KR20030055055A - System and Method for the relay service of settlement using Bluetooth device - Google Patents

Abstract

PURPOSE: A payment intermediation service system and a method for the same are provided to enable a user to register data on a personal bluetooth device and a payment method at a service provider, and to pay for a commodity or a service at a store by using the personal data and the bluetooth device data checked at an initial bluetooth communication step. CONSTITUTION: The system comprises a POS(Point Of Sales) server(2), a payment server(3), a main server(4), a communication network(5) and a bluetooth communication network(6). The main server(4) is installed at a payment intermediation service provider. The POS server(2), installed at a store, embeds a bluetooth device(2-1) and performs a payment function. The payment server(3), installed at a financial organization, approves a payment request and settles the payment. The main server(4) is connected to the POS server(2) and the payment server(3) over the communication network(5) like the internet. Personal bluetooth devices(1-1, 1-2) are connected to the bluetooth device(2-1) of the POS server(2) over the bluetooth communication network(6). Users register data on the payment method at the main server(4), then the main server(4) notifies the payment server, designated by the users, of the input payment method. The payment server(3) compares transmitted payment method with the registered payment method if it receives a payment approval request, approves the payment approval request according to the comparison result, and transmits the approval result to the main server(4).

Description

Payment relay service system and method using a Bluetooth device {System and Method for the relay service of settlement using Bluetooth device}

According to the present invention, an individual possessing a mobile communication device having a built-in Bluetooth device is sold in a store through a Bluetooth device and a personal authentication procedure using a Bluetooth communication method without using a separate payment means such as a credit card, an IC card, or a cash. The present invention relates to a payment relay service method for purchasing goods and services.

Referring to FIG. 1, an overview of a payment process using a conventional mobile communication device will be described.

When an individual with a mobile communication device such as PCS, CDMA, GSM, or IMT-2000 calls a payment relay service provider using his mobile device to purchase goods or services in a store, the payment relay service provider is a mobile carrier. Respond to the approval number via, the individual who receives the approval number can be provided with goods or services by presenting the approval number to the store or shopping mall. However, the conventional payment method using such a mobile communication device has the following problems.

1. Various mobile communication such as notebook, electronic notebook, PDA, etc. which can be used in mobile communication devices that have unique phone numbers, such as mobile communication devices such as PCS, CDMA, GSM, IMT-2000, etc. Payment cannot be made on the device.

2. The payment is made using the mobile phone number of the mobile communication device. However, since the phone number of the mobile communication device is already known information, there is a possibility that a third party may make a false payment by malicious operation by stealing the phone number. Therefore, there is a burden to apply to a large amount of payment.

3. When making a payment using a mobile communication device, a cumbersome procedure is required to present the payment confirmation number to the store by text or voice.

In addition, a method of making a payment using a Bluetooth communication and using an IC card, a credit card, etc. built in a mobile communication device can be considered, but such a method has the following problems.

1. It is inconvenient because a separate payment behavior must be performed in a mobile communication device with a built-in Bluetooth device in order to make payments according to product purchase and service use.

2. A mobile communication device with a built-in Bluetooth device can only use the IC card or credit card as a payment method to make a payment. Therefore, a mobile communication device with a built-in Bluetooth device such as a notebook, electronic notebook, PDA, etc. In the payment is not possible.

3. If a mobile communication device incorporating a Bluetooth device and a payment means is lost, there is a possibility that a third party acquiring the mobile communication device may perform a fraudulent payment by using a payment means built in the mobile communication device.

4. Stores should be equipped with a variety of payment methods embedded in individual mobile communication devices and POS or POS servers that can process payments. However, POS or POS servers in stores must have complex S / W to accommodate various payment methods. Or installation cost increases because H / W must be installed.

Accordingly, the present invention has been proposed to solve the above problems, Bluetooth communication without using a separate payment means without the individual having a Bluetooth device disclosed to the store, Bluetooth device information, personal information and payment method information Its purpose is to enable the purchase of goods and services in a manner that makes sense.

1 is a schematic diagram of a payment method using a conventional mobile communication device;

2 is a block diagram of an embodiment of a payment relay service system according to the present invention;

3 is a flowchart of an embodiment of a service method according to the present invention;

4 is a schematic diagram for performing Bluetooth device authentication of the present invention using the system of FIG.

5 is a schematic diagram for performing personal authentication of the present invention using the system of FIG. 3;

6 illustrates an embodiment of a method for requesting and processing a payment approval;

7 is an embodiment of a method of delivering and processing a payment approval result;

8 illustrates an embodiment of a method of simplifying a payment approval process.

* Explanation of symbols for the main parts of the drawings

1-1,1-2: Personal Bluetooth device

1-1-1,1-2-1: PC or personal information communication device with the same capability for individuals to access the Internet

2: POS server installed in the store and connected to a predetermined communication network including the Internet

2-1: Bluetooth device embedded or connected to the POS server of the store

3: payment server of financial institutions

4: main server of the payment relay service provider

5: predetermined network including the Internet

6: Bluetooth communication network

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Referring to FIG. 2, the main server 4 installed in the payment relay service company according to the present invention may be a PC or a similar device that can be used by an individual possessing a mobile communication device in which the Bluetooth devices 1-1 and 1-2 are embedded. Information and communication device (1-1-1,1-2-1) having a function, a POS server (2) for embedding a Bluetooth device (2-1) at a store in a store and performing a payment function, and payment approval from a financial institution And a payment server 3 that performs a payment settlement function and a predetermined communication network 5 including the Internet. Here, the predetermined communication network means a communication network such as a dedicated line, an X.25 packet communication network, a PSTN, or the like. In particular, the Bluetooth devices 1-1 and 1-2 possessed by the individual are connected to the Bluetooth device 2-1 of the POS server 2 installed in the store by the Bluetooth communication network 6.

Specifically, the store has a built-in Bluetooth device (2-1), connected to the main server (4) of the payment relay service company via a predetermined communication network (5), including the Internet, and processes the payment related operations of the store. POS server 2 that can be installed is installed in the company store.

Individuals possessing Bluetooth devices (1-1,1-2) must register as members in the main server (4) of a payment relay service company in order to make a payment in a Bluetooth communication method at a store. And the payment method information.

The payment method information is a financial institution designated by an individual, such as a credit card company, a mobile communication company, a bank or a branch agency, and information for charging the payment for the individual, for example, a bank. In the case of a credit card company, the account information consists of credit card information. When an individual enters information about a payment method, the main server 4 notifies the payment server 3 of the financial institution designated by the individual of the individual's payment method information, and the payment server 3 provides the payment entered by the individual. By checking the method information and its own information, it is possible to respond to the main server 4 again whether it is possible to pay for the individual.

When an individual joins as a member of a payment relay service provider, it is possible to conveniently purchase services and products through a Bluetooth communication method at a store contracted with a payment relay service provider.

Referring to Figure 3, the process of performing the payment relay service according to the present invention will be described in detail.

First, a payment relay service company installs a POS server 2 of a store, a payment server 3 of a financial institution, and a main server 4 connected to a predetermined communication network including an individual PC and the Internet (S01). 1st procedure)

The main server 4 has a function of checking the Bluetooth device authentication and personal authentication information of an individual received from the POS server 2, and the POS server 2 and the payment server in a series of procedures related to payment approval and confirmation. It is preferable to be comprised so that it can relay (3).

The store has a built-in or connected Bluetooth device 2-1 in its store, connected to the main server 4 through a predetermined communication network 5 including the Internet, and a POS server that performs payment management function of the store ( 2) to establish a contract with a payment relay service provider to use a Bluetooth communication payment relay service (S02: Second Procedure).

In order for a store to enter into a contract with a payment relay service provider, the store submits store information, including product and service information, and the payment relay service provider reviews the information submitted by the store to determine that it is an appropriate company to use the payment relay service. If a contract is signed, it is desirable to allow the store to use a payment relay service using a Bluetooth device at its store.

The individual possessing the Bluetooth devices 1-1 and 1-2 has a personal Bluetooth device 1-1, 1 to the main server 4 of the payment relay service company in order to use the payment relay service using the Bluetooth device in the store. 1-2) If information, personal information, payment method information, and the like are inputted, after the main server 4 undergoes a verification process through a predetermined procedure, the individual joins a member of a payment relay service company. (S03: 3rd procedure)

In this case, the Bluetooth device information may include information such as a Bluetooth device address, a Bluetooth device name, and a Bluetooth device PIN CODE.

Personal information includes personal information including name and social security number for real name and identity verification process in addition to username and password.In some cases, some of mobile device information or payment information may be used for real name and identity verification process. Is preferable.

The payment method information consists of information for billing the individual for the service charges generated by using various services using Bluetooth communication. Among the payment method information, a credit card company, a mobile communication company, a bank or a banking agency, etc. It is desirable to include institutional information and payment methods according to financial institutions. In addition, when an individual designates a financial institution, it may be possible to designate a plurality of financial institutions and register information for billing payment for each financial institution.

When an individual designates a financial institution and inputs a payment method accordingly, the main server 4 of the payment relay service provider transmits information related to a payment method to the payment server 3 of the financial institution, and the payment server 3 It is preferable to check the payment method information and the self information input by the individual to the main server (4) whether the payment is possible.

As described above, when a user who enters the information necessary for membership registration and is registered as a member, an ID and a password are formally assigned, and later log in to the main server 4 of the payment relay service company or purchase a product or service at a store. It can also be used as identity information.

In addition, when the biometric information of the individual is input during the registration process, when the user logs in to the main server 4 or attempts to use the payment relay service using the Bluetooth device in the store, the Bluetooth device (1-1 owned by the user) is owned. , 1-2) or by inputting biometric information through a separate device, it is possible to perform a more secure identity authentication procedure than the ID and password method.

The process of checking whether the individual who intends to use the service is a registered member of the payment relay service provider and whether the Bluetooth device possessed by the member matches the registered Bluetooth device when the member joins, even if the member who registers with the payment relay service provider is There may be several communication procedures, but one example is described in detail below.

For reference, the present invention is a method in which an individual possessing a Bluetooth device can make a payment using his or her authentication information and Bluetooth device information, but does not provide his or her authentication information, Bluetooth device information, and payment method information to a store. This feature is also characterized in that the method of payment by receiving the authentication information and Bluetooth device information of the above own authentication without using a separate payment means IC card, credit card, cash and the like. Therefore, there are various communication procedures within the method of making a payment by confirming the personal Bluetooth device information and the personal authentication information from the main server 4 without using a separate payment means built in the personal mobile communication device. Make sure you can.

First, when an individual possessing Bluetooth devices 1-1 and 1-2 presents a willingness to make a payment by Bluetooth communication method at a store that has a contract with a payment relay service provider, the POS server 2 is a personal Bluetooth device. Attempt to connect to (1-1, 1-2). In this case, since the POS server 2 does not have any information on the individual Bluetooth devices 1-1 and 1-2, the POS server 2 checks the main server 4 whether the member of the payment relay service company is a registered Bluetooth device. It connects to the Bluetooth devices 1-1 and 1-2 owned by the individual. (S04: Fourth Procedure)

A fourth procedure S04 will be described in more detail with reference to FIG. 4.

First, the Bluetooth device 2-1 built in or connected to the POS server 2 becomes the Bluetooth master device and changes from the ready mode to the inquiry mode to the individual Bluetooth device (1- 1) in the Piconet. Inquiring 1, 1-2, the Bluetooth master device 2-1 serves as a connection request device (Claimant). On the contrary, the Bluetooth device (1-1, 1-2) possessed by the individual becomes a Bluetooth slave device and acts as a verifier, and transmits its own Bluetooth device address (BD_ADDR) in response to the inquiry. In some cases, the Bluetooth device name may also be transmitted. The Bluetooth master device 2-1 transitions to the page mode using the BD_ADDR information received from the Bluetooth slave devices 1-1 and 1-2, and then continuously transmits the page packet. After receiving the page packet, the Bluetooth slave device (1-1,1-2) also moves to the preparation mode, and generates a link key by combining its own pin code and BD_ADDR using a challenge response method. In addition, after generating a random number (RAND), a cryptographic value (SRES) is obtained by assigning a link key, a random number (RAND), and BD_ADDR information to a specific function, and then converting the random number (RAND) to a Bluetooth master device ( 2-1).

At this time, when an individual presents a willingness to make a payment in a Bluetooth communication method to a store, the POS server 2 receives the random number RAND information received from the Bluetooth master device 2-1 and the Bluetooth slave device 1-1, 1. -2) BD_ADDR information is transmitted to the main server 4 of the payment relay service provider, and the main server is a Bluetooth device owned by a member whose Bluetooth slave device (1-1, 1-2) has subscribed to the payment relay service provider. It can be configured to check whether it is a device.

At this time, in the state where the BD_ADDR information of the member held by the main server 4 has been previously downloaded to the POS server 2, the POS server 2 only in the case of the member's Bluetooth devices 1-1 and 1-2. It is also possible to transmit the above-mentioned random number (RAND) information and Bluetooth slave device (1-1, 1-2) information to the main server (4).

Subsequently, the main server 4 generates the cipher value SRES by the method performed by the Bluetooth slave devices 1-1 and 1-2 using the received random number information and the BD_ADDR information. To the POS server 2 installed in the store. When the POS server 2 receives the encryption value (SRES) information and responds to the Bluetooth slave devices 1-1, 1-2, the Bluetooth slave devices 1-1, 1-2 are calculated by themselves. When the cipher value SRES is compared with the received cipher value SRES, the cipher value SRES is changed to the connected mode or the data transmission mode. In the connected mode or the data transmission mode, the Bluetooth device 2-1 of the POS server 2 and the personal Bluetooth devices 1-1, 1-2 can transmit and receive data with each other.

According to the Bluetooth communication connection procedure as described above, the POS server 2 is provided by the main server 4 even if it does not know PIN COOE information, which can be referred to as a password of the Bluetooth device 1-1, 1-2. Since the Bluetooth device authentication service can be used to connect to individual Bluetooth devices (1-1,1-2), the individual can authenticate his / her Bluetooth device even if the store does not disclose the PIN CODE information of the Bluetooth device. It is possible to perform a payment process while receiving and exchanging data with the POS server 2.

However, even if the Bluetooth communication connection procedure described above is confirmed that the Bluetooth device (1-1, 1-2) of a specific member subscribed to the payment relay service provider, whether or not the specific member is actually carrying the Bluetooth device? Not confirmed yet Therefore, a procedure for checking whether a specific member is carrying the corresponding Bluetooth devices 1-1 and 1-2 is required.

A fifth procedure S05 will be described in more detail with reference to FIG. 5.

The main server 4 receives the authentication information of the individual from the Bluetooth device possessed by the individual via the POS server 2, and then compares the authentication result of the individual with the POS server ( 2) Notify (S05: 5th procedure)

When the personal Bluetooth device 1-1, 1-2 and the Bluetooth device 2-1 of the POS server 2 are in a connection state capable of transmitting data, the POS server 2 receives the main server ( 4), the main server 4 transmits a screen for inputting personal authentication information to the Bluetooth device (1-1, 1-2) possessed by the individual via the POS server (2). do. The individual enters his / her authentication information through the authentication information input screen. There is a method of inputting an ID and password, and there may be a method of inputting only a password. There can be any way.

When a person inputs his own authentication information, the Bluetooth device 1-1, 1-2 of the person encrypts the personal authentication information and transmits it to the POS server 2, and the POS server 2 encrypts the encrypted personal authentication. The information is transmitted to the main server 4 as it is, and the main server 4 decrypts the encrypted authentication information to obtain the personal authentication information, and compares this information with the information of the members already held to perform the personal authentication procedure. It is desirable to perform.

The main server 4 confirms the personal authentication, notifies the POS server 2 of whether the authentication is successful, and the POS server 2 which has received the authentication failure message does not provide the individual with the payment using the Bluetooth device. The POS server 2 that has received the authentication success message is preferably able to perform the following procedure for payment.

When such a personal authentication process is performed, it is possible to know whether the individual possessing the Bluetooth devices 1-1 and 1-2 is a member of the main server 4 of the payment relay service provider. In connection with (S04), it is possible to accurately check whether an individual who has registered as a member of a payment relay service company has his or her Bluetooth device (1-1, 1-2).

A process from the sixth procedure S06 to the seventh procedure S07 will be described in more detail with reference to FIG. 6.

When the authentication process for the individual is completed, the POS server 2 notifies the main server 4 and the Bluetooth devices 1-1 and 1-2 of the individual to make payment request information to be paid by the individual. 6th procedure)

In some cases, the POS server 2 does not notify the payment request information to the individual Bluetooth devices 1-1 and 1-2, but instead transmits an input screen for inputting the payment request information. You can do as much as you can.

In addition, the POS server 2 may be configured to omit the process of notifying the main server 4 of the payment request information.

On the other hand, the payment amount of the payment request information that the POS server 2 notifies the main server 4 or the personal Bluetooth device (1-1, 1-2) may be a fixed amount, but may be a maximum payment amount. . For example, in the case where the individual uses the content service provided by the store, the individual uses the content service provided by the store within the maximum payment amount limit, and the POS server 2 provides the individual for a certain period of time. There may be a method of aggregating charges according to the degree of using the content service, and notifying the main server 4 of the calculated charges by a separate procedure.

If the individual checks the payment information displayed on his / her Bluetooth device (1-1, 1-2) and there is no abnormality, a payment approval request is made, and the POS server (2) receives the full payment approval request and receives the main server (4). (S07: 7th procedure)

If an individual checks the payment information printed on his / her Bluetooth device (1-1,1-1), if there is no problem, the payment approval request is made, and if there is a problem, the store can be configured to request correction of the payment information. More preferred.

In particular, when the individual registers a plurality of financial institutions in the main server 4 of the payment service company in the third step (S03), payment approval including designation of specific financial institutions and payment request information such as installment purchase or not You can also make requests.

If the POS server 2 transmits the payment information input screen to the personal Bluetooth devices 1-1 and 1-2 in the sixth procedure S06, the individual may use his or her Bluetooth device 1- 1. In the payment information input screen displayed in 1,1-2, it is preferable to input payment information including the payment amount and to make a payment approval request.

The main server 4 which has received the full payment approval request message from the POS server 2 transmits the full text of the payment approval request to the payment server 3 of the financial institution. (S08: 8th procedure)

The main server 4 compares the full payment approval request received through the POS server 2 with the payment request information received from the POS server in the sixth step S06, and if the contents match, the payment server of the financial institution. (3) request the payment approval, if the content does not match the full text of the payment decline response, including the information to the POS server (2) or the individual Bluetooth device (1-1, 1-2) to perform the payment approval request process again It is desirable to inform them.

In addition, when the main server 4 receives the normal payment approval request text, the financial institution designated as the own payment institution when the individual joins the main server 4 as a member in the third step (S03) described above. It is advisable to send the full payment authorization request.

The payment server 3 of the financial institution reviews the full text of the payment approval request received from the main server 4 and notifies the main server 4 of the full text of the payment approval response if there is no error, and the full text of the payment rejection response if there is a problem. (S09: 9th procedure)

At this time, the payment server (3) of the financial institution to review the full payment approval request includes information such as the payment amount, the individual who applied for payment, and when responding to the full text of the declined payment response, attach the reason for refusal It is preferable.

A process from the tenth procedure S10 to the twelfth procedure S12 will be described in more detail with reference to FIG. 7.

The main server 4 notifies the personal Bluetooth device 1-1, 1-2 and the POS server 2 of the payment approval information received from the payment server 3 (S10: 10th procedure).

At this time, in order to maintain the security of payment approval information received by the individual Bluetooth devices 1-1 and 1-2 and to make the payment procedure more accurate, the main server 4 may not recognize the payment approval information from the POS server. It may be configured in such a manner that only the individual Bluetooth devices 1-1 and 1-2 can be recognized and notified to the POS server.

The individual transmits the payment approval information outputted on his or her Bluetooth devices 1-1 and 1-2 to the POS server 2 or presents it to an employee of the store. (S11: 11th procedure)

In this case, since the payment approval information includes information such as a payment approval number, the individual must present the payment approval number printed on his or her Bluetooth device (1-1,1-2) accurately to the staff of the store. In order to reduce the error caused by the individual, it may be desirable to transmit the payment approval information including the payment approval number output to the Bluetooth devices 1-1 and 1-2 of the individual to the POS server 2 after the individual has confirmed. However, according to the sales form of the store, the procedure of presenting or transmitting the payment approval information to the store may be conveniently configured by the store.

The POS server 2 checks the payment approval information presented by the individual and transmits the full payment confirmation request message to the main server 4 when there is no abnormality in comparison with the payment approval information received by the individual. (S12: 12th procedure) )

In the tenth procedure, when the main server 4 transmits the payment approval information only to the individual Bluetooth devices 1-1 and 1-2, the POS server 2 provides the payment approval information presented by the individual. It is preferable to configure the full payment confirmation request based on the notification to the main server (4).

The main server 4 verifies the full payment confirmation request message received from the POS server 2, notifies the POS server 2 of the full payment confirmation response message, and transmits the same contents to the payment server 3 (S13). 13th procedure)

At this time, the method for verifying the full text of the payment confirmation request is compared with the full text of the payment approval transmitted by the main server 4 to the Bluetooth devices 1-1 and 1-2 of the individual in the tenth step (S10). If the contents match, it is preferable to include information indicating that the payment has been successfully completed in the full payment confirmation response message, and if the contents do not match, include the content of requesting to repeat the payment approval request processing in the full payment confirmation response message.

In addition, in order for the payment server 3 to collect payment performance information for which payment has been normally completed, the payment server 3 may transmit the full payment confirmation response transmitted to the web server 2 to the payment server 3. desirable.

On the other hand, when an individual wants to receive his or her payment information by Internet mail or the like, it is also possible to configure the main server 4 to notify the individual's payment details by Internet mail or the like.

The POS server 2 receiving the full payment confirmation response message from the main server 4 checks the full payment confirmation response message received from the main server 4, and if the payment is completed normally, presents or notifies the individual that the payment has been completed normally. While providing goods and services (S14: Procedure 14).

At this time, the POS server 2 receiving the payment confirmation response message presents the contents to the individual or transmits the contents to the individual's Bluetooth devices 1-1 and 1-2 so that the individual directly confirms the payment result. The invention can be carried out more preferably.

On the other hand, in the process from the eleventh process (S11) to the fourteenth process (S14), even if the procedure for presenting or transmitting payment approval information to the store or POS server (2) is omitted, the payment may be configured to be completed. have.

This configuration method will be described in detail with reference to FIG. 8.

When the POS server 2 receives the full payment approval response message from the main server 4, the POS server 2 provides the goods and services to the individual based on the payment approval, and transmits the full payment confirmation request message to the main server 4. Notifying that the service sales procedure is completed, the main server 4 confirms the full payment confirmation request received from the POS server 2 and notifies the POS server 2 of the full payment confirmation response, and informs the payment server ( 3) It is also possible to configure to transmit to

After the payment server 3 receives the payment confirmation message from the main server 4, the payment server 3 collects the payment confirmation message that has been normally paid for a predetermined period of time to settle the payment funds. After the exclusion, payment is paid to the payment relay service provider and the remaining amount is paid to the store, and on the other hand, the payment fee is collected to the individual (S15: Procedure 15).

For example, if the financial institution is a bank, the payment server 3 collects the purchase cost from the individual's payment account 3-1, but excludes the banking fee. -3), the payment service fee will be paid to the store's payment account (3-2).

In some cases, the payment server 3 pays the remaining amount excluding its own fee to the payment relay service provider, and the payment relay service company pays the remaining amount excluding its own payment relay service fee to the store. It is also possible to configure to.

Until now, the payment relay service using a Bluetooth device has been performed through a procedure in which an individual Bluetooth device (1-1, 1-2) and a Bluetooth device (2-1) of a POS server (2) connect to each other and exchange information. In addition, the method of performing the role of the POS server 2 in the CD / ATM is also possible. In this case, the CD / ATM also has a function of connecting with a Bluetooth device 1-1 and 1-2 of an individual and transmitting and receiving information while also having a built-in or connected Bluetooth device. If the CD / ATM plays the role of the POS server 2, the financial institution or branch of the financial institution acts as a store. Therefore, when the CD / ATM performs the role of the POS server 2 in the processes from the first procedure S01 to the fifteenth procedure S15, the fourteenth procedure S14 is performed by the CD / ATM. It is preferable to check the full payment confirmation response received from the server 4, and if the payment is normally completed, it is preferable to configure the procedure to pay cash, charge a prepaid IC card, or perform a bank transfer.

According to the present invention, an individual possessing a mobile communication device having a built-in Bluetooth device can display information related to mobile communication device information and payment method, including PIN CODE information of his or her Bluetooth device, without having to present or disclose to a store. By paying with your Bluetooth device, you can purchase goods or services from the store, and withdraw cash from CD / ATM. Therefore, an individual possessing a Bluetooth device can conveniently pay without using a separate payment means such as IC card, credit card and cash.

Stores that have a contract with a payment relay service provider can access a Bluetooth device owned by a member of the payment relay service provider even if there is no payment method information for the individual who owns the Bluetooth device. Can increase sales. In addition, as a payment relay service using a Bluetooth device is automated, since there is no burden of separately managing payment receipts or payment statements used in other payment methods, productivity is improved, and in some cases, an unmanned store Also useful in.

Since the payment method using the Bluetooth device can be settled for a small amount or a large amount due to a secure payment procedure, the value of use can be increased as a payment method for individuals and stores.

Claims (9)

POS server that is located in a store and has a built-in Bluetooth device and is connected to a predetermined communication network including the Internet, and performs a payment function using a Bluetooth communication method, a mobile communication device with a built-in Bluetooth device, and an individual possessing the mobile communication device. And a PC connected to a predetermined communication network including the Internet, and / or an information and communication device performing the same function, located at a financial institution, and performing a function of approving a payment, and connected to a predetermined communication network including the Internet. In the payment relay service system including a server, Located in a payment relay service company, connected to a predetermined communication network including the Internet, the individual who has a Bluetooth device as a member, additionally includes a main server that provides a Bluetooth device and identity verification service, and provides a payment relay service; , After the individual possessing the Bluetooth device joins the main server of the payment relay service company as a member, the goods and services are purchased at a store contracted with the payment relay service company, and the purchase payment is a Bluetooth device provided by the main server. And through a personal authentication service and a payment approval service via a payment server, so that an individual with a Bluetooth device can use his or her Bluetooth device without using a separate payment method such as a credit card, IC card, or cash. Payment relay service system using a Bluetooth device, characterized in that the payment. The method of claim 1, The role of the main server installed in the payment relay service provider is a payment relay service system using a Bluetooth device, characterized in that configured to perform in the payment server installed in the financial institution. The method of claim 1, The role of the main server installed in the payment relay service provider is a payment relay service system using a Bluetooth device, characterized in that configured to perform in the POS server installed in the shop. The method according to claim 1 or 2, The payment relay service system using a Bluetooth device, characterized in that configured to perform the role of the POS server installed in the store in the CD / ATM installed in the branch of the financial institution. A first procedure in which a payment relay service company installs a POS server of a store, a payment server of a financial institution, and a main server connected to a predetermined communication network including a personal PC and the Internet to provide a payment relay service; In the first procedure, a main server installed in a payment relay service company is connected to a predetermined communication network including the Internet, and a POS server having a Bluetooth device and performing a payment management function of a store is contracted with a payment relay service company. The second process, which the store installs in its store, A third procedure in which a person having a mobile communication device with a built-in Bluetooth device enters the Bluetooth device information, the personal information and the payment method information in the main server installed in the payment relay service company in the first procedure, and registers as a member; In the third procedure, the individual who is registered as a member of the payment relay service company connects to the POS server using the authentication service of the main server for the Bluetooth device in order to use the payment relay service using the Bluetooth device in the store. step, A fifth procedure in which the main server, which has received personal authentication information from the Bluetooth device of the individual who has connected to the POS server in the fourth procedure, notifies the POS server of the authentication result of the individual, A sixth procedure in which the POS server notifies the main server and the Bluetooth device of the individual of payment request information to be paid by the individual when the authentication process for the individual is completed in the fifth procedure; A seventh step of requesting a payment approval request to the main server via the POS server if the individual who has confirmed the payment information displayed on the Bluetooth device in the sixth step is correct; An eighth procedure of the main server receiving the full text of the payment approval request in step 7 transmitting the full text of the payment approval request to the payment server of the financial institution; A ninth procedure in which the payment server, which has received the full payment approval request in step 8, reviews the payment details and notifies the main server of the full payment approval response including the payment approval information; A tenth step of the main server receiving the payment approval response message in the ninth step notifying the POS server and the Bluetooth device of the individual of the payment approval response message; An eleventh procedure of transmitting or presenting payment approval information to a POS server by an individual who has confirmed payment approval information output to the Bluetooth device in the tenth procedure; A twelfth step of transmitting the full payment confirmation request message to the main server when the POS server which has confirmed the payment approval information presented or transmitted by the individual in step 11 compares with the payment approval information received from the main server, In step 12, the main server receiving the full payment confirmation request message verifies the full text to notify the POS server of the full text of the payment confirmation response, and transmits the same to the payment server of the financial institution. In the thirteenth procedure, the POS server receiving the full payment confirmation response message indicating that the payment process is completed, the 14th procedure of delivering or presenting the payment to the individual and providing the goods and services; In step 13, the payment server receiving the payment confirmation message collects the payment confirmation message that has been normally paid for a predetermined period of time to settle the payment money to the payment relay service provider and the store and charge the purchase cost to the individual. Payment relay service method using a Bluetooth device comprising a. The method of claim 5, When the POS server in the sixth procedure notifies the main server of the payment request information to be paid by the individual and transmits a screen for inputting the payment request information to the Bluetooth device of the individual, The seventh procedure may be configured to request payment approval from the main server via the POS server after inputting payment request information including a payment amount directly on the screen where the individual inputs the payment request information. Payment relay service method using a device. The method according to claim 5 or 6, In the case where the main server in the tenth step notifies the entire payment approval response message only to the individual Bluetooth device, The twelfth procedure is a payment relay service method using a Bluetooth device, characterized in that configured to transmit to the main server the full payment confirmation request written on the basis of the payment approval information received by the POS server. The method according to claim 5 or 6, When the eleventh procedure is changed to a procedure for confirming the full payment approval response received from the main server and providing goods and services to an individual, The twelfth procedure is configured such that the POS server transmits a full payment confirmation request message to the main server. The 14th procedure is a payment relay service method using a Bluetooth device, characterized in that for configuring the POS server to receive the full payment confirmation response to confirm that the payment is completed. The method according to claim 5 or 6 or 7, If the CD / ATM plays the role of a POS server and the financial institution that manages the CD / ATM acts as a store, The fourteenth step is to configure the CD / ATM to notify the Bluetooth device of the individual that the payment is completed or to present it in the specification table, and provide the payment amount in cash, charge the prepaid IC card or transfer the account. Payment relay service method using a Bluetooth device characterized in that.