KR20050048992A - Settlement system and method of bluetooth - Google Patents

Abstract

The present invention relates to a payment system and method using Bluetooth, and more particularly to a payment system and method using Bluetooth for easily performing a credit payment for goods purchased by a user through a Bluetooth embedded payment server. . In one embodiment of the present invention, the purchase article information is read, and the read purchase statement is transmitted to the cellular phone with Bluetooth. At this time, the Bluetooth data communication is performed between the cellular phone and the payment server with a built-in Bluetooth using an object exchange profile. When the buyer checks the purchase list through the mobile phone and makes a payment request, the payment server transmits the corresponding payment request file along with user authentication information to the credit settlement system. After confirming the user authentication information, the credit settlement system approves the payment. Approved payment information is delivered to the mobile phone through the payment server, the buyer confirms the purchase list and payment approval through the mobile phone. The present invention operating as described above enables the mobile phone payment using Bluetooth, and also do not pay a separate communication fee because the buyer and seller do not access the mobile communication server to check the user authentication and payment approval in the mobile phone payment This reduces the burden of communication costs.

Description

Payment system and method using Bluetooth {Settlement system and method of bluetooth}

The present invention relates to a payment system and method using Bluetooth, and more particularly to a payment system and method using Bluetooth that the user performs credit payment through a Bluetooth embedded payment server.

In the case of a credit transaction using a general credit card, a credit card payment is made at a merchant such as a large store or a gas station where transactions are mainly carried out by directly holding a credit card. In the case of such a credit transaction, illegal use or damages frequently occur, and the credit transaction needs to be improved.

As a result, studies are being actively conducted on the use of mobile phones, which are personal necessities, as a means of payment such as cash and credit cards.

For example, when a credit payment is made by a mobile phone payment method using a CDMA wireless communication network, a separate communication fee is charged by accessing a mobile communication company each time a credit payment is made. There are many problems of quality itself, so there is a problem in popularization.

As a conventional technology, "Payment system and method using a mobile phone" of Republic of Korea Patent No. 10-2001-75157, when a buyer wants a payment service using a mobile phone, the seller transmits the mobile phone number and payment fee of the buyer to the mobile communication server. And, the mobile communication server performs the payment confirmation for the payment fee from the buyer, the seller is provided with the payment fee through the mobile communication server, the buyer pays the payment fee together with the mobile communication fee payment system using a mobile phone And method.

As a result, according to the method as described above, a buyer can be provided with a service using a mobile phone or purchase a product conveniently without having a wallet. However, the prior art had a problem in that both the buyer and the seller had to have an infrastructure for using the mobile communication network, and the buyer had to bear the burden of the communication fee generated at the time of payment.

On the other hand, the mobile phone payment means such as Moneta, Caymus, etc. currently being used is a method of embedding the infrared sensor in the mobile phone, and detects the signal output through the infrared sensor to perform the payment. Since this method is limited in the detection distance and angle of the infrared sensor, in order to detect the output signal of the infrared sensor embedded in the mobile phone, the mobile phone must be accurately positioned in the infrared detection unit.

Accordingly, an object of the present invention is to provide a payment system and method using Bluetooth having a wide directionality without incurring a separate charge.

In order to achieve the above object, a payment system using Bluetooth according to the present invention includes: a Bluetooth transceiver for transmitting and receiving data with a Bluetooth embedded mobile phone; A purchase article reading unit for reading the purchase article; A commodity price information database storing and commodifying commodity price information on the commodity; A merchandise processing unit for obtaining a specification of an article read from the purchase article reading unit; A protocol processing unit for controlling the specification of the purchased goods delivered from the product processing unit to be transmitted to the Bluetooth embedded mobile phone as a Bluetooth object transmission profile; A credit authentication and payment processing unit for requesting a credit settlement system for the purchaser's credit and payment processing; It includes a PSTN / WAN transceiver for sending and receiving data on payment processing to the credit settlement system.

And in the payment system using Bluetooth according to the present invention, the Bluetooth-embedded mobile phone, Bluetooth transmission and reception terminal for transmitting and receiving protocol for Bluetooth data communication; A protocol processing unit for managing user authentication data by connecting a corresponding mobile phone for performing Bluetooth communication; When the user authentication is completed, and comprises a goods payment manager for controlling the user to select whether or not to pay the purchase specification.

Protocol processing unit in the mobile phone in the payment system using Bluetooth according to the present invention, the device search / connection processing unit for searching for the payment server, and connects the mobile phone; And a user authentication manager for managing user authentication data.

In order to achieve the above object, a payment method using Bluetooth according to the present invention includes: a first step of reading goods information of a buyer and creating a purchase specification using product price information; A second step of transmitting the purchase statement created in the first step to the Bluetooth embedded mobile phone; A third step of checking a purchase statement delivered to the Bluetooth-embedded cellular phone and selecting user authentication and payment of goods; A fourth step of transmitting the purchaser information including the goods payment information and the user authentication information selected in the third step to the payment server; The payment server accesses the credit system and transmits the buyer information; A sixth step of confirming authentication of the buyer information in the credit system and determining whether the payment is approved; A seventh step of transmitting the payment information approved in the sixth step to a Bluetooth embedded mobile phone through a payment server; And an eighth step of confirming the authorized payment information through the Bluetooth embedded mobile phone.

In the payment method using Bluetooth according to the present invention, the purchase specification of the first to third steps is characterized by consisting of a merchant name, a Bluetooth payment server authentication number, a purchase item list and a price.

In addition, in the payment method using Bluetooth according to the present invention, the purchaser information of the fourth to sixth step is characterized in that the name, resident registration number, authentication number, mobile phone number, payment authentication password, credit settlement processing code and the like. .

In the payment method using Bluetooth according to the present invention, the payment information of the seventh to eighth steps, the payment server authentication number, the merchant representative name, merchant business registration number, transaction item list and price and transaction code, etc. It is characterized by.

In the payment method using Bluetooth according to the present invention, data communication between a Bluetooth built-in mobile phone and a Bluetooth payment server is performed using an object exchange profile.

In the present invention, the mobile phone can replace the role of the credit card or cash card by transmitting the payment information of the credit card or cash card to the mobile phone using Bluetooth, and the additional cost does not occur when the technology is implemented and payment is made. Service method and system for the implementation of payment means that do not.

The payment service method using Bluetooth, which is short-range wireless communication, is as follows. The user first checks the transaction history input via Bluetooth on the mobile phone and then pays the credit. In this way, the damage caused by unauthorized illegal use of credit cards can be greatly reduced, and the user end makes payments using Bluetooth, which does not cost, thereby reducing the burden on communication costs each time.

Hereinafter, the payment system and method using Bluetooth according to the present invention will be described in detail.

1 is an embodiment of a payment system using Bluetooth according to the present invention, Figures 2a, 2b, 2c is payment data information used in a wireless mobile phone payment system using Bluetooth according to the present invention.

As shown in FIG. 1, the wireless mobile phone payment system is a purchaser's mobile device, and prepares a specification for a purchase item and a Bluetooth built-in mobile phone 100, which is a personal payment means for receiving purchase information and determining whether or not to make a credit payment thereto. And it consists of a Bluetooth payment server 200 for the actual work of credit settlement, and a credit settlement system 300 that determines the credit approval based on the user authentication information and payment information and is responsible for the actual credit approval.

The Bluetooth-embedded cellular phone 100 includes a Bluetooth transceiver 150 for transmitting and receiving wireless data using Bluetooth, and searches for a payment / purchasing server device in the vicinity and manages a wireless data communication link. And a goods payment processing manager 140 that checks the purchaser authentication and purchase status based on the transaction history in which the user purchased the goods, and processes payment information.

The protocol processing unit 110 is divided into a device search / connection processing unit 120 and a user authentication management manager (130). The device search / connection processing unit 120 searches for the payment server device of the purchaser and attempts to connect the data transmitted to the Bluetooth transceiver 150. And the user authentication management manager 130 is a function that is configured to determine whether the user using the mobile phone, it is configured in such a way to input a unique number, such as authentication number input, social security number.

The Bluetooth payment server 200, a Bluetooth transceiver for transmitting and receiving wireless data using Bluetooth 210, the purchase article reading unit 250, and the product price information database that the price of the product list priced 270, a product processing unit 260 for retrieving price information of a purchased item, and using the same, a purchase processing table for a purchaser, and a protocol for searching for a payment / purchasing mobile device nearby and managing a wireless data communication link; It comprises a processing unit 220 and a credit authentication and payment processing unit 240 responsible for transmitting and processing credit authentication and authorization information with the credit settlement system through the PSTN / WAN connection based on the obtained information.

And the credit settlement system 300 is composed of a credit card company 310, the credit card company is provided with a credit authentication server 320.

Hereinafter, the control process of the system will be described.

When a purchaser purchases an item, the purchase item information is input to the purchase item reading unit 250 configured in the Bluetooth payment server 200 together with the mobile phone number. The purchase article reading unit 250 reads the purchase article list of the purchaser, acquires a list of items purchased by the user, and the corresponding list item information is transmitted to the product processing unit 260. The commodity processing unit 260 calculates price information on the commodity list transmitted from the commodity price information database 270, and prepares a specification to be transmitted to the buyer.

The written specification is transmitted to the protocol processor 220. The protocol processor 220 uses the Bluetooth transceiver 210 of the Bluetooth payment server 200 as a physical layer, and attempts to transmit a purchase statement to the Bluetooth transceiver 150 of the Bluetooth embedded mobile phone 100. . The data transmitted to the Bluetooth transceiver 150 of the Bluetooth-embedded cellular phone 100 is transmitted to the device search / connection processor 110.

As such, when the preparation for the transmission of the specification data from the Bluetooth payment server 200 to the Bluetooth embedded mobile phone 100 is completed, the purchaser's specification is transmitted to the purchaser's mobile phone using an object exchange profile, which is a Bluetooth application profile.

The purchase item information and the price list transmitted through the Bluetooth communication are transmitted to the protocol processor 110 via the Bluetooth transceiver 150, and the transmitted data is normally processed by the object transmission protocol. The normal processed data is converted into the information format shown in FIG. 2A and transmitted to the goods payment processing manager 140.

Figure 2a is the basic information data of the purchase statement that the Bluetooth payment server 200 is sent to the buyer, the purchase statement is the name of the merchant and the authorization number of the Bluetooth payment server 200 to act for credit approval, purchase items And a price list.

The goods payment processing manager 140 that receives the specification performs the purchaser confirmation and authentication through user authentication management. The detailed information is transmitted to a display unit (not shown) of the mobile phone 100. As a result, the purchaser can check the purchased specification list through the display unit of the mobile phone 100. And enter the purchase or not.

When a buyer wants to purchase an item, when the user inputs an item purchase through the mobile phone 100, the purchase input signal is transmitted from the Bluetooth transceiver 150 of the Bluetooth embedded mobile phone 100 to the Bluetooth transceiver of the Bluetooth payment server 200 ( 210).

When the user requests a credit payment in this manner, the purchaser information and payment information as shown in FIGS. 2B and 2C are transmitted to the credit authentication and payment processing unit 240.

FIG. 2B is basic information of a payment request transmitted to a Bluetooth payment server 200 when a buyer recognizes the information of FIG. 2A and requests a purchase of an item. The basic information of the payment request is composed of the buyer's name, social security number, buyer's authentication number, mobile phone number, payment authentication password, and credit payment processing code, which is credit number information to request credit approval.

2C is additionally transmitted when requesting credit approval based on the received buyer information. When the credit approval request is requested, the information of FIGS. 2B and 2C is transmitted to the credit settlement system 300. The additional information shown in FIG. 2C includes the authentication number of the Bluetooth payment server 200, the representative information of the affiliated store, the purchase item list and the processing code, and the credit settlement system 200 performs the credit approval process using the above information. .

Therefore, as requested by the payment, the credit authentication and payment processing unit 240 transmits the payment request information to the credit settlement system 300 using the PSTN / WAN transmitter / receiver 230. The credit card company 310 using the credit settlement system 300 determines whether the payment request information received through the credit authentication server 320 is correct. When the settlement is confirmed as a result of the determination, the approval result is transmitted to the Bluetooth payment server 200 through the PSTN / WAN transceiver 230. The Bluetooth payment server 200 transmits the approval result to the purchaser mobile phone 100 through the Bluetooth communication link, and the wireless mobile phone payment service using Bluetooth is completed.

3 is an operation control flowchart showing a payment process using Bluetooth according to the present invention.

First, the purchase article information is recognized through the purchase article reading unit 250 (step 100). The recognized purchase item information is transmitted to the product processing unit 260 (step 110). The commodity processing unit 260 acquires price information on the purchased product through the commodity price information database 270, and prepares a statement to be transmitted to the buyer using the same (step 120). At this time, the embodiment of the specification to be prepared is generated and shown in the format shown in Figure 2a.

The specification created in step 120 is transmitted to the Bluetooth transceiver 150 of the Bluetooth embedded mobile phone 100 through the transceiver 210 of the Bluetooth payment server 200. The specification is transmitted to the protocol processor 110 (step 130).

The protocol processing unit 100 performs the basic work for transmitting the specification to the purchaser mobile phone (100). First, the protocol processor 100 determines whether the payment server device of the purchaser exists within 100 meters of the Bluetooth communication radius by using the Bluetooth transceiver 150 (step 140). If the purchaser is not within the communication radius or the use of the payment server is not available, the transaction processing using the mobile phone is canceled and the series of service processors are terminated.

However, if the Bluetooth communication with the purchaser is possible, communication is established between the purchaser's mobile phone and the Bluetooth payment server (step 150). The communication method proceeds through an object exchange profile standard, which is one of standard standards for Bluetooth applications. That is, the Bluetooth payment server 200 is responsible for transmitting the purchase statement to the mobile phone as an object exchange client. And the purchaser mobile phone 100 is responsible for the function of receiving a purchase statement as an object server.

Therefore, the statement data transmitted to the protocol processing unit 110 of the mobile phone is transmitted to the goods payment processing manager 140, and performs a user authentication processor before displaying on the display unit of the user mobile phone (100). An example of a user authentication processor is a separate authentication operation such as inputting an authentication password.

If the user is not authenticated as the mobile phone transaction user in step 160, the transaction processing processor is stopped. However, if the user is normally authenticated as a mobile phone transaction user in step 160, the goods payment processing manager 140 outputs the transaction statement to the display unit (not shown) of the user mobile phone 100. As a result, the user who purchased the item checks the item list and inputs a payment status (step 180).

If the payment approval is rejected with respect to the payment request selected in step 180, the process may include checking whether the user has changed the transaction item (step 190). If the user requests to change the transaction item in step 190, the transaction statement is rewritten based on the user's input (step 200). However, when the user does not request to change the transaction item in step 190, the user assumes that he / she is not willing to purchase a transaction and terminates the transaction processing service so far and is initialized.

On the other hand, when the payment is approved for the payment request in step 180 or the user payment is approved through the 190 to 200, the transaction request information, such as the purchase statement and payment request of Figures 2a and 2b is the Bluetooth embedded mobile phone (100) Is transmitted to the Bluetooth transceiver 210 of the Bluetooth payment server (step 210). The transaction request information received by the Bluetooth transceiver 210 is transmitted to the credit authentication and payment processor 240 through the protocol processor 220 (step 220).

The credit authentication and payment processing unit 240 converts the credit approval request data format into a database as shown in FIGS. 2B and 2C. Then, the PSTAN / WAN transceiver 230 is transmitted to the credit card company 310 through the communication path of the credit settlement system 300 (step 230) (step 240).

The credit card company 310 of the credit settlement system 300 determines the purchaser authentication and transaction approval based on the authorization request data and the credit authentication server 320 (operation 250). The determined result is transmitted to the Bluetooth payment server 200. The transmitted result is transmitted to the protocol processing unit 220 through the credit authentication and payment processing unit 240, and again transmits data from the protocol processing unit 220 to the Bluetooth transmission and reception terminal 150 built in the mobile phone (100) 260 steps).

As a result, the transmitted approval data is displayed on the display unit of the mobile phone 100, so that the purchaser confirms the purchase details and ends the wireless mobile phone payment service.

4 is an operation flowchart illustrating a data processing process of a protocol processing unit provided in a Bluetooth payment server according to the present invention.

When the payment request is made to the mobile phone 100, a wireless connection is established between the mobile phone 100 and the payment server 200, and the process of transmitting data from the payment server 200 to the mobile phone 100 proceeds as follows. do.

Initially, the Bluetooth transmission interface is initialized (step 10). "Bluetooth transmission interface initialization" refers to a process of recognizing a transmission interface between the Bluetooth payment server 200 and the Bluetooth module and initializing an interface for transmitting data to the module. In general, the Bluetooth module has an interface in the form of serial or USB, and initializes an interface for opening and communicating the interface.

In step 20, "Bluetooth wireless module initialization" is performed. That is, restart the Bluetooth module (reset), and then read the default value of the module's Bluetooth address, Bluetooth module version, and the like. After that, set parameter values for data communication such as the size of the communication buffer and the number of communication links to be connected.

In order to make a Bluetooth payment, an implementation of the "object exchange" profile, which is one of the Bluetooth profiles, must be implemented, and the related setting is performed in this process ("service setting"). First, set the rule of the Bluetooth payment server to "Master", and register the "object exchange" service. Next, an object exchange mode is set, and a mode in which data can be exchanged is set (step 30).

When the process of the thirtieth step to the thirtieth step is completed as described above, the Bluetooth payment server 200 continues to stand by until the payment request. In addition, when the payment request is input, the Bluetooth payment server 200 receives the mobile phone payment request, and transfers to "wireless data link setting" (step 40).

In the "wireless data link setting", the Bluetooth address of the mobile phone 100 connected to the payment server 200 is obtained, and a Bluetooth wireless data link (ACL: Asynchronous Connectionless) is set as the corresponding address (step 50).

In order for the payment server to make a credit payment by a signal input from the cellular phone, the "object exchange" profile should be implemented in the cellular phone 200 that has requested the credit payment. In order to check this, the service of the mobile phone is searched using the service discovery protocol (SDP) and it is checked whether there is an "object exchange" service (step 60).

As a result of the "object exchange" service search result, if the service search is successful, the process proceeds to the next step, if the service search fails, the credit connection with the mobile phone is impossible, so the Bluetooth wireless connection ends.

In step 60, the connection of the object exchange profile for credit settlement is performed as a result of the successful service search. At this time, the Bluetooth payment server 200 is set to the "object exchange client", the mobile phone 100 is set to the "object exchange server" (step 70).

When the service connection is completed, the Bluetooth payment server 200 transmits the purchase statement to the mobile phone 100, and transmits the credit approval obtained through a series of other processes to the mobile phone 100 (step 80).

After the Bluetooth wireless connection is terminated, the mobile device returns to the standby mode to support the service of another mobile phone.

As described above, in the present invention, the purchase statement information on the purchase product is transmitted to the mobile phone of the purchaser using Bluetooth communication, and the user determines whether to pay for the purchase statement information. If you want to pay the purchase price, the credit payment information is sent to the server via the Bluetooth transceiver. This series of processes is carried out via Bluetooth communication, the server receiving the credit payment information is connected to an external credit card company payment system through the PSATN / WAN Transmitter and Receiver, and requests a credit approval. When the credit approval is requested from the credit card company payment system, the user confirms whether the credit approval is sent back to the buyer's mobile phone.

Although the Bluetooth payment server used in the present invention has described the function of credit payment by transmitting an object profile as an embodiment, in addition, data communication such as mail data and signature data between a personal digital assistant (PDA) and a personal computer (PC) It can be used as a function to perform a file transfer and a file transfer function such as FTP.

The rights of the present invention are not limited to the embodiments described above, but are defined by the claims, and those skilled in the art can make various modifications and adaptations within the scope of the claims. It is self-evident.

Therefore, the following effects can be expected due to the payment system and method using Bluetooth according to the present invention.

Buyers can easily purchase credit using their cell phone without having to have cash or a credit card.

In the related art, both the purchaser and the seller have an infrastructure using a mobile communication network and require a connection of a mobile communication server (MagicN, Nate, etc.) when requesting payment. However, the present invention uses a mobile phone using Bluetooth. No longer requires the server of the carrier. Therefore, the user can relieve the burden of paying a separate communication fee incurred during mobile payment.

In addition, the payment system using Bluetooth according to the present invention has a greater compatibility with the direction than the conventional infrared method, so if the distance between the mobile phone using Bluetooth and the payment processing device (payment server) is within 100 meters, without any restriction. You can carry out the transaction.

1 is an embodiment of a payment system using Bluetooth according to the present invention.

Figure 2a, 2b, 2c is a structure of payment data information used in the wireless mobile phone payment system using Bluetooth according to the present invention.

3 is an operation control flow diagram illustrating a payment process using Bluetooth according to the present invention.

Figure 4 is a flow chart showing the data processing of the protocol processing unit provided in the Bluetooth payment server according to the present invention.

                  Explanation of symbols on the main parts of the drawings

100: Bluetooth built-in mobile phone 110: Bluetooth protocol processing unit

120: device search / connection setup processing unit 139; User Authentication Management Manager

140: goods payment processing manager 150: Bluetooth wireless (RF) transceiver

200: Bluetooth payment server 210: Bluetooth wireless (RF) transceiver

220: protocol processing unit 230: PSTN / WAN transceiver

240: credit authentication and payment processing unit 250: purchase goods reader

260: product processing unit 270: product price information database

300: Credit settlement system 310: Credit card company

320: credit authentication server

Claims (8)

A Bluetooth transceiver for transmitting / receiving data with a Bluetooth-embedded cellular phone; A purchase article reading unit for reading the purchase article; A commodity price information database storing and commodifying commodity price information on the commodity; A merchandise processing unit for obtaining a specification of an article read from the purchase article reading unit; A protocol processing unit for controlling the specification of the purchased goods delivered from the product processing unit to be transmitted to the Bluetooth embedded mobile phone as a Bluetooth object transmission profile; A credit authentication and payment processing unit for requesting a credit settlement system for the purchaser's credit and payment processing; A payment system using Bluetooth comprising a PSTN / WAN transceiver for transmitting and receiving data for payment processing of a credit settlement system. The method of claim 1, The mobile phone with built-in Bluetooth, A Bluetooth transceiver for transmitting and receiving a protocol for Bluetooth data communication; A protocol processing unit for managing user authentication data by connecting a corresponding mobile phone for performing Bluetooth communication; When the user authentication is completed, the payment system using a Bluetooth configured to include a payment manager for controlling the user to select whether or not to pay the bill of purchase. The method of claim 2, The protocol processing unit, A device search / connection processing unit for searching for a payment server device and connecting the mobile phone; Payment system using Bluetooth configured to include a user authentication management manager for managing user authentication data. A first step of reading the purchaser's product information and creating a purchase specification using the product price information; A second step of transmitting the purchase statement created in the first step to the Bluetooth embedded mobile phone; A third step of checking a purchase statement delivered to the Bluetooth-embedded cellular phone and selecting user authentication and payment of goods; A fourth step of transmitting the purchaser information including the goods payment information and the user authentication information selected in the third step to the payment server; The payment server accesses the credit system and transmits the buyer information; A sixth step of confirming authentication of the buyer information in the credit system and determining whether the payment is approved; A seventh step of transmitting the payment information approved in the sixth step to a Bluetooth embedded mobile phone through a payment server; A payment method using Bluetooth, comprising the eighth step of confirming the approved payment information through the Bluetooth embedded mobile phone. The method of claim 4, wherein In the first to third steps, the purchase specification, the merchant name, Bluetooth payment server authentication number, a purchase item list and price, characterized in that consisting of the price. The method of claim 4, wherein In the fourth to sixth step, the buyer information includes a name, a social security number, an authentication number, a mobile phone number, a payment authentication password, a credit settlement processing code, and the like. The method of claim 4, wherein In the seventh to eighth step, the payment information, payment server authentication number, affiliated store representative name, merchant business registration number, transaction item list and price and transaction code characterized in that consisting of a transaction code. The method of claim 4, wherein Data communication between the Bluetooth built-in mobile phone and the Bluetooth payment server is performed using an object transfer profile.