KR102440792B1 - Payment service providing method, apparatus and system using blue tooth low energe communication - Google Patents

Abstract

One aspect of the present invention discloses a method for providing a payment service using BLE communication in an apparatus for providing a payment service. The method comprises the steps of receiving a BLE transmission signal from at least one of a vehicle BLE (Bluetooth Low Energy) device and a user wireless terminal through BLE communication (the vehicle BLE device is a BLE communication module mounted directly or indirectly in the vehicle. including, wherein the BLE transmission signal includes payment specific information related to payment) and imposing a preset cost for the payment method related to the payment specific information in real time based on the BLE transmission signal Including, the charging of the preset cost is made by interworking with a payment server in real time.

Description

Method, device and system for providing payment service using BLE communication

The present invention relates to a smart payment method, and more particularly, to a method of providing a smart payment service capable of enhancing user convenience using BLE communication.

Recently, for the convenience of tolling by drivers driving a vehicle, the use of a hi-pass device is increasing. However, in the conventional high-pass device, a high-pass gate facility must be installed, and there is a problem in that tolling is not performed in real time. This will be described in more detail with reference to FIG. 1 .

1 is a conceptual diagram for explaining a service method in a general high-pass system.

Referring to FIG. 1 , the high-pass module 115 must be disposed in the vehicle 110 , and the high-pass module 115 holds payment method information. The high-pass module 115 interworks with the directional RF module 125 attached to the high-pass gate 120 . The directional RF module 125 receives a signal including payment information for identifying the vehicle and/or payment method from the high-pass module 115 when the vehicle 110 passes the high-pass gate 120 . The received payment information is stored in the database 127 for a certain period of time. In general, the payment information is stored in the database 127 during the time of one day, and only after a point in time (eg, midnight) that the corresponding date passes is passed to the card company server 150 to complete the payment processing. By this process, the driver will know whether the payment is normally processed or not until the next day.

Since this conventional high-pass service system requires a large-scale gate facility, it is not efficient in terms of cost investment, and there is a problem in that it is difficult to apply the same method to other payment services because the charge itself is attributed to the vehicle. In addition, since data related to payment processing is stored for a long time and operated in the form of a request to the payment company server 150 the next day, there is a problem in that real-time performance of payment processing cannot be guaranteed.

A method of using Bluetooth has been studied to solve this problem, but the conventional billing method using Bluetooth performs a pairing procedure to identify the counterparty and then performs payment-related processing. There is a problem that does not work properly in the relationship of

An object according to an aspect of the present invention for solving the above-described problems is, the vehicle's own BLE (Bluetooth Low Energy) module and/or the user's personal wireless terminal becomes a transmitter of BLE communication, and the BLE module disposed at toll gates, gas stations, etc. It is to provide a method of providing a payment service using BLE communication in which payment is made under mutual communication by becoming a BLE receiver.

In accordance with an aspect of the present invention for achieving the above object, in a payment service providing device, a payment service providing method using BLE communication is at least one of a vehicle Bluetooth Low Energy (BLE) device and a user wireless terminal Receiving a BLE transmission signal through BLE communication from and imposing a preset cost on the payment means related to the payment specific information in real time based on the BLE transmission signal, wherein the imposition of the preset cost is performed by interworking with a payment server in real time can be done

The payment specific information is to be stored by mapping token information to a payment server corresponding to a user's payment method associated with at least one of the vehicle BLE device and the user wireless terminal or an issuer server that issued the payment method to the user can

The method further includes the steps of receiving information indicating whether the payment is normally processed according to the charge from the server and transmitting the BLE reception signal to at least one of the BLE device for the vehicle and the user wireless terminal through BLE communication. However, the BLE reception signal may include information indicating whether the payment is normally processed.

The method may further include advertising the existence of the payment service providing device to one of a nearby vehicle BLE module and a user wireless terminal through BLE communication.

The BLE transmission signal includes user information or device information of at least one of the BLE module for the vehicle and the user wireless terminal, and by comparing user information or device information included in the BLE transmission signal with pre-stored user information or device information Authenticating the user or the device, but subsequent to the user or device authentication being completed, the step of charging the predetermined cost may be performed.

The BLE transmission signal includes flag information indicating that it is related to payment, and the flag information may be included in a header of a packet associated with the BLE transmission signal.

In accordance with an aspect of the present invention for achieving the above object, a payment service providing device for providing a payment service using BLE communication is a BLE transmission signal from at least one of a vehicle BLE (Bluetooth Low Energy) device and a user wireless terminal. BLE communication circuit for receiving through BLE communication (the BLE device for the vehicle includes a module for BLE communication mounted directly or indirectly in the vehicle, and the BLE transmission signal includes payment specific information related to payment), the BLE A processor for charging a predetermined cost to a payment method related to the payment specific information in real time based on a transmission signal, and a memory electrically connected to the processor to store instructions related to the operation of the processor However, the processor may perform the imposition of a preset cost by interworking with the payment server in real time.

According to another aspect of the present invention for achieving the above object, a payment method using BLE communication in a vehicle BLE device, in response to the access of the user wireless terminal, requesting device specific information to the user wireless terminal, In response to the request, receiving device-specific information from the user wireless terminal, determining whether the received device-specific information matches pre-registered device-specific information and authenticating the user wireless terminal, whether the authentication Initiating a BLE communication-based payment procedure based on and according to the initiation of the BLE communication-based payment procedure, payment processing associated with a payment service providing device using a first payment method or a second payment method In the first payment method, the BLE device for the vehicle becomes a master device and generates a BLE transmission signal and provides it to the payment service providing device. The 2 payment method may be a method in which the user wireless terminal becomes a master device and generates a BLE transmission signal and provides it to the payment service providing device, whereby payment processing is performed.

The first payment method includes generating a BLE transmission signal through BLE communication and transmitting it to the payment service providing device, wherein the BLE transmission signal includes payment-specific information related to payment corresponding to the device-specific information. may include

The method may further include receiving a BLE reception signal indicating whether a payment request generated based on the BLE transmission signal is normally processed from the payment service providing device through BLE communication in real time.

The payment-specific information may include payment method information associated with a user corresponding to the device-specific information.

The second payment method includes generating a BLE transmission signal in the user wireless terminal and providing a signal requesting to perform a payment procedure according to the generated BLE transmission signal to the user wireless terminal, the BLE transmission The signal may include payment-specific information related to payment of a cost corresponding to the device-specific information.

The authentication of the user wireless terminal is made by pairing or wired connection associated with BLE communication with the user wireless terminal, and in response to the pairing or wired connection being made, the BLE communication-based payment procedure is automatically performed can be initiated.

The BLE transmission signal includes flag information indicating that it is related to payment, and the flag information may be included in a header of a packet associated with the BLE transmission signal.

According to another aspect of the present invention for achieving the above object, a BLE device for a vehicle for payment using BLE communication is a communication unit configured to communicate with a user wireless terminal and a payment service providing device, and is electrically connected to the communication unit , request device-specific information to the user wireless terminal in response to the access of the user wireless terminal, and in response to the request, receive device-specific information from the user wireless terminal, the received device-specific information is pre-registered The user wireless terminal is authenticated by determining whether it matches the device-specific information, and a payment service based on the BLE communication is initiated based on whether the authentication is performed, using the first payment method or the second payment method. ) A processor for performing payment processing associated with the providing device and a memory electrically connected to the processor for storing instructions related to the operation of the processor, wherein the first payment method is a vehicle BLE device master device ) is a method in which payment processing is performed by generating a BLE transmission signal and providing it to the payment service providing device, and in the second payment method, the user wireless terminal becomes a master device and generates a BLE transmission signal to provide the payment service It may be a method in which payment processing is performed by providing to the device.

According to another aspect of the present invention for achieving the above object, a payment method using BLE communication in a user wireless terminal comprises the steps of receiving a device identification number request of the user wireless terminal from a vehicle BLE communication module, the request In response, transmitting the device-specific information to the BLE communication module for the vehicle, initiating a BLE communication-based payment procedure according to a device authentication result made based on the device-specific information, and a BLE communication-based payment procedure In accordance with the disclosure, including the step of performing a payment processing associated with a payment service providing device using a first payment method or a second payment method, wherein the first payment method is a vehicle BLE module using a master device ( A master device) is a method in which payment processing is made by generating a BLE transmission signal and providing it to the payment service providing device, and in the second payment method, the user wireless terminal becomes a master device and generates a BLE transmission signal to generate the payment It may be a method in which payment processing is performed by providing the service to the service providing device.

The second payment method includes generating a BLE transmission signal through BLE communication and transmitting it to the payment service providing device, wherein the BLE transmission signal includes payment-specific information related to payment corresponding to the device-specific information. may include

The payment-specific information may include payment method information associated with a user corresponding to the device-specific information.

The method may further include receiving a BLE reception signal indicating whether a payment request generated based on the BLE transmission signal is normally processed from the payment service providing device through BLE communication in real time.

The first payment method includes generating a BLE transmission signal of the vehicle BLE module and providing a signal requesting payment according to the generated BLE transmission signal to the vehicle BLE module, wherein the BLE transmission signal is It may include payment-specific information related to payment of a cost corresponding to the device-specific information.

The BLE transmission signal includes flag information indicating that it is related to payment, and the flag information may be included in a header of a packet associated with the BLE transmission signal.

According to another aspect of the present invention for achieving the above object, a user wireless terminal device for payment using BLE communication includes a communication unit configured to communicate with a user wireless terminal and a payment service providing device, and electrically with the communication unit Connected, receiving a device specific number request of the user wireless terminal from the vehicle BLE communication module, and in response to the request, transmits the device specific information to the vehicle BLE communication module, a device made based on the device specific information Initiating the BLE communication-based payment procedure according to the authentication result, and as the BLE communication-based payment procedure is initiated, the payment processing associated with the payment service providing device using the first payment method or the second payment method is performed and a memory electrically connected to the processor to store instructions related to the operation of the processor, wherein in the first payment method, the vehicle BLE module becomes a master device to generate a BLE transmission signal The payment processing is performed by providing the payment service to the payment service providing device, and in the second payment method, the user wireless terminal becomes the master device to generate a BLE transmission signal and provide the payment service to the payment service providing device. This may be the way it is done.

According to another aspect of the present invention for achieving the above object, a payment method using BLE communication in a user wireless terminal is a step of initiating a BLE communication-based payment procedure by a user input, the BLE communication-based payment procedure In accordance with the disclosure, including the step of generating a BLE transmission signal and transmitting it to the payment service providing device through BLE communication, wherein the BLE transmission signal includes payment specific information related to payment, and generating the BLE transmission signal The transmitting may include transmitting the BLE transmission signal by periodically broadcasting to the surroundings or transmitting the BLE transmission signal in a unicast manner in response to an advertisement from the payment service providing device. can

According to another aspect of the present invention for achieving the above object, a user wireless terminal device for payment using BLE communication is a communication unit configured to communicate with a user wireless terminal and a payment service providing device, and is electrically connected to the communication unit and initiates a BLE communication-based payment procedure by user input, and according to the start of the BLE communication-based payment procedure, generates a BLE transmission signal and transmits it to a payment service providing device through BLE communication, and the processor and the electrical including a memory connected to and storing instructions related to the operation of the processor, wherein the BLE transmission signal includes payment-specific information related to payment, and the processor periodically broadcasts the BLE transmission signal toward the surroundings The BLE transmission signal may be transmitted by casting or in response to an advertisement from the payment service providing apparatus in a unicast manner.

According to the method of providing a payment service using BLE communication according to an aspect of the present invention, the charging method such as tolling, which was imposed on a vehicle, is converted to a personal payment, so that the billing processing efficiency is improved, and the high-pass gate facility is installed in real time. There is an effect that can realize tolling.

1 is a conceptual diagram for explaining a service method in a general high-pass system;
2 is a block diagram schematically showing a system to which a method of providing a payment service using BLE communication according to an embodiment of the present invention is applied;
3 is a conceptual diagram for explaining a payment service procedure provided in various scenarios;
4 is a detailed flowchart illustrating a process in which a payment service is provided based on a vehicle BLE module when a vehicle BLE module is present;
5 is a detailed flowchart specifically illustrating a process in which a payment service is provided based on a user wireless terminal when a vehicle BLE module is present;
6 is a detailed flowchart illustrating a process in which a payment service is provided based on a user wireless terminal in the absence of a vehicle BLE module;
7 is a conceptual diagram for explaining a method of installing a BLE receiving module;
8 is a block diagram showing the configuration of a vehicle BLE device using BLE communication according to an embodiment of the present invention;
9 is a block diagram showing the configuration of a payment service device using BLE communication according to an embodiment of the present invention;
10 is a block diagram illustrating a configuration of a user wireless terminal device using BLE communication according to an embodiment of the present invention.

Since the present invention can have various changes and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail.

However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention.

Terms such as first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The above 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, a second component may also be referred to as a first component. and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

When a component is referred to as being “connected” or “connected” to another component, it may be directly connected or connected to the other component, but it is understood that other components may exist in between. it should be On the other hand, when it is said that a certain element is "directly connected" or "directly connected" to another element, it should be understood that the other element does not exist in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present application, terms such as “comprise” or “have” are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, but one or more other features It is to be understood that this does not preclude the possibility of the presence or addition of numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present application. does not

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the accompanying drawings. In describing the present invention, in order to facilitate the overall understanding, the same reference numerals are used for the same components in the drawings, and duplicate descriptions of the same components are omitted.

Payment service providing system using BLE communication

2 is a block diagram schematically illustrating a system to which a method of providing a payment service using BLE communication according to an embodiment of the present invention is applied. 2, the BLE communication-based payment service providing system according to an embodiment of the present invention is a user wireless terminal 210, a vehicle BLE module 220, a payment service providing device 230 and a payment server ( 240) may be included.

Referring to FIG. 2 , the user wireless terminal 210 includes a portable wireless terminal of a driver who rides and drives a vehicle or a passenger who rides next to or behind the driver. The user wireless terminal 210 includes an electronic device equipped with a wireless communication function, particularly a BLE communication function, and may be referred to as an application related to payment processing such as credit card, check card, account transfer, etc. ), including devices running In one example, the user wireless terminal 210 is a mobile station (MS), user equipment (UE), user terminal (UT), wireless terminal, access terminal (AT), terminal, fixed or mobile subscriber Unit (Subscriber Unit), Subscriber Station (SS), Cellular Telephone, Wireless Device, Wireless Communication Device, Wireless Transmit/Receive Unit (WTRU), Mobile Node, Mobile, Mobile Station, It may be referred to as a personal digital assistant (PDA), smartphone, laptop, netbook, personal computer, wireless sensor, consumer electronic device (CE) or other terms. Various embodiments of the terminal include a cellular phone, a smart phone having a wireless communication function, a personal digital assistant (PDA) having a wireless communication function, a wireless modem, a portable computer having a wireless communication function, and a digital camera having a wireless communication function. devices, gaming devices with wireless communication capabilities, music storage and playback appliances with wireless communications capabilities, Internet appliances with wireless Internet access and browsing, as well as portable units or terminals incorporating combinations of such functions. However, the present invention is not limited thereto. Hereinafter, it may be referred to as a user terminal, a terminal, or the like.

Meanwhile, the user wireless terminal 210 may provide a BLE transmission signal to the payment service providing device 230 in conjunction with the vehicle BLE module 220 . The BLE transmission signal includes payment specific information for payment. In an example in which the vehicle BLE module 220 is present, the user wireless terminal 210 is a slave device, and only serves to initiate a BLE communication-based payment operation of the vehicle BLE module 220. can In another example, after performing device authentication with the vehicle BLE module 220 , the user wireless terminal 210 may directly perform a BLE communication-based payment operation as a master device. To this end, the terminal 210 may directly communicate with the payment service providing apparatus 230 through BLE communication by generating a BLE transmission signal including payment method information indicating the user's payment method for payment. The payment method of the user is a credit card payment method, a check card payment method, a debit card payment method, a cash card payment method, a prepaid card payment method, a bank transfer payment method, a communication fee payment method, a point payment method, etc. all types of payment methods to be used for payment and settlement), and the payment method information is a generic term for a data set (or data set) used for payment processing using the payment method. For example, the payment method information of the credit card payment method may include a credit card number, an expiration date, and the name of a card holder.

Additionally, when the vehicle BLE module 220 is present, the user wireless terminal 210 executes an app for vehicle cost payment by a user's input, and then may directly perform a BLE communication-based payment operation. When the app is executed, a BLE transmission signal including payment method information may be activated, and a BLE transmission signal may be periodically generated and provided to the surroundings in a broadcast manner. That is, the user wireless terminal 210 becomes an advertiser and periodically provides a BLE transmission signal, and a BLE receiver capable of receiving it responds to the BLE transmission signal, so that a payment operation can be mutually performed. . The reverse situation is also possible. The BLE receiver (eg, the payment service providing device 230 ) provides an advertising signal informing of its existence, and the user wireless terminal 210 that has received it may generate a BLE transmission signal and transmit it to the BLE receiver. . The BLE transmission signal may include at least some of device-specific information and user identification information, in addition to payment method information.

The device receiving at least one of the information may store in advance or directly download and retain device-specific information, user identification information and/or payment method information, registered through the app, and retain the information and the BLE By comparing the information included in the transmission signal, the validity of the user, the device, and the payment method can be authenticated. When registered in the app, device-specific information, user identification information, and/or payment method information registered in the app becomes available for distribution through the operating server that operates the app, and the device and server related to the app download it in real time or periodically Therefore, you may retain it in your own storage medium.

According to an embodiment of the present invention, the BLE communication-based payment operation performed based on the user wireless terminal 210 and/or the vehicle BLE module 220, and transmission and reception of a BLE transmission signal and a BLE reception signal may not be performed on the premise of pairing. That is, in the BLE communication frequency band, it means an operation in which a BLE signal is transmitted and received in a one-to-many relationship without pairing, and can be interpreted as being separate from a pairing operation forcing a one-to-one connection. For example, it is possible to transmit a BLE transmission signal to another device even in a situation in which pairing has occurred, and an app may be executed through pairing to more actively transmit the BLE transmission signal.

The vehicle BLE module 220 refers to equipment capable of BLE communication directly and/or indirectly mounted on a vehicle. In this specification, although referred to as a module, it may be a module attached to the vehicle or a separate device provided independently of the vehicle. In one example, the vehicle BLE module 220 is a vehicle's own BLE module, a BLE module in an infotainment system provided in the vehicle itself, a module connected to a cigar jack, a card type module, a module including a shark fin antenna, etc. It may be implemented as at least one of modules attached to the vehicle or connected to the vehicle. These devices can be powered based on the ACC power source. In another example, the high-pass device power source, the vehicle battery power source, and the external power supply module may be interlocked to receive power and may be installed at an appropriate location inside or outside the vehicle. Hereinafter, it may be called a BLE device for a vehicle, a module for a vehicle, a module, a device for a vehicle, a device, and the like.

The vehicle BLE module 220 may recognize the approach of the user wireless terminal 210 . By using the wireless signals of various frequency bands transmitted from the user wireless terminal 210 as a trigger, a payment processing app stored therein may be executed. The procedure for recognizing and authenticating access and each other between the vehicle BLE module 220 and the user wireless terminal 210 may use a communication protocol of a band other than the BLE communication band. For example, by transmitting or receiving a signal for connection with a wireless device, such as a Wi-fi paging signal or a random access signal of the user wireless terminal 210 , and recognizing an approach between each other, the user wireless terminal After receiving a signal including device-specific information from 210, device authentication is performed based on device-specific information to control the payment processing app to be executed when device authentication is normally completed. When the device authentication is completed, the app of the BLE module 220 for the vehicle recognizes that the user is in the vehicle and controls so that payment processing is automatically performed through BLE communication when expenses occur while driving. For payment made automatically based on BLE communication, the vehicle BLE module 220 may periodically generate a BLE transmission signal and transmit it to the surroundings. The generation and transmission of the BLE transmission signal is similar to the operation in the user wireless terminal 210 . That is, according to the user setting, the vehicle BLE module 220 becomes a master device and directly generates a BLE transmission signal and provides it to the payment service providing device 230 , and the vehicle BLE module 220 becomes a slave device, and the user It may serve to simply request that the wireless terminal 210 generate a BLE transmission signal to perform payment processing with the payment service providing apparatus 230 . In this case, the BLE transmission signal may include at least some of the module's own identification code, user terminal device identification information, and user identification information in addition to payment method information.

The user wireless terminal 210 and/or the vehicle BLE module 220 appropriately generates a BLE transmission signal for a payment request, token information for identifying device/user identification information (code) and authenticated payment method information can be mapped and stored, and used for device authentication. It is registered and stored through the payment processing app. In addition, such information may be remotely mapped to and stored in the payment service providing device 230 and/or the payment server 240 .

In another example, the vehicle BLE module 220 may execute a payment processing app through a user input through the driver's input/output unit without access and device authentication of the user wireless terminal 210 . At this time, the vehicle BLE module 220 may register payment method information, user identification information, module identification information, and the like through the app, as in the information registration procedure in the user wireless terminal 210 above. The driver or passenger may force the payment processing procedure to start by executing the app of the BLE module 220 for the vehicle. Upon initiation of the payment processing procedure, the vehicle BLE module 220 directly generates a BLE transmission signal and transmits it to the payment service providing device 230 .

On the other hand, when the user's payment method information is registered and stored in the app, token information uniquely identifying the registered and stored payment method information may be generated (or numbered), and the token information is extracted ( Or, it can be used as a token for use). The token information may be generated/numbered through the operation server of the app, generated/numbered through the issuer server and/or payment server related to the payment method, or generated/numbered through the app of the user wireless terminal 210. . On the other hand, when the unique code and/or unique identification information is used as a token for extracting (or using) the registered and stored payment method information, the token information may be omitted, and the present invention is not limited thereto.

The payment service providing device 230 is a tolling gate or a BLE communication capable device installed in a store where the cost is generated (ie, a BLE Rx beacon device at the service site), and a vehicle BLE module 220 and/or a user wireless terminal 210 ) receives the BLE transmission signal received from and performs payment processing. In this case, the payment service providing apparatus 230 may first serve as an advertiser to notify its existence. That is, it is possible to periodically broadcast its existence to the surroundings, and the vehicle BLE module 220 and/or the user wireless terminal 210 that has received this advertising packet is the payment processing app executed. In the state, a BLE transmission signal for payment can be generated and transmitted. The payment service providing apparatus 230 may be implemented in the same form as an antenna, and may interwork with the payment server 240 . The payment server 240 includes a server of an issuer (eg, a card company, a bank, etc.) that issued the payment method. Alternatively, it may include a POS/PG (Payment Gateway)/VAN company server. Alternatively, it may include a network of a plurality of servers related to payment processing, and may refer to at least some of the plurality of servers in the network.

The payment service providing device 230 receives the BLE transmission signal from the vehicle BLE module 220 and/or the user wireless terminal 210 currently approaching itself in real time, and provides it to the payment server 240 for payment processing requests, and receives information on whether to approve it from the payment server 240 . Then, the BLE reception signal including information indicating whether the payment processing is normally processed or not is transmitted to the vehicle BLE module 220 and/or the user wireless terminal 210 that provides the BLE transmission signal. The payment service providing device 230 does not store and process the payment processing request generated based on BLE communication for a long time, but communicates with the payment server 240 in real time to process it, so that the occupant of the vehicle immediately determines whether or not the payment processing is approved. make it known If normal payment processing is not performed, block the gate when tolling, or take an action such as indicating that the fee is not paid at the gas station so that the vehicle can understand this before leaving the place where the payment service providing device 230 is located do. That is, delay processing due to abnormal payment processing can be minimized by securing real-time performance.

The payment service providing device 230 may be programmed to request payment processing for a preset amount. In this case, the charged amount may be changed according to user settings. The amount may be adaptively changed according to time, place, and circumstances.

In this specification, the payment service providing device 230 may be referred to as a payment service device, a service providing device, an apparatus, a BLE receiver, a receiving module, a receiving device, and the like. The payment service providing apparatus 230 may be installed at a tolling gate and implemented as a tolling device of a toll gate. In another example, the payment service providing apparatus 230 may be implemented as a portable device. The payment service providing device 230 may be implemented as a device for payment of expenses such as an F&B store, a gas station, a charging station, and a parking lot.

The payment server 240 receives the payment request received from the payment service providing device 230 and performs payment processing. The payment request may include at least one of user identification information and device/module identification information, including payment method information included in the BLE transmission signal. In addition, the payment server 240 stores information registered through a payment processing app executed in the vehicle BLE module 220 and/or the user wireless terminal 210 . The stored information includes at least one of module identification information, device identification information, user identification information, and payment method information, and the information may be matched and stored. According to an embodiment, as described above, the device/user identification information (code) and token information for identifying the authenticated payment method information are mapped and stored, and the server 240 performs the payment from the device 230 . In response to the request, the mapping relationship is checked, whether it is a pre-registered payment method, and whether to approve the payment is determined. The server 240 may transmit whether the payment processing is normally approved to the device 230 , and the device 230 may transmit it to the module 220 and/or the terminal 210 through BLE communication. In another example, the payment server 240 may directly notify the module 220 and/or the terminal 210 of whether the processing is normal.

3 is a conceptual diagram for explaining a payment service procedure provided in various scenarios.

Referring to FIG. 3 , a terminal 330 and/or a module may be disposed in a vehicle 310 . In addition, the terminal 330 and/or the module may have an app for vehicle payment installed. Each app may include device-specific information (ie, hardware (H/W)-specific information) and payment method information. At this time, depending on whether the vehicle BLE module exists, and whether the master device will be, the cost payment scenario may be implemented in various ways using BLE communication.

First, when the vehicle BLE module is present, the vehicle BLE module may be implemented as an embodiment as a master device. At this time, it is preferable that the app is installed in the BLE module for the vehicle. The module checks whether it is a pre-registered device based on device-specific information received from the terminal, receives payment method information, and executes an app installed in the module or vehicle. Then, the BLE transmission signal is directly generated and transmitted to the payment service providing device 325 . In another example, the module may execute the app by the input of the user riding in the vehicle without a signal from the terminal, and may perform BLE communication-based payment processing through this.

On the other hand, even in the presence of a vehicle BLE module, the user's wireless terminal can become the master and lead the BLE communication-based payment processing. At this time, the terminal and the module may cause to start the BLE communication-based payment processing procedure by executing the app to finish the device authentication, and trigger the device authentication. That is, upon receiving the authentication completion notification after device authentication is completed, the terminal may automatically generate a BLE transmission signal or cause it to prepare for generation.

When the vehicle BLE module exists, which device will become the master may vary according to user settings, or may be automatically determined based on the existence of an app. It is desirable that the device on which the app resides be the master. A device in which an App does not exist operates as a slave device that provides information in response to a request from a device in which the App exists. In one example, when a plurality of terminals are registered in the vehicle BLE module, while allowing the first terminal to operate as a master in response to the connection of the first terminal, the second terminal as a slave in response to the connection of the second terminal can be controlled to operate. That is, it is possible to assign different master/slave roles to different terminals. These master/slave role assignment criteria and priorities may be previously determined through user settings.

In another example, when there is no vehicle module, the terminal executes the app by the user input, and the terminal becomes the master to start BLE communication-based payment processing. That is, the terminal can control to automatically generate or prepare for generation of a BLE transmission signal.

Scenario 1

4 is a detailed flowchart illustrating a process in which a payment service is provided based on a vehicle BLE module when a vehicle BLE module exists.

Referring to FIG. 4 , the vehicle BLE module and the terminal must first perform device authentication. To this end, the vehicle BLE module may request device-specific information in response to the access of the terminal (S410). Then, after executing the app in response to the request, the terminal provides device-specific information it owns to the vehicle BLE module (S412). The vehicle BLE module compares the received device-specific information with the registered device-specific information it owns. Then, device authentication is performed based on the comparison result (S414). If it matches with the unique device information possessed, device authentication has been completed successfully; otherwise, device authentication fails. In case of failure, subsequent payment processing procedures are not executed. The terminal may provide payment method information while providing device-specific information. In this case, the payment method information may be provided as token information. The token information may be provided by being mapped with device or user-specific information.

After completing device authentication, the vehicle BLE module initiates a BLE-based payment procedure (S416). This is performed on the premise that a BLE communication-based payment processing app is installed in the vehicle BLE module. According to the start of the payment procedure, the vehicle BLE module generates a BLE transmission signal (S418). As described above, the BLE transmission signal may include payment method information stored in the module or received from the terminal, and, in addition, module/user identification information. In addition, the BLE transmission signal may be periodically broadcast toward the surroundings. Alternatively, it may be transmitted in a unicast manner in response to the advertising signal received from the payment service apparatus. The BLE transmission signal generated in the above manner is transmitted to the payment service device through the BLE communication method (S420). When the payment service device receives the received BLE transmission signal, it proceeds with an operation for payment processing (S422). The payment service device extracts payment method information (token information) and/or module/device specific information (or user information) included in the BLE transmission signal, and transmits it to a payment server (not shown) to request approval. Then, a response related to the approval process is received from the payment server. The payment service device generates a response received from the payment server as a BLE reception signal and transmits it to the vehicle BLE module through BLE communication (S424). Here, information on whether payment processing is normally approved may be included. The vehicle BLE module forwards it to the user wireless terminal (S426). The terminal and/or the vehicle BLE module displays the received information so that the user can check it.

According to an embodiment of the present invention, the BLE transmission signal and/or the BLE reception signal may include flag information indicating that it is related to payment using BLE communication. This may be attached to the header of the packet. That is, through the flag information, it is notified that the corresponding BLE signal is not transmitted for the purpose of pairing. In addition, since the corresponding packet is related to payment using BLE communication, it is possible to instruct the device performing the related processing to respond.

On the other hand, when a plurality of payment method information exists in the terminal and/or module, a payment method used according to priority according to a user setting may be applied first. Alternatively, a specific payment method may be used by directly designating the user. The BLE transmission signal may be generated based on payment method information (token information) corresponding to a designated payment method.

According to an embodiment of the present invention, for example, as in Apple CarPlay, after connecting to the vehicle by wire and interworking with the terminal, the payment processing app is executed, and device authentication and payment processing are performed manually or automatically may be made to proceed. In another example, when the vehicle and the terminal are paired through the BLE connection, the payment processing app may be automatically executed to allow device authentication and payment processing procedures to proceed. This can be applied even when the terminal becomes the master.

Scenario 2

5 is a detailed flowchart illustrating a process in which a payment service is provided based on a user wireless terminal when a vehicle BLE module is present.

Referring to FIG. 5 , the vehicle BLE module and the terminal perform device authentication in a manner similar to steps S410 to S414 of FIG. 4 ( S510-S514 ). This may be done through a communication protocol other than BLE communication.

After completing device authentication, the vehicle BLE module initiates a BLE-based payment procedure (S516). That is, the payment processing app of the BLE module for the vehicle causes the module to operate as a slave device, and generates a payment initiation request signal so that the terminal can become a master and proceed with payment processing and transmits it to the terminal (S518). The payment initiation request signal may include information indicating that device authentication has been successfully completed and information causing the terminal to execute a payment processing app to transmit a BLE transmission signal to the payment service device. In this case, payment method information and/or module/user unique number retained in the module may be transmitted. Upon receiving the payment initiation request signal, the terminal generates a BLE transmission signal (S520), and transmits it to the payment service device (S522). As described above, this may be performed in a broadcasting manner or a unicast manner. The payment service device may interwork with the payment server to perform a payment processing procedure (S524), and provide the result to the terminal through BLE communication (S526).

Scenario 3 - Absence of in-vehicle BLE modules

6 is a detailed flowchart illustrating a process in which a payment service is provided based on a user wireless terminal in the absence of a vehicle BLE module.

Referring to FIG. 6 , when the BLE module for the vehicle is absent, the user may proceed with a BLE communication-based payment procedure using his/her terminal. The user turns on the terminal and executes the payment processing app (S610). Then, based on the terminal, it is controlled to proceed with payment processing without a separate vehicle BLE module. According to the user's control, the terminal initiates a BLE-based payment procedure (S612), generates a BLE transmission signal (S614), and transmits it to the payment service device (S616). In this case, the BLE transmission signal may include payment method information and/or device/user-specific information. The payment service device may interwork with the payment server to perform a payment processing procedure (S624), and provide the result to the terminal through BLE communication (S626).

7 is a conceptual diagram for explaining a method of installing a BLE receiving module.

Referring to FIG. 7 , the BLE receiving module (payment service device) may be installed integrally with the tolling gate. The BLE receiving module may be installed on the longitudinal surface of the tolling gate facing the road surface.

In another example, the BLE receiving module may be installed together with the directional RF module. A directional RF module may be arranged on a longitudinal surface opposite to the road surface of the high-pass gate facility, and a BLE receiving module may be installed around it. The BLE receiving module may be arranged on a pillar supporting the longitudinal surface.

Alternatively, a BLE receiving module may be arranged together with a directional RF module on the longitudinal surface.

BLE devices for vehicles

8 is a block diagram illustrating the configuration of a vehicle BLE device using BLE communication according to an embodiment of the present invention. As shown in FIG. 8 , the BLE device 800 for a vehicle according to an embodiment of the present invention may include a communication unit 800 , a memory 820 , a processor 830 , and an input/output unit 840 .

Referring to FIG. 8 , the communication unit 810 is a component for exchanging information with other devices such as a user terminal and a payment service device. The communication unit 810 includes a communication device associated with a wired or wireless network. The communication unit 810 may include an antenna. According to an embodiment of the present invention, the communication unit 810 may include a BLE communication circuit 812 for BLE communication.

The memory 820 is a storage device that stores instructions related to programs to be executed by the processor 830 and stores various data required by the processor 830 . The memory 820 may store information related to user settings, registered device/module unique information, user information, and token information. The memory 820 may be implemented as a local memory inside the device or as an external large-capacity database.

The processor 830 is electrically connected to the communication unit 810 , the memory 820 , and the input/output unit 840 , and executes a program stored in the memory 820 . The processor 830 may include a device authentication unit 832 for authenticating a device based on device-specific information from the user terminal, and a payment request unit 834 for requesting payment and corresponding thereto.

The processor 830 may recognize the access of the terminal, as described above. After receiving the wireless signals of various frequency bands transmitted from the terminal through the communication unit 810, it is possible to execute the vehicle-related payment processing app stored therein by using this as a trigger. In particular, the device authentication unit 832 receives a signal including the device specific information from the terminal, and then performs device authentication based on the device specific information. In addition, when device authentication is normally completed, it controls so that payment processing through the BLE transmission signal transmission of the payment processing app can be started. When device authentication is completed, the payment request unit 834 recognizes that the user is in the vehicle, and controls payment processing to be automatically performed through BLE communication when expenses are incurred while driving. The payment request unit 834 may periodically generate and transmit a BLE transmission signal for payment made automatically based on BLE communication. At this time, the payment request unit 834 may (i) the device becomes the master device according to the user settings and directly generate a BLE transmission signal and provide it to the payment service device, (ii) the user wireless terminal generates a BLE transmission signal Thus, it may serve as a simple request for payment processing with the payment service device. At this time, the BLE transmission signal may include at least some of the module's own identification code, device-specific information, and user identification information, in addition to payment method information.

The payment request unit 834 may map and store device/module/user identification information (code) and token information for identifying authenticated payment method information, and use this for device authentication and BLE transmission signal generation.

The input/output module 840 includes information input means such as a keyboard and mouse, and information output means such as a monitor, TV, and touch screen. The input/output module 840 changes user settings related to whether the vehicle BLE device 800 becomes the master or the terminal becomes the master, inputs information for registration of modules, users, payment means, etc., and displays related contents. used

payment service device

9 is a block diagram illustrating a configuration of a payment service apparatus using BLE communication according to an embodiment of the present invention. As shown in FIG. 9 , the payment service apparatus 900 according to an embodiment of the present invention may include a communication unit 900 , a memory 920 , a processor 930 , and an input/output unit 940 .

Referring to FIG. 9 , the communication unit 910 is a component for exchanging information with other devices, such as a user terminal, a BLE module for a vehicle, and a payment server. The communication unit 910 includes a communication device associated with a wired or wireless network, and may be implemented as an antenna or the like. According to an embodiment of the present invention, the communication unit 910 includes a BLE communication circuit 912 for BLE communication. may include.

The memory 920 is a storage device that stores instructions related to programs to be executed by the processor 930 and stores various data required by the processor 930 . The memory 920 may store information related to user settings, registered device/module unique information, user information, and token information. The memory 920 may be implemented as a local memory inside the device or as an external large-capacity database.

The processor 930 is electrically connected to the communication unit 910 , the memory 920 , and the input/output unit 940 , and executes a program stored in the memory 920 . The processor 930 receives a BLE transmission signal from a user terminal or a BLE module for a vehicle, and performs an operation of generating a BLE reception signal for user authentication, payment authentication to a payment server, and payment processing guidance.

The processor 930 may include a user authentication unit 932 for user authentication, a payment request unit 934 for payment request and processing, and a payment processing guide unit 936 for guiding payment processing contents. As described above, the processor 930 receives the BLE transmission signal received from the vehicle BLE module and/or the user wireless terminal to perform payment processing. In this case, the processor 930 may first serve as an advertiser to notify the existence of the payment service device. That is, it can periodically broadcast its existence to the surroundings, and the BLE module for the vehicle and/or the user wireless terminal that has received the advertising packet is BLE for payment while the payment processing app is running. Generates a transmit signal and causes it to be transmitted.

The user authentication unit 932 receives a BLE transmission signal from a vehicle BLE module and/or a user wireless terminal currently approaching itself in real time, and compares the user/device specific information included in the signal with the previously registered information. Perform device and/or user authentication. If it matches the previously registered information, the user/device is authenticated, and after authentication is completed, a payment approval request signal is provided to the payment server. Such user/device authentication is not required. In some cases, it may be omitted.

The payment request unit 934 requests payment processing and receives information on whether to approve or not from the payment server. The payment processing guide unit 936 transmits a BLE reception signal including information indicating whether payment processing is normally processed to the module 220 and/or the terminal providing the BLE transmission signal.

At this time, the payment request unit 934 does not store and process the payment processing request generated based on BLE communication for a long time, but communicate with the payment server in real time and process it so that the occupant of the vehicle can immediately know whether the payment processing is approved. let it be

The input/output module 940 includes information input means such as a keyboard and mouse, and information output means such as a monitor, TV, and touch screen. The input/output module 940 is used to change various user settings and input and output related information.

user wireless terminal device

10 is a block diagram illustrating a configuration of a user wireless terminal device using BLE communication according to an embodiment of the present invention. As shown in FIG. 10 , the user wireless terminal device 1000 according to an embodiment of the present invention may include a communication unit 1000 , a memory 1020 , a processor 1030 , and an input/output unit 1040 . .

Referring to FIG. 10 , the communication unit 1010 is a component for exchanging information with other devices, such as a vehicle BLE module and a payment service device. The communication unit 1010 includes a communication device associated with a wired or wireless network. The communication unit 1010 may include an antenna. According to an embodiment of the present invention, the communication unit 1010 may include a BLE communication circuit 1012 for BLE communication.

The memory 1020 is a storage device that stores instructions related to programs to be executed by the processor 1030 and stores various data required by the processor 1030 . The memory 1020 may store information related to user settings, registered device/module unique information, user information, token information, and the like. The memory 1020 may be implemented as a local memory inside the device or an external storage device.

The processor 1030 is electrically connected to the communication unit 1010 , the memory 1020 , and the input/output unit 1040 , and executes a program stored in the memory 1020 . The processor 1030, in response to a request from the vehicle BLE module, provides a device-specific information providing unit 1032 for performing device authentication by providing device-specific information, and a payment request for requesting payment and corresponding to the device-specific information providing unit 1032 unit 1034 .

As described above, the payment request unit 1034 may provide a BLE transmission signal to the payment service providing device in conjunction with the vehicle BLE module. The BLE transmission signal includes payment specific information (token information) for payment. The signal may include device-specific information and/or user-specific information. In an embodiment in which the vehicle BLE module exists, the payment request unit 1034 is a slave device, and may only perform a role of initiating a BLE communication-based payment operation of the vehicle BLE module. In another example, after performing the vehicle BLE module and device authentication through the device specific information providing unit 1032, the payment request unit 1034 is a terminal directly as a master device, BLE communication-based payment operation Control it to be active. To this end, the payment request unit 1034 may generate a BLE transmission signal including payment method information and communicate directly with the payment service device through BLE communication.

Additionally, when a BLE module for a vehicle exists, the payment request unit 1034 may execute an app for vehicle cost payment by a user's input and then directly perform a BLE communication-based payment operation. When the app is executed, a BLE transmission signal including payment method information may be activated, and a BLE transmission signal may be periodically generated and provided to the surroundings. That is, the terminal becomes an advertiser and periodically provides a BLE transmission signal, and a BLE receiver capable of receiving it responds to the BLE transmission signal, so that a payment operation can be mutually performed. The reverse situation is also possible. A BLE receiver (eg, a payment service providing device) may provide an advertising signal informing of its existence, and the payment request unit 1034 receiving it may generate a BLE transmission signal and transmit it to the BLE receiver. The BLE transmission signal may include at least some of device-specific information and user identification information, in addition to payment method information.

The input/output module 1040 includes an information input means such as a keyboard and a mouse and an information output means such as a monitor, a TV, and a touch screen. The input/output module 1040 is used to change various user settings, input related information, and display related contents.

The system or apparatus described above may be implemented as a hardware component, a software component, and/or a combination of the hardware component and the software component. For example, the systems, devices and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA). ), a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions, may be implemented using one or more general purpose or special purpose computers. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that may include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

The software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or device, to be interpreted by or to provide instructions or data to the processing device. , or may be permanently or temporarily embody in a transmitted signal wave. The software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

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

As described above, although the embodiments have been described with reference to the limited embodiments and drawings, various modifications and variations are possible by those skilled in the art from the above description. For example, the described techniques are performed in a different order than the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (24)

delete delete delete delete delete delete delete In the payment method using BLE communication in the vehicle BLE device,
requesting device-specific information to the user wireless terminal in response to the access of the user wireless terminal;
receiving device-specific information from the user wireless terminal in response to the request;
authenticating the user wireless terminal by determining whether the received device-specific information matches pre-registered device-specific information;
initiating a BLE communication-based payment procedure based on whether the authentication is performed; and
In accordance with the initiation of the BLE communication-based payment procedure, performing a payment process associated with a payment service providing device using a first payment method or a second payment method,
In the first payment method, if an app for payment processing does not exist in the user wireless terminal, the vehicle BLE device becomes a master device and generates a BLE transmission signal and provides the payment service to the payment service providing device. the way it is done,
In the second payment method, when an app for payment processing exists in the user wireless terminal, the user wireless terminal becomes a master device and generates a BLE transmission signal and provides the payment service to the payment service providing device. A payment method using BLE communication of a BLE device for a vehicle. The method of claim 8, wherein the first payment method comprises:
Comprising the step of generating a BLE transmission signal through BLE communication and transmitting it to the payment service providing device,
The BLE transmission signal includes payment specific information related to payment corresponding to the device specific information, a payment method using BLE communication of a BLE device for a vehicle. 10. The method of claim 9,
Using the BLE communication of the vehicle BLE device further comprising the step of receiving a BLE reception signal indicating whether the payment request generated based on the BLE transmission signal is normally processed from the payment service providing device through BLE communication in real time payment method. 10. The method of claim 9,
The payment specific information includes a payment method information associated with a user corresponding to the device specific information, a payment method using BLE communication of a BLE device for a vehicle. The method of claim 8, wherein the second payment method comprises:
Comprising the step of generating a BLE transmission signal in the user wireless terminal and providing a signal requesting to perform a payment procedure according to the generated BLE transmission signal to the user wireless terminal,
The BLE transmission signal includes payment specific information related to payment corresponding to the device specific information, a payment method using BLE communication of a BLE device for a vehicle. 9. The method of claim 8,
The authentication of the user wireless terminal is done by pairing or wired connection associated with BLE communication with the user wireless terminal,
In response to the pairing or wired connection being made, the payment procedure based on the BLE communication is automatically started, a payment method using BLE communication of a BLE device for a vehicle. 9. The method of claim 8,
The BLE transmission signal includes flag information indicating that it is related to payment,
The flag information is included in a header of a packet associated with the BLE transmission signal, a payment method using BLE communication of a BLE device for a vehicle. In the BLE device for a vehicle for payment using BLE communication,
a communication unit configured to communicate with the user wireless terminal and the payment service providing apparatus;
It is electrically connected to the communication unit, requests device-specific information from the user wireless terminal in response to the access of the user wireless terminal, and in response to the request, receives device-specific information from the user wireless terminal, the reception By determining whether the device-specific information matches the registered device-specific information, the user wireless terminal is authenticated, and based on the authentication, the BLE communication-based payment procedure is initiated, the first payment method or the second payment method a processor for performing payment processing associated with a payment service providing device using; and
A memory electrically connected to the processor to store instructions related to the operation of the processor,
In the first payment method, if an app for payment processing does not exist in the user wireless terminal, the vehicle BLE device becomes a master device and generates a BLE transmission signal and provides the payment service to the payment service providing device. the way it is done,
In the second payment method, when an app for payment processing exists in the user wireless terminal, the user wireless terminal becomes a master device and generates a BLE transmission signal and provides the payment service to the payment service providing device. Vehicle BLE device for payment using BLE communication. In a payment method using BLE communication in a user wireless terminal,
Receiving a device-specific information request of the user wireless terminal from the vehicle BLE communication module;
In response to the request, transmitting the device-specific information to the vehicle BLE communication module;
initiating a BLE communication-based payment procedure according to a device authentication result made based on the device-specific information;
In accordance with initiating a payment procedure based on BLE communication, performing a payment processing associated with a payment service providing device using a first payment method or a second payment method,
In the first payment method, if an app for payment processing does not exist in the user wireless terminal, the vehicle BLE module becomes a master device and generates a BLE transmission signal to provide the payment service providing device. the way it is done,
In the second payment method, when an app for payment processing exists in the user wireless terminal, the user wireless terminal becomes a master device and generates a BLE transmission signal and provides the payment service to the payment service providing device. A payment method using BLE communication in a user wireless terminal. The method of claim 16, wherein the second payment method comprises:
Comprising the step of generating a BLE transmission signal through BLE communication and transmitting it to the payment service providing device,
The BLE transmission signal includes payment-specific information related to payment corresponding to the device-specific information, a payment method using BLE communication in a user wireless terminal. 18. The method of claim 17,
The payment specific information includes a payment method information associated with the user corresponding to the device specific information, a payment method using BLE communication in the user wireless terminal. 17. The method of claim 16,
BLE communication in the user wireless terminal further comprising the step of receiving a BLE reception signal indicating whether the payment request generated based on the BLE transmission signal is normally processed from the payment service providing device through BLE communication in real time payment method used. The method of claim 16, wherein the first payment method comprises:
Generating a BLE transmission signal of the vehicle BLE module and providing a signal requesting payment according to the generated BLE transmission signal to the vehicle BLE module,
The BLE transmission signal includes payment-specific information related to payment corresponding to the device-specific information, a payment method using BLE communication in a user wireless terminal. 17. The method of claim 16,
The BLE transmission signal includes flag information indicating that it is related to payment,
The flag information is included in a header of a packet associated with the BLE transmission signal, a payment method using BLE communication in a user wireless terminal. In the user wireless terminal device for payment using BLE communication,
a communication unit configured to communicate with the user wireless terminal and the payment service providing apparatus;
It is electrically connected to the communication unit, receives a device-specific information request of the user wireless terminal from the vehicle BLE communication module, and in response to the request, transmits the device-specific information to the vehicle BLE communication module, the device-specific information Initiating a BLE communication-based payment procedure according to a device authentication result made based on information, and as the BLE communication-based payment procedure is initiated, a payment service is provided using the first payment method or the second payment method a processor for performing payment processing associated with the device; and
A memory electrically connected to the processor and storing instructions related to the operation of the processor,
In the first payment method, if an app for payment processing does not exist in the user wireless terminal, the vehicle BLE module becomes a master device and generates a BLE transmission signal and provides the payment service to the payment service providing device. the way it is done,
In the second payment method, when an app for payment processing exists in the user wireless terminal, the user wireless terminal becomes a master device and generates a BLE transmission signal and provides it to the payment service providing device. User wireless terminal device for payment using BLE communication.
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