KR101868947B1 - Payment system using an intermediating apparatus having serial communication and 2way wireless connection - Google Patents

Abstract

The present invention relates to a payment system using a relay device having a serial communication function and a two-way wireless access function. The payment system using a relay device includes: the relay device for controlling a communication connection between a POS terminal and a user mobile terminal; the user mobile terminal having a payment app mounted thereon to select a payment means according to a payment request received from the POS terminal connected by the relay to communicate; and the POS terminal for requesting a payment from the payment app mounted on the user mobile terminal connected by the relay to communicate, and processing the payment according to the payment means selected by the payment app mounted on the user mobile terminal. The serial communication function and the two-way wireless access function are implemented in the relay device which relays data through a communication connection between the POS terminal and the user mobile terminal to connect the payment system to the POS terminal through the serial communication function, induce an initial access of the user mobile terminal through first wireless communication having a multi-specialty transceiving restriction (maintain 10 cm or less) although a communication connection speed is fast, and induce a second wireless communication access of the user mobile terminal by providing second wireless communication access information without having the multi-specialty transceiving restriction (can be spaced as much as tens of meters) although the speed of a communication connection to the initially accessed user mobile terminal is slow to provide a payment service of increased user′s convenience through a communication connection between the POS terminal and the user mobile terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system using an intermediary apparatus having a serial communication function and a two-way wireless connection function,

The present invention relates to a merchant payment technology, and more particularly, to a payment system using a relay device having a serial communication function and a two-way wireless connection function.

Korean Patent Laid-Open Publication No. 10-2014-0074223 (2014.06.17) reads information using Near Field Communication (NFC), determines whether the first terminal and the second terminal are requested to be paired from the read information, 1 < / RTI > Bluetooth connection using a NFC for Bluetooth connection between a first terminal and a second terminal.

The present inventors implemented a serial communication and a 2-way wireless connection function in a relay device for relaying data through a communication connection between a POS terminal and a user mobile terminal to connect to the POS terminal through serial communication, The initial connection of the user mobile terminal is induced through the first wireless communication having the special transmission / reception restriction (maintained within 10 CM), and the communication connection speed to the initially connected user mobile terminal is slow or there is no restriction on the multi- A second wireless communication connection information is provided to the user terminal to induce a second wireless communication connection of the user terminal to perform a payment through a communication connection between the POS terminal and the user terminal.

Korean Patent Publication No. 10-2014-0074223 (2014.06.17)

The present invention has been invented under the above-mentioned circumstances, and it is an object of the present invention to provide a relay apparatus for relaying data through a communication connection between a POS terminal and a user mobile terminal, which implements a serial communication and a 2way wireless connection function, And the initial connection of the user mobile terminal is induced through the first wireless communication with the communication connection speed being fast but with the restriction of the multifunctional transmission and reception (maintained within 10 cm), and the communication connection speed to the initially connected user mobile terminal is slow, Which can provide a payment service through a communication connection between a POS terminal and a user mobile terminal by providing a second wireless communication connection information of a user mobile terminal by providing second wireless communication access information which is free (unlimited) It is another object of the present invention to provide a payment system using a relay apparatus having a communication function and a two-way wireless connection function.

According to one aspect of the present invention, a system includes a relay device for controlling a communication connection between a POS terminal and a user mobile terminal; A user terminal for loading a payment application for selecting a payment means in response to a payment request from a POS terminal connected to and communicated by the relay device; A POS terminal for making a payment with a payment application installed in a user mobile terminal connected by the relay device and processing payment according to payment method selection from a payment application installed in the user mobile terminal; The payment system includes a serial communication unit connected to the POS terminal in a serial communication manner; A first wireless communication unit connected to the user mobile terminal through a first wireless communication; A second wireless communication unit connected to the user mobile terminal through a second wireless communication; (APP) for wake-up with a user mobile terminal through first wireless communication with a user mobile terminal through a first wireless communication unit, while controlling the communication connection between the POS terminal and the user mobile terminal. AID: Application Identity), receives the user environment information from the user mobile terminal, determines whether the user mobile terminal can perform the second wireless communication, and if the user mobile terminal can perform the second wireless communication, 2) a second wireless communication connection information for wireless communication connection to a user mobile terminal; And has a serial communication function and a two-way wireless connection function.

According to a further aspect of the present invention, there is provided a mobile communication system comprising: a first wireless communication connection processing unit for performing a first wireless communication connection with a user mobile terminal through a first wireless communication unit; When the first wireless communication connection processing unit is connected to the user mobile terminal through the first wireless communication unit, transmits the app identification information (AID) for wake up to the user mobile terminal through the first wireless communication unit An app identification information transmitting unit for transmitting the app identification information; A user environment information receiving unit for receiving user environment information from a user mobile terminal that has executed a payment application corresponding to the application identification information through the first wireless communication unit; The user environment information receiving unit analyzes the user environment information to determine whether or not the user mobile terminal can perform the second wireless communication, and when the user mobile terminal is capable of the second wireless communication, A connection information transmitting unit for transmitting the second wireless communication connection information to the user mobile terminal; A second wireless communication connection processing unit for performing a second wireless communication connection with a user mobile terminal connected using the second wireless communication connection information transmitted by the connection information transmission unit; .

According to a further aspect of the present invention, there is provided a billing apparatus comprising: a payment request receiving unit for receiving a payment confirmation request from a POS terminal; A payment means selection unit for displaying the contents of the payment request received by the payment request receiving unit and selecting a payment means from a user; When the payment means is selected through the payment means selection means. A payment means information transmission unit for transmitting the payment means information to the POS terminal; .

According to a further aspect of the present invention, the relay device having the serial communication and the two-way wireless connection function is implemented as a signature pad or a dongle connected to the POS terminal.

According to a further aspect of the present invention, the first wireless communication unit is wirelessly connected to the user mobile terminal through an NFC (Near Field Communication) communication scheme.

According to a further aspect of the present invention, the second wireless communication unit is wirelessly connected to the user mobile terminal through a Bluetooth communication scheme.

According to a further aspect of the present invention, the user environment information includes user identification information and second wireless communication support information.

According to a further aspect of the present invention, the second wireless communication access information includes the MAC address of the second wireless communication unit of the relay apparatus having the serial communication and the two-way wireless connection function.

The present invention realizes a serial communication and a 2-way wireless connection function to a relay device that relays data through a communication connection between a POS terminal and a user mobile terminal, connects to a POS terminal through serial communication, The initial connection of the user mobile terminal is induced through the first wireless communication with the special transmission / reception restriction (maintained within 10 cm), and the communication connection speed to the initially connected user mobile terminal is slow or there is no restriction on the multi- The second wireless communication connection information is provided to guide the second wireless communication connection of the user mobile terminal to provide a payment service improved in user convenience through a communication connection between the POS terminal and the user mobile terminal.

1 is a network connection diagram of a billing system using a relay apparatus having a serial communication function and a two-way wireless connection function according to the present invention.
FIG. 2 is a block diagram illustrating a configuration of a relay apparatus having a serial communication and a two-way wireless connection function in a billing system using a relay apparatus having a serial communication and a two-way wireless connection function according to the present invention.
3 is a block diagram illustrating a configuration of a control unit of a relay apparatus having a serial communication and a two-way wireless connection function in a billing system using a relay apparatus having a serial communication and a two-way wireless connection function according to the present invention.
4 is a block diagram showing a configuration of a payment application installed in a user mobile terminal of a payment system using a relay device having a serial communication function and a two-way wireless connection function according to the present invention.
5 is a flowchart illustrating an example of a settlement checking process of a billing system using a relay apparatus having a serial communication function and a two-way wireless connection function according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used throughout the specification of the present invention have been defined in consideration of the functions of the embodiments of the present invention and can be sufficiently modified according to the intentions and customs of the user or operator. It should be based on the contents of.

1 is a network connection diagram of a billing system using a relay apparatus having a serial communication function and a two-way wireless connection function according to the present invention. 1, a payment system using a relay device having a serial communication function and a two-way wireless connection function according to the present invention includes a relay device 100 having a serial communication function and a two-way wireless connection function, (200), and a user mobile terminal (300) such as a smart phone.

The relay apparatus 100 having the serial communication and the two-way wireless connection function controls the communication connection between the POS terminal 200 and the user mobile terminal 300 and is connected to the POS terminal 200 of the merchant through a serial communication Way wireless connection through a first wireless communication or a second wireless communication with a user mobile terminal 300 such as a smart phone.

For example, the relay apparatus 100 having a serial communication function and a two-way wireless connection function may be implemented in the form of a signature pad (not shown) or a dongle (not shown) connected to the POS terminal 200 .

The POS terminal 200 makes a payment request to a payment application installed in a user mobile terminal 300 communicated by the relay device 100 having the serial communication and the two-way wireless connection function, and transmits the payment request to the user mobile terminal 300 The settlement is processed according to the payment method selection from the installed payment application.

At this time, the settlement request transmitted from the POS terminal 200 may include a payment amount, and the payment means selected from the payment application installed in the user mobile terminal 300 may be a payment such as a mobile credit card, a Samsung Pay, Application.

For example, the POS terminal 200 is connected in serial with the relay device 100 having the serial communication and the two-way wireless connection function to request payment with the payment application installed in the user mobile terminal 300, And may be configured to process the payment in accordance with the payment method selection.

The user mobile terminal 300 is equipped with a payment application for selecting a payment means in response to a payment request from the POS terminal 200 communicated by the relay device 100 having the two-way wireless connection function with the serial communication.

For example, when the user mobile terminal 300 is wirelessly connected to the relay apparatus 100 having the serial communication function and the two-way wireless connection function through the first wireless communication or the second wireless communication, To select a payment means in response to a payment request from the terminal 200, and to transmit the selected payment means information to the POS terminal 200.

Accordingly, the present invention implements the payment application 310 for selecting the payment means to the user mobile terminal 300, and transmits the POS of the merchant through the relay device 100 having the serial communication and the two- The settlement request can be relayed from the terminal 200 to the user mobile terminal 300 and the payment means information selected from the user mobile terminal 300 can be relayed to the POS terminal 200 so that settlement can be carried out so that customer-oriented settlement becomes possible .

FIG. 2 is a block diagram illustrating a configuration of a relay apparatus having a serial communication and a two-way wireless connection function in a billing system using a relay apparatus having a serial communication and a two-way wireless connection function according to the present invention. 2, a relay apparatus 100 having a serial communication function and a two-way wireless connection function according to this embodiment includes a serial communication unit 110, a first wireless communication unit 120, a second wireless communication unit 130, and a control unit 140.

The serial communication unit 110 is connected to the POS terminal 200 in serial communication.

The first wireless communication unit 120 is connected to the user mobile terminal 300 through a first wireless communication. For example, the first wireless communication unit 120 may be wirelessly connected to the user mobile terminal 300 through an NFC (Near Field Communication) communication scheme.

At this time, the first wireless communication unit 120 may be wirelessly connected to the user mobile terminal 300 using a card emulation (CE) mode conforming to the ISO7816-4 communication protocol standard of the NFC protocol layer.

The second wireless communication unit 130 is connected to the user mobile terminal 300 through a second wireless communication. For example, the second wireless communication unit 130 may be wirelessly connected to the user mobile terminal 300 through a Bluetooth communication scheme.

At this time, the second wireless communication unit 130 may define a service and TX and RX characteristics in a GATT profile of the Bluetooth 4.0 standard and establish a wireless communication with the user mobile terminal 300.

The control unit 140 controls the communication connection between the POS terminal 200 and the user mobile terminal 300. The control unit 140 is connected to the user mobile terminal 300 via the first wireless communication unit 120, Transmits application identification information (AID) for wake up of a payment APP to the user terminal 300 and receives user environment information from the user mobile terminal 300, If the user mobile terminal can perform the second wireless communication, the second wireless communication connection information for the second wireless communication connection between the user mobile terminal 300 and the POS terminal 200 to the user mobile terminal 300 send.

Upon receiving the app identification information transmitted through the first wireless communication unit 120, the user mobile terminal 300 executes the payment application 310 corresponding to the app identification information, and transmits the user environment information to the wireless communication unit 120 via the serial communication, The relay apparatus 100 having the serial communication function and the two-way wireless connection function receives the user environment information through the first wireless communication unit 120. The relay apparatus 100 transmits the user environment information to the relay apparatus 100 having the connection function.

Then, the relay apparatus 100 having the serial communication and the two-way wireless connection function analyzes the received user environment information and determines whether the user mobile terminal 300 can perform the second wireless communication.

In this case, the user environment information may include user identification information and second wireless communication support information, and the relay apparatus 100 having the wireless connection function may transmit the second wireless communication support information The user mobile terminal 300 can confirm whether or not the user mobile terminal 300 supports the second wireless communication and identify the user mobile terminal 300 through the user identification information.

The relay apparatus 100 having the serial communication and the two-way wireless connection function can perform the second wireless communication between the user mobile terminal 300 and the POS terminal 200. In this case, And transmits the second wireless communication connection information for connection to the user mobile terminal 300. At this time, the second wireless communication connection information may include the MAC address of the second wireless communication unit of the relay apparatus having the serial communication and the two-way wireless connection function.

Upon receiving the second wireless communication connection information from the relay apparatus 100 having the serial communication and the two-way wireless connection function, the user mobile terminal 300 terminates the first wireless communication, Communication with the second wireless communication unit MAC address of the relay apparatus 100 having the two-way wireless connection function.

The relay apparatus 100 having the serial communication and the two-way wireless connection function connected to the user mobile terminal 300 through the second wireless communication receives the payment request information from the POS terminal 200 connected to the serial communication and transmits the payment request information to the user mobile terminal 300 send. At this time, the settlement amount may be included in the settlement request information.

Upon receiving the payment request information from the relay apparatus 100 having the serial communication and the two-way wireless connection function, the user mobile terminal 300 displays the payment request information through the payment application 310 and selects the payment means from the user And transmits the payment means information.

Then, the relay apparatus 100 having the serial communication and the two-way wireless connection function transmits it to the POS terminal 200, and the POS terminal 200 processes the settlement with the payment means corresponding to the payment means information.

The present invention realizes serial communication and a 2-way wireless connection function to a relay device that relays data through a communication connection between a POS terminal and a user mobile terminal, connects to a POS terminal through serial communication, The connection speed is fast but the initial connection of the user mobile terminal is guided through the first wireless communication having the multi-specialty transmission / reception restriction (maintained within 10 cm), the communication connection speed to the initially connected user mobile terminal is slow, The second wireless communication connection of the user mobile terminal is induced by providing the second wireless communication connection information which is not available (several tens of meters away), thereby performing the payment with improved user convenience through the communication connection between the POS terminal and the user mobile terminal.

3 is a block diagram illustrating a configuration of a control unit of a relay apparatus having a serial communication and a two-way wireless connection function in a billing system using a relay apparatus having a serial communication and a two-way wireless connection function according to the present invention. 3, the control unit 140 includes a first wireless communication connection processing unit 141, an app identification information transmitting unit 142, a user environment information receiving unit 143, a connection information transmitting unit 144 And a second wireless communication connection processing unit 145.

The first wireless communication connection processing unit 141 performs a first wireless communication connection with the user mobile terminal 300 through the first wireless communication unit 120. For example, the first wireless communication connection processing unit 141 may process the wireless communication connection with the user mobile terminal 300 through an NFC (Near Field Communication) communication method.

When the first wireless communication connection processing unit 141 is connected to the user mobile terminal 300 through the first wireless communication unit 120, the app identification information transmitting unit 142 transmits the application identification information to the user mobile terminal 300 (AID) for wake up of the payment APP (APP) to the mobile terminal.

The user mobile terminal 300 receiving the app identification information executes the payment app corresponding to the app identification information, and transmits the user environment information to the relay device 100 having the serial communication and the two-way wireless connection function. At this time, if the payment application corresponding to the application identification information is not installed in the user mobile terminal 300, the payment application corresponding to the application identification information can be found in the application store or the like and downloaded to the mobile terminal.

The user environment information receiving unit 143 receives the user environment information from the user mobile terminal 300 that has executed the payment application corresponding to the application identification information through the first wireless communication unit 120. [ At this time, the user environment information may include user identification information and second wireless communication support information.

The connection information transmitting unit 144 analyzes the user environment information received by the user environment information receiving unit 143 to determine whether the user mobile terminal 300 can perform the second wireless communication, And transmits second wireless communication access information for the second wireless communication connection between the user mobile terminal 300 and the relay apparatus 100 to the user mobile terminal 300 when wireless communication is possible.

At this time, it can be determined whether the user mobile terminal 300 supports the second wireless communication based on the second wireless communication support information included in the user environment information, and the user mobile terminal 300 can be identified can do. The second wireless communication connection information may include a MAC address of the second wireless communication unit 130 of the relay apparatus 100 having a serial communication function and a two-way wireless connection function.

The second wireless communication connection processing unit 145 performs a second wireless communication connection with the user mobile terminal 300 connected using the second wireless communication connection information transmitted by the connection information transmission unit 144. [

For example, the user mobile terminal 300, which has received the second wireless communication access information from the relay apparatus 100 having the serial communication and the two-way wireless connection function, terminates the first wireless communication and includes it in the second wireless communication access information The second wireless communication connection processing unit 145 attempts to establish a second wireless communication connection with the MAC address of the second wireless communication unit 130 of the relay apparatus 100 having the serial communication and the two-way wireless connection function, And a second wireless communication connection with the user mobile terminal 300 by accepting a second wireless communication connection of the user mobile terminal 300 identified by the second wireless communication connection.

Accordingly, the relay apparatus 100 having the serial communication and the two-way wireless connection function is wired to the POS terminal 200 through the serial communication unit 110 and is connected to the POS terminal 200 through the second wireless communication unit 130, The mobile terminal 300 is wirelessly connected to the POS terminal 200 and the user mobile terminal 300 to perform communication with the POS terminal 200 and the user mobile terminal 300, have.

4 is a block diagram showing a configuration of a payment application installed in a user mobile terminal of a payment system using a relay device having a serial communication function and a two-way wireless connection function according to the present invention. 4, the payment app 310 according to this embodiment includes a payment request receiving unit 311, a payment means selection unit 312, and a payment means information transmission unit 313. [

The payment request receiving unit 311 receives payment request information from the POS terminal 200. [ When the relay apparatus 100 having the serial communication and the two-way wireless connection function is connected to the user mobile terminal 300 in the second wireless communication, the payment request information is received from the POS terminal 200 and transmitted to the user mobile terminal 300 do. At this time, the payment request information may include a payment amount.

The payment means selection unit 312 displays the contents of the payment request received by the payment request receiving unit 311 and selects a payment means from the user. For example, the payment unit selection unit 312 displays a content of a payment request including a payment amount through a user interface, and selects a payment unit such as a mobile credit card through a user operation.

When the payment means is selected through the payment means selection unit 312, And transmits the selected payment means information to the POS terminal 200. The payment means information transmitted by the payment means information transmission unit 313 is transmitted to the POS terminal 200 through the relay apparatus 100 having the serial communication and the two way wireless connection function, The terminal 200 processes the settlement with the settlement means corresponding to the settlement means information.

For example, the POS terminal 200 can process payment by transmitting a payment approval request including payment amount and payment means information to a bus server (not shown). The settlement processing procedure including the payment approval between the POS terminal 200 and the bank server is a general matter, and a detailed description thereof will be omitted.

The present invention realizes serial communication and a 2-way wireless connection function to a relay device that relays data through a communication connection between a POS terminal and a user mobile terminal, connects to a POS terminal through serial communication, The connection speed is fast but the initial connection of the user mobile terminal is guided through the first wireless communication having the multi-specialty transmission / reception restriction (maintained within 10 cm), the communication connection speed to the initially connected user mobile terminal is slow, Providing a second wireless communication connection of the user mobile terminal by providing the second wireless communication connection information which is not available (several tens of meters away) to provide a payment service with improved user convenience through a communication connection between the POS terminal and the user mobile terminal do.

The settlement checking operation of the settlement system using the relay apparatus having the serial communication and the two-way wireless connection function according to the present invention as described above will be described with reference to FIG. 5 is a flowchart illustrating an example of a settlement checking process of a billing system using a relay apparatus having a serial communication function and a two-way wireless connection function according to the present invention.

When the relay device having the serial communication and the two-way wireless connection function is operating in the NFC tag detection mode, if the user moves the user mobile terminal to the relay device having the serial communication and the two-way wireless connection function, The relay apparatus having the two-way wireless connection function performs the first wireless communication connection with the user mobile terminal. For example, the first wireless communication may be an NFC (Near Field Communication) communication method.

When the relay device having the serial communication and the two-way wireless connection function is connected to the user mobile terminal in the first wireless communication in step 410, in step 420, the relay device having the serial communication and the two- And transmits the APP identification information (AID) for the APP (Wake Up).

Then, the user mobile terminal, which has received the application identification information from the relay device having the serial communication and the two-way wireless connection function, executes the payment application corresponding to the application identification information, and transmits the user environment information to the mobile communication terminal having the serial communication and the two- To a relay device.

At this time, if a payment application corresponding to the application identification information is not installed in the user mobile terminal, the payment application corresponding to the application identification information can be found in the application store and downloaded to the mobile terminal.

Then, in step 430, the relay device having the serial communication and the two-way wireless connection function receives the user environment information from the user mobile terminal that has executed the payment application corresponding to the application identification information through the first wireless communication. At this time, the user environment information may include user identification information and second wireless communication support information.

Then, in step 440, the relay apparatus having the serial communication and the two-way wireless connection function analyzes the user environment information received from the user mobile terminal to determine whether the user mobile terminal can perform the second wireless communication, If possible, transmits second wireless communication access information for a second wireless communication connection between the user mobile terminal and the relay device to the user mobile terminal.

At this time, it is possible to confirm whether or not the user mobile terminal supports the second wireless communication based on the second wireless communication support information included in the user environment information, and identify the user mobile terminal through the user identification information. The second wireless communication connection information may include a MAC address of a second wireless communication unit of the relay apparatus having a serial communication function and a two-way wireless connection function. On the other hand, an encryption key for data encryption, which is transmitted and received through the second wireless communication together with the second wireless communication connection information, may be further transmitted.

Then, the user mobile terminal, which has received the second wireless communication access information from the relay device having the serial communication and the two-way wireless connection function, completes the first wireless communication in step 450 and uses the second wireless communication access information to perform the serial communication The second wireless communication connection is attempted to the relay apparatus having the two-way wireless connection function.

In step 460, the relay device having the serial communication and the two-way wireless connection function approves the second wireless communication connection with the user mobile terminal attempting to access the second wireless communication using the second wireless communication access information, 2 wireless communication is connected.

When the second wireless communication is established between the relay device having the serial communication and the two-way wireless connection function and the user mobile terminal, the POS terminal makes a payment request to the user mobile terminal in step 470. At this time, the payment request information may include the payment amount.

Upon receiving the payment request transmitted from the POS terminal through the relay device having the serial communication and the two-way wireless connection function, the user mobile terminal displays the contents of the payment request in step 480, selects the payment means from the user, And transmits the means information.

Upon receiving the payment means information from the user mobile terminal through the relay device having the serial communication and the two-way wireless connection function, the POS terminal processes the payment to the payment means corresponding to the payment means information in Step 490. For example, the POS terminal can process payment by transmitting a payment approval request including payment amount and payment method information to the server.

When the settlement is completed, the POS terminal transmits the settlement result and the receipt to the user mobile terminal in step 492, and the second wireless communication between the relay device having the serial communication and the two-way wireless connection function and the user mobile terminal is completed in step 494 . In this case, the steps 470 to 492 may be repeated a plurality of times until the second wireless communication between the relay device having the serial communication and the two-way wireless connection function and the user mobile terminal is completed and completed.

The present invention realizes serial communication and a 2-way wireless connection function to a relay device that relays data through a communication connection between a POS terminal and a user mobile terminal, connects to a POS terminal through serial communication, The connection speed is fast but the initial connection of the user mobile terminal is guided through the first wireless communication having the multi-specialty transmission / reception restriction (maintained within 10 cm), the communication connection speed to the initially connected user mobile terminal is slow, It is possible to provide a payment service with improved user convenience through communication connection between the POS terminal and the user mobile terminal by providing the second wireless communication access information of the user mobile terminal by providing the second wireless communication access information , The object of the present invention can be achieved.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. .

INDUSTRIAL APPLICABILITY The present invention is industrially applicable in the merchant payment technology field and its application field.

100: Relay device
110: serial communication unit
120: first wireless communication unit
130: second wireless communication unit
140:
141: first wireless communication connection processing section
142: App identification information transmission unit
143: User environment information receiver
144: Connection information transmission unit
145: second wireless communication connection processing unit
200: POS terminal
300: user mobile terminal
310: Billing Apps
311: Payment request receiver
312:
313: Payment means information transmission unit

Claims (8)

A relay device for controlling a communication connection between the POS terminal and the user mobile terminal;
A user terminal for loading a payment application for selecting a payment means in response to a payment request from a POS terminal connected to and communicated by the relay device;
A POS terminal for making a payment with a payment application installed in a user mobile terminal connected by the relay device and processing payment according to payment method selection from a payment application installed in the user mobile terminal;
A settlement system using a relay apparatus comprising:
Wherein the relay device comprises:
A serial communication unit connected in series with the POS terminal;
A first wireless communication unit that is initially connected to a user mobile terminal through a first wireless communication having a communication connection speed of at least a high speed and a multiple transmission / reception restriction;
A second wireless communication unit communicatively connected to the user mobile terminal through a second wireless communication which is slow in the communication connection speed after the initial connection or unlimited in the multi-specialty transmission / reception;
(APP) for wake-up with a user mobile terminal through first wireless communication with a user mobile terminal through a first wireless communication unit, while controlling the communication connection between the POS terminal and the user mobile terminal. AID: Application Identity), receives the user environment information from the user mobile terminal, determines whether the user mobile terminal can perform the second wireless communication, and if the user mobile terminal can perform the second wireless communication, 2 wireless communication connection information to the user mobile terminal and performs a second wireless communication connection with the user mobile terminal connected using the second wireless communication access information to transmit and receive the second wireless communication connection information between the POS terminal and the user mobile terminal A control unit for relaying the multiplexed professional data;
And a second wireless connection function. The billing system according to claim 1, further comprising: The method according to claim 1,
Wherein the control unit comprises:
A first wireless communication connection processing unit for performing a first wireless communication connection with a user mobile terminal through a first wireless communication unit;
When the first wireless communication connection processing unit is connected to the user mobile terminal through the first wireless communication unit, transmits the app identification information (AID) for wake up to the user mobile terminal through the first wireless communication unit An app identification information transmitting unit for transmitting the app identification information;
A user environment information receiving unit for receiving user environment information from a user mobile terminal that has executed a payment application corresponding to the application identification information through the first wireless communication unit;
The user environment information receiving unit analyzes the user environment information to determine whether or not the user mobile terminal can perform the second wireless communication, and when the user mobile terminal is capable of the second wireless communication, A connection information transmitting unit for transmitting the second wireless communication connection information to the user mobile terminal;
A second wireless communication connection processing unit for performing a second wireless communication connection with a user mobile terminal connected using the second wireless communication connection information transmitted by the connection information transmission unit;
And a relay apparatus having a serial communication and a two-way wireless connection function. 3. The method according to claim 1 or 2,
The payment application:
A payment request receiving unit for receiving a payment confirmation request from the POS terminal;
A payment means selection unit for displaying the contents of the payment request received by the payment request receiving unit and selecting a payment means from a user;
When the payment means is selected through the payment means selection means. A payment means information transmission unit for transmitting the payment means information to the POS terminal;
And a relay apparatus having a serial communication and a two-way wireless connection function. 3. The method according to claim 1 or 2,
Wherein the relay apparatus having the serial communication and the two-way wireless connection function comprises:
And is implemented in the form of a signature pad or a dongle connected to the POS terminal. The billing system using the relay device having the serial communication and the two-way wireless connection function. 3. The method according to claim 1 or 2,
Wherein the first wireless communication unit comprises:
Wherein the mobile terminal is wirelessly connected to the user mobile terminal through an NFC (Near Field Communication) communication method. 3. The method according to claim 1 or 2,
Wherein the second wireless communication unit comprises:
Wherein the mobile communication terminal is wirelessly connected to the user mobile terminal through a Bluetooth communication method. The billing system using the relay device has a serial communication function and a two-way wireless connection function. 3. The method according to claim 1 or 2,
Wherein the user environment information comprises:
Wherein the second wireless communication support information includes user identification information and second wireless communication support information. The billing system using a relay apparatus having a serial communication function and a two-way wireless connection function. 3. The method according to claim 1 or 2,
Wherein the second wireless communication connection information is:
And a MAC address of a second wireless communication unit of the relay apparatus having a serial communication and a two-way wireless connection function.

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