related information such as a credit card or a check card (Or commodity price) using the discount means available for the discount of the commodity price (or settlement amount) at the settlement of the commodity such as a coupon, a point, a membership card, etc. Can be defined.

2, the NFC reader 20 includes an address for requesting a settlement-related access address of a purchase item purchased by the user when an NFC communication is established with the local communication unit 12 of the user terminal 10, And transmits the generated request information to the POS device 100 connected to the NFC reader 20.

The POS apparatus 100 includes a second communication unit 110 for communication with the NFC reader 20 and the service providing apparatus 200, a second input unit 120 for receiving a user input, 2 display unit 140, a second storage unit 130 that stores various information, and a second control unit 150 that controls each component of the POS apparatus 100. [

The second control unit 150 of the POS device 100 communicates with the NFC reader 20 through the second communication unit 110 and transmits data from the NFC reader 20 to the second communication unit 110. [ Lt; RTI ID = 0.0 > address request information. ≪ / RTI >

Also, the second controller 150 of the POS device 100 may receive a user corresponding to the user terminal 10 based on a user input through the second input unit 120 or a manager input by a store manager And generates payment request information including the purchase information when receiving the address request information from the NFC reader 20 through the second communication unit 110, To the service providing apparatus 200 through the communication unit 110.

At this time, the purchase information may include information on one or more items related to purchased goods (for example, the name of the product, price, etc.), the purchase quantity per purchased product, the final charge amount (or final payment amount, final payment amount)

The NFC reader 20 receives the identification information of the user terminal 10 from the user terminal 10 through a short distance communication with the user terminal 10 and includes identification information of the user terminal 10 To the second control unit 150 of the POS device 100. The second control unit 150 of the POS device 100 receives the address request information.

Accordingly, the second controller 150 of the POS device 100 may extract the identification information of the user terminal 10 included in the address request information and include it in the payment request information.

On the other hand, when the service providing apparatus 200 receives the payment request information from the POS apparatus 100, the service providing apparatus 200 transmits a settlement page (or purchase information including purchase information) And generate a one-time access address corresponding to the payment page when generating the payment page, and then transmit the one-time access address to the POS device 100. [

At this time, the service providing apparatus 200 can set the one-time access address to the connection address of the payment page.

That is, the service providing apparatus 200 may randomly generate a connection address for connection to the payment page as a one-time connection address, and the one-time connection address may be configured as a URL (Uniform Resource Locator) address .

In addition, the service providing apparatus 200 may fix the connection address given to the service providing apparatus 200 when generating the one-time access address, randomly generate the storage location of the payment page, And the storage location of the payment page that is generated randomly.

At this time, the service providing apparatus 200 may match the payment page and the payment request information to the payment DB 201 included in or connected to the service providing apparatus 200 when creating the payment page corresponding to the purchase information have.

3, the second controller 150 of the POS device 100 transmits the one-time connection address to the NFC reader 20 upon receiving the one-time connection address from the service providing apparatus 200 , The NFC reader 20 can transmit the one-time access address to the user terminal 10 through NFC communication.

Accordingly, the first controller 16 of the user terminal 10 automatically executes a web browser installed in the user terminal 10 upon receipt of the one-time connection address through the short-range communication unit 12, And can access the one-time access address through the first communication unit 11 based on the web browser.

The first control unit 16 of the user terminal 10 identifies (recognizes) the one-time access address as a URL, and the first control unit 16 of the user terminal 10 identifies (recognizes) the one- You can launch the browser automatically.

Also, the service providing apparatus 200 may transmit the settlement page corresponding to the one-time access address to the user terminal 10 connected to the one-time access address to the user terminal 10.

At this time, the payment page may include an approval button for approving the payment of the bill according to the purchase information and the purchase information as shown in the figure.

The first control unit 16 of the user terminal 10 displays a payment page through the web browser when the payment page is received and displays the payment page displayed on the web browser through the first display unit 15 Can be displayed.

In addition, the first control unit 16 may receive, when receiving the approval button-related selection information through the first input unit 13 of the user terminal 10 in the payment page, Payment approval information may be generated and transmitted to the service providing apparatus 200 through the first communication unit 11. [

On the other hand, upon receiving the payment approval information, the service providing apparatus 200 extracts the payment related payment means information from the member information of the member DB 202 corresponding to the user identification information included in the payment approval information, It is possible to process payment based on the payment information that generated the payment information based on the purchase information included in the payment request information matched with the corresponding payment page and the payment means information.

At this time, the service providing apparatus 200 may perform settlement processing through communication with a predetermined settlement server based on the settlement information, and the service providing apparatus 200 or the settlement server may include a card issuer server, a mobile communication company server, An affiliate server that issues a coupon or a membership card, a payment gateway (PG) server, a VAN (Value Added Network) server, and the like.

In addition, the service providing apparatus 200 may generate the result information on the settlement processing result upon completion of the settlement processing, and transmit the result information to the POS apparatus 100 to complete the settlement processing.

Meanwhile, in the above-described configuration, in order to enhance the security of the settlement process, the NFC-based one-time information processing system according to the embodiment of the present invention performs authentication for the user terminal 10 before the settlement process, You can process the payment.

For example, the first controller 16 of the user terminal 10 may communicate with the NFC reader 20 through the short-range communication unit 12 of the user terminal 10, And can transmit the identification information of the user terminal 10 set.

At this time, the identification information of the user terminal 10 may include a Mobile Directory Number (MDN), a Mobile IP, a Mobile MAC, a SIM (Subscriber Identity Module) card unique information, and a serial number.

The NFC reader 20 may transmit the identification information of the user terminal 10 received from the user terminal 10 to the POS device 100 in the address request information.

The second controller 150 of the POS device 100 extracts the identification information of the user terminal 10 included in the address request information and transmits the identification information of the user terminal 10 To the service providing apparatus 200.

After receiving the payment request information, the service providing apparatus 200 generates a one-time connection address related to the payment page and transmits the one-time access address to the user terminal 10 through the NFC reader 20 and the POS device 100 The identification information of the user terminal 10 received from the user terminal 10 connected to the one-time connection address is compared with the identification information of the user terminal 10 included in the payment request information The user terminal 10 can be authenticated.

Accordingly, the service providing apparatus 200 can transmit the payment page to the user terminal 10 only when the authentication of the user terminal 10 is successful (or when the authentication is completed).

Meanwhile, in the above-described configuration, when the service providing apparatus 200 accesses the payment page stored in association with the identification information of the user terminal 10 in another device and fails authentication, the service providing apparatus 200 transmits a text message Or send a message such as a push message to alert the user of the risk of a hack.

According to the above-described configuration, when a communication connection between the NFC reader 20 and the user terminal 10 is established without the need to install and execute a separate application for payment according to purchase of goods in the user terminal 10, Is automatically executed in the user terminal (10), and the settlement is conveniently processed through the web service only by inputting the payment approval of the user through the payment related web page, and at the same time, It is possible to randomly generate a connection address for accessing a payment page at one time and restrict the payment page to be available only for payment of a product currently being purchased, thereby enhancing security of the settlement process in addition to the convenience of settlement of the user.

In addition, the present invention can increase the security of the payment process by allowing the user terminal 10 to provide a payment page for payment of purchase goods only when the authentication of the user terminal 10 is completed in the payment process.

Meanwhile, the POS device 100 according to the embodiment of the present invention communicates with the service providing apparatus 200 to process billing amounts based on web services in addition to payment of billing amounts according to purchase information, thereby enhancing settlement convenience for users Which will be described in detail with reference to FIG.

As shown in the figure, a plurality of different settlement types such as payment and discount are preset in the second control unit 150 of the POS device 100, and the second control unit 150 sets the plurality of different settlement types The service providing apparatus 200 generates payment request information including the purchase information corresponding to the payment type selected according to a user input or administrator input through the second input unit 120, 2 communication unit 110 via a network.

In this case, the settlement request information may further include identification information of a store corresponding to the POS device 100 and settlement type information for the selected settlement type, and the purchase information may include identification information of the user terminal 10 .

Accordingly, when the payment type according to the payment request information at the time of receiving the payment request information is a discount of the charge amount according to the purchase information, the service providing apparatus 200 may include a plurality of The merchant database 203 storing merchant store information for different stores can be searched based on store identification information included in the payment request information to extract merchant information corresponding to the store identification information.

At this time, the merchant information may include discount condition information for a discount condition for each payment means (or discount means) available for discounting a charge amount for purchasing goods.

The discount condition may be a condition such as a discount rate or a discount amount or a point available for payment when the payment means (or the discount means) is used for the purchase of the goods, a condition such as a discount rate or a discount amount set for the payment means . ≪ / RTI >

Also, the service providing apparatus 200 transmits the membership information of the user corresponding to the user terminal 10 to the member DB 202 based on the identification information of the user terminal 10 included in the purchase information of the payment request information And comparing the payment means information for each payment means included in the member information with the discount condition information to calculate at least one discount means available for discounting the charge amount based on the purchase information among at least one payment means held by the user It is possible to generate a payment page including list information.

At this time, the discount list information may include information on discount means, such as a membership card, a holding point, a coupon, etc., available for discounting the purchased product, The payment means may be included in the discount list information as a discount means.

For example, a first condition in which a discount of 5% is provided when using coupon A in the discount condition, a second condition in which a discount of 5% is provided in case of using credit card A, When the third condition is set, the service providing apparatus 200 corresponds to the credit card A, the coupon A, and the membership card A among the one or more payment means information included in or matched with the user's member information in the member DB 202 And generates discount list information including the extracted credit card A related payment means information, the coupon A related payment means information, and the membership card A related payment means information, The discount list information may be included in the settlement page to be used for the discount of the commodity price among the one or more discount means included in the discount list information A discount means may be provided through the payment page the user to choose from.

In addition, the service providing apparatus 200 may limit available points among the holding points according to a discount condition according to the discount condition information, and may include information on available points in the discount list information.

Thereafter, the service providing apparatus 200 generates a one-time access address for the payment page corresponding to the payment page and transmits the one-time access address to the user terminal 10 through the POS device 100 and the NFC reader 20 have.

Accordingly, the first controller 16 of the user terminal 10 accesses the payment page from the service providing apparatus 200 by accessing the one-time connection address, Selecting at least one of the one or more discounting means according to a user input through the first input unit 13 of the user terminal 10, and if the approval button included in the payment page is selected according to user input, Generates payment approval information including discount means information for at least one discount means selected from the payment page through the payment page and transmits the payment approval information to the service providing apparatus 200 corresponding to the payment page, The payment approval information can be transmitted through the first communication unit 11 of the mobile communication terminal.

If the discount means selected by the user is a point, the first controller 16 of the user terminal 10 transmits a usage point amount for use in discounting the commodity price to the user through the first input unit 13, And may include discount means information including setting information for the usage point in the payment approval information to be transmitted to the service providing apparatus 200. [

Accordingly, when the service providing apparatus 200 receives the payment approval information, the service providing apparatus 200 receives the payment approval information among the discount conditions for each discounting means according to the discount condition information included in the merchant information corresponding to the payment page transmitted to the user terminal 10 A discount amount corresponding to the discount information corresponding to each of the one or more discount means included in the information and a discount amount corresponding to the purchase information based on the purchase information included in the payment page, To the POS device (100).

At this time, the service providing apparatus 200 may receive the discount information (e.g., payment information) based on one or more discount conditions selected in correspondence with the payment approval information, The discounted amount may be calculated.

Also, the service providing apparatus 200 may calculate a discount amount corresponding to the usage point based on the setting information included in the payment approval information and the discount condition corresponding to the usage point.

The second control unit 150 of the POS apparatus 100 updates the purchase information based on the discount information when receiving the discount information from the service providing apparatus 200 through the second communication unit 110 For example, the second control unit 150 may update the purchase information (for example, the final charge amount according to the purchase information) by subtracting a charge amount corresponding to the purchase information from a discount amount corresponding to the discount information .

The second control unit 150 of the POS device 100 then transmits the discount information to the second input unit 120 when the payment related payment type among the plurality of payment types is selected according to a user input And transmits the generated payment request information to the service providing apparatus 200.

In addition, when receiving the payment request information, when the payment type of the payment request information is the payment type, the service providing apparatus 200 transmits the payment page corresponding to the purchase information updated according to the discount information to the payment page After generating the one-time access address, payment processing can be performed according to the above-described procedure.

That is, if the payment type according to the payment request information is payment, the service providing apparatus displays payment related payment means information (for example, payment information) set in advance in the member information of the user based on the payment related payment approval information received from the user terminal accessed through the payment page For example, information related to the user's credit card), and perform settlement processing so that the payment processing for the billing amount is performed based on the payment means information and the purchase information corresponding to the payment page.

In addition, the service providing apparatus 200 may delete or deactivate the discount means used for discounting the purchased product in the member information of the user upon completion of the payment processing, and when the discount means used for discounting the purchased product is a point It is possible to update the holding point by subtracting from the holding points included in the member information the used points used for the discount of the purchased product.

In addition, the service providing apparatus 200 generates reward information for a rewarded reward such as a point when receiving settlement request information including the purchased information, and when the redeemed reward is redeemed, Can be accumulated in association with the member information of the user or can be accumulated corresponding to the specific discount means.

Meanwhile, in the above-described configuration, the service providing apparatus 200 related to payment may be different from the service providing apparatus 200 related to discount according to the payment type, and the POS apparatus 100 may include a plurality of different services And may communicate with the providing apparatus 200 to process the payment for either the payment or the discount.

In addition, the POS device 100 can communicate with a plurality of different service providing apparatuses 200 that provide different discounting means to users in connection with a discount, thereby supporting payment processing related to the above discount.

Through the above-described configuration, the NFC-based one-time information processing system according to the embodiment of the present invention is capable of processing discounts of purchased products or accumulating rewards based on purchase of goods without using any separate application Thereby enhancing user convenience.

Meanwhile, in the above-described configuration, the NFC-based one-time information processing system according to the embodiment of the present invention supports various operational configurations for enhancing security in the settlement processing step, which will be described in detail with reference to FIG.

As shown in the figure, the service providing apparatus 200 may generate a secure access address by encrypting or compressing a part of the one-time access addresses set (or assigned) on the payment page according to a predetermined algorithm, To the user terminal 10 via the POS device 100 and the NFC reader 20 instead of the one-time access address.

At this time, the service providing apparatus 200 may access the storage location of the payment page among the connection address given to the service providing apparatus 200 constituting the one-time connection address and the connection address for the storage location of the payment page The address may be encrypted or compressed to generate the secure access address.

Also, the service providing apparatus 200 generates address information according to the secure connection address, and then matches the identification information of the user terminal 10 included in the purchase information or the payment request information with the address information, And can be stored in the settlement DB 201.

Accordingly, the service providing apparatus 200 can access the service providing apparatus 200 from the user terminal 10 connected to the service providing apparatus 200 according to the connection address for the service providing apparatus 200 included in the secure connection address, It is possible to receive the identification information of the terminal 10 and extract the address information matched with the identification information of the user terminal 10 from the payment DB 201. [

Thereafter, the service providing apparatus 200 restores the security access address according to the address information extracted from the settlement DB 201 to the one-time access address upon user authentication based on the identification information of the user terminal 10 , And transmit the settlement page corresponding to the one-time access address to the user terminal 10.

Accordingly, the service providing apparatus 200 can limit access to the payment page corresponding to the one-time access address only to the user terminal 10, thereby enhancing the security of the payment process.

In addition to the above-described configuration, the service providing apparatus 200 may generate the payment page including an authentication interface for requesting authentication information for user authentication to the user terminal 10, And may transmit the payment page including the authentication interface to the user terminal 10 when accessing the payment page through the one-time access address.

The first control unit 16 of the user terminal 10 may select the approval button included in the payment page based on the user input through the first input unit 13 of the user terminal 10, The authentication information (for example, login information) input to the authentication interface may be included in the payment approval information and transmitted to the service providing apparatus 200 according to a user input through the input unit 13. [

Accordingly, the service providing apparatus 200 compares the authentication information included in the payment approval information received from the user terminal 10 with the authentication information included in the user's membership information corresponding to the user terminal 10 And can process the settlement according to the settlement information generated based on the purchase information at the time of user authentication.

In the above-described configuration, the service providing apparatus 200 may determine whether or not to authenticate the user according to whether the payment amount based on the purchase information included in the payment request information is equal to or greater than a preset amount, It is possible to determine whether the authentication interface is inserted in the payment page.

In addition to the above-mentioned configuration, the service providing apparatus 200 may also be configured to transmit the application information for executing a specific application installed in advance in the user terminal 10, The control information for controlling the terminal 10 may be transmitted instead of the one-time access address.

Accordingly, when receiving the control information, the first controller 16 configured in the user terminal 10 executes a specific application corresponding to the app information in place of the web browser, and transmits the application to the one- You can access the corresponding payment page.

In addition, the first control unit 16 communicates with the service providing apparatus 200 through the specific application, displays the payment page through the specific application after receiving the payment page, Payment approval information can be transmitted to the service providing apparatus 200.

6 is a flowchart of a one-time information processing method in an NFC-based one-time information processing system according to an embodiment of the present invention.

As shown in the figure, the NFC reader 20 is connected to the POS device 100 connected to the NFC reader 20 in the NFC communication connection with the user terminal 10 having the local communication part 12 supporting the NFC communication, Address request information for requesting a connection address (S1).

In addition, the POS device 100 may generate payment request information including purchase information on a purchase item of a user when receiving the address request information, and may transmit the payment request information to a predetermined service providing apparatus 200 (S2).

Next, the service providing apparatus 200 generates a payment page, which is a payment related web page corresponding to the payment request information upon receiving the payment request information, generates a one-time access address corresponding to the payment page, 100 and the NFC reader 20 to the user terminal 10 (S3).

Thereafter, the service providing apparatus 200 transmits the payment page to the user terminal 10 connected to the one-time access address (S4), receives payment approval information from the user terminal 10 via the payment page (S5). ≪ / RTI >

As described above, according to the present invention, when generating a payment page according to a user's purchase of goods, the access address for accessing the corresponding payment page can be changed every time, so that payment can be made through the corresponding payment page only for the user. Thereby enhancing settlement convenience and security.

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 11: first communication unit
12: Local communication section 13: First input section
14: first storage unit 15: first display unit
16: first control unit 20: NFC reader
100: POS device 110: second communication section
120: second input unit 130: second storage unit
140: second display unit 150: second control unit
200: Service providing device

Claims (10)

An address request step of transmitting address request information for requesting a settlement related access address to a POS device connected to the NFC reader when an NFC reader establishes an NFC communication with a user terminal configured with a local communication section supporting NFC communication;
A purchase step of, when the POS device receives the address request information, generating payment request information including purchase information on a purchase item of the user and transmitting the payment request information to a predetermined service providing device;
Wherein the service providing apparatus generates a payment page, which is a payment related web page corresponding to the payment request information, upon receipt of the payment request information, generates a one-time access address corresponding to the payment page, Transmitting an address to a user terminal; And
A settlement processing step of transmitting the settlement page to the user terminal connected to the service providing apparatus by the one-time connection address and processing settlement in accordance with the purchase information when receiving settlement approval information from the user terminal via the settlement page,
/ RTI >
In the address transmission step, the service providing apparatus transmits a security access address generated by encrypting or compressing a part of the one-time access addresses according to a predetermined algorithm, and stores the security access address and the identification information of the user terminal in a matching manner Further comprising:
Wherein the settlement processing step restores the secure access address to the one-time access address upon completion of the authentication of the user terminal based on the identification information of the user terminal accessed by the service providing apparatus with the secure access address, And transmitting the settlement page corresponding to the settlement page to the user terminal.
The method according to claim 1,
Wherein the address transmission step further comprises a step of allowing the control unit of the user terminal to access the payment page of the service providing apparatus through the one-time access address when receiving the one-time access address through the NFC reader. Information processing method.
The method of claim 2,
Wherein the address transmission step further comprises a step of connecting to the payment page by executing a web browser when the control unit of the user terminal receives the one-
Wherein the payment processing step further comprises the step of displaying the payment page through the web browser when the control unit of the user terminal receives the payment page from the service providing apparatus.
The method according to claim 1,
Wherein the purchasing step further includes transmitting, to the service providing apparatus, settlement request information set with a discount-related settlement type when a discount is selected among a plurality of preset settlement types including a preset payment and discount,
Wherein the address transmitting step comprises the steps of: when the service providing apparatus determines that the settlement type according to the settlement request information is the discount, based on the identification information of the user terminal included in the settlement request information, Comparing the discount condition information included in the merchant information stored in advance with the payment means information included in the information and the store identification information included in the payment request information, Generating a one-time access address for connection to the payment page and the payment page, the discount page including one or more discount means-related discount list information available for discounting a charge based on the discount page,
Wherein the payment processing step is a step in which the service providing apparatus transmits, to the user terminal, upon receipt of payment approval information including discount means information for one or more discount means selected by the user on the payment page from the user terminal accessed by the one- A discount condition corresponding to one or more discount means included in the payment approval information among the discount conditions for each discount means according to the discount condition information included in the merchant information corresponding to the payment page transmitted, And transmits the discount information on the discounted amount to the POS device so that the purchase information in the purchase step is updated so as to be updated in accordance with the discount information N < / RTI > FC based one-time information processing method.
The method according to claim 1,
Wherein the requesting step further includes transmitting, by the NFC reader, the address request information including the identification information of the user terminal to the POS device,
Wherein the purchasing step further includes the step of the POS device including identification information of the user terminal in the payment request information and transmitting the identification information to the service providing apparatus,
The settlement processing step compares the identification information of the user terminal received from the user terminal connected to the service providing apparatus with the one-time connection address and the identification information of the user terminal included in the settlement request information, And transmitting the payment page when the authentication is completed.
The method of claim 5,
The payment processing step generates the payment page including the authentication interface for requesting the authentication information for the authentication of the user and transmits the payment page to the user terminal, Further comprising the step of performing a payment process at the time of user authentication by comparing the authentication information included in the user's membership information corresponding to the user terminal with the authentication information included in the user's membership information corresponding to the user terminal.
The method of claim 6,
Wherein the payment processing step determines whether to insert the authentication interface into the payment page according to whether the payment amount based on the purchase information is equal to or greater than a preset amount.
delete 1. An NFC-based one-time information processing system including a POS device connected to an NFC reader communicating with a user terminal via an NFC, and a service providing device communicating with the user terminal and the POS device via a communication network,
An NFC reader for transmitting address request information for requesting a payment related connection address to the POS device in an NFC communication connection with the user terminal and transmitting the received one-time connection address corresponding to the address request information to the user terminal;
The method comprising: transmitting settlement request information including purchase information on the purchased product of the user to the predetermined service providing apparatus upon receiving the address request information from the NFC reader, and transmitting the one-time access address corresponding to the settlement request information to the service providing apparatus A POS device for receiving the data from the device and transmitting the data to the NFC reader; And
A payment page corresponding to the payment request information and a one-time access address for accessing the payment page when the payment request information is received, and transmits the one-time access address to the POS device, A service providing unit for transmitting the settlement page to the terminal and processing payment according to the purchase information when receiving settlement approval information from the user terminal via the settlement page,
/ RTI >
The service providing apparatus includes:
A security access address generated by encrypting or compressing a part of the one-time access address according to a predetermined algorithm, and storing the security access address and the identification information of the user terminal in a matching manner, When the authentication of the user terminal is completed based on the identification information of the terminal, the secure connection address is restored to the one-time access address and the payment page corresponding to the one-time access address is transmitted to the user terminal One - time information processing system.
The method of claim 9,
The service providing apparatus transmits app information for executing an application installed in advance in the user terminal and control information for controlling the user terminal to access the one-time access address through the application, instead of the one-time address information,
A control unit configured to execute an application corresponding to the application information when receiving the control information and to access a payment page corresponding to the one-
Wherein the NFC-based one-time information processing system further comprises:

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