KR102318112B1 - In-vehicle remote payment method and remote payment system for automated remote payment through data encryption processing and authentication - Google Patents

Abstract

The present invention relates to a method for in-vehicle remote payment for automated remote payment through data encryption processing and authentication, which includes: a step in which a service providing device at a store detects vehicle approach and notifies a sale processor of the approach; a step in which the service providing device establishes communication connection with the vehicle; a step in which the service providing device checks whether the vehicle is capable of automatic remote payment; a step in which the service providing device transmits, to the vehicle, supply data including one of product and service options handleable and providable at the store when it is determined that the vehicle is capable of automatic remote payment; a step in which the service providing device requests the vehicle to transmit vehicle identification data in order to start a transaction with the vehicle; a step in which the vehicle transmits the encrypted vehicle identification data to a network; a step in which the sale processor notifies the network of a cost payment procedure execution schedule; a step in which the remote payment system of the vehicle generates a payment cryptogram including a payment amount calculated based on ordered product or service information and transmits the payment cryptogram to the network; and a step in which the network executes a payment procedure by requesting payment authentication to a user.

Description

In-vehicle remote payment method and remote payment system for automated remote payment through data encryption processing and authentication

The present invention relates to an in-vehicle remote payment method and remote payment system for automated remote payment through data encryption processing and authentication.

Untact, which is attracting attention due to the coronavirus pandemic, is a neologism that adds Un meaning negation or opposition to Contact, which means contact. It is predicted that this untact culture will continue even after the corona pandemic is over. Consumers have found that they can purchase necessary products and receive services with a simple click through a mobile app or the Internet, without having to spend time visiting stores or making unnecessary face-to-face contact as in the past. Due to this non-face-to-face daily life, a big change is taking place in the automobile industry. Among them, the In Car Payment System is what the automobile industry is rushing to introduce to provide more convenient, simpler, and more private services to customers. The Encarment System is a system developed so that the driver can pay more conveniently when using a gas station, F&B, repair shop, sales office, expressway toll booth, and parking lot by installing a payment system inside the car. The biggest advantage of the encaeration system is that it is possible to pay automatically without getting out of the car or contacting anyone unnecessarily for payment. Until now, to pay while using a vehicle, you had to tag a credit card into the terminal or enter a QR code or barcode for payment. Or, if you want to pay with cash, you have to face someone inevitably. It is a system that inevitably causes inconvenience to consumers who are accustomed to the untact culture. However, the accreditation system is a truly untact-based system that automatically makes payments without unnecessary contact based on the vehicle's location information and payment information. It is possible to receive various non-face-to-face automatic payment services by transmitting the vehicle's location and estimated time of arrival to the store to visit through the unique number of the vehicle assigned in advance. For example, when a vehicle with an en-carriage system is applied, simply entering a gas station or drive-thru store, the vehicle identification number and payment method are automatically recognized. Since there is no need for it, attention is focused on the development of the encapsulation system.

Republic of Korea Patent Publication No. 10-2179528 Republic of Korea Patent Publication No. 10-1939187

In the case of an in-vehicle payment system, not only personal information but also vehicle identification information is required, and since vehicle identification information and user identification information are integrated and managed, higher security is required, so a remote payment method and remote payment system with improved security can provide

Embodiments may provide an in-vehicle remote payment method and remote payment system for automated remote payment through data encryption processing and authentication.

The embodiment may provide a remote payment method and a remote payment system that allow a service to be paid remotely within a vehicle and a prepared service can be stably provided by analyzing the identity and biometric information of a vehicle occupant.

In an embodiment, the service providing apparatus provided in the store detects the proximity of the vehicle and notifies the sales processor of the proximity of the vehicle; establishing, by the service providing apparatus, a communication connection with the vehicle; The service providing device may include: checking whether the vehicle is capable of automatic remote payment; transmitting, by the service providing apparatus, supply data including any one of a product option handled in the store and a service option available at the store, to the vehicle when it is determined that the vehicle is capable of automatic remote payment; requesting, by the service providing apparatus, transmission of vehicle identification data to the vehicle to initiate a transaction with the vehicle; transmitting, by the vehicle, encrypted vehicle identification data to a network; notifying, by the sales processor, that a payment procedure is scheduled to proceed to the network; generating, by the remote payment system of the vehicle, a payment encrypted text including a payment amount calculated on the basis of ordered product or service information, and transmitting it to the network; And the network may provide a remote payment method in the vehicle for automated remote payment through data encryption processing and authentication comprising; requesting payment authentication from the user to proceed with the payment procedure.

In another aspect, the step of the network requesting payment authentication from the user to proceed with the payment procedure, the network requesting the user to proceed with the authentication procedure for payment through the multimedia center; Data including It is possible to provide an in-vehicle remote payment method for automated remote payment through encryption processing and authentication.

In another aspect, the step of the network requesting payment authentication from the user to proceed with the payment procedure may include: decrypting the vehicle identification data by the network using a public key; The network compares the decoded vehicle identification data with the vehicle identification data stored from the vehicle database, and if the decoded vehicle identification data matches the stored vehicle identification data, approving and paying the transaction; and the network notifying the service providing device of successful approval of the transaction; may provide a remote payment method in the vehicle for automated remote payment through data encryption processing and authentication further comprising a.

In another aspect, the multimedia center comprises the steps of displaying product information including information on products or services available in the store received from the service providing device, and cost information according to an order for each product or service; displaying, by the multimedia center, an order voice input affordance when the multimedia center and the user's portable terminal are paired with each other, and information from the portable terminal is displayed through the multimedia center; and the multimedia center stops displaying information from the mobile terminal through the multimedia center while the order voice input affordance is selected, receives the user's voice signal to receive order information, and the received order information It is possible to provide a remote payment method in the vehicle for automated remote payment through data encryption processing and authentication further comprising; transmitting to the service providing device.

In another aspect, when the preparation of the service ordered by the user is completed, the service providing device displays information to be input into the moving location of the vehicle and the door lock device installed on the door of the place providing the ordered service through the multimedia center. to do; The verification device for sensing the user's biometric information in order to determine whether the door is locked or unlocked by interlocking with the door lock device installed on the door, detecting an object based on a captured image; determining, by the verification apparatus, whether the detected object is in proximity; identifying, by the verification apparatus, the adjacent object as the user and detecting a face region of the object; and detecting a heat-sensing area within the face area to detect a temperature within the heat-sensing area to measure the user's body temperature; for automated remote payment through data encryption processing and authentication further comprising: In-vehicle remote payment methods can be provided.

In another aspect, when the user's body temperature exceeds a preset temperature, for automated remote payment through data encryption processing and authentication to adjust the angle of the keypad so that the surface of the keypad of the door lock device faces the ground In-vehicle remote payment methods can be provided.

The embodiment enables the automatic remote payment for the cost required for service provision in the service providing apparatus to be safely performed in the vehicle.

In the embodiment, personal information according to information payment and order of goods or services is safely transmitted/received through a network network, while information theft is prevented and cost payment processing is possible easily.

Embodiments store, manage and maintain digital keys for asymmetric encryption of data payloads, provide data encryption processing and authentication in vehicles, and enable storage and maintenance of data regarding the status and integrity of remote payment modules. .

In an embodiment, a non-face-to-face payment system in a vehicle that can tokenize a transaction account provided through a tokenization engine in a network transaction system, and improves security by creating a payment token to provide an additional level of security to enable it to be implemented.

In the embodiment, even when the multimedia center in the vehicle is paired with the portable terminal and performing another operation, order information for the product or service of the passenger in the vehicle is appropriately detected and the product is provided non-face-to-face through communication with the service providing device. or to provide services to passengers.

1 depicts a situation in which such a system is applied to explain a remote payment method for automated remote payment in a vehicle.
2A-2C are block diagrams showing suitable components of a remote payment system.
3 is a flowchart for registering a vehicle for automated remote payment of a vehicle and a service providing apparatus according to various embodiments of the present disclosure;
4 is a flowchart of initiating an automated remote payment between a vehicle and a service providing device, according to various embodiments.
5 depicts a situation in which such a system is applied to explain a remote payment method for automated remote payment in a plurality of vehicles according to another embodiment of the present invention.

Since the present invention can apply various transformations and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. Effects and features of the present invention, and a method of achieving them, will become apparent with reference to the embodiments described below in detail in conjunction with the drawings. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various forms. In the following embodiments, terms such as first, second, etc. are used for the purpose of distinguishing one component from another, not in a limiting sense. Also, the singular expression includes the plural expression unless the context clearly dictates otherwise. In addition, terms such as include or have means that the features or components described in the specification are present, and do not preclude the possibility that one or more other features or components will be added. In addition, in the drawings, the size of the components may be exaggerated or reduced for convenience of description. For example, since the size and thickness of each component shown in the drawings are arbitrarily indicated for convenience of description, the present invention is not necessarily limited to the illustrated bar.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, and when described with reference to the drawings, the same or corresponding components are given the same reference numerals, and the overlapping description thereof will be omitted. .

In-vehicle remote payment method and remote payment method for automated remote payment

1 depicts a situation in which such a system is applied to explain a remote payment method for automated remote payment in a vehicle.

Referring to FIG. 1 , the remote payment system 10 may be implemented in a store 11 that provides goods or services, and includes one or more of a vehicle 100 , a service providing device 200 , and a network 400 . can do.

The remote payment system 10 allows one or more vehicles 100 to be provided with a service through the service providing device 200 and does not require a pre-approved payment, and initiates an automated remote payment to complete the payment procedure for the service. make it possible

The service providing device 200 may be a device that provides a service for the vehicle 100 itself or for the passengers in the vehicle 100 . Illustratively, the service for the vehicle 100 itself may be a service for charging energy necessary for driving the vehicle 100 such as energy charging, but is not limited thereto. In addition, the service for the occupants in the vehicle 100 may be a service providing a product ordered by the occupant, but is not limited thereto.

The remote payment system 10 is associated with web services, utility computing, pervasive and personalized computing, security and identity solutions, autonomic computing, cloud computing, mobility and wireless solutions, open source, biometrics, and computing and/or mesh computing. can be considered for use.

In various embodiments, vehicle 100 may include, for example, an automobile, truck, sport utility vehicle (SUV), motorcycle, scooter, electric vehicle, utility terrain vehicle (UTV), golf cart, electric bicycle, boat and/or fuel. other types of vehicles powered at least in part by

Vehicle 100 may include, for example, an engine, lubrication system, cooling system, fuel system, ignition system, exhaust system, electrical system, electric motor, frame, body, wheels, tires, suspension system, steering system, braking system, auxiliary systems, such as entertainment systems, positioning systems (GPS), and the like, and subsystems thereof.

2A-2C are block diagrams showing suitable components of a remote payment system.

The components of vehicle 100 are depicted in greater detail in FIG. 2B . The vehicle 100 may include one or more of a multimedia center 110 , a remote payment module 120 , and a trusted platform module (TPM) 130 . The various systems, modules, platforms, centers, etc. in vehicle 100 may logically communicate directly with each other via a bus, network, or other suitable means, or may be individually coupled as described herein. For the sake of brevity, conventional data networking, application development, and other functional aspects of vehicle 100 may not be described in detail herein. Also included herein, the various shapes of indicated connecting lines are intended to indicate desirable functional relationships and/or physical couplings between the various elements of the vehicle 100 . It should be noted that there may be many alternative or additional functional relationships or physical connections in a practical system. For example, in accordance with various embodiments, individual components of vehicle 100 may be interconnected via a controller area network (CAN) or CAN bus of vehicle 100 .

In various embodiments, the multimedia center 110 allows users to control the vehicle 100, such as, for example, an in-vehicle air conditioning control system, a window control system, a wireless and/or sound system, a GPS system, a remote payment module 120, and the like. It may contain control mechanisms that allow access and control of the various components.

Multimedia center 110 may include one or more processors and/or one or more tangible, non-transitory memories and may implement logic. A processor may be configured to implement various logical operations, such as in response to execution of instructions stored on a non-transitory, tangible, computer-readable medium, as discussed further herein.

Multimedia center 110 may include a user interface in logical communication with the processor. The user interface may include a graphical user interface. The user interface may include a touch screen or similar display capable of displaying a graphical user interface and accepting user input. Multimedia center 110 may include one or more network interfaces. The network interface allows data to be transferred between the multimedia center 110 and an external device or component. For example, the network interface may include a modem, Ethernet card, communication port, Personal Computer Memory Card International Association (PCMCIA) slots and cards, and the like. Data transmitted over the network interface may be in the form of electronic, electromagnetic, optical, or other signals capable of being transmitted and received by the network interface. The network interface may transmit data over a cellular network using any wireless transmission standard such as, for example, Bluetooth, Wi-Fi, or other suitable or desired wireless transmission.

In various embodiments, multimedia center 110 may include a biometric security system. Biometric security systems may be used to provide biometrics as a form of secondary identification. The biometric security system may include a biometric sensor that detects a biometric sample. A biometric security system may be comprised of one or more biometric scanners, processors and/or systems. A biometric security system may include one or more technologies or portions thereof configured to detect and receive biometrics. As used herein, biometrics refers to a user's voice, fingerprint, face, ears, signature, blood vessel pattern, DNA sampling, hand geometry, sound, smell, keystroke/typing, iris, retina or body part, function, system, attribute and and/or other biometrics associated with recognition based on other characteristics.

In various embodiments, the remote payment module 120 may be configured to complete a transaction at one or more stores 11 where the vehicle 100 is registered for automated remote payment. The remote payment module 120 may perform logical and/or electronic communication with the multimedia center 110 and/or the trusted platform module 130 . The remote payment module 120 may be in logical and/or electronic communication with internal components and systems of the vehicle 100 such as, for example, a fuel system, GPS, navigation system, and/or such. As discussed further herein, the remote payment module 120 may also be configured to communicate with the service providing device 200 and/or the network 400 . The remote payment module 120 may include an Internet of Things (IoT) device. The remote payment module 120 may include at least one computing device in the form of a computer or processor or computer/processor set. In various embodiments, remote payment module 120 may include one or more processors and/or one or more tangible, non-transitory memories and may implement logic. A processor may be configured to implement various logical operations in response to execution of instructions stored on a non-transitory, tangible, computer-readable medium, eg, as further discussed herein.

In various embodiments, the remote payment module 120 may include one or more of a processor 121 , a memory 122 , and/or a communication module 123 . Processor 121 may include any processor, and may include any combination of processing circuitry known in the art, such as one or more microprocessors, microcontrollers, digital signal processors, and/or programmable logic devices. The processor 121 may be configured to execute instructions stored on a tangible and non-coherent computer-readable medium, and cause the processor 121 to perform various operations as further discussed herein.

Memory 122 may be configured to provide secure storage for remote payment module 120 . For example, memory 122 may include read-only protected memory and may be populated with vehicle identification data. The vehicle identification data may include characteristics corresponding to the vehicle 100 such as, for example, a vehicle identification number (VIN), vehicle manufacture date, vehicle make, vehicle model, and the like. In this respect, and in accordance with various embodiments, vehicle identification data may be stored at a manufacturing stage of vehicle 100 prior to sale of the vehicle.

In various embodiments, the memory 122 may be configured to provide secure storage to the remote payment module 120 . For example, memory 122 may include read-only protected memory and may be populated with occupant identification data. The occupant identification data may include features corresponding to the occupant of the vehicle 100 such as, for example, registered driver's personal information. In this respect, and according to various embodiments, the occupant identification data may be stored by the owner of the vehicle 100 pre-registered.

The communication module 123 (eg, the vehicle communication module) may be configured to communicate with the service providing device 200 during an automated remote payment process as discussed further herein. Communication module 123 may include a suitable network interface capable of sending and receiving data, such as a modem, Ethernet card, communication port, Personal Computer Memory Card International Association (PCMCIA) slots and cards, and the like. Data transmitted through the communication module 123 may be in the form of electronic, electromagnetic, optical, or other signals that may be transmitted and received by a network interface. The communication module 123 may transmit data over a cellular network using a wireless transmission standard such as, for example, Bluetooth, Wi-Fi, or other suitable or desired wireless transmission. The communication module 123 may transmit data using Bluetooth low energy (Bluetooth LTE) operating in the 2.4 GHz ISM band.

In various embodiments, trust platform module 130 stores, manages, and maintains digital keys for asymmetric encryption of data payloads, provides data encryption processing and authentication of vehicle 100, and remote payment module 120 may be configured to store and maintain data regarding the state and integrity of Trusted platform module 130 may be in electronic and/or logical communication with remote payment module 120 and may include any suitable combination of hardware, software and/or database components. For example, trusted platform module 130 may include a hardware security module (HSM), microcontroller, microchip, or other secure hardware component capable of storing and maintaining digital encryption keys. In various embodiments, the trust platform module 130 may be configured to act as a root of trust (RoT) in the vehicle 100 . For example, the trusted platform module 130 may be configured to store and maintain software versions, current vehicle 100 metrics, and/or data regarding such vehicle 100 and/or remote payment module 120 . . In this regard, the trusted platform module 130 may be configured to determine whether the vehicle 100 and/or the remote payment module 120 has tampered with, or the like. Trusted platform module 130 may report the integrity of vehicle 100 and/or remote payment module 120 to network 400 , such as during a registration and/or payment process.

In various embodiments, during registration with network 400 , vehicle 100 uses an asymmetric private/public key pair (eg, storage root key (SRK), platform storage root key (P-SRK), etc.) create) can be assigned. Trusted platform module 130 may be configured to securely store private keys so that vehicle 100 (eg, remote payment module 120 ) can encrypt and decrypt data during transmission in system 10 . . In various embodiments, the trust platform module 130 may be configured to restrict access and use of the private key. For example, the trusted platform module 130 may determine whether the vehicle 100 is in a given location, whether the vehicle 100 is running a particular version of an application, device driver, or software, and uses biometric input to determine whether the vehicle 100 is running. ) has been authenticated, the response to the vehicle 100 communicating with a particular vendor's point of sale (POS) terminal, and/or other appropriate restrictions may restrict the use of the private key. In various embodiments, the trust platform module 130 may be configured to encrypt the payloads using any suitable type of encryption algorithm, such as an encryption algorithm under AES, RSA, DES, or similar encryption families. In addition, the trust platform module 130 may be configured to digitally sign the payload prior to transmission, and may implement HMAC and/or other suitable hash-based message authentication code. In addition, the trust platform module 130 may be configured to ensure secure transmission of data by implementing Transport Layer Security (TLS), such as TLS 1.2.

Referring back to FIG. 1 , in various embodiments, the store 11 may include an appropriate service providing device 200 for providing goods or services to occupants of the vehicle 100 . For example, the store 11 may include a key hob device applied to a fast food restaurant, a coffee shop, a take-out restaurant, etc. and/or a product delivery device for providing products produced in the store 11 non-face-to-face. . Each service providing device 200 is a driver's seat or passenger seat of the vehicle 100 in the store 11 in order to provide non-face-to-face products such as food or coffee produced in the store 11 to the occupants of the vehicle 100 . It may include an article delivery device including a conveyor belt leading to the window side. The vehicle 100 generally accesses the service providing device 200 and inputs a payment certificate (eg, sweeps a transaction card or initiates an automated remote payment) so that the service providing device 200 initiates a transaction, and stores In (11), goods are produced according to the disclosed transaction, and the occupant of the vehicle 100 can receive the ordered goods through the service providing device 200 .

In various embodiments, the service providing device 200 may include a suitable energy charger to provide fuel for the vehicle 100 . For example, the store 11 may include a gas station, a gas station, an electric vehicle charging station, a charger applied at an alternative gas station, and the like. Each service providing device 200 may include one or more gas pumps configured to supply fuel to the vehicle 100 , an electric vehicle charger, and the like. For example, the gas pump may provide gasoline or alternative fuel to the vehicle 100 , and the charger may supply electricity to the vehicle 100 or the like. The vehicle 100 may generally refuel in the service providing apparatus 200 by accessing the service providing apparatus 200 and inputting a payment certificate (eg, swiping a transaction card or initiating an automated remote payment). Then, the service providing apparatus 200 initiates a transaction and discharges fuel to the vehicle (eg, through a gas pump, a charging station, etc.).

Referring again to FIGS. 2A-2C , in various embodiments, the store 11 may include various hardware and software components configured to detect one or more vehicles 100 and initiate and complete automated remote payments. have. In this regard, and according to various embodiments, the store 11 may include a proximity sensor 210 , a communication module 220 and/or a sales processor 230 . The various systems, modules, platforms, modules, etc. in the store 11 may directly and logically communicate with each other via a bus, network, and/or other suitable means, or may be individually coupled as described herein. For the sake of brevity, conventional data networking, application development, and other functional aspects of the store 11 may not be described in detail herein. Also, the connecting lines shown in the various shapes included herein are intended to indicate desirable functional relationships and/or physical couplings between the various elements of the store 11 . It should be noted that there may be many alternative or additional functional relationships or physical connections in a practical system.

Sales processor 230 may incorporate hardware, software and/or database components and may include one or more processors and memory. The sales processor 230 may be in electronic and/or logical communication with the proximity sensor 210 and/or the communication module 220 . The sales processor 230 may be configured such that the service providing device 200 receives the automated remote payment from the vehicle 100 and submits a request to the network 400 to authorize the payment. In this regard, the sales processor 230 may be in electronic communication with the network 400 , for example, via a remote payment gateway 410 .

Proximity sensor 210 may be configured to detect vehicle 100 in response to vehicle 100 proximate within store 11 . Proximity sensor 210 may include any suitable device capable of detecting vehicle 100 . For example, proximity sensor 210 may include a physical pressure switch, reed switch, camera, infrared sensor, depth sensor (eg, Microsoft Kinect, ASUS Xtion PRO, etc.), 3D scanner, ultrasonic range detector, radar sensor It may include one or more of the following. Proximity sensor 210 may also include a QR code reader and may be configured to detect and scan a QR code located on vehicle 100 . In response to the location of the vehicle 100 , the proximity sensor 210 may notify the sales processor 230 that the vehicle 100 exists in the service providing apparatus 200 .

The communication module 220 may be configured to communicate with the vehicle 100 to initiate an automatic remote payment. For example, in notifying the proximity sensor 210 and the sales processor 230 that the vehicle 100 is close to the service providing device 200, the sales processor 230 sends the communication module 220 to the vehicle ( 100) to initiate communication. Communication module 220 may include a suitable network interface capable of sending and receiving data, such as a modem, Ethernet card, communication port, Personal Computer Memory Card International Association (PCMCIA) slots and cards, and the like. Data transmitted via the communication module 220 may be in the form of electronic, electromagnetic, optical, or other signals that may be transmitted and received by a network interface. Communication module 220 may transmit data over a cellular network using a wireless transmission standard such as, for example, Bluetooth, Wi-Fi, or other suitable or desired wireless transmission. The communication module 220 may transmit data using Bluetooth Low Energy (Bluetooth LTE) operating in the 2.4 GHz ISM band.

In various embodiments, network 400 registers one or more vehicles 100 for automated remote payment, automated remote payment between vehicle 100 and service providing device 200 as discussed further herein. may be configured to approve and complete Network 400 may include any suitable combination of hardware, software and/or database components. For example, network 400 may include one or more network environments, servers, computer-based systems, processors, databases, and the like. Network 400 may include at least one computing device in the form of a computer or processor or computer/processor, although other types of computing devices or systems may be used, such as, for example, servers, web servers, pooled servers, etc. . Network 400 may include one or more data centers, cloud storage, and the like. In various embodiments, network 400 may include one or more processors and/or one or more tangible, non-transitory memories and may implement logic. A processor may be configured to implement various logical operations in response to execution of instructions stored on a non-transitory, tangible, computer-readable medium, eg, as further discussed herein.

Referring back to FIG. 1 , in various embodiments, network 400 may constitute or interact with a traditional payment network to facilitate purchases and payments, authorize transactions, and/or settle transactions. For example, network 400 may represent an existing proprietary network that currently accepts transactions for credit, debit and/or other types of trading accounts or trading tools. Network 400 may be a closed network that is secure from eavesdroppers. In various embodiments, network 400 may include any desired transaction network, such as Express, Visanet, MasterCard, DISCOVER, InterAC, Cartesian Banker, JCB, Private Networks, and/or other payment networks. Network 400 may include systems and databases related to financial and/or transactional systems and processes, such as one or more authentication engines and databases, payment engines and databases, receiving systems and databases, account payment systems and databases, and/or such process can be included. For example, the network 400 may approve and settle payment transactions, and may maintain a transactional account member database, an acceptable database, an account payable database, and the like.

The network 400 may include all companies that provide trading account services in various embodiments, phrases and terms similar to “financial institution”, “trading account issuer”, “issuer system”, “payment network”, and the like. Although sometimes referred to as a 'financial institution', the network 400 may represent a bank, lender, or other type of account issuer, such as a credit card company, card sponsor company, or third party issuer, depending on the contract with the financial institution. It is also noted that other participants may be involved in some stages of the transaction, such as intermediary payment institutions.

Referring again to FIGS. 2A-2C , in various embodiments, the components of the network 400 are depicted in greater detail. The network 400 may include one or more of a remote payment gateway 410 , a vehicle database 420 , and/or a transaction system 430 . The various systems, gateways, platforms, databases, etc. in network 400 may logically communicate directly with each other via buses, networks, and/or other suitable means, or may be individually coupled as described herein. For the sake of brevity, existing data networking, application development, and other functional aspects of network 400 may not be described in detail herein. In addition, the connecting lines indicated in the various figures included herein are for indicating desirable functional relationships and/or physical couplings between various elements in the network 400 . It should be noted that there may be many alternative or additional functional relationships or physical connections in a practical system.

The remote payment gateway 410 may be configured to receive, authorize, and process automated remote payments as discussed further herein. The remote payment gateway 410 may be in electronic and/or logical communication with the vehicle database 420 and/or the transaction system 430 , and may include any suitable combination of hardware, software and/or database components. "Remote payment gateway", "payment gateway" or phrases similar to "gateway" may include service provider services for applications that accept payments to e-businesses, online retailers, and/or traditional merchants. The gateway can be the same as the physical point of sale terminal located in most retail outlets. Remote payment gateway 410 can protect transaction account details by encrypting sensitive information, such as transaction account numbers, to ensure that information is securely passed between customers and merchants and merchants and payment processors. The remote payment gateway 410 may be configured to process payments for a particular geographic area, usage, or the like. In this regard, the network 400 may include one or more remote payment gateways 410 .

Vehicle database 420 may be configured to store and maintain data regarding each vehicle 100 . For example, vehicle database 420 may store and maintain occupant identification data and/or vehicle identification data stored in each vehicle 100 and/or stored occupant identification data and/or vehicle identification data corresponding to the vehicle identification data. The vehicle database 420 may further include related transaction account data corresponding to each vehicle 100 registered in the network 400 . For example, vehicle database 420 may store data identifying a user identifier (eg, user ID), transaction account number, etc.) and associate it with each stored vehicle. Vehicle database 420 may be in electronic and/or logical communication with remote payment gateway 410 and/or transaction system 430 and may include any suitable type of database or database structure.

Transaction system 430 may be configured to register one or more vehicles 100 with network 400 , receive automated remote payments, and make payments. Transaction system 430 may include one or more backend systems, payment processing systems, and the like in network 400 . For example, transaction system 430 may include one or more authentication engines, authentication engines and databases, payment engines and databases, acceptable systems and databases, account payment systems and databases, and the like. Transaction system 430 may also include a tokenization engine configured to tokenize the transaction account number upon provisioning the transaction account number to vehicle 100 as discussed further herein. Transaction system 430 may be in electronic and/or logical communication with remote payment gateway 410 and/or vehicle database 420 .

Various communications discussed herein may be performed using a network. As used herein, the term “network” may further include a cloud, cloud computing system, or electronic communication system or method incorporating hardware and/or software components. Communication between the parties may be via any suitable communication channel such as, for example, a telephone network, extranet, intranet, Internet, point of interaction device (point of sale, personal digital assistant, cell phone, kiosk, tablet, etc.), e.g. For example, online communication, satellite communication, offline communication, wireless communication, transponder communication, local area communication, local area communication (LAN), wide area network (WAN), virtual private network (VPN), network or linked device, keyboard, mouse and/or any suitable communication or data entry form may be applied. Also, although frequently described herein as being implemented with a TCP/IP communication protocol, the system may be implemented using IPX, AppleTalk, IP-6, NetBIOS, OSI, any tunneling protocol (eg, IPsec, SSH, etc.) . Specific information relating to protocols, standards and application software used in connection with the Internet is generally known to those skilled in the art and, therefore, need not be described in detail herein. Thus, communication over the network may utilize data encryption. Encryption may be performed via any of the technologies available in the art, or may be used, for example, by two-fish, RSA, shore signature, DSA, PGP, PKI, GPG (GnuPG), symmetric and asymmetric cryptographic systems. In particular, asymmetric cryptography can be used to sign and verify blockchain cryptographic operations.

3 is a flowchart for registering a vehicle for automated remote payment of a vehicle and a service providing apparatus according to various embodiments of the present disclosure;

Referring to FIG. 3 , a process S100 for registering a vehicle for automated remote payment is disclosed. A user (eg, a vehicle driver, etc.) may access the multimedia center 110 of the vehicle 100 to initiate a registration process for automatic remote payment. For example, a user may interface with multimedia center 110 to access network 400 . In various embodiments, network 400 may require a user to log in to access network 400 , for example, by entering a user name and password, biometric input, and the like. In various embodiments, network 400 may not require a user to log in to initiate vehicle registration for automatic remote payment. In various embodiments, network 400 receives a vehicle registration request (step S101 ) from vehicle 100 . In response to receiving the vehicle registration request, network 400 retrieves vehicle identification data (step S103 ) from vehicle 100 . For example, the network 400 may communicate with the processor 121 to retrieve vehicle identification data (eg, vehicle identification number (VIN), vehicle manufacturing date, vehicle make, vehicle model, etc.). The processor 121 may retrieve the vehicle identification data from the memory 122 to transmit the data to the network 400 .

The network 400 determines whether additional authentication is required (step S105). In response to determining whether additional authentication is required (eg, based on a fraud determination using stored fraud information, etc.), network 400 may be configured to prompt the user for additional information. For example, network 400 may be configured to induce a user via multimedia center 110 to enter user identification data, such as a driver's license, identification card, passport, social security number, biometric input, and/or other identity-based data. can In addition, the network 400 may complete additional authentication through the multimedia center 110 without the need for user input to a smart phone, a user device, or the like. Network 400 may validate user identification data using internal and/or external data sources. For example, network 400 may verify user identification data by querying other consumer reporting organizations, vendors, databases, or systems that provide information about consumers and businesses. The internal and/or external data source may return whether the user identification data is accurate and valid. As a further example, network 400 may prompt the user for multiple authentication requests. For example, a user who has previously registered with network 400 using biometric input may instruct the user to enter biometric input along with the user's password via multimedia center 110 . As another example, it may include transmitting an authentication number (eg, PIN, code, six-digit number, etc.). Via the set email address or mobile phone number (via SMS), the user enters the authentication number into the multimedia center 110 to proceed to the next step.

In various embodiments, the network 400 may prompt the user to select a transaction account for the offer (step S107). For example, in response to a user having one or more trading accounts or sub-accounts being registered with network 400 , network 400 may prompt the user to select a trading account to use for automated remote payments. In various embodiments, the user may use a different payment method (eg, one-time payment, installment payment, payment using a coupon line, etc.) or based on different refueling stations (eg, by brand, by type such as electricity, gasoline, etc.). You may choose to provide different trading accounts or sub-accounts.

In various embodiments, the user may also select one or more payment limit controls for each provisioning transaction account. For example, a user may select the monetary value to be provided in a given transaction account, currency limit (eg, remote payments are authorized up to a certain amount), and/or other suitable payment limit controls.

The network 400 maps the vehicle identification data to the user transaction account data (step S109), and stores the data in the vehicle database 420 . For example, the network 400 may store vehicle identification data and related user account data based on a user identifier or the like.

The network 400 generates a private key and a public key pair (step S111 ), and transmits the key pair to the trust platform module 130 of the vehicle 100 . Network 400 may generate asymmetric key pairs using appropriate techniques and key hierarchies. The network 400 may transmit the private key and public key pair to the trusted platform module 130 via the processor 121 .

The network 400 generates a payment token based on the provided transaction account (step S113). For example, the network 400 may tokenize a transaction account provided through a tokenization engine or the like in the transaction system 430 . Create payment tokens to provide an additional level of security. The network 400 may generate a limited use payment credential (LUPC), a unique derived key (UDK), etc. according to the protection profile of the vehicle 100 through the transaction system 430 . The payment token may also include payment restriction controls defined in step S107. The network 400 may return a registration completion notification to the user via the multimedia center 110 . In various embodiments, payment tokens may be stored in network 400 such as, for example, token vaults, token service providers, and the like. In various embodiments, the payment token may be transmitted to the vehicle 100 and stored in the memory 122 of the remote payment system 120 .

4 is a flowchart of initiating an automated remote payment between a vehicle and a service providing device, according to various embodiments.

Referring to FIG. 4 , a process ( S200 ) for initiating an automatic remote payment between a vehicle and a service providing apparatus is disclosed. The vehicle 100 may access the service providing device 200 and start a process of ordering a product or receiving an ordered product from the service providing device 200 , or in some embodiments, a process of injecting fuel into the vehicle 100 . The service providing apparatus 200 detects that the vehicle 100 is close (step S201). The proximity sensor 210 of the service providing apparatus 200 may detect that the vehicle 100 is close to the service providing apparatus 200 and may transmit a proximity notification to the sales processor 230 . Thereafter, the service providing apparatus 200 attempts to establish a communication connection with the vehicle 100 ( S203 ). In response to receiving the proximity notification, the vending processor 230 may instruct the communication module 220 to acknowledge a beacon broadcast or other over-the-air transmission transmitted by the communication module 123 of the vehicle 100 via Bluetooth LTE. can In various embodiments, the vehicle 100 may also be configured to initiate communication with the service providing device 200 . For example, the vehicle 100 may be configured to identify and read an RFID tag, OCR, QR code, etc. attached to or engraved on the service providing device 200 . The vehicle 100 may initiate communication with the service providing apparatus 200 through the communication module 13 based on an energy charging station ID identified by an RFID tag, OCR, QR code, or the like.

The service providing apparatus 200 checks whether the vehicle 100 is capable of automatic remote payment (step S205). For example, in response to locating a beacon broadcast transmitted by the communication module 123 of the vehicle 100 , the communication module 220 of the service providing apparatus 200 may initiate communication connection establishment, and the vehicle It can be seen that 100 can perform automated remote payments. For example, in response to receiving a response from the vehicle 100 through the communication module 123 , the service providing apparatus 200 may check whether the vehicle 100 is capable of automated remote payment. In response to not receiving a response from the vehicle 100 , the service providing apparatus 200 may stop the remote payment process and allow the vehicle to proceed with the general payment and refueling process.

When the service providing device 200 determines that the vehicle 100 is capable of automated remote payment, the service providing device 200 through the communication module 220 provides a product option or a service option that can be provided in the store 11, Supply data including at least one of available fuel options (eg, unleaded, premium unleaded, etc.) may be transmitted to the vehicle 100 . The service providing apparatus 200 may request to transmit vehicle identification data to start a transaction with the vehicle 100 . Vehicle 100 may retrieve vehicle identification data from memory 122 and encrypt the data using the private key stored in trust platform module 130 . The vehicle 100 transmits the encrypted vehicle identification data to the service providing apparatus 200 (step S207). In response to the service providing device 200 receiving the encrypted vehicle identification data, the sales processor 230 of the service providing device 200 transmits the encrypted vehicle identification data through the remote payment gateway 410 to the network 400 . to (S209). The sales processor 230 may transmit a merchant ID, a service providing device ID, and the like to notify the network 400 that a payment procedure is scheduled to be performed.

In various embodiments, the trusted platform module 130 may be configured to transmit one or more vehicle integrity metrics to the network 400 via the communication module 123 . The trust platform module 130 may calculate a vehicle integrity metric. In this regard, the trusted platform module 130 may measure the extent of code and firmware to generate a baseline vehicle integrity metric. Trusted platform module 130 may generate a second vehicle integrity metric by again measuring the range of code and firmware. Two vehicle integrity metrics can be compared. The trusted platform module 130 may send the vehicle integrity metric to the network 400 .

In various embodiments, the vehicle 100 generates a payment encrypted text (step S211), and transmits the payment encrypted text to the network 400 (S213). A payment cryptogram may be generated to contain an authorized payment amount for the transaction. For example, the remote payment system 120 may communicate with the multimedia center 110 to check information on goods or services ordered by the passenger of the vehicle 100 . In some embodiments, the remote payment system 120 may communicate with the fuel system of the vehicle 100 to determine the fuel level of the vehicle 100 and the amount required to refuel the vehicle 100 .

Prior to communicating with the multimedia center 110 in order to check the product or service information ordered by the vehicle occupant of the vehicle 100 , the multimedia center 110 includes information on products or services that can be provided and each product received from the service providing device 200 . Alternatively, product information including cost information according to an order for a service may be displayed. The multimedia center 110 may display product information and check whether the multimedia center 110 is paired with the passenger's portable terminal and whether information from the portable terminal is displayed through the multimedia center 110 . For example, in the multimedia center 110 , the mobile terminal of the passenger and the multimedia center 110 are paired so that content transmitted from the mobile terminal is displayed through the multimedia center 110 or a phone call of the mobile terminal is performed by the multimedia center 110 . You can check whether or not this is being done. The passenger may input order information by selecting (eg, touch input) product information displayed in the multimedia center 110 , and may input order information through voice input. When the multimedia center 110 is paired with the passenger's portable terminal and displays information from the portable terminal, the order voice input affordance may be displayed. In addition, the multimedia center 110 may stop displaying information transmitted from the mobile terminal in response to selection of an order voice input affordance (eg, a touch input) and may receive a voice signal by activating a microphone function. And, the reception of the voice signal may be made until the selection of the custom voice input affordance is released. For example, when the passenger is making a phone call through the mobile terminal, the passenger may select an order voice input affordance and input order information by voice. In addition, when the passenger cancels the selection of the order voice input affordance after inputting all order information, the passenger can continue the phone call through the multimedia center 110 again. In addition, for example, when the content from the mobile terminal is displayed through the multimedia center 110, if the passenger selects an order voice input affordance, the content display in the multimedia center 110 is paused, and the passenger receives order information by voice. can be entered. In addition, if the passenger cancels the selection of the order voice input affordance after completing input of all order information, the content may be displayed again in the multimedia center 110 .

The remote payment system 120 may calculate an authorized payment amount based on the ordered product or service information transmitted from the multimedia center 110 , and generate a payment encryption text to include the authorized payment amount. In some embodiments, based on the refueling type and refueling amount data transmitted by the communication module of the fuel system, the remote payment system 120 in step S205 calculates the authorized payment amount, and includes the authorized payment amount. You can create a payment passphrase. In various embodiments, the remote payment system 120 allows the user via the multimedia center 110 to select an available fuel option or grade, select all or a portion of a tank, or manually make an approved payment for a transaction. You may be prompted to enter

In various embodiments, the network 400 may request payment authentication from the user (step S215 ). For example, network 400 may be configured to prompt a user via multimedia center 110 to confirm transaction authorization using a multi-authentication request. For example, when a user who has previously registered with the network 400 using biometric input requests biometric input, the network 400 may send the user's password (eg, two-step authentication) together with the user's password (eg, two-step authentication) through the multimedia center 110 or You can request to enter biometric input alone. As another example, it may include transmitting an authentication number (eg, PIN, code, six-digit number, etc.). Through the established email address or mobile phone number (via SMS), the user is prompted to enter an authentication number into the multimedia center 110 before proceeding with the transaction.

In the next step, the encrypted vehicle identification data and payment cipher text (step S217) are processed. For example, the network 400 may decrypt the vehicle identification data using the public key, and compare the decrypted vehicle identification data with the vehicle identification data stored from the vehicle database 420 to store the decrypted vehicle identification data. It can determine whether it matches the identification data. Network 400 may use any suitable method to approve and settle the transaction. Then, the remote payment approval is transmitted to the vehicle 100 and the service providing apparatus 200 (step S219). The remote payment authorization may include data indicating that the transaction was successfully authorized. The remote payment authorization may also include an authorized payment amount for the transaction. In various embodiments, in response to receiving the remote payment authorization, the remote payment system 120 causes a message to be displayed via the multimedia center 110 to prompt the occupant to lower the window of the vehicle 100 . An electronic signal may be transmitted to the multimedia center 110 . In some embodiments, the remote payment system 120 may send an electronic signal to the fuel system of the vehicle 100 to open and/or unlock the gas tank refueling cover. In addition, the remote payment system 120 may also notify the user via the multimedia center 110 that the user may start refueling the vehicle 100 .

In response to receiving the remote payment authorization, the service providing apparatus 200 may indicate that the ordered product or service can be provided after a predetermined time. In various embodiments, in response to receiving the remote payment authorization, the service providing device 200 controls the product delivery device so that the goods or services delivered from the service providing device 200 are properly delivered to the occupants of the vehicle 100 . can make it happen

In some embodiments, in response to receiving the remote payment authorization, the service providing apparatus 200 may indicate that the user may start refueling. In various embodiments, in response to receiving the remote payment authorization, the service provider 200 may be configured to automate the refueling process by connecting a gas hose, an electric hose, or the like. In response to starting the fuel injection process into the vehicle 100 and completing the refueling process, the service providing apparatus 200 may be configured to disconnect a gas hose, an electric hose, or the like.

In various embodiments, the vehicle 100 receives the goods or services ordered from the service providing apparatus 200 or completes refueling (step S221 ). In response to receiving the ordered product or service or completing the refueling process, the service providing apparatus 200 may transmit a service provision completion notification to the remote payment gateway 410 (step S223).

The network 400 may transmit the transaction data to the vehicle 100 (step S225), and the vehicle 100 may store the data as an automatic remote payment record completed by the vehicle 100 (step S227).

According to some embodiments, the service providing device 200 may communicate with a door lock device provided on a door of a service providing place and a verification device provided on the door. The service providing device 200 transmits to the vehicle 100 information to be input to the moving location of the vehicle 100 and the door lock device installed on the door of the service providing place when the preparation of the service ordered by the occupant of the vehicle 100 is completed. Corresponding information may be displayed through the multimedia center 110 . The vehicle 100 moves to a moving position of the vehicle 100 displayed through the multimedia center 110 , and the passenger can get off and move to the service providing place. In order to determine whether the door is locked or unlocked by interlocking with the door lock device installed on the door of the service providing place, the verification device that is installed on the door and senses the biometric information of the user (the occupant who got off the vehicle 100) is provided in the verification device. The front of the door may be photographed with a photographing device, and an object may be detected based on the photographed photographed image. Then, the verification apparatus may determine whether the detected object is close. In addition, the verification apparatus may identify an adjacent object as a user and detect a face region of the object. In addition, the verification apparatus may measure the user's body temperature by detecting the heat sensing region in the face region and detecting the temperature in the thermal sensing region. In some embodiments, the verification device estimates the height of the object, and increases the contact area between the fingerprint of the object and the surface of the keypad by adjusting the angle between the surface of the keypad provided in the door lock device and the ground based on the estimation result of the height. can do it In some embodiments, when the user's body temperature exceeds the preset temperature, the angle of the keypad may be adjusted so that the surface of the keypad faces the ground. In addition, the user may input the information confirmed by the multimedia sensor 110 into the keypad (eg, numeric information). The verification device detects the fingerprint information of the user in contact with the keypad and compares it with the user identifier received from the vehicle 100 to determine whether the user has requested a service order. The embodiment may change the angle formed by the keypad provided on the door lock device with the ground based on the height of the user. For example, if the height of the user is small, the angle formed by the surface of the keypad with the ground increases, and the height of the user is increased. The larger the angle, the smaller the angle the keypad makes from the ground. Accordingly, by adjusting the position of the keypad of the door lock device based on the estimated height of the user, the contact area between the fingerprint of the user's finger and the surface of the keypad may be increased, thereby increasing the detection accuracy of the fingerprint.

In addition, when the verification device determines that the user's body temperature is abnormal, the user prevents the user from touching the surface of the keypad by changing the angle of the keypad so that the surface of the keypad is out of the user's field of view so that the surface of the keypad faces the ground side. can do.

5 depicts a situation in which such a system is applied to explain a remote payment method for automated remote payment in a plurality of vehicles according to another embodiment of the present invention.

A plurality of proximity sensors 210 of the service providing apparatus 200 may be configured. The plurality of proximity sensors 210 may be embedded on the ground on which the vehicle 100 moves. The plurality of proximity sensors 210 may be installed to be spaced apart from each other by a predetermined distance. Each of the plurality of proximity sensors 210 may sense the proximity of each of the plurality of vehicles 100 on the queue toward the service providing apparatus 200 . The service providing apparatus 200 may independently detect each of the plurality of vehicles 100 sensed by the proximity sensor 210 , receive order information, and process a remote payment process.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. medium), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. A hardware device may be converted into one or more software modules to perform processing in accordance with the present invention, and vice versa.

The specific implementations described in the present invention are only examples, and do not limit the scope of the present invention in any way. For brevity of the specification, descriptions of conventional electronic components, control systems, software, and other functional aspects of the systems may be omitted. In addition, the connection or connection members of the lines between the components shown in the drawings exemplarily represent functional connections and/or physical or circuit connections, and in an actual device, various functional connections, physical connections that are replaceable or additional may be referred to as connections, or circuit connections. In addition, unless there is a specific reference such as “essential” or “importantly”, it may not be a necessary component for the application of the present invention.

In addition, although the detailed description of the present invention described has been described with reference to the preferred embodiment of the present invention, those skilled in the art or those having ordinary knowledge in the technical field will be described in the claims to be described later. And it will be understood that various modifications and variations of the present invention can be made without departing from the technical scope. Accordingly, the technical scope of the present invention should not be limited to the contents described in the detailed description of the specification, but should be defined by the claims.

Claims (6)

The service providing device provided in the store detects the proximity of the vehicle and notifies the sales processor of the proximity of the vehicle;
establishing, by the service providing apparatus, a communication connection with the vehicle;
The service providing device may include: checking whether the vehicle is capable of automatic remote payment;
transmitting, by the service providing apparatus, supply data including any one of a product option handled in the store and a service option available at the store, to the vehicle when it is determined that the vehicle is capable of automatic remote payment;
requesting, by the service providing apparatus, transmission of vehicle identification data to the vehicle to initiate a transaction with the vehicle;
transmitting, by the vehicle, encrypted vehicle identification data to a network;
notifying, by the sales processor, that a payment procedure is scheduled to proceed to the network;
generating, by the remote payment system of the vehicle, a payment encrypted text including a payment amount calculated on the basis of ordered product or service information, and transmitting it to the network;
The network performs a payment procedure by requesting payment authentication from the user;
When the service providing device is ready for the service ordered by the user, displaying information to be input to the moving position of the vehicle and the door lock device installed on the door of the place providing the ordered service through the multimedia center;
The verification device sensing biometric information of the user in order to determine whether the door is locked or unlocked by interlocking with the door lock device installed on the door, detecting an object based on a captured image;
determining, by the verification apparatus, whether the detected object is in proximity;
identifying, by the verification apparatus, the adjacent object as the user and detecting a face region of the object;
measuring a body temperature of the user by detecting a heat sensing region in the face region and detecting a temperature in the thermal sensing region; and
Including; estimating the height of the detected object;
If it is determined that the user's body temperature is normal, the contact area between the fingerprint of the user's finger and the keypad is increased by changing the angle between the surface of the keypad and the ground based on the estimated height of the object, and Receive the information displayed through the multimedia center, detect the fingerprint information of the user in contact with the keypad, compare it with the user identifier received from the vehicle, and determine whether the user has requested a service order,
When it is determined that the user's body temperature exceeds the preset temperature and is abnormal, the angle of the keypad is adjusted so that the surface of the keypad of the door lock device faces the ground to prevent the user from manipulating the surface of the keypad
In-vehicle remote payment method for automated remote payment through data encryption processing and authentication. According to claim 1,
The network requests payment authentication from the user to proceed with the payment procedure,
The network requesting the user to proceed with an authentication procedure for payment through the multimedia center; including
In-vehicle remote payment method for automated remote payment through data encryption processing and authentication. 3. The method of claim 2,
The network requests payment authentication from the user to proceed with the payment procedure,
the network decrypting the vehicle identification data using a public key;
The network compares the decoded vehicle identification data with the vehicle identification data stored from the vehicle database, and if the decrypted vehicle identification data matches the stored vehicle identification data, approving and paying the transaction; and
The network further comprises; notifying the successful approval of the transaction to the service providing device;
In-vehicle remote payment method for automated remote payment through data encryption processing and authentication. 4. The method of claim 3,
displaying, by the multimedia center, product information including information on products or services that can be provided in the store received from the service providing device, and cost information according to an order for each product or service;
displaying, by the multimedia center, an order voice input affordance when the multimedia center and the user's portable terminal are paired with each other, and information from the portable terminal is displayed through the multimedia center; and
The multimedia center stops displaying the information from the mobile terminal through the multimedia center while the order voice input affordance is selected, receives the user's voice signal, receives order information, and receives the order information. Transmitting to the service providing device; further comprising
In-vehicle remote payment method for automated remote payment through data encryption processing and authentication. delete delete

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