KR102040100B1 - Mobile automatic payment method and system based on otp - Google Patents

Abstract

An implementation of the present invention relates to a payment processing device in which a mobile automatic payment program using the one-time password (OTP) is installed and a mobile automatic payment method based on the OTP of a mobile device, the method comprising: a step (a) that a payment processing device receives user identification information and a payment request from a user; a step (b) that a service server receives the user identification information, payment processing device identification information, and payment information from the payment processing device, and recognizes the mobile device of the user based on the user identification information; a step (c) that the service server confirms validity of the payment processing device by using a mobile automatic payment program using the OTP installed at the payment processing device; a step (d) that the payment processing device and the mobile device authenticate each other by using the OTP generated by the mobile automatic payment program using the OTP; a step (e) that a financial corporation server determines whether payment is possible by using the user identification information and the payment information; and a step (f) that, when the step (c) and the step (e) are satisfied, the service server approves the payment request.

Description

Mobile payment method based on one time password (OTP) and system using same {MOBILE AUTOMATIC PAYMENT METHOD AND SYSTEM BASED ON OTP}

The present invention relates to a one-time password (OTP) -based mobile automatic payment method and a system using the same. More specifically, OTP-based mobile payment is automatically made without a user directly operating a mobile device during transactions It relates to an automatic payment method and a system using the same.

Recently, as smart phones have become a necessity, various mobile payments using smart phones have been provided. Generally, the mobile payment is complicated by taking out a mobile device, executing a payment application, selecting a payment method, and performing a security authentication process.

In order to simplify the complexity of the payment, the payment method is made by contacting the payment method to the merchant terminal using local area communication technology, or the simple payment that the payment is made by entering the payment password registered in advance in the mobile electronic wallet app. It is proposed.

However, such a simple payment method is also a method that can be taken out of the mobile device, there is a problem that the waiting time may occur in the process because the mobile device to take out the application. In addition, the payment password, there is a risk of leakage of the payment password may cause problems in security.

Therefore, the present invention was created to solve the above problems, an object of the present invention is to simplify the mobile payment process, and if the user inputs the identification information set in advance in the payment processing device without a separate operation of the mobile device It is to provide a one-time password (OTP) -based mobile automatic payment method and system that automatically makes mobile payment.

It is also an object of the present invention to provide an OTP-based mobile automatic payment method and system for enhancing the security of mobile payment using OTP.

In order to achieve the above object, in a payment processing device and a mobile device, the OTP-based mobile automatic payment method installed with a mobile automatic payment program using a one time password (OTP) according to an embodiment of the present invention, (a) payment Receiving, by the progress device, user identification information and a payment request; (b) receiving, by the service server, the user identification information, the payment processing device identification information, and the payment information from the payment processing device, and recognizing the mobile device of the user based on the user identification information; (c) checking, by the service server, the validity of the payment processing device using a mobile automatic payment program using an OTP installed in the payment processing device; (d) the payment processing device and the mobile device authenticating each other using an OTP generated by a mobile automatic payment program using the OTP; (e) a financial company server determining whether payment is possible using the user identification information and payment information; And (f) if the steps (c) to (e) are satisfied, approving the payment request by the service server.

The user identification information may be matched with the mobile device.

In the step (b), the service server receives the OTP of the payment processing device generated by the mobile payment program using the OTP installed in the payment processing device; And confirming, by the service server, the validity of the payment processing apparatus using the payment processing apparatus identification information and the OTP of the payment processing apparatus; It may include.

The step (b) may include receiving, by the service server, at least one of real-time location information or communication access information of the payment processing device; It may further include.

The mobile device may receive a short-range communication activation signal from the service server to turn on the short-range communication mode.

The short range communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, NFC communication, and Wi-Fi.

The step (d) may include: broadcasting, by the mobile device, a first OTP generated by a mobile automatic payment program using an OTP installed in the mobile device according to a command of the service server; Broadcasting, by the payment processing device, a second OTP generated by a mobile automatic payment program using an OTP installed in the payment processing device according to a command of the service server; And detecting, by the mobile device and the payment processing device, the local area communication unit names for a predetermined time by local area communication. The mobile device detects the second OTP, and when the payment processing device detects the first OTP, the mobile device and the payment processing device may be authenticated with each other.

Step (d) may include: measuring, by the mobile device, a first distance from the mobile device to the payment processing device by short-range communication; Measuring a second distance from the payment processing device to the mobile device by short-range communication of the payment processing device; And receiving, by the service server, the first distance and the second distance, and determining whether the first distance and the second distance are within a set distance. It may further include.

Step (d) may include receiving, by the service server, an OTP of a mobile device generated by a mobile automatic payment program using an OTP installed in the mobile device; And checking, by the service server, validity of the mobile device using the OTP of the mobile device. It may further include.

The user identification information may be matched with the mobile device.

The user identification information may include at least one payment source, and the user identification information may have a different value for each payment source.

OTP-based mobile automatic payment system according to another embodiment of the present invention is a mobile device having a short-range communication function, the mobile automatic payment program is installed using the OTP; A mobile payment program installed using the OTP, and a payment processing device for allowing a user to request payment online or offline; And receiving the OTP generated by the mobile automatic payment program using the OTP installed in the mobile device and the payment processing device, respectively, and confirming the validity of the mobile device and the payment processing device, and generating the mobile automatic payment program using the OTP. A service server approving the payment request when the mobile device and the payment processing device are authenticated by the OTP and the local area communication; It may include.

The service server receives the OTP of the payment processing device generated by the mobile automatic payment program using the OTP installed in the payment processing device, and uses the payment processing device identification information and the OTP of the payment processing device of the payment processing device. It may be characterized by checking the justification.

The mobile device may be characterized in that the short-range communication mode is turned on by receiving a short-range communication activation signal from the service server.

The short range communication may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, NFC communication, and Wi-Fi.

The mobile device and the payment processing device broadcasting a first OTP generated by a mobile automatic payment program using an OTP installed in the mobile device; Broadcasting, by the payment processing device, a second OTP generated by a mobile automatic payment program using an OTP installed in the payment processing device according to a command of the service server; And detecting, by the mobile device and the payment processing device, the local area communication unit names for a predetermined time by local area communication. When the mobile device detects the second OTP and the payment processing device detects the first OTP, the mobile device and the payment processing device may be authenticated with each other.

The service server is a distance measured by the mobile device from the mobile device to the payment processing device by short-range communication and the distance measured by the payment processing device from the payment processing device to the mobile device by short-range communication. If determined to be within, it may be characterized in that the approval of the payment request.

As described above, according to the exemplary embodiment of the present invention, even if the mobile device is not taken out, the payment proceeds, so that the time required to execute the application of the mobile device is omitted, thereby enabling quick payment.

In addition, payment is simplified because the mobile device does not have to be taken out.

In addition, according to an embodiment of the present invention, since a one-time password (OTP) is used, there is no problem of leakage of a payment password, thereby improving security.

In addition, according to an embodiment of the present invention, since the near field communication mode is turned on by receiving the near field communication activation signal from the service server, unnecessary battery consumption of the mobile device may be prevented.

1 is a system diagram of a one time password (OTP) based mobile automatic payment system according to an embodiment of the present invention.
2 is a block diagram of a mobile device providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.
3 is a block diagram of a service server providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.
4 is a block diagram of a payment processing device providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.
5 is a flowchart illustrating an OTP-based mobile automatic payment method according to an embodiment of the present invention.
6 is a flowchart illustrating an OTP-based mobile automatic payment method according to an embodiment of the present invention.

Description of the present invention is only an embodiment for structural or functional description, the scope of the present invention should not be construed as limited by the embodiments described in the text. That is, since the embodiments may be variously modified and may have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, the objects or effects presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereby.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Terms such as "first" and "second" are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms. For example, the first component may be named a second component, and similarly, the second component may also be named a first component.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "comprise" or "have" refer to a feature, number, step, operation, component, part or implementation thereof. It is to be understood that the combination is intended to be present and does not exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, actions, components, parts or combinations thereof. Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention will be described in detail as follows.

In each step, an identification code (e.g., a, b, c, etc.) is used for convenience of explanation, and the identification code does not describe the order of the steps, and each step is clearly contextual. Unless stated otherwise, different order may occur. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

The present invention can be embodied as computer readable code on a computer readable recording medium, and the computer readable recording medium includes all kinds of recording devices in which data can be read by a computer system. . Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like, and are also implemented in the form of a carrier wave (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. Generally, the terms defined in the dictionary used are to be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present application.

1 is a system diagram of a one time password (OTP) based mobile automatic payment system according to an embodiment of the present invention.

Referring to Figure 1, OTP-based mobile automatic payment system according to an embodiment of the present invention is near field communication 100, mobile device 200, service server 300, payment processing device 400 and financial company server 500 It includes.

The short-range communication 100 means short-range communication that can be used to perform the OTP-based mobile automatic payment method according to an embodiment of the present invention. The short range communication 100 may be one of Bluetooth communication, high frequency communication, RFID communication, beacon communication, NFC communication, and Wi-Fi, but is not limited thereto.

In addition, the short-range communication unit 270, 470 may be integrally included in the mobile device 200 and the payment processing device 400 described in detail below, or may be provided detachably.

The mobile device 200 refers to a mobile device which is carried by the user when the mobile payment is automatically made using the OTP-based mobile payment method, and has a communication function through a short-range communication service and a telecommunications company. Smartphones, tablet PCs, mobile PCs, various wearable devices may correspond to this.

In order to perform the OTP-based mobile automatic payment method according to an embodiment of the present invention, the mobile device 200 is equipped with a mobile automatic payment program (not shown) using an OTP, and the user uses the mobile device 200. Through the automatic payment program using the OTP may already be registered and automatically logged in.

The service server 300 is the mobile device 200 and the payment processing device 400 when the user is already registered and automatically logged in to the mobile automatic payment program using the OTP through the mobile device 200 When the distance between them does not exceed a specified distance by wired or wireless connection to the mobile automatic payment program using the OTP installed in the mobile device 200 and the payment processing device 400 by activating the mobile automatic payment program Receiving each OTP generated in the (not shown) to authenticate the mobile device 200 and the payment processing device 400, and may approve a payment request.

The payment processing apparatus 400 is provided with a communication function through a short-range communication and a communication company so that when a user inputs user identification information for payment in an online and offline payment environment, the user does not need to operate the mobile device 200. It means a device that can make a payment. The payment processing device 400 is any device that can perform a payment function offline, such as POS (Post Of Sale), kiosk (Kiosk), smart phones and tablet PCs, wearable devices and various mobile communication devices of the offline store This may be the case.

In order to perform the OTP-based mobile automatic payment method according to an embodiment of the present invention, the payment progress apparatus 400 is provided with a mobile automatic payment program (not shown) using OTP, and the payment progress apparatus 400 is OTP. In the mobile automatic payment program using the membership and may be already logged in automatically.

The financial company server 500 refers to a server that determines whether payment is possible using the user identification information and payment information brokered through the service server 300. It refers to all companies that provide payment services such as credit card companies, banks and internet banks.

2 is a block diagram of a mobile device 200 providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.

2, the mobile device 200 according to an embodiment of the present invention is a data transmission and reception unit 210, OTP generation unit 230, distance calculation unit 250 for transmitting and receiving data with the service server 300 and The local area communication unit 270 may be included.

The mobile device 200 may generate an OTP in the OTP generation unit 230 by an OTP-based mobile payment program. Since the OTP is generated in synchronization with the OTP generating unit of the service server, the service server can check the validity of the mobile device 200 using this.

The distance calculator 250 may measure a first distance from the mobile device 200 to the payment processing apparatus 400 by short-range communication.

The short range communication unit 270 may broadcast a short range communication unit name of the mobile device 200 from the service server, and detect a short range communication unit name of a payment processing device.

3 is a block diagram of a service server 300 providing an OTP-based mobile automatic payment method according to an embodiment of the present invention.

Referring to Figure 3, the service server 300 according to an embodiment of the present invention is a data transmission and reception unit 310, OTP-based mobile automatic payment DB 330, legitimacy confirmation unit 350, command unit 370, distance The determination unit 390 and the payment availability check unit 395 may be included.

The OTP-based mobile automatic payment DB (310) includes a subscription information, user identification information, payment log, mobile device 200 or payment progress device 400 identification information of the mobile automatic payment program using the user's OTP, An OTP generation unit 331 and an OTP determination unit 333 for generating an OTP in synchronization with an OTP generated for each mobile device and a payment processing device may be included.

 The user identification information is set when the user subscribes to the mobile automatic payment program using the OTP through the mobile device 200 or before the mobile automatic payment method according to the embodiment of the present invention, and means all information that can identify the user. can do.

For example, it may be a character created by combining some or all of numbers, letters, special symbols, etc., or biometric information of the user, such as a user's fingerprint, voice, or iris, and may be an automobile registration number.

The user identification information may be matched 1: 1 with the mobile device of the user, and a single mobile device may include a plurality of user identification information.

The user identification information may vary depending on the payment source. For example, the user identification information may be set differently for each of the first card, the second card, and the third card of the user, so that the user may select a payment card to be paid according to the user identification information input to the payment processing device. Can be.

For example, if Honggil-dong's Samsung card is set for 079203 and Honggil-dong Emart Card for 079202, Honggil-dong uses 0792 as his common identification information and 03, 02 as his payment source identification. In the case of using a plurality of pieces of identification information combined with payment source identification information, each user identification information may be 1: 1 matched with the payment source used by the user.

Therefore, the user can select a payment card using different user identification information without removing the mobile device.

The service server 300 may receive the local area communication unit name and the distance calculation value detected by the mobile device 200 and the payment processing device 400 through the data transmission and reception unit 310.

The OTP generation unit 331 generates an OTP in the same manner by synchronizing with the OTP generation unit of the mobile device or the payment processing device in which the mobile automatic payment program is installed. The OTP determining unit 333 determines whether the OTP received from the mobile device and the payment processing device and the OTP generated by the OTP generating unit 331 are the same.

The validity check unit 350 compares the OTP generated according to the OTP generation method of the payment processing device corresponding to the OTP-based mobile automatic payment DB from the identification information of the payment processing device and the OTP generated by the payment processing device. The validity of the payment processing device can be confirmed. In addition, the OTP-based mobile payment DB can compare the OTP generated according to the OTP generation method of the mobile device corresponding to the OTP generated by the mobile device to verify the validity of the payment processing device.

The command unit 370 transmits a name of each local area communication unit to the local area communication device activation command unit 371, the mobile device and the payment processing device to give an activation command of the local area communication device to the mobile device, and the mobile device and the payment processing device. A broadcasting command unit 373 that issues a broadcasting command of a local area communication device name to and a command to calculate a first distance from the mobile device to the payment processing device and a second distance from the payment processing device to the mobile device. The distance calculation command unit 375 may be included.

The distance determining unit 390 may determine whether the mobile device and the payment processing device are within a distance capable of short-range communication from the distance received from the mobile device and the payment processing device.

In addition, it may further include a payment availability check unit (399) to check whether the payment source is available for payment through the financial company server.

4 is a block diagram of a payment processing device 400 that provides an OTP-based mobile automatic payment method according to an embodiment of the present invention.

Referring to FIG. 4, the payment processing apparatus 400 according to the embodiment of the present invention includes an input unit 405, a data transmission / reception unit 410, an OPT generation unit 430, and a distance calculation unit in which a user inputs identification information. 450 and a near field communication unit 470.

The user may input user identification information through the input unit 405. The input unit 405 may be embedded in the payment processing device 400 or may be separately attached.

The payment processing apparatus 400 may generate the OTP in the OTP generation unit 430 by an OTP-based mobile payment program. Since the OTP is generated in synchronization with the OTP generating unit of the service server, the service server may check the validity of the payment processing apparatus 400 using this.

The distance calculator 450 may measure a second distance from the payment processing device 400 to the mobile device 200 by short-range communication.

The short range communication unit 470 may broadcast the short range communication unit name of the payment processing apparatus 400 from the service server, and detect the short range communication unit name of the mobile device.

5 and 6 are flowcharts illustrating an OTP-based mobile automatic payment method according to an embodiment of the present invention.

5 and 6, the OTP-based mobile automatic payment method according to an embodiment of the present invention begins by the user inputs the user identification information to the input unit 405 of the payment processing device 400 to make a payment request ( S100).

As described above, the user identification information includes all information that can identify the user, for example, a letter made by combining some or all of numbers, letters, special symbols, etc., or a user's biometrics such as a fingerprint, voice, or iris. Information, and may be a car registration number.

When the user's identification information is input, the payment processing device 400 generates an OTP in the OTP generation unit 430 of the payment processing device 400 in which the mobile automatic payment program using the OTP is installed (S150). The user identification information, the payment processing device identification information, the payment information, and the OTP of the payment processing device 400 are transmitted to the service server 300 through the transmitter 410 (S200).

The service server 300 checks the validity of the payment processing device 400 by using the payment processing device 400 identification information and the OTP of the payment processing device 400 received in step S200 (S300). The OTP generated by the OTP generation unit 331 corresponding to the identification information of the payment processing device 400 and the OTP of the payment processing device received from the payment processing device 400 may be compared with each other. Justification can be confirmed.

The OTP-based mobile automatic payment DB 330 of the service server 300 has an OTP generation unit for each payment processing device, and the OTP generation unit is linked with the payment processing device 400 to generate an OTP in the same manner. Accordingly, the payment processing device 400 by comparing the OTP generated by the OTP generation unit 331 of the OTP-based mobile automatic payment DB 330 of the service server 300 and the OTP generated by the payment processing device 400. You can verify the validity of.

At this time, in order to increase the reliability in checking the validity of the payment processing device 400, the service server 300 is the location information of the payment processing device 400, such as GPS, carrier cell ID information or the payment processing device 400 Can receive more carrier connection information. The validity of the payment processing device may be further confirmed by using the information upon subscription of the mobile automatic payment program using the OTP of the payment processing device 400 and the received location information or communication company access information.

When the validity of the payment processing device 400 is confirmed in step S300, the short-range communication unit activation command unit 371 of the service server 300 is matched with the user identification information received from the payment processing device 400 is mobile When the near field communication unit is activated to the device 200 (S400) and the validity of the payment processing device 400 is not confirmed, the process returns to step S200 again.

The local area communication unit 270 of the mobile device 200 is the local area communication unit 270 according to the local area communication unit activation command of the local area communication unit activation command unit 371 of the service server, so that the mobile device 200 To prevent battery consumption. In addition, since the near field communication unit is automatically turned on according to the near field communication unit activating command, the mobile device 200 may make a payment without removing the mobile device 200. The local area communication unit 270 of the mobile device 200 may turn off the local area communication mode when the payment is completed from the service service.

Thereafter, in step S500, the broadcasting command unit 373 of the service server 300 transmits the name of the short-range communication unit of the payment processing device 400 to the mobile device 200, and of the mobile device 300 Instructs the local area communication unit to broadcast its name. In addition, the broadcasting command unit 373 of the service server 300 transmits the short-range communication unit name of the mobile device 200 to the payment processing unit 400, the broadcasting command unit 375 is the payment process Instructs the local area communication unit name of the apparatus 400 to be broadcast.

At this time, the short-range communication unit name of the mobile device 200 is the first OTP generated by the OTP generation unit 230 of the mobile device 200, the short-range communication unit name of the payment processing device 400 is the payment progress device ( A second OTP generated by the OTP generating unit 430 of 400. Accordingly, the first OTP may be separate from the OPT used to verify the validity of the mobile device 200, and the second OTP may be separate from the OTP used to verify the validity of the payment processing device 400. Can be.

The OTP-based mobile automatic payment DB 330 of the service server 300 has an OTP generation unit for each payment processing device and mobile device, and the OTP generation unit is linked with the corresponding payment processing device or mobile device to generate OTP in the same manner. do. That is, the OTP generator of the service server 300 generates the same OTP as the first OTP generated by the mobile device 200 and the second OTP generated by the payment processing apparatus 400, respectively. Accordingly, the broadcasting command unit 373 of the service server 300 delivers the second OTP of the payment processing device 400 to the mobile device 300, and transmits the first OTP of the mobile device 300. Command to broadcast. In addition, the payment processing apparatus 400 is delivered to the first OTP of the service server 300, the payment processing device 400, the command to broadcast the second OTP.

That is, the OTP-based mobile automatic payment method according to an embodiment of the present invention, instead of the short-range communication unit name of the mobile device and the payment processing device, the mobile device using the OTP generated by the OTP generation unit by the mobile automatic payment program using the OPT. And payment processing device detect each other. Therefore, since the mobile device and the payment processing device generate a new OTP each time a payment request is detected, the mobile device and the payment processing device are more accurate than the method of detecting the mobile device and the payment processing device based on the conventional short-range communication unit name. Higher security.

In addition, the distance calculation command unit 375 of the service server 300 issues a distance calculation command using short-range communication to the mobile device 200 and the payment processing device 400 (S550).

Accordingly, the mobile device 200 broadcasts the first OTP generated by the mobile device 200 (S600) and detects the second OTP generated by the payment processing device 400 using local area communication (S600). S650), the payment processing device 400 broadcasts the second OTP generated by the payment processing device 400 (S600) and detects the first OTP generated by the mobile device 200 using short-range communication. (S650) When the mobile device 200 does not detect the second OTP or the payment processing device 400 does not detect the first OPT, the mobile device 200 and the payment processing device 400 use the mobile automatic OTP. Payment cannot proceed because the payment program is not available.

When the mobile device 200 detects the second OTP and the payment processing device 400 detects the first OTP (S730), the distance calculator 250 of the mobile device 200 determines the mobile device. Calculate the first distance from the 200 to the payment processing device 400 and sends the value to the service server 300, the distance calculation unit 450 of the payment processing device 400 is the payment processing device The second distance from 400 to the mobile device 200 is transmitted to the service server 300.

The distance determining unit 390 of the service server 300 determines whether the first distance and the second distance are within a set distance (S740). The set distance is a distance that the mobile device 200 and the payment processing device 400 can detect each other by near field communication.

In this case, in order to improve security in the payment process, it may additionally confirm the legitimacy of the mobile device 200. An OTP is generated in the OTP generating unit 230 of the mobile device 200 (S760) and transferred to the service server 300 (S770). The OTP determination unit 333 of the service server 300 is an OTP generated by the OTP generation unit 331 corresponding to the identification information of the mobile device 200 and the OTP of the mobile device received from the mobile device 200. The validity of the mobile device 200 may be compared by comparing the control with the mobile device 200 (S780).

The OTP-based mobile automatic payment DB 330 of the service server 300 has an OTP generation unit for each mobile device, and the OTP generation unit is linked with the corresponding mobile device 200 to generate an OTP in the same manner. Therefore, the OTP generated by the OTP generation unit 331 of the OTP-based mobile automatic payment DB 330 of the service server 300 is compared with the OTP generated by the mobile device 200 of the mobile device 200. Justification can be confirmed.

If it is determined that the first distance and the second distance are within a set distance (S740), the service server 300 requests the financial institution server 500 whether or not payment is possible (S900).

The financial company server 500 checks the balance of the payment source according to the user identification information input by the user and determines whether payment by the payment amount is possible (S900). If the financial company server 500 determines that payment is possible (S930), it is transmitted to the service server 300 (S950).

Accordingly, if the service server 300 approves the payment request (S970), the OTP-based mobile automatic payment method according to the embodiment of the present invention ends. The local area communication unit 270 of the mobile device 200 may turn off the local area communication mode when the payment is completed from the service service.

That is, in the OTP-based mobile automatic payment method according to an embodiment of the present invention, the validity of the mobile device 200 and the payment processing device 400 is confirmed based on the OTP, and the mobile device 200 and the payment processing device 400 are verified. ) Detect each other within a set time by local area communication, and the first distance from the mobile device 200 detected by the mobile device 200 to the payment progress device 400 and the payment progress device 400 detected. When the second distance from the progressing device 400 to the mobile device 200 is within a predetermined distance, payment may be performed. Therefore, even if the user does not take out the mobile device, when the user's identification information is input to the payment processing device 400, the payment is automatically approved by the OTP-based mobile automatic payment method, thereby making the user's payment process convenient. In addition, the OTP is used to check the validity of the payment processing device 400 and the mobile device 200, so that the security is further improved compared to the conventional mobile payment method.

OTP-based mobile automatic payment method according to an embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device and the like. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

Although the preferred embodiments of the present invention have been described above, the present invention is not limited to the above embodiments, and easily changed and equalized by those skilled in the art from the embodiments of the present invention. It includes all changes to the extent deemed acceptable.

100: near field communication
200: mobile device
210, 310, 410: data transmission and reception unit
230, 430: OTP generator
250, 450: distance calculation unit
270, 470: Local area communication
300: service server
330: OTP-based mobile automatic payment DB
350: Justification Department
370 command
390: distance judgment unit
395: Confirmation of payment availability
400: payment processing device
405: input unit
500; Finance company server

Claims (17)

Transmitting, by the payment processing device, the user identification information to the service server;
Providing, by the service server, a local area communication unit name of the payment processing device to the mobile device corresponding to the user identification information, and providing a local area communication unit name of the mobile device to the payment processing device; And
Broadcasting, by the mobile device, a local area communication unit name of the mobile device;
Broadcasting, by the payment processing apparatus, a short-range communication unit name of the payment processing apparatus;
Generating, by the mobile device or the payment processing device, information indicating whether short-range communication between the payment processing device and the mobile device is possible and transmitting the generated information to the service server; And
If the service server determines that short-range communication between the payment processing device and the mobile device is possible, a subsequent step for approving the requested payment request from the payment processing device using the payment source according to the user identification information is executed. Making;
Including,
Mobile automatic payment method. Receiving, by the service server, user identification information from the payment processing device;
Providing, by the service server, a local area communication unit name of the payment processing device to the mobile device corresponding to the user identification information, and providing a local area communication unit name of the mobile device to the payment processing device; And
Receiving, by the service server, information indicating whether short-range communication between the payment processing device and the mobile device is possible from the payment processing device or the mobile device;
Including;
If the service server determines that short-range communication between the payment processing device and the mobile device is possible, a subsequent step for approving the requested payment request from the payment processing device using the payment source according to the user identification information is executed. It is supposed to
The mobile device is configured to broadcast a local area communication unit name of the mobile device, and
The payment processing device, characterized in that for broadcasting the short-range communication unit name of the payment processing device,
Mobile automatic payment method. delete The method of claim 2, wherein the subsequent step is executed only when the service server determines that short-range communication is possible between the payment processing device and the mobile device. The method of claim 2,
The service server, before the providing step, further comprising the step of receiving a short-range communication unit name of any one of the device and the payment processing device and the mobile device from the one of the devices,
Mobile automatic payment method. delete The method of claim 2, wherein the short-range communication unit name of any one of the payment processing device and the mobile device is an OTP generated by the one device. The method of claim 2,
The short-range communication unit name of the payment processing device is a second OTP generated by the payment processing device,
The short-range communication unit name of the mobile device is a first OTP generated by the mobile device,
Mobile automatic payment method. The apparatus of claim 2, wherein any one of the payment processing device and the mobile device recognizes a short-range communication unit name of the other device broadcasted by the other of the payment processing device and the mobile device. And generating information indicating whether short-range communication between the payment processing device and the mobile device is possible. The method of claim 2, wherein the subsequent step includes requesting, by the service server, a financial institution server whether payment is possible using a payment source according to the user identification information. The method of claim 10,
The subsequent step is,
If the service server receives a result from the financial company server that the payment is possible using the payment source according to the user identification information, the service server further comprises the step of approving the payment request from the payment processing device,
Mobile automatic payment method. The method of claim 2,
Receiving the user identification information,
Receiving, by the service server, the payment processing device identification information from the payment processing device;
Receiving, by the service server, the OTP generated by the payment processing device from the payment processing device;
Generating, by the service server, an OPT according to an OTP generation method corresponding to the payment processing device identification information; And
Checking, by the service server, the validity of the payment processing device by comparing the OTP generated by the service server with the OTP generated by the payment processing device;
Including;
If only the validity of the payment processing apparatus is confirmed, it is characterized in that the subsequent steps for approving the payment request is executed,
Mobile automatic payment method. The mobile communication device of claim 2, wherein the payment processing device detects a near field communication name of the mobile device and the mobile device detects a near field communication name of the payment processing device, wherein the mobile device and the payment processing device are authenticated to each other. Characterized in that, the mobile automatic payment method. The method of claim 2,
Any one of the payment processing device and the mobile device recognizes a short-range communication unit name of the other device broadcasted by the other of the payment processing device and the mobile device, and the one device. To measure the distance from the device to the other device,
The service server receives the distance from any one of the devices, and performs a subsequent step of approving the payment request only if the distance is smaller than a preset distance.
Mobile automatic payment method. The method of claim 2,
After receiving the user identification information from the payment processing device,
Transmitting, by the service server, a local area communication activation signal to the mobile device instructing the mobile device corresponding to the user identification information to switch the local area communication mode of the mobile device to an on state; ,
Mobile automatic payment method. The method of claim 13,
The process of authenticating the mobile device and the payment processing device with each other,
Receiving, by the service server, the OTP generated by the mobile device from the payment processing device;
Generating, by the service server, an OPT according to an OTP generation method of the mobile device; And
Checking, by the service server, validity of the mobile device by comparing the OTP generated by the service server with the OTP generated by the mobile device;
Including;
Only if the legitimacy of the mobile device is confirmed, a subsequent step of approving the payment request is executed.
Mobile automatic payment method. The method of claim 2, wherein the receiving of the user identification information comprises receiving, by the service server, at least one of real-time location information and communication connection information of the payment processing device.

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