KR102431305B1 - User equipment, service providing device, payment system comprising the same, control method thereof and computer readable medium having computer program recorded thereon - Google Patents

Abstract

The present invention discloses a user device, a service providing device, a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded. That is, the present invention is not an OTP in the form of providing a random number while interworking with a service providing device, but by setting a different PIN number each time using information that is combined in a method set in advance by the user, thereby increasing security and convenience of use. can improve

Description

A user equipment, a service providing apparatus, a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded

The present invention relates to a user device, a service providing device, a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded. In particular, after selecting a payment card for simple payment, a PIN number corresponding to the selected payment card is In the receiving step, a PIN number is set based on a combination of preset information among the information displayed on the user device, and information on the previously selected payment card, the generated PIN number, and the information referenced when setting the corresponding PIN number are serviced. It is provided to the providing device, and the service providing device generates a PIN number based on a combination of preset information among information referenced when setting the PIN number transmitted from the user device, and generates the PIN number and the PIN transmitted from the user device. To a user device that determines whether numbers match and performs authentication, a service providing device, a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded.

Payment authentication uses various methods such as personal information input, biometric authentication, complex authentication (including, for example, a combination of authentication information and location information), OTP (One Time Password) authentication, and the like.

In the case of such a payment authentication method, an additional device is required or the use is complicated, so there is inconvenience to the user at the time of actual payment, and since it takes a long time for payment, when the queue is long, the inconvenience of the waiting person also increases.

In addition, when using simple payment, it is common to enter a PIN with a preset number of digits, but in terms of simple authentication, the number is easy to expose. Problems such as not remembering the PIN also occur.

In addition, in order to respond to PIN exposure or frequent change requests in simple payment, OTP can be used, but it is inconvenient to carry a separate OTP terminal and to memorize and input unfamiliar numbers, and OTP function in the user device It is not only difficult to check and input this even if it is installed, but also to load OTP on the same terminal itself is a factor that lowers security.

Korean Patent Laid-Open Patent No. 10-2012-00544257 [Title: Method for providing active security authentication, terminal and system supporting the same]

It is an object of the present invention to provide a user device, a service providing device, and a user device that sets a different PIN number each time using information that is combined in a manner set in advance by the user, rather than an OTP in the form of providing a random number while interworking with the service providing device, including the same to provide a recording medium on which a payment system, a control method thereof, and a computer program are recorded.

Another object of the present invention is that when a PIN number is set in a preset combination method based on continuously changing information, it is difficult for a user to clearly understand it, so a user who provides such combination possible change information as if it were a general terminal interface. An object is to provide an apparatus, a service providing apparatus, a payment system including the same, a control method thereof, and a recording medium in which a computer program is recorded.

The payment system according to an embodiment of the present invention sets a first PIN number based on preset combination information among a plurality of pieces of information displayed on a user device, and sets the set first PIN number and a plurality of reference numbers when setting the first PIN number. a user device for transmitting information, information about a payment card selected in response to the first PIN number, and identification information of the user device to a service providing device; and a second PIN number is generated based on combination information stored in advance in the service providing device among a plurality of information referenced when setting the first PIN number transmitted from the user device, and the first PIN number transmitted from the user device and the generated second PIN number are generated. and a service providing device that determines whether two PIN numbers match, and maintains a standby state for simple payment when the first PIN number and the second PIN number match as a result of the determination.

As an example related to the present invention, the combination information may include location information of information to be referenced from among a plurality of pieces of information for each digit constituting the PIN number in order to set the PIN number.

As an example related to the present invention, the combination information pre-stored in the user device is the same information as the combination information pre-stored in the service providing device, and may be in a state set by the user device.

As an example related to the present invention, when the service providing apparatus does not match the first PIN number and the second PIN number as a result of the determination, it is determined that the authentication for the first PIN number has failed, and generates authentication failure information. The authenticated authentication failure information may be transmitted to the user device, and the user device may receive the authentication failure information transmitted from the service providing device, and may display the received authentication failure information.

As an example related to the present invention, when the service providing apparatus does not match the first PIN number and the second PIN number as a result of the determination, it is determined that the authentication for the first PIN number has failed, and in order to request retransmission of the PIN number A PIN number retransmission request signal may be generated, and the generated PIN number retransmission request signal may be transmitted to the user device.

As an example related to the present invention, the user device sets a new PIN number based on the PIN number retransmission request signal transmitted from the service providing device, and transmits the newly set PIN number to the service providing device, and the service providing device transmits the transmitted PIN. An authentication procedure for the newly set PIN number transmitted from the user device may be performed in response to the number retransmission request signal.

A method of controlling a payment system according to an embodiment of the present invention includes the steps of: setting, through a user device, a first PIN number based on preset combination information among a plurality of pieces of information displayed on the user device; transmitting, through the user device, a set first PIN number, a plurality of pieces of information referenced when setting the first PIN number, information on a payment card selected in response to the first PIN number, and identification information of the user device; generating, through the service providing device, a second PIN number based on combination information previously stored in the service providing device among a plurality of pieces of information referenced when setting the first PIN number transmitted from the user device; determining, through the service providing device, whether the first PIN number transmitted from the user device matches the generated second PIN number; and, as a result of the determination, when the first PIN number and the second PIN number match, maintaining a standby state for simple payment through the service providing device.

As an example related to the present invention, when it is determined that the first PIN number and the second PIN number do not match, the service providing device determines that authentication for the first PIN number has failed, and generates authentication failure information. ; transmitting, through the service providing device, the generated authentication failure information to the user device; and displaying, through the user device, authentication failure information transmitted from the service providing device.

As an example related to the present invention, when it is determined that the first PIN number and the second PIN number do not match, generating a PIN number retransmission request signal to request retransmission of the PIN number through the service providing device; transmitting, through the service providing device, the generated PIN number retransmission request signal to the user device; setting a new PIN number through the user device based on a PIN number retransmission request signal transmitted from the service providing device; transmitting, through the user device, the newly set PIN number and identification information of the user device to the service providing device; and performing, through the service providing device, an authentication procedure for the newly set PIN number transmitted from the user device in response to the transmitted PIN number retransmission request signal.

A computer program for performing the method according to the above-described embodiment may be stored in a recording medium in which a computer program according to an embodiment of the present invention is recorded.

The present invention improves security and ease of use by setting a different PIN number each time using information that is combined in a manner set in advance by the user, rather than OTP in the form of providing a random number while interworking with a service providing device. has the effect of making

In addition, according to the present invention, when a PIN number is generated in a preset combination method based on continuously changing information, it is difficult for a user to clearly understand it. Even though the PIN changes every time, the user can easily and quickly create or enter the corresponding PIN number.

1 is a block diagram showing the configuration of a payment system according to an embodiment of the present invention.
2 is It is a block diagram showing the configuration of a user device according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a payment system according to another embodiment of the present invention.
4 is a flowchart illustrating a control method of a payment system according to an embodiment of the present invention.
5 to 7 are diagrams illustrating screens of a user device according to an embodiment of the present invention.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be interpreted as meanings generally understood by those of ordinary skill in the art to which the present invention belongs, unless otherwise defined in particular in the present invention, and excessively inclusive It should not be construed as a human meaning or in an excessively reduced meaning. In addition, when the technical term used in the present invention is an incorrect technical term that does not accurately express the spirit of the present invention, it should be understood by being replaced with a technical term that can be correctly understood by those skilled in the art. In addition, general terms used in the present invention should be interpreted as defined in advance or according to the context before and after, and should not be interpreted in an excessively reduced meaning.

Also, as used herein, the singular expression includes the plural expression unless the context clearly dictates otherwise. In the present invention, terms such as "consisting of" or "comprising" should not be construed as necessarily including all of the various components or various steps described in the invention, and some components or some steps may not be included. It should be construed that it may further include additional components or steps.

Also, terms including ordinal numbers such as first, second, etc. used in the present invention may be used to describe the components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are given the same reference numerals regardless of the reference numerals, and the redundant description thereof will be omitted.

In addition, in the description of the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, it should be noted that the accompanying drawings are only for easy understanding of the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

1 is a block diagram showing the configuration of a payment system 10 according to an embodiment of the present invention.

As shown in FIG. 1 , the payment system 10 includes a user device 100 , a beacon 200 , a service providing device 300 , a POS terminal 400 , and a payment server 500 . Not all components of the payment system 10 shown in FIG. 1 are essential components, and the payment system 10 may be implemented by more components than those shown in FIG. 1 , and fewer components. The payment system 10 may also be implemented by

The user device 100 includes a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, and telematics. Terminal, navigation terminal, personal computer, notebook computer, slate PC, tablet PC, ultrabook, wearable device, for example, watch type Terminal (Smartwatch), Glass-type terminal (Smart Glass), HMD (Head Mounted Display), etc.), Wibro terminal, IPTV (Internet Protocol Television) terminal, Smart TV, Digital broadcasting terminal, Television, 3D It can be applied to various terminals such as a television, a home theater system, an AVN (Audio Video Navigation) terminal, an A/V (Audio/Video) system, a flexible terminal, and the like.

As shown in FIG. 2 , the user device 100 includes a user device communication unit 110 , a user device storage unit 120 , a user device display unit 130 , a user device voice output unit 140 , and a user device control unit 150 . ) is composed of Not all components of the user device 100 shown in FIG. 2 are essential components, and the user device 100 may be implemented by more components than those shown in FIG. 2 , and fewer components. The user device 100 may also be implemented by

The user device communication unit 110 communicates with any internal component or at least one external terminal through a wired/wireless communication network. In this case, any external terminal may include the beacon 200 , the service providing device 300 , the POS terminal 400 , the payment server 500 , and the like. Here, as wireless Internet technologies, wireless LAN (WLAN), DLNA (Digital Living Network Alliance), WiBro (Wireless Broadband: Wibro), Wimax (World Interoperability for Microwave Access: Wimax), HSDPA (High Speed Downlink Packet Access) ), High Speed Uplink Packet Access (HSUPA), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS), etc. In this case, the user device communication unit 110 transmits and receives data according to at least one wireless Internet technology within a range including Internet technologies not listed above. In addition, short-range communication technologies include Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and Near Field Communication (NFC). , Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi (Wi-Fi), Wi-Fi Direct (Wi-Fi Direct), etc. may be included. In addition, the wired communication technology may include power line communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cable, and the like.

Also, the user device communication unit 110 may mutually transmit information with an arbitrary terminal through a Universal Serial Bus (USB).

In addition, the user device communication unit 110 is a communication method or technical standards for mobile communication (eg, GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000), Enhanced Voice-Data Optimized or Enhanced Voice-Data Only (EV-DO), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE- A (Long Term Evolution-Advanced), etc.) transmits and receives wireless signals to and from the base station, the beacon 200, the service providing apparatus 300, the POS terminal 400, the payment server 500, and the like on a mobile communication network constructed according to the same.

In addition, the user device communication unit 110, under the control of the user device control unit 150, the identification information of the beacon 200 transmitted from the beacon 200 (or the unique identification information of the store in which the beacon 200 is provided) ) is received.

The user device storage unit 120 stores various user interfaces (UIs), graphic user interfaces (GUIs), and the like.

In addition, the user device storage unit 120 stores data and programs necessary for the user device 100 to operate.

That is, the user device storage unit 120 may store a plurality of application programs (or applications) driven in the user device 100 , data for operation of the user device 100 , and commands. At least some of these application programs may be downloaded from an external service providing device through wireless communication. Also, at least some of these application programs may exist on the user device 100 from the time of shipment for basic functions (eg, incoming calls, outgoing functions, message reception, and outgoing functions) of the user device 100 . Meanwhile, the application program may be stored in the user device storage unit 120 , installed in the user device 100 , and driven to perform an operation (or function) of the user device 100 by the user device controller 150 . have.

In addition, the user device storage unit 120 is a flash memory type (Flash Memory Type), a hard disk type (Hard Disk Type), a multimedia card micro type (Multimedia Card Micro Type), a card type memory (eg, SD or XD memory, etc.), magnetic memory, magnetic disk, optical disk, RAM (Random Access Memory: RAM), SRAM (Static Random Access Memory), ROM (Read-Only Memory: ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory) , and may include at least one storage medium of Programmable Read-Only Memory (PROM). In addition, the user device 100 may operate a web storage that performs a storage function of the user device storage unit 120 on the Internet, or may operate in connection with the web storage.

In addition, the user device storage unit 120 is the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device control unit 150 (or the store in which the beacon 200 is provided). unique identification information).

The user device display unit 130 may display various contents such as various menu screens using a user interface and/or a graphic user interface stored in the user device storage unit 120 under the control of the user device control unit 150 . Here, the content displayed on the user device display unit 130 includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes. Also, the user device display unit 130 may be a touch screen.

In addition, the user device display unit 130 includes a liquid crystal display (LCD), a thin film transistor liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible It may include at least one of a flexible display, a 3D display, an e-ink display, and a light emitting diode (LED).

Also, the user device display unit 130 may be configured as a stereoscopic display unit for displaying a stereoscopic image.

A three-dimensional display method such as a stereoscopic method (glasses method), an auto stereoscopic method (glasses-free method), or a projection method (holographic method) may be applied to the stereoscopic display unit.

In addition, the user device display unit 130 is the identification information of the corresponding beacon 200 received through the user device communication unit 110 under the control of the user device control unit 150 (or unique to the store in which the beacon 200 is provided). identification information).

The user equipment audio output unit 140 outputs audio information included in a signal processed by the user equipment control unit 150 . Here, the user device voice output unit 140 may include a receiver, a speaker, a buzzer, and the like.

In addition, the user equipment voice output unit 140 outputs a guide voice generated by the user equipment control unit 150 .

In addition, the user equipment voice output unit 140 is the identification information of the corresponding beacon 200 received through the communication unit 110 under the control of the user equipment control unit 150 (or unique to the store in which the beacon 200 is provided). Identification information) corresponding to audio information is output.

The user device control unit 150 executes an overall control function of the user device 100 .

In addition, the user device control unit 150 executes the overall control function of the user device 100 using the program and data stored in the user device storage unit 120 . The user device control unit 150 may include a RAM, ROM, CPU, GPU, and bus, and the RAM, ROM, CPU, GPU, etc. may be connected to each other through a bus. The CPU may access the user device storage unit 120 to perform booting using the O/S stored in the user device storage unit 120 , and various programs, contents, and data stored in the user device storage unit 120 . Various operations may be performed using the .

In addition, the user device control unit 150 performs a membership registration procedure for the user of the user device 100 by interworking with the service providing device 300 .

In addition, when performing the membership registration procedure, the user device control unit 150 must complete the authentication function through the self-authentication means (eg, mobile phone, credit card, i-PIN, e-mail, etc.) to complete the member for the service providing device (300) You can complete the registration process normally.

In addition, when a user carrying the user device 100 enters a store, the user device control unit 150 transmits the identification information of the beacon 200 (or the beacon 200 provided) from the beacon 200 . The user device communication unit 110 is controlled to receive the store's unique identification information).

In addition, the user device control unit 150 transmits the received unique identification information of the beacon 200 (or unique identification information of a store in which the beacon 200 is provided), identification information of the user device 100, and the like to the user device communication unit ( 110) through the service providing device 300. Here, the identification information of the user device 100 includes a mobile directory number (MDN), mobile IP, mobile MAC, subscriber identity module (Sim) card unique information, serial number, and the like.

In addition, when the user of the user device control unit 150 is not a member registered in advance with the service providing device 300 , the user device control unit 150 provides information related to membership registration provided from the service providing device 300 . Based on the basis, a membership registration procedure for the corresponding user device 100 (or the user of the corresponding user device 100) is performed.

In addition, when the user of the user device control unit 150 is a member registered in advance in the corresponding service providing device 300 , the user device control unit 150 transmits unique identification information of the transmitted beacon 200 (or the corresponding beacon 200 ). The user device communication unit 110 transmits one or more advertisement information, one or more benefit information, recommended card list, etc. transmitted from the service providing device 300 in response to the provided store's unique identification information), identification information of the user device 100, and the like. ) is received through Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like. In addition, the recommended card list includes one or more cards to which the corresponding benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the user device 100 .

In addition, the user device control unit 150 outputs one or more received advertisement information, benefit information, recommendation card list, etc. through the user device display unit 130 and/or the user device voice output unit 140 .

In addition, the user device control unit 150 checks one payment card (or unique identification information of the payment card) selected from a plurality of payment cards registered (or issued) in a specific app pre-installed on the user device 100 . do.

Also, the user device controller 150 may check a payment card selected from the list of recommended cards transmitted from the service providing device 300 .

In addition, the user device control unit 150 is one or more cards to which the corresponding benefit information can be applied from among a plurality of payment cards previously registered in the corresponding user device 100 based on one or more benefit information provided from the service providing device 300 . A corresponding recommendation card list including Also, one payment card selected from the list of recommended cards displayed on the display unit 130 of the user device may be checked.

Also, the user device control unit 150 receives a personal identification number (PIN) according to a user input through a specific app pre-installed in the corresponding user device 100 . Here, the PIN number may be a PIN number corresponding to the confirmed payment card type.

In addition, the user device control unit 150 transmits the checked payment card type (or unique identification information of the payment card), a PIN number, identification information of the user device 100, and the like to the service providing device 300 through the user device communication unit 110 . ) is sent to

Also, the user equipment control unit 150 receives the token transmitted from the service providing apparatus 300 through the user equipment communication unit 110 in response to the previously transmitted PIN number.

In addition, the user device control unit 150 generates a barcode (or a QR code (Quick Response code)) including the received token (or token information) and identification information of the user device 100 .

Also, the user device control unit 150 stores the generated barcode (or QR code) in the user device storage unit 120 .

In addition, when a payment method is selected in a preset manner through a specific app installed in advance in the user device 100 , the user device control unit 150 controls barcode information (or QR code) corresponding to the previously generated barcode (or QR code). information) to the POS terminal 400 through the user device communication unit 110 . Here, the barcode information corresponding to the barcode (or QR code information corresponding to the QR code) includes a token (or token information), identification information of the user device 100 , and the like. In this case, the payment method includes cash payment, card payment, electronic payment, and the like, and the preset method may be electronic payment.

As such, when the user device 100 and the POS terminal 400 are connected through a wired/wireless communication method, barcode information (or QR code information) may be transmitted from the user device 100 to the POS terminal 400 .

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired/wireless communication method, the user of the user device 100 is preset through a specific app installed in the user device 100 in advance. When a payment method is selected, the barcode (or QR code) displayed on the user device display unit 130 may be recognized (or scanned/tagged) by the POS terminal 400 .

In addition, after the payment function is performed for one or more products to be paid for by the user of the corresponding user device 100 based on the previously transmitted barcode information (or QR code information), the user device control unit 150 controls the previously transmitted A payment function execution result transmitted from the POS terminal 400 (or the service providing device 300 ) in response to the barcode information (or QR code information) is received through the user device communication unit 110 .

In addition, the user device control unit 150 outputs the received payment function execution result through the user device display unit 130 and/or the user device voice output unit 140 .

In addition, the user device 100 may further include an interface unit (not shown) serving as an interface with all external devices connected to the corresponding user device 100 . For example, the interface unit includes a wired/wireless headset port, an external charger port, a wired/wireless data port, a memory card port, a port for connecting a device equipped with an identification module, an audio I/O ( Input/Output) port, video I/O (Input/Output) port, earphone port, etc. may be configured. Here, the identification module is a chip storing various information for authenticating the user device 100 , and includes a User Identity Module (UIM), a Subscriber Identity Module (SIM), and a universal user authentication. It may include a module (Universal Subscriber Identity Module: USIM) and the like. In addition, the device provided with the identification module may be manufactured in the form of a smart card (Smart Card). Accordingly, the identification module may be connected to the user device 100 through the port. Such an interface unit receives data or power from an external device and transmits it to each component inside the user device 100 , or allows data inside the user device 100 to be transmitted to an external device.

In addition, when the user device 100 is connected to an external cradle, the interface unit becomes a passage through which power from the cradle is supplied to the corresponding user device 100 or various command signals input from the cradle by the user to the corresponding user device. (100) may be a passageway. Various command signals or corresponding power input from the cradle may be operated as signals for recognizing that the user device 100 is correctly mounted on the cradle.

In addition, the user device 100 includes an input unit ( not shown) may be further included.

The input unit is a means for receiving at least one of a user's command, selection, data, and information, and may include a plurality of input keys and function keys for receiving numeric or character information and setting various functions.

In addition, the input unit includes a key pad, a dome switch, a touch pad (static pressure/capacitance), a touch screen, a jog wheel, a jog switch, a jog shuttle, and a mouse. , various devices such as a stylus pen, a touch pen, and the like may be used. In particular, when the user device display unit 130 is formed in the form of a touch screen, some or all of the input functions may be performed through the user device display unit 130 .

Also, each component (or module) of the user device 100 may be software stored in the memory (or the user device storage unit 120 ) of the user device 100 . The memory may be an internal memory of the user device 100 , an external memory, or another type of storage device. Also, the memory may be a non-volatile memory. The software stored on the memory may include a set of instructions that, when executed, cause the user device 100 to perform a specific operation.

The beacon 200 communicates with the user device 100 , the POS terminal 400 , and the like.

Also, the beacon 200 receives store information related to a store equipped with the beacon 200 , and unique identification information of a store equipped with the beacon 200 , transmitted from the POS terminal 400 .

In addition, the beacon 200 broadcasts (or transmits) store information, identification information of the corresponding beacon 200 (or unique identification information of a store in which the beacon 200 is provided), and the like.

The service providing device 300 communicates with the user device 100 , the POS terminal 400 , the payment server 500 , and the like.

In addition, the service providing device 300 includes a user device communication unit 110 , a user device storage unit 120 , a user device display unit 130 , a user device voice output unit 140 , and a user device included in the user device 100 . The controller 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown) respectively corresponding to the control unit 150 .

In addition, the service providing device 300 performs a membership registration procedure for a user of the corresponding user device 100 by interworking with the user device 100 .

Also, the service providing apparatus 300 receives unique identification information of the beacon 200 and identification information of the user apparatus 100 transmitted from the user apparatus 100 .

In addition, the service providing device 300 is a member registered (or subscribed to) in advance by the user corresponding to the corresponding user device 100 in the corresponding service providing device 300 based on the received identification information of the corresponding user device 100 . Determining (or confirming) whether or not

As a result of the determination (or confirmation result), if the user corresponding to the user device 100 is not a member registered in advance with the service providing device 300 , the service providing device 300 transmits information related to member registration to the user device Send to (100).

Also, the service providing device 300 performs a membership registration procedure for the corresponding user device 100 (or the user of the corresponding user device 100 ) by interworking with the user device 100 .

In addition, as a result of the determination (or confirmation result), when the user corresponding to the user device 100 is a member registered in advance with the service providing device 300 , the service providing device 300 is the previously received beacon 200 . One or more advertisements that can be provided to the user device 100 in a store equipped with a corresponding beacon 200 among a plurality of advertisement information and a plurality of benefit information stored in advance based on the unique identification information of the user device 100 and the identification information of the user device 100 information, one or more benefit information, etc.

In addition, the service providing device 300 recommends one or more recommendation cards to which the corresponding benefit information can be applied (or reflected) from among a plurality of cards issued to the corresponding user device 100 based on the confirmed one or more benefit information. Create a card list. Here, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

In addition, the service providing device 300 is a recommended card list including one or more advertisement information, one or more benefit information, and one or more recommendation cards that can be provided to the corresponding user device 100 in a store equipped with the identified beacon 200 . and so on to the user device 100 .

That is, when the user corresponding to the user device 100 is a member registered in advance in the service providing device 300, the service providing device 300 stores the corresponding beacon ( 200) check the store information corresponding to the unique identification information. In addition, the service providing device 300 checks one or more advertisement information, benefit information, etc. that can be provided to the user device 100 in the corresponding store based on the confirmed store information and the received identification information of the user device 100 . . In addition, the service providing apparatus 300 generates a recommended card list including one or more cards to which the corresponding benefit information can be applied among a plurality of cards (or one or more cards) previously issued to the corresponding user device 100 . In addition, the service providing device 300 transmits one or more pieces of verified advertisement information, one or more benefit information, and a generated recommendation card list to the user device 100 .

Also, the service providing device 300 receives the payment card type, PIN number, identification information of the user device 100, and the like, transmitted from the user device 100 .

In addition, the service providing device 300 generates a token (or a one-time token, token information, temporary token) corresponding to the received PIN number. Here, the token is a temporary token, which is randomly generated in response to a PIN number, and may be in a state in which the number of uses or a period of use is set in advance. In this case, the service providing apparatus 300 may generate a token corresponding to the received PIN number and payment card type.

In addition, the service providing device 300 manages (or stores) the generated token in association with the payment card type, PIN number, identification information of the user device 100, and the like.

Also, the service providing device 300 transmits the generated token (or a token corresponding to a PIN number, a token corresponding to a PIN number, and a payment card type) to the user device 100 .

In addition, the service providing device 300 performs an authentication function for the user before performing the payment function for the product in relation to one or more products to be paid for selected by the user of the user device 100, the payment server 500 ) to receive the barcode information (or QR code information) transmitted from it.

In addition, the service providing device 300 checks whether the token in the barcode information (or QR code information) is valid based on the identification information of the token and the user device 100 in the received barcode information (or QR code information) do.

That is, the service providing device 300 includes a plurality of previously stored (or pre-issued) identification information of the user device for each token, the token in the received barcode information (or QR code information), and the identification information of the user device 100 . Check whether the corresponding token and identification information of the user device are included (or present).

In this way, the service providing apparatus 300 may verify the validity of the issued token.

As a result of the check, in the identification information of the user device for each of the plurality of tokens previously stored in the service providing device 300 , the token in the received barcode information (or QR code information) and the token corresponding to the identification information of the user device 100 and the user When the identification information of the device is not included, that is, when the token in the received barcode information (or QR code information) is invalid, the service providing device 300 transmits authentication failure information to the payment server 500 .

In addition, as a result of the check, in the identification information of the user device for each of the plurality of tokens stored in advance in the service providing device 300 , a token in the received barcode information (or QR code information) and a token corresponding to the identification information of the user device 100 . And when the identification information of the user device is included, that is, when the token in the received barcode information (or QR code information) is valid, the service providing device 300 is the user device in the received barcode information (or QR code information) ( 100) transmits card information, user information, benefit information, etc. corresponding to the identification information to the payment server 500 . At this time, the service providing device 300 is a payment card type related to a valid token (or a PIN number and a PIN managed in conjunction with the corresponding payment card type/token identified based on the previously generated token in response to the payment card type) Card information, user information, benefit information, etc. corresponding to the number, payment card type, and corresponding payment card type confirmed based on identification information of the user device) may be transmitted to the payment server 500 . Here, the card information includes a card number, an expiration date, a card verification code (CVC) number, a user name, and the like. In addition, the user information includes a user name, date of birth, address, image, and the like. In addition, the benefit information includes coupon information, membership benefit information, discount benefit information, and the like.

That is, as a result of the check, if the token in the received barcode information (or QR code information) is valid, the service providing device 300 corresponds to the identification information of the user device 100 in the received barcode information (or QR code information) check card information, user information, benefit information, etc. stored in advance in the service providing device 300 in relation to the user (or the corresponding user device 100), and pay the checked card information, user information, benefit information, etc. transmitted to the server 500 . At this time, the service providing device 300 checks card information, user information, benefit information, etc. corresponding to the payment card type previously transmitted from the user device 100, and pays the checked card information, user information, benefit information, etc. It may be transmitted to the server 500 .

In addition, the service providing apparatus 300 receives the payment function execution result (or payment information) transmitted from the payment server 500 .

Also, the service providing device 300 stores the received payment function execution result in association with the identification information of the corresponding user device 100 .

Also, the service providing device 300 may transmit the received payment function execution result to the user device 100 corresponding to the identification information of the corresponding user device 100 .

In addition, the service providing apparatus 300 may be implemented in the form of a web server, a database server, a proxy server, and the like. In addition, the service providing device 300 may be installed with one or more of a network load balancing mechanism, or various software that enables the service providing device 300 to operate on the Internet or other networks, through which the computerized system can be implemented. Also, the network may be an http network, and may be a private line, an intranet, or any other network. Furthermore, the connection between the service providing device 300 and the user device 100 may be connected to a secure network so that data is not attacked by any hacker or other third party. In addition, the service providing apparatus 300 may include a plurality of database servers, and these database servers are implemented in such a way that they are separately connected to the service providing apparatus 300 through any type of network connection including a distributed database server architecture. can be

In addition, the processor mounted on the user device 100 or the service providing device 300 according to the present invention may process a program command for executing the method according to the present invention. In one implementation, the processor may be a single-threaded processor, and in another implementation, the processor may be a multi-threaded processor. Furthermore, the present processor is capable of processing instructions stored in a memory or a storage device.

The Point of Sales (POS) terminal 400 communicates with the user device 100 , the beacon 200 , the service providing device 300 , the payment server 500 , and the like.

In addition, the POS terminal 400 includes the user device communication unit 110 , the user device storage unit 120 , the user device display unit 130 , the user device voice output unit 140 , and the user device control unit included in the user device 100 . Each of 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), a voice output unit (not shown), and a control unit (not shown) corresponding to 150 .

In addition, the POS terminal 400 transmits store information related to a store equipped with the corresponding beacon 200 (or the corresponding POS terminal), unique identification information of a store equipped with the corresponding beacon 200, and the like to the beacon 200 . .

In addition, the POS terminal 400 scans (or recognizes a barcode attached to the corresponding payment product) for one or more products to be paid for (or payment products) selected by the user of the user device 100 . .

In addition, the POS terminal 400 displays product information for one or more scanned (or recognized) products to be paid. Here, the product information includes a product name, product unique code, unit price, quantity, amount, total total amount, and the like.

In addition, when the user device 100 and the POS terminal 400 are not connected through a wired/wireless communication method, the user of the user device 100 is preset through a specific app installed in the user device 100 in advance. When a payment method is selected, the POS terminal 400 recognizes (or scans/tags) a barcode (or QR code) displayed on the corresponding user device 100 .

Also, the POS terminal 400 receives barcode information (or QR code information) transmitted from the user device 100 .

In addition, when the POS terminal 400 recognizes the barcode (or QR code) displayed on the user device 100 , the POS terminal 400 checks the recognized barcode information (or QR code information).

In addition, the POS terminal 400 displays or stores the received (or confirmed) barcode information (or QR code information).

In addition, the POS terminal 400 transmits one or more product information to be paid (or recognized product information to be paid), barcode information (or QR code information), identification information of the POS terminal 400, and the like to the payment server 500 . do.

In addition, the POS terminal 400 receives authentication failure information transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500 .

In addition, the POS terminal 400 displays the received authentication failure information.

Also, the POS terminal 400 may transmit the received authentication failure information to the user device 100 .

In addition, immediately before performing a payment function for one or more products selected by the user of the user device 100 based on the barcode information (or QR code information) transmitted to the payment server 500 , the POS terminal 400 pays Receives user information transmitted from the server 500 . Here, the user information includes a user name, date of birth, address, image, etc. related to the user corresponding to the identification information of the corresponding user device 100 .

In addition, the POS terminal 400 displays the received user information.

In addition, after the user of the POS terminal 400 identifies the image in the user information displayed on the POS terminal 400 and the user of the user device 100 who wants to pay for the product, the image in the user information and the corresponding user device ( When the users of 100) match, the POS terminal 400 receives information indicating the user match according to the user input of the POS terminal 400 .

In addition, the POS terminal 400 transmits the received user matching information and identification information of the POS terminal 400 to the payment server 500 .

In addition, when the payment function for one or more products selected by the user of the corresponding user device 100 is normally performed based on the barcode information (or QR code information) transmitted to the payment server 500, the POS terminal 400 receives the result of performing the payment function (or payment information) transmitted from the payment server 500 in response to the barcode information (or QR code information) transmitted to the payment server 500. Here, the result of performing the payment function (or payment information) ) includes product name, product unique code, unit price, quantity, discount amount, coupon application status, amount, total total amount, payment date and time information, payment card type, and the like.

In addition, the POS terminal 400 transmits the received payment function execution result to the user device 100 .

In addition, the POS terminal 400 may output the received payment function execution result through a printout such as a receipt.

The payment server 500 communicates with the user device 100 , the service providing device 300 , the POS terminal 400 , and the like.

In addition, the payment server 500 includes the user device communication unit 110 , the user device storage unit 120 , the user device display unit 130 , the user device voice output unit 140 , and the user device control unit included in the user device 100 . Each of 150 may include a communication unit (not shown), a storage unit (not shown), a display unit (not shown), an audio output unit (not shown), and a control unit (not shown) corresponding to 150 .

In addition, the payment server 500 transmits one or more product information to be paid (or recognized product information to be paid) transmitted from the POS terminal 400, barcode information (or QR code information), identification information of the POS terminal 400, etc. receive

In addition, the payment server 500 transmits the received barcode information (or QR code information) to the service providing device 300 in order to perform an authentication procedure related to the corresponding user device 100 .

In addition, if the token in the barcode information (or QR code information) transmitted to the service providing device 300 is not valid, the payment server 500 transmits the barcode information (or QR code information) to the service providing device 300 . In response, authentication failure information transmitted from the service providing device 300 is received.

Also, the payment server 500 transmits the received authentication failure information to the POS terminal 400 .

In addition, when the token in the barcode information (or QR code information) transmitted to the service providing device 300 is valid, the payment server 500 responds to the barcode information (or QR code information) transmitted to the service providing device 300 . card information, user information, and benefit information (or card information corresponding to the identification information of the user device 100 in the corresponding barcode information (or QR code information), user information, benefit information) transmitted from the service providing device 300 receive etc.

In addition, the payment server 500 performs a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, and benefit information. In this case, the payment server 500 provides a benefit corresponding to the price information of one or more products to be paid, the benefit information transmitted from the service providing device 300 (or the benefit information applicable to the user of the corresponding user device 100 ). It is possible to perform a payment function for the payment amount to which the amount is applied.

In this case, immediately before performing the payment function, the payment server 500 transmits user information transmitted from the service providing device 300 to the POS terminal 400 .

In addition, if the image in the user information and the user of the user device 100 who wants to pay for the product do not match, the payment server 500 transmits payment cancellation information for the corresponding one or more product information to the POS terminal 400 . Alternatively, the payment function may be performed after performing an additional authentication procedure for the corresponding user device 100 .

In addition, when the image in the user information matches the user of the user device 100 who wants to pay for the product, the payment server 500 responds to the user information transmitted to the POS terminal 400 from the POS terminal 400 . Receives transmitted information indicating the user match, identification information of the POS terminal 400, and the like.

In addition, the payment server 500 may perform a payment function for the payment amount corresponding to the one or more product information to be paid based on the received card information, user information, benefit information, and information indicating user matching.

In addition, the payment server 500 transmits a result of performing a payment function (or payment information) to the POS terminal 400 , the service providing device 300 , and the like. Here, the result of performing the payment function (or payment information) includes a product name, product unique code, unit price, quantity, discount amount, whether coupon is applied, amount, total total amount, payment date and time information, payment card type, and the like.

3 is a block diagram showing the configuration of the payment system 10 according to another embodiment of the present invention.

As shown in FIG. 3 , the payment system 10 includes a user device 100 and a service providing device 300 . Not all of the components of the payment system 10 shown in FIG. 3 are essential components, and the payment system 10 may be implemented by more components than those shown in FIG. 3 , and fewer components. The payment system 10 may also be implemented by

After selecting a payment card for simple payment, in the step of receiving a PIN number corresponding to the selected payment card, the user device 100 sets a PIN number based on preset combination information among information displayed on the corresponding user device 100 . to set Thereafter, the user device 100 transmits information about the previously selected payment card, a set PIN number, information referenced when setting the corresponding PIN number, identification information of the user device 100 , and the like to the service providing device 300 . Thereafter, the service providing device 300 generates another PIN number based on combination information previously stored in the service providing device 300 among information referenced when setting the corresponding PIN number transmitted from the user device 100 . Thereafter, the service providing device 300 determines whether the PIN number transmitted from the user device 100 matches another PIN number generated by the corresponding service providing device 300 . In addition, when the two PIN numbers match, the service providing device 300 maintains the check-in state for simple payment after confirming that authentication is normally completed. In addition, if the two PIN numbers do not match, the service providing device 300 determines that there is an error in the PIN number, requests the user device 100 to retransmit the corresponding PIN number, or generates authentication failure information transmitted to the user device 100 .

The user device 100 includes a user device communication unit 110 , a user device storage unit 120 , a user device display unit 130 , a user device voice output unit 140 , and a user device control unit 150 shown in FIG. 2 . do.

When it is necessary to receive (or set) a PIN number according to a user input, the user device control unit 150 selects a PIN number based on preset combination information among a plurality of information (or reference information) displayed on the user device display unit 130 . set Here, the combination information includes a location (or location information) of information to be referenced from among a plurality of pieces of information for each digit constituting the PIN number in order to set the PIN number.

The embodiment of the present invention describes a state in which the combination information is preset by the user of the user device 100 and the user device 100 and the service providing device 300 store the same combination information in advance. It is not limited, and the user device control unit 150 sets the location of the specific information corresponding to the specific information selected according to the user selection (or user input) from among the plurality of information displayed on the user device display unit 130 by combining the location of the specific information. may be

That is, when the first specific information, the second specific information, the third specific information, and the fourth specific information are sequentially selected (or touched) from among the plurality of information displayed on the user device display unit 130 , the user device control unit 150 ) sets the selected first to fourth specific information as a PIN number according to a user input, and sets (or creates) the location information of the first to fourth specific information as combination information.

In addition, the user device control unit 150 transmits the set PIN number, a plurality of pieces of information referenced when setting the corresponding PIN number, identification information of the user device 100 , and the like to the service providing device 300 through the user device communication unit 110 . do. Here, the identification information of the user device 100 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card unique information, serial number, and the like.

At this time, when a payment card is selected by the user device 100 , the user device controller 150 includes information on the selected payment card (or payment card/payment card type), a PIN number set in response to the selected payment card, and a corresponding PIN A plurality of pieces of information referenced when setting the number, identification information of the user device 100 , etc. may be transmitted to the service providing device 300 through the user device communication unit 110 .

In addition, the user of the user device 100 may arbitrarily select a plurality of pieces of information referenced when setting the PIN number (for example, the user arbitrarily selects from among widgets) or the service providing device 300 provides information about the plurality of pieces of information. If the contents are unknown, the user device control unit 150 reconfigures each item of the plurality of information in a preset order (or in a predetermined order), and then provides the reconfigured plurality of information to the service providing device 300 . can In addition, the service providing apparatus 300 identifies each item of the plurality of received information, extracts information from the identified items according to the combination information stored in advance in the service providing apparatus 300, combines the PIN, and then the user Authentication may be performed by determining whether it is the same as the PIN number transmitted from the device 100 .

In particular, since the format in which the plurality of pieces of information is expressed is constant, when a PIN is combined in the user device 100, the location can be memorized and inputted, so that it is easy to remember the setting.

In addition, the types of the plurality of pieces of information (or reference information) may be varied, and it is preferable that other people do not easily know whether it is a payment screen or not, and for this purpose, information generally provided by the user device 100 is It is preferable to use information selected from among them.

For example, when a payment screen is displayed on the user device display unit 130 (or a screen for setting a PIN number is displayed), the user device control unit 150 controls one side of the user device display unit 130 without a random number or feature. By providing a sentence, you can disguise as if you have received a message. In this case, the user device control unit 150 may receive a PIN number according to a user input by checking numbers according to a rule (or combination information) set by the user among the provided random numbers or sentences.

In addition, when the PIN number is set, when the combination information is set in the user device 100 , the user device control unit 150 separates the combination information and the PIN number to provide the service providing device 300 through the user device communication unit 110 . send.

That is, when the PIN number is set, when the combination information is set in the user device 100, the user device control unit 150 responds to the selected payment card information (or payment card/payment card type) and the selected payment card. The set PIN number, a plurality of pieces of information referenced when setting the corresponding PIN number, identification information of the user device 100, etc. are first transmitted to the service providing device 300 through the user device communication unit 110, and secondly, the previously set combination Information and identification information of the user device 100 may be transmitted to the service providing device 300 through the user device communication unit 110 .

In addition, the user equipment control unit 150 receives the authentication failure information transmitted from the service providing apparatus 300 in response to the previously transmitted PIN number through the user equipment communication unit 110 .

Also, the user equipment control unit 150 outputs the received authentication failure information through the user equipment display unit 130 and/or the user equipment voice output unit 140 .

In addition, the user equipment control unit 150 receives the PIN number retransmission request signal transmitted from the service providing apparatus 300 in response to the previously transmitted PIN number through the user equipment communication unit 110 .

Also, the user device control unit 150 sets a new PIN number based on preset combination information among a plurality of pieces of information displayed on the user device display unit 130 at the corresponding time based on the received PIN number retransmission request signal.

In addition, the user device control unit 150 includes a newly set PIN number, a plurality of pieces of information referenced when setting the newly set PIN number, information about the payment card (or payment card/payment card type), and identification information of the user device 100 . etc. may be transmitted to the service providing device 300 through the user device communication unit 110 to perform the authentication procedure for the newly set PIN number again.

The service providing device 300 communicates with the user device 100 and the like.

In addition, the service providing device 300 includes information about a payment card (or payment card/payment card type) transmitted from the user device 100 , a PIN number, a plurality of pieces of information referenced when setting the corresponding PIN number, and the user device 100 . ) to receive identification information, etc.

In addition, the service providing apparatus 300 generates another PIN number based on combination information previously stored in the service providing apparatus 300 among a plurality of pieces of information referenced when setting the received corresponding PIN number. Here, the combination information pre-stored in the service providing device 300 is the same information as the combination information pre-stored in the user device 100, and may be in a state set by the user device 100 (or the user of the user device 100). have.

In addition, when setting the PIN number, when the combination information is set in the user device 100 , the service providing device 300 provides information on the payment card that is first transmitted from the user device 100 (or payment card/payment card type) ), a PIN number set in response to the selected payment card, a plurality of pieces of information referenced when setting the corresponding PIN number, identification information of the user device 100, and the like, combination information transmitted secondarily from the user device 100 , identification information of the user device 100 may be received.

Also, the service providing apparatus 300 may generate another PIN number based on the received combination information among a plurality of pieces of information referenced when setting the received corresponding PIN number.

Also, the service providing device 300 determines (or confirms) whether the PIN number transmitted from the user device 100 matches another PIN number generated by the corresponding service providing device 300 .

As a result of the determination (or verification result), when the PIN number transmitted from the user device 100 and another PIN number generated by the corresponding service providing device 300 match, the service providing device 300 performs authentication for the PIN number It is determined (or confirmed) that it is normally completed, and information on the received payment card (or payment card/payment card type), a PIN number (or a PIN number corresponding to information on the payment card), and identification of the user device 100 Store (or temporarily store) information, etc.

Accordingly, the service providing apparatus 300 may maintain a standby state (or check-in state) for simple payment.

In addition, as a result of the determination, when the PIN number transmitted from the user device 100 and another PIN number generated by the service providing device 300 do not match, the service providing device 300 determines that authentication for the PIN number has failed. It is determined (or it is determined that there is an error in the PIN number transmitted from the user device 100 ), generates authentication failure information, and transmits the generated authentication failure information to the user device 100 .

In addition, as a result of the determination, when the PIN number transmitted from the user device 100 and another PIN number generated by the service providing device 300 do not match, the service providing device 300 determines that authentication for the PIN number has failed. It is determined (or it is determined that there is an error in the PIN number transmitted from the user device 100 ), and a PIN number retransmission request signal is generated to request the user device 100 to retransmit the corresponding PIN number.

Also, the service providing device 300 transmits the generated PIN number retransmission request signal to the user device 100 .

In addition, the service providing device 300 receives the newly set PIN number transmitted from the user device 100 in response to the PIN number retransmission request signal transmitted to the user device 100 , and authenticates the received newly set PIN number. The procedure can be performed again.

In the embodiment of the present invention, it is described that the service providing device 300 performs an authentication function for the corresponding PIN number based on the PIN number, a plurality of information, combination information, etc. transmitted from the user device 100 . , is not limited thereto, and the payment server 500 may perform an authentication function for the PIN number performed by the service providing device 300 .

In addition, the service providing device 300 includes the user device 100 , the POS terminal 400 and the payment for one or more products to be paid (or payment products) selected to be purchased at the corresponding store by the user of the user device 100 . By interworking with the server 500 , a payment function for one or more products to be paid may be performed.

As described above, a different PIN number may be set each time using information that is combined in a manner set in advance by the user, rather than an OTP in the form of providing a random number while interworking with the service providing device.

In addition, when a PIN number is generated in a preset combination method based on continuously changing information as described above, it is difficult for the user to clearly understand it. have.

Hereinafter, a method of controlling a payment system according to the present invention will be described in detail with reference to FIGS. 1 to 7 .

4 is a flowchart illustrating a control method of a payment system according to an embodiment of the present invention.

First, when it is necessary to receive (or set) a PIN number according to a user input, the user device 100 sets (or generates) a PIN number based on preset combination information among a plurality of pieces of information displayed on the user device 100 . do. Here, the combination information includes a location (or location information) of information to be referenced from among a plurality of pieces of information for each digit constituting the PIN number in order to set the PIN number.

For example, the first PIN number of 4 digits must be set, and the combination information corresponds to the first digit of the first PIN number and includes the last digit of today's date, and the second and third digits of the first PIN number When including the minute of the current time corresponding to and including the first digit of the current temperature in two-digit units corresponding to the fourth digit of the first PIN number, as shown in FIG. 5 , the user device Reference numeral 100 denotes a plurality of pieces of information (eg, date, time, weather, temperature, humidity, precipitation probability, today's minimum temperature, today's maximum) included in the weather and time widget 500 displayed on the user device 100 . temperature, etc.), set the last digit 7 of today's date as the first digit of the 4-digit first PIN number, and set 30, the minute of the current time, as the 4-digit first PIN number according to preset combination information. Set the second and third digits of the number, set 3, the first digit among the current temperature in two-digit units, to the fourth digit of the first PIN number, and set the first PIN number '7303' .

As another example, when a 4-digit second PIN number needs to be set, as shown in FIG. 6 , the user device 100 displays the weather and time widget 610 in a partial area of the user device 100 . and an input item 630 for displaying preset combination information 620 in another partial region of the user device 100 and receiving a second PIN number according to the user input in another partial region of the user device 100 ) is indicated. In addition, after the user of the user device 100 checks the weather and time widget 610 and the combination information 620 , the user device 100 displays a 4-digit second PIN number (eg, 7304 ) according to the user input. ) is received.

The embodiment of the present invention describes a state in which the combination information is preset by the user of the user device 100 and the user device 100 and the service providing device 300 store the same combination information in advance. There is no limitation, and the user device 100 may set the location of the specific information corresponding to the specific information selected according to the user selection (or user input) from among the plurality of information displayed on the user device 100 by combining the location of the specific information. .

That is, when the first specific information, the second specific information, the third specific information, and the fourth specific information are sequentially selected (or touched) from among the plurality of information displayed on the user device 100 , the user device 100 is The selected first to fourth specific information is set as a PIN number according to a user input, and location information of the first to fourth specific information is set (or generated) as combination information.

As another example, when it is necessary to set a 4-digit second PIN number, as shown in FIG. 7 , a 2-digit '8', the second digit of the month, '0', the second digit of the two-digit temperature, '0', the first digit of the two-digit hour, the second digit of the two-digit hour When '1' is sequentially selected, the user device 100 sets the third PIN number 720 to 8001 respectively selected in sequence. In addition, the user device 100 sets two of the second digit of the two digit month corresponding to the first digit of the third PIN number and the temperature of the two digit number corresponding to the second digit of the third PIN number. Combination information including the first digit of the two-digit time corresponding to the third digit of the second digit, the third PIN number, and the second digit of the two-digit time corresponding to the fourth digit of the third PIN number set (S410).

Thereafter, the user device 100 transmits the set PIN number, a plurality of pieces of information referenced when setting the corresponding PIN number, identification information of the user device 100 , and the like to the service providing device 300 . Here, the identification information of the user device 100 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card unique information, serial number, and the like.

At this time, when a payment card is selected by the user device 100 , the user device 100 provides information on the selected payment card (or payment card/payment card type), a PIN number set in response to the selected payment card, and a corresponding PIN number. A plurality of pieces of information referenced during setting, identification information of the user device 100, and the like may be transmitted to the service providing device 300 .

As an example, the user device 100 automatically performs information on an AA payment card selected from among a plurality of payment cards, based on a weather and time widget displayed on the user device 100 corresponding to the AA payment card, and preset combination information. The set first PIN number (including, for example, 7303), a plurality of information referenced when setting the first PIN number (for example, date, time, weather, temperature, humidity, probability of precipitation, today's minimum temperature, today's maximum temperature) etc.) (or information on the weather and time widget including the plurality of pieces of information and date and time information at the time of setting the first PIN number), identification information of the user device 100, etc. to the service providing device 300 ) is sent to

As another example, the user device 100 based on information on a BB payment card selected from among a plurality of payment cards, a weather and time widget displayed on the user device 100 corresponding to the BB payment card, and preset combination information. The second PIN number set according to the user input (eg, including 7304), a plurality of information referenced when setting the second PIN number (eg, date, time, weather, temperature, humidity, precipitation probability, today's minimum temperature, (including today's maximum temperature, etc.) (or information on the weather and time widget including a plurality of information and date and time information at the time of setting the second PIN number), identification information of the user device 100, etc. It is transmitted to the providing device 300 .

Here, when the combination information is set in the user device 100 when setting the PIN number, the user device 100 separates the combination information and the PIN number and transmits it to the service providing device 300 .

That is, when the PIN number is set, when the combination information is set in the user device 100, the user device 100 sets information about the selected payment card (or payment card/payment card type), set corresponding to the selected payment card. A PIN number, a plurality of pieces of information referenced when setting the corresponding PIN number, identification information of the user device 100, etc. are first transmitted to the service providing device 300 , and combination information set later, identification information of the user device 100, etc. may be transmitted secondarily to the service providing device 300 .

In this way, by separately transmitting the PIN number and combination information, it is possible to prevent information leakage due to hacking (S420).

Thereafter, the service providing device 300 transmits information about a payment card (or payment card/payment card type) transmitted from the user device 100 , a PIN number, a plurality of pieces of information referenced when setting the corresponding PIN number, and the user device 100 . ) to receive identification information, etc.

In addition, the service providing apparatus 300 generates another PIN number based on combination information previously stored in the service providing apparatus 300 among a plurality of pieces of information referenced when setting the received corresponding PIN number. Here, the combination information pre-stored in the service providing device 300 is the same information as the combination information pre-stored in the user device 100, and may be in a state set by the user device 100 (or the user of the user device 100). have.

As an example, the service providing device 300 includes a plurality of information (eg, date, time, weather, temperature, humidity, precipitation probability, today's minimum temperature, (including today's maximum temperature, etc.) (or information on the weather and time widget including a plurality of information and date and time information at the time of setting the first PIN number (or second PIN number)), the corresponding service providing device Combination information stored in advance in 300 (for example, set the last digit of today's date to the first digit of a 4-digit PIN number, and set the minute of the current time to the second digit and three digits of the 4-digit PIN number) The third PIN number '7303' is generated based on the combination of setting the first digit of the two-digit current temperature to the fourth digit of the PIN number).

In addition, when setting the PIN number, when the combination information is set in the user device 100 , the service providing device 300 provides information on the payment card that is first transmitted from the user device 100 (or payment card/payment card type) ), a PIN number set in response to the selected payment card, a plurality of pieces of information referenced when setting the corresponding PIN number, identification information of the user device 100, and the like, combination information transmitted secondarily from the user device 100 , identification information of the user device 100 may be received.

Also, the service providing apparatus 300 may generate another PIN number based on the received combination information among a plurality of pieces of information referenced when setting the received corresponding PIN number ( S430 ).

Thereafter, the service providing device 300 determines (or confirms) whether the PIN number transmitted from the user device 100 matches another PIN number generated by the corresponding service providing device 300 .

As an example, the service providing device 300 includes a first PIN number (eg, including 7303) transmitted from the user device 100 and a fourth PIN number (eg, 7303) generated by the service providing device 300 (eg, 7303). determine whether they match.

As another example, the service providing device 300 includes a second PIN number (eg, including 7304) transmitted from the user device 100 and a fourth PIN number (eg, 7303) generated by the service providing device 300 (eg, 7303). It is determined whether they match (S440).

As a result of the determination (or verification result), when the PIN number transmitted from the user device 100 and another PIN number generated by the corresponding service providing device 300 match, the service providing device 300 performs authentication for the PIN number It is determined (or confirmed) that it is normally completed, and information on the received payment card (or payment card/payment card type), a PIN number (or a PIN number corresponding to information on the payment card), and identification of the user device 100 Store (or temporarily store) information, etc.

Accordingly, the service providing apparatus 300 may maintain a standby state (or check-in state) for simple payment.

For example, when the first PIN number (eg, including 7303) transmitted from the user device 100 matches the fourth PIN number (eg, 7303) generated by the service providing device 300, the service providing device 300 is a first PIN number automatically set based on the received information on the AA payment card, the weather and time widget displayed on the user device 100 corresponding to the AA payment card, and preset combination information (for example, 7303), a plurality of information referenced when setting the first PIN number (including, for example, date, time, weather, temperature, humidity, probability of precipitation, today's minimum temperature, today's maximum temperature, etc.) (or the plurality of information Information on the weather and time widget, including the date and time information at the time of setting the first PIN number), and identification information of the user device 100 are temporarily stored, and the standby state is maintained (S450).

In addition, as a result of the determination, when the PIN number transmitted from the user device 100 and another PIN number generated by the service providing device 300 do not match, the service providing device 300 determines that authentication for the PIN number has failed. It is determined (or it is determined that there is an error in the PIN number transmitted from the user device 100 ), generates authentication failure information, and transmits the generated authentication failure information to the user device 100 .

As another example, when the second PIN number (eg, including 7304) transmitted from the user device 100 and the fourth PIN number (eg, 7303) generated by the service providing device 300 do not match, service The providing device 300 generates authentication failure information and transmits the generated authentication failure information to the user device 100 .

In addition, as a result of the determination, when the PIN number transmitted from the user device 100 and another PIN number generated by the service providing device 300 do not match, the service providing device 300 determines that authentication for the PIN number has failed. Determining (or determining that there is an error in the PIN number transmitted from the user device 100), generating a PIN number retransmission request signal to request the user device 100 to retransmit the corresponding PIN number, and generating the PIN number A retransmission request signal is transmitted to the user device 100 . In addition, the service providing device 300 receives the newly set PIN number transmitted from the user device 100 in response to the PIN number retransmission request signal transmitted to the user device 100 , and authenticates the received newly set PIN number. The procedure can be performed again.

As another example, when the second PIN number (eg, including 7304) transmitted from the user device 100 and the fourth PIN number (eg, 7303) generated by the service providing device 300 do not match, The service providing device 300 generates a PIN number retransmission request signal and transmits the generated PIN number retransmission request signal to the user device 100 (S460).

Thereafter, the user device 100 receives authentication failure information transmitted from the service providing device 300 in response to the previously transmitted PIN number.

Also, the user device 100 displays the received authentication failure information.

For example, the user device 100 receives authentication failure information transmitted from the service providing device 300 in response to the previously transmitted second PIN number, and displays the received authentication failure information.

Also, the user device 100 receives a PIN number retransmission request signal transmitted from the service providing device 300 in response to the previously transmitted PIN number.

Also, the user device 100 sets a new PIN number based on preset combination information among a plurality of pieces of information displayed on the user device 100 at the corresponding time based on the received PIN number retransmission request signal.

In addition, the user device 100 includes a newly set PIN number, a plurality of pieces of information referenced when setting the newly set PIN number, information about a payment card (or payment card/payment card type), identification information of the user device 100, etc. is transmitted to the service providing device 300, and the authentication procedure for the newly set PIN number is performed again (S470).

A user device, a service providing device, a POS terminal, and a payment system including the same according to an embodiment of the present invention can be written as a computer program, and codes and code segments constituting the computer program can be easily prepared by a computer programmer in the art. can be inferred. In addition, the computer program is stored in a computer-readable information storage medium (computer readable media), and is read by a computer or a user device according to an embodiment of the present invention, a beacon, a service providing device, a POS terminal, a payment server, etc. By being executed, it is possible to implement a user device, a service providing device, a POS terminal, and a payment system including the same.

The information storage medium includes a magnetic recording medium, an optical recording medium and a carrier wave medium. A user device, a service providing device, a POS terminal, and a computer program implementing a payment system including the same according to an embodiment of the present invention are stored and installed in the internal memory of the user device, beacon, service providing device, POS terminal, payment server, etc. can be Alternatively, an external memory such as a smart card storing and installing a computer program implementing a user device, a service providing device, a POS terminal, and a payment system including the user device according to an embodiment of the present invention and the user device, a beacon, a service through an interface It may be mounted on a providing device, a POS terminal, a payment server, or the like.

As described above, in the embodiment of the present invention, a different PIN number is set each time using information that is combined in a manner set in advance by the user, rather than OTP in the form of providing a random number while interworking with the service providing device. It can improve performance and improve convenience in use.

In addition, as described above, in the embodiment of the present invention, when a PIN number is generated in a preset combination method based on continuously changing information, it is difficult for the user to clearly understand it, so this combination is possible change information is provided as if it were a general terminal interface, so that the user can quickly and easily create or input a corresponding PIN even though the PIN changes every time.

Those of ordinary skill in the art to which the present invention pertains may modify and modify the above-described contents without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical spirit of the present invention, but to explain, and the scope of the technical spirit of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed by the following claims, and all technical ideas within the equivalent range should be construed as being included in the scope of the present invention.

The present invention is not OTP in the form of providing a random number while interworking with a service providing device, but by setting a different PIN number each time using information that is combined in a method set in advance by the user, thereby increasing security and improving ease of use It can be widely used in a simple payment field, an advertisement field, a service providing device field, a user device field, a POS terminal field, a payment server field, and the like.

10: payment system 100: user device
200: beacon 300: service providing device
400: POS terminal 500: payment server
110: user device communication unit 120: user device storage unit
130: user device display unit 140: user device audio output unit
150: user device control unit

Claims (10)

A first PIN number is set based on preset combination information among a plurality of pieces of information included in a widget displayed on the user device, and the set first PIN number, a plurality of pieces of information referenced when setting the first PIN number, and the first PIN number are set. 1 the user device for transmitting information on the selected payment card and identification information of the user device in response to the PIN number to the service providing device; and
A second PIN number is generated based on combination information previously stored in the service providing device from among a plurality of pieces of information referenced when setting the first PIN number transmitted from the user device, and the first PIN number transmitted from the user device and and the service providing device that determines whether the generated second PIN number matches, and maintains a standby state for simple payment when the first PIN number and the second PIN number match as a result of the determination do,
The combination information includes location information of information to be referenced among the plurality of information for each digit constituting the PIN number in order to set the PIN number,
The user device sets the first PIN number by setting a number selected based on the location information in the reference information among the plurality of pieces of information according to the combination information for each number of digits constituting the PIN number,
The plurality of pieces of information referenced when setting the first PIN number includes information on the widget and information on a date and time when the first PIN number is set. delete delete ◈Claim 4 was abandoned when paying the registration fee.◈ The method of claim 1,
The service providing device, as a result of the determination, when the first PIN number and the second PIN number do not match, determines that the authentication for the first PIN number has failed and generates authentication failure information, sending authentication failure information to the user device;
The user device receives authentication failure information transmitted from the service providing device, and displays the received authentication failure information. ◈Claim 5 was abandoned when paying the registration fee.◈ The method of claim 1,
When the service providing device does not match the first PIN number and the second PIN number as a result of the determination, the service providing device determines that authentication for the first PIN number has failed and requests retransmission of the PIN number. A payment system, characterized in that generating a retransmission request signal, and transmitting the generated PIN number retransmission request signal to the user device. delete In order to set a PIN number using a plurality of pieces of information included in a widget displayed on the user device through the user device, for each digit constituting the PIN number, location information of information to be referenced among the plurality of pieces of information is included. setting a first PIN number based on preset combination information;
Transmitting, through the user device, the set first PIN number, a plurality of pieces of information referenced when setting the first PIN number, information about a payment card selected in response to the first PIN number, and identification information of the user device ;
generating, through a service providing device, a second PIN number based on combination information previously stored in the service providing device from among a plurality of pieces of information referenced when setting the first PIN number transmitted from the user device;
determining, through the service providing device, whether the first PIN number transmitted from the user device matches the generated second PIN number; and
As a result of the determination, when the first PIN number and the second PIN number match, maintaining a standby state for simple payment through the service providing device,
The step of setting the first PIN number may include setting, through the user device, a number selected based on the location information in the reference information among the plurality of pieces of information according to the combination information for each number of digits constituting the PIN number. Further comprising the step of setting the first PIN number,
The plurality of pieces of information referenced when setting the first PIN number includes information on the widget and information on a date and time when the first PIN number is set. delete delete delete

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