KR20050078853A - The system and method settling a bill using bluetooth technology and set top box - Google Patents

Abstract

The present invention relates to a financial settlement system and method using a Bluetooth technology and a set-top box for cable TV, and in particular, is equipped with a Bluetooth module that has a built-in financial settlement function in a portable mobile communication device, the Bluetooth module cable TV It is equipped with a set-top box to enable financial settlement, and adds an internet phone function to the set-top box to implement an internet phone as a mobile communication device, so that the buyer and seller can communicate without the need for a conventional plastic credit card and card reader. The present invention relates to a payment method and device capable of financial settlement using only a device and a set-top box, and more specifically, to a user's financial settlement method more conveniently and securely by using a wireless communication means of Bluetooth that uses authentication and security algorithms. Can also be assured, The present invention relates to a method and apparatus for implementing a telephone.

Financial payment system using Bluetooth technology and the set-top box for cable TV according to the present invention

A mobile communication device 10 for transmitting payment information of a purchaser using Bluetooth communication;

Receives the TV broadcast signal supplied from the cable TV provider 20a and supplies it to the subscriber's TV, and receives the payment information transmitted from the mobile communication device 10 by using Bluetooth communication and the seller's finance in the payment information. A set-top box 20 including information and transferring a financial settlement approval request through a mobile communication network;

Van operator communication device 30 for receiving the financial settlement approval request received from the set-top box 20 and transmits to the computer 40 of the financial settlement card company;

A financial settlement card company computer 40 which receives the financial settlement approval request and determines whether to approve it, and transmits the determined approval result to the van operator communication device 30 again;

A bank computer 50 for depositing the goods price into a seller's bank account; Characterized in that consisting of.

Description

The system and method settling a bill using Bluetooth technology and set top box}

The present invention relates to a financial settlement system and method using a Bluetooth technology and a set-top box for cable TV, and in particular, is equipped with a Bluetooth module that has a built-in financial settlement function in a portable mobile communication device, the Bluetooth module cable TV It is equipped with a set-top box to enable financial settlement, and adds an internet phone function to the set-top box to implement an internet phone as a mobile communication device, so that the buyer and seller can communicate without the need for a conventional plastic credit card and card reader. The present invention relates to a payment method and device capable of financial settlement using only a device and a set-top box, and more specifically, to a user's financial settlement method more conveniently and securely by using a wireless communication means of Bluetooth that uses authentication and security algorithms. Can also be assured, The present invention relates to a method and apparatus for implementing a telephone.

Conventional financial settlement system, as shown in Figure 1,

A card reader that reads the credit card (1) storing the payment information of the buyer and the card information (payment information) from the credit card (1) and transmits it to a value added network (VAN) provider (3) through a wired communication network. (2) and the van operator (3), which transfers the payment information transmitted from the card reader (2) to the corresponding financial settlement card company computer (4) through a dedicated network and requests payment approval, and the van operator (3). In accordance with the approval result of the financial settlement card company computer (4) and the financial settlement card company computer (4) for the approval process for the payment information transmitted from, and transmits the processing result to the van operator (3) through a dedicated network. It consists of a bank computer 5 which deposits the purchase price into the bank account of the seller.

The conventional financial settlement system configured as such,

When the buyer requests payment of the goods with a credit card (1), the seller reads the buyer's credit card information (card number, expiration date, etc.) through the card reader (2), and then the van operator ( 3) Notify

The van operator 3 transmits the credit card information of the buyer to the corresponding financial settlement card company computer 4 through a dedicated network and requests payment approval.

Then, the financial settlement card company computer 4 transmits the approval result (approval or disapproval) to the van operator 3 through the dedicated network, and the van operator 3 again transmits the received authorization result through the wired network to the seller's card reader. Transfer to (2).

The card reader (2) prints the authorization result sent to the buyer after confirming with the purchaser, and issues a credit card transaction receipt to complete the transaction. The bank computer (5) transfers the purchase price of the buyer to the payment account of the seller. Make a deposit.

However, the conventional financial settlement system has a burden that the buyer should always carry a credit card because the payment is made by a credit card, and in general, it has many credit cards, so it is not only concerned with managing the card. The risk of loss is great, and there is a problem of credit card copying, which has recently emerged as a social problem.

In addition, the seller has to purchase an expensive credit card reader, there was an inconvenience to change the print paper every time.

Therefore, the present invention proposed to solve the above problems is equipped with a Bluetooth module that has a built-in financial payment function in a portable mobile communication device, and the Bluetooth payment is possible by mounting the Bluetooth module in the set-top box for cable TV At the same time, it is possible to implement Internet telephony as a mobile communication device by adding internet telephony function to the set-top box, so that financial settlement is possible only with the mobile communication device and set-top box of the buyer and seller without the existing plastic credit card and card reader The present invention relates to a payment method and a device, and more specifically, to a user's financial settlement method more conveniently and securely by using a wireless communication means of Bluetooth that uses authentication and security algorithms. Provides a method and apparatus for implementing an Internet telephone through For the purpose of

2 to 4 illustrate a financial settlement system and method using the Bluetooth technology of the present invention and a set-top box for a cable TV for achieving the above object. Referring to the drawings, a preferred embodiment of the present invention will be described below. same.

Financial settlement system of the present invention for achieving the above object,

A mobile communication device 10 for transmitting payment information of a purchaser using Bluetooth communication;

Receives the TV broadcast signal supplied from the cable TV provider 20a and supplies it to the subscriber's TV, and receives the payment information transmitted from the mobile communication device 10 by using Bluetooth communication and the seller's finance in the payment information. A set-top box 20 including information and transferring a financial settlement approval request through a mobile communication network;

Van operator communication device 30 for receiving the financial settlement approval request received from the set-top box 20 and transmits to the computer 40 of the financial settlement card company;

A financial settlement card company computer 40 which receives the financial settlement approval request and determines whether to approve it, and transmits the determined approval result to the van operator communication device 30 again;

A bank computer 50 for depositing the goods price into a seller's bank account; Characterized in that consisting of.

The mobile communication device 10

A key unit 11 equipped with a first specific key for instructing the purchaser to transmit payment information and a second specific key for using the Internet telephone; A phone module 12 for controlling the call with the other party; A communication module 13 for transmitting and receiving data in a CDMA communication method; When the first specific key is inputted, the payment information of the buyer, which is stored in itself, is transmitted to the set-top box 20 of the seller by using Bluetooth communication. A first Bluetooth module 14 for transmitting to the set-top box 20; It is configured to include,

The seller set-top box 20,

A key unit 21 for inputting sales information; A memory 22 storing financial information of the seller; A second Bluetooth module 24 for receiving payment information and phone number information transmitted from the first Bluetooth module 14 of the mobile communication device 10; A synthesizing unit 23 for synthesizing the payment information of the buyer and the sales information and financial information of the seller received through the second Bluetooth module 24 and supplying them to the communication modem 25; A communication modem 25 for transmitting the financial settlement approval request information input from the synthesizing unit 23 to the van operator communication device 30 through a cable TV network; A dialing unit 27 for dialing a phone number input through the second Bluetooth module 24 and outputting the dialing information through the communication modem 25 to make a call to the other party; A TV signal processing module 26 for processing a TV broadcast signal received through the communication modem 25 and outputting the signal to a TV; Characterized in that configured to include.

And, the control method of the configured financial settlement system,

A first step of the purchaser transmitting the financial settlement information to the seller's set-top box 20 using Bluetooth communication included in the mobile communication device 10;

A second step of the set-top box 20 transferring the received financial settlement information to a van operator communication device 30 through an internet network provided by a TV cable network;

A third step of the van operator communication device 30 transferring the buyer's financial settlement approval request to the corresponding financial settlement card company computer 40 and receiving the result;

A fourth step of the van operator communication device 30 transmitting the financial settlement approval result to the purchaser's mobile communication device 10 through a mobile communication network and to the seller's set-top box 20 through a cable TV network;

A fifth step in which the van operator communication device 30 charges the purchaser's goods price to the financial settlement card company computer 40 and deposits the goods money into the seller's bank account; Characterized in that consisting of.

In addition, in the fourth step, the van operator communication device 30 transmits the approval result to the purchaser's mobile communication device 10 through the mobile communication network, using the SMS function of the CDMA network.

The operation of the present invention configured as described above will be described as follows. Prior to the description of the present invention, Bluetooth communication, which is the technical background of the present invention, will be briefly described.

Bluetooth is a technology that enables two-way communication without the need for complicated wires by connecting devices such as short-range computers, mobile phones, headsets, printers, PDAs, notebooks, and home appliances to wireless networks.

Bluetooth has emerged as an important component of mobile communication due to its low cost and high versatility, and is currently being serviced by devices such as mobile phones and headsets using the Bluetooth protocol.

The communication between the Bluetooth devices is based on the master-slave connection.The Bluetooth device requesting the connection by setting the frequency hopping order is called the master, and it listens to the master's connection request and synchronizes with the master's frequency hopping order. The Bluetooth device that accepts the connection is called a slave.

Bluetooth devices in standby state the address and approximate clock offset value of other devices through an Inquiry and Inquiry Scan process.

Then, the connection between the nodes may be configured through paging and paging scan processes. In this process, it is possible to provide a secure and secure transaction by using the authentication and encryption algorithm provided in the standard technique of the Bluetooth system.

The operation of the present invention will be described below.

First, the purchaser approves in advance credit card information, that is, payment information such as credit card number, expiration date and password, to the first Bluetooth module 14 provided in the mobile communication device 10 of the corresponding credit card company. Receive and save.

Subsequently, when the buyer wants to purchase the item and the buyer inputs the first specific key provided in the key unit 11 of the mobile communication device 10, the buyer's payment information is provided with the first Bluetooth module 14 itself. To transmit to the set-top box 20 of the seller using Bluetooth communication.

When the user wants to use the credit card function as the mobile communication device 10 as described above, the user may input a password so that the user cannot use the credit card function except the user even if the mobile communication device having the Bluetooth function is lost. It is preferable to use the credit card more safely. Also, since the Bluetooth device, for example, the first Bluetooth module 14 and the second Bluetooth module 24 use authentication and password in the process of establishing a wireless connection with each other, the card It is possible to prevent illegal copying such as copying.

On the other hand, the set-top box 20 of the seller is equipped with a second Bluetooth module 24 for communicating with the first Bluetooth module 14, the seller's financial information, that is, merchant code, seller's payment account information, etc. Has been previously approved by the credit card company and stored in the memory (22).

Accordingly, when payment information is transmitted from the buyer's mobile communication device 10, the second Bluetooth module 24 receiving the payment information transmits the received payment information to the synthesis unit 23, and the synthesis unit 23 receives the input. The sales information (item price, installment month number) and the financial information stored in the memory 22 are input to the communication modem 25 by the seller through the key part 21.

The communication modem 25 transmits the overall payment approval request information supplied from the synthesis unit 23 to the van operator communication device 30 through the cable TV network, and the van operator communication device 30 receives the received payment approval. The request information is transmitted to the financial settlement card company computer 40 through a private network to request approval.

The financial settlement card company computer 40 approves the payment approval request and then transmits the approval information back to the van operator communication device 30 through a dedicated network, and the van operator communication device 30 sends the approval result information. The SMS text message function of the CDMA communication network transmits to the purchaser's mobile communication device 10 and to the seller's set-top box 20 through the cable TV network.

Accordingly, the buyer and the seller can check the payment approval result through the mobile communication device 10 and the set-top box 20, and according to the payment approval, the bank computer 50 checks the purchase price of the purchaser's bank. It will be deposited into the account.

On the other hand, the user of the mobile communication device 10 can use a low-cost Internet phone using the set-top box (20).

That is, when the user inputs the second specific key provided in the mobile communication device 10 and then inputs the relative phone number in sequence, the first Bluetooth module 14 stores the telephone signal information input by the user in the set-top box ( 20 to the second Bluetooth module 24, the dialing unit 27 of the set-top box 20 receives the telephone number input to the second Bluetooth module 24 automatically via the communication modem 25 Dial.

Then, the dialing information transmitted from the dialing unit 27 is transmitted through the Internet network and transmitted to the telephone of the other party, so that the user can use the Internet telephone using the mobile communication device 10.

After the call is connected with the other party, the user's voice is converted into an electrical signal through the telephone module 12, and the voice signal is transmitted to the communication operation between the first Bluetooth module 14 and the second Bluetooth module 24. It is transmitted to the set-top box 20 by the communication modem 25 of the set-top box 20 is transmitted to the Internet network to the other party, the voice signal of the other party is transmitted through the Internet network set-top After being received by the communication modem 25 of the box 20, it is supplied to the mobile communication device 10 through the second Bluetooth module 24 and the first Bluetooth module 14 so that the user can listen to the voice of the other party. Will be.

Through the Internet phone function as described above, the user can conveniently use a low-cost Internet phone as a general mobile communication device (10).

On the other hand, Figure 4 is a flow chart for explaining a financial settlement method using a Bluetooth terminal of the buyer and seller,

First, the buyer's mobile communication device 10 transmits the buyer's credit card information to the seller's set-top box 20 through the Bluetooth communication function, and the set-top box 20 transmits the buyer's credit card information through the Bluetooth communication. In addition to the merchant code, the price of goods, the number of installment month, etc. and transmits to the van operator communication device 30 through the cable TV network.

The van operator communication device 30 transmits the payment approval request received from the set-top box 20 to the corresponding financial settlement card company computer 40 through a dedicated line, and the card company computer 40 is responsible for the payment approval request. The payment approval result is transmitted to the van operator communication device 30 again through a dedicated line.

The van operator communication device 30 notified of the payment approval result transmits to the purchaser's mobile communication device 10 using the SMS message function of the CDMA network and the payment approval result to the set-top box 20 of the seller through the cable TV network. By wireless transmission of the credit card payment using the mobile communication device is made, the van operator communication device 30 requests the bank computer 50 so that the purchaser's goods price is deposited into the seller's bank account, the goods price of the seller Make a deposit to your bank account.

As described above, the present invention is equipped with a Bluetooth module that has a built-in financial payment function in a portable mobile communication device, and equipped with the Bluetooth module in the set-top box for cable TV to enable financial settlement and at the same time set-top By adding the Internet phone function to the box to implement the Internet phone as a mobile communication device, it is possible to make financial payments only with the mobile communication device and the set-top box of the buyer and seller without the existing plastic credit card and card reader, authentication and security algorithm. By using Bluetooth wireless communication means that users can make their financial settlement method more convenient and secure. Also, Bluetooth technology and cable TV for enabling internet phone call through mobile communication devices are possible. Hyosung provides a financial settlement system and method using a set-top box You can expect.

It is to be understood that the present invention is not limited to the above-described exemplary embodiments but may be practiced in various ways without departing from the spirit and scope of the present invention. It will be readily understood by those of ordinary skill in the art, and it is to be understood that the technical idea should also be regarded as belonging to the present invention if the implementation by such improvement, modification, replacement or addition falls within the scope of the appended claims.

1 is a view showing a conventional financial settlement system.

2 is a view showing a financial settlement system of the present invention.

Figure 3 is a block diagram showing the configuration of a mobile communication device and a set-top box applied to the present invention.

4 is a flowchart showing a control process of the present invention.

Explanation of symbols for main parts of the drawings

10: mobile device, 11: kiibu,

12: telephone module, 13: communication unit,

14: first Bluetooth module, 20: set-top box,

20a: cable TV operators, 21: kiibu,

22: memory, 23: synthesis unit,

24: second Bluetooth module, 25: communication modem,

26: TV signal processing module, 27: dialing unit,

30: van operator communication device, 40: financial settlement card company computer,

50: bank computer,

Claims (5)

A mobile communication device 10 for transmitting payment information of a purchaser using Bluetooth communication; Receives the TV broadcast signal supplied from the cable TV provider 20a and supplies it to the subscriber's TV, and receives the payment information transmitted from the mobile communication device 10 by using Bluetooth communication and the seller's finance in the payment information. A set-top box 20 including information and transferring a financial settlement approval request through a mobile communication network; Van operator communication device 30 for receiving the financial settlement approval request received from the set-top box 20 and transmits to the computer 40 of the financial settlement card company; A financial settlement card company computer 40 which receives the financial settlement approval request and determines whether to approve it, and transmits the determined approval result to the van operator communication device 30 again; A bank computer 50 for depositing the goods price into a seller's bank account; Financial settlement system using Bluetooth technology and a set-top box for cable TV, characterized in that consisting of. The method of claim 1, wherein the mobile communication device 10 A key unit 11 equipped with a first specific key for instructing the purchaser to transmit payment information and a second specific key for using the Internet telephone; A phone module 12 for controlling the call with the other party; When the first specific key is inputted, the payment information of the buyer, which is stored in itself, is transmitted to the set-top box 20 of the seller by using Bluetooth communication. A first Bluetooth module 14 for transmitting to the set-top box 20; Financial payment system using a Bluetooth technology and cable TV set-top box, characterized in that configured to include. The method of claim 1, wherein the seller set-top box 20, A key unit 21 for inputting sales information; A memory 22 storing financial information of the seller; A second Bluetooth module 24 for receiving payment information and phone number information transmitted from the first Bluetooth module 14 of the mobile communication device 10; A synthesizing unit 23 for synthesizing the payment information of the buyer and the sales information and financial information of the seller received through the second Bluetooth module 24 and supplying them to the communication modem 25; A communication modem 25 for transmitting the financial settlement approval request information input from the synthesizing unit 23 to the van operator communication device 30 through a cable TV network; A dialing unit 27 for dialing a phone number input through the second Bluetooth module 24 and outputting the dialing information through the communication modem 25 to make a call to the other party; A TV signal processing module 26 for processing a TV broadcast signal received through the communication modem 25 and outputting the signal to a TV; Financial payment system using a Bluetooth technology and cable TV set-top box, characterized in that configured to include. A first step of the purchaser transmitting the financial settlement information to the seller's set-top box 20 using Bluetooth communication included in the mobile communication device 10; A second step of the set-top box 20 transferring the received financial settlement information to a van operator communication device 30 through an internet network provided by a TV cable network; A third step of the van operator communication device 30 transferring the buyer's financial settlement approval request to the corresponding financial settlement card company computer 40 and receiving the result; A fourth step of the van operator communication device 30 transmitting the financial settlement approval result to the purchaser's mobile communication device 10 through a mobile communication network and to the seller's set-top box 20 through a cable TV network; A fifth step in which the van operator communication device 30 charges the purchaser's goods price to the financial settlement card company computer 40 and deposits the goods money into the seller's bank account; Financial payment method using a Bluetooth technology and a set-top box for cable TV, characterized in that consisting of. 5. The method according to claim 4, wherein in the fourth step, the van operator communication device 30 transmits the approval result to the purchaser's mobile communication device 10 through the mobile communication network, using the SMS function of the CDMA telephone network. Financial settlement method using technology and set-top box for cable TV.