KR20070115203A - Method and system to pay the price in the ubiquitous - Google Patents

Abstract

A payment system under a ubiquitous environment and a method thereof are provided to collect information on a product and to prepare for a transaction by using a UDA(Ubiquitous Data Assistant) without other special medium by using a bluetooth, an RFID and an IrDA so that information on the product and the transaction can be smoothly exchanged. A payment method under a ubiquitous environment comprises the following several steps. A payment system receives information on a product including a price via a unique code by making an RFID reader recognize an RFID tag, and generates a TID(Transaction ID) of a seller(S10). A terminal of the seller registers transaction information and account information at a seller side payment organization and receives a BTID of the seller from the seller side payment organization(S20). The terminal of the seller transmits purchase information and transaction information of the seller to a terminal of a buyer and requests the buyer to make payment(S30). The terminal of the buyer performs a himself or herself verification procedure via a verification unit and approves the payment(S40). The terminal of the buyer transmits the transaction information of the buyer, the transaction information of the seller, the account information of the seller, and the account information of the buyer encoded via a public key of a bank to a buyer side payment organization(S50). The buyer side payment organization withdraws money from the account of the buyer, remits the withdrawn money to a bank ID of the seller, and transmits a BTID(Banking Transaction ID) of the seller to the seller side payment organization(S60). The seller side payment organization deposits the remitted money to the account of the seller(S70). The buyer side payment organization transmits the payment result to the TID of the buyer and the terminal of the buyer via a terminal ID of the buyer, and the seller side payment organization transmits the payment result to the TID of the seller and the terminal of the seller via a terminal ID of the seller(S80).

Description

Payment system and method in ubiquitous environment {METHOD AND SYSTEM TO PAY THE PRICE IN THE UBIQUITOUS}

1 is a business model diagram according to a first embodiment of a payment system in a ubiquitous environment of the present invention;

2 is an overall configuration diagram according to a first embodiment of a payment system in a ubiquitous environment of the present invention;

3 is a flow chart according to the first embodiment of the payment method in the ubiquitous environment of the present invention,

4 is a block diagram illustrating the payment process of FIG.

5 is a data flow diagram according to the flowchart of FIG. 3;

6 is a flow chart according to a second embodiment of the payment method in the ubiquitous environment of the present invention,

7 is a block diagram illustrating the payment process of FIG.

8 is a data flow diagram in accordance with the flow chart of FIG.

* Description of the main parts of the drawings *

1: Item 2: Seller

3: Buyer 4: Seller Payment Agency

5: buyer's payment institution 6: electronic receipt

7: UDA 8: payment machine

9: RFID tag 10: RFID reader

11: Bluetooth

The present invention relates to a payment system and method under a ubiquitous environment for the settlement of payment through wired and wireless terminals between buyers and sellers under a ubiquitous environment.

Transactions between the various businesses in commerce basically involve some transaction cost, whatever the form.

Sellers speak advertising languages through various media to inform their products, and buyers try to find information by asking people around them to find the products they want or by entering search terms in the search box.

When they find something they like, they type their credit card number or the other party's account number on the keyboard to pay the bill, and the seller likewise explains the price or makes a price tag to the buyer for payment.

In addition, it is common to show the cost of transactions between businesses by repeating each customer's transaction by accepting the customer, counting the money and giving back the change, or receiving the customer's credit card, scraping the reader and handing the receipt by hand. .

When these various processes are not blocked and are made to the end, a single transaction of purchase occurs, and if there is an end in any process of each process, a purchase cannot occur.

With the advent of the Internet, a myriad of digital information has been created, creating a new area of commerce called e-Commerce that uses this information and engaging it with physical or local commerce. The combination of the two sets of information has led to a new phase in which transactions occur.

However, such commerce has caused a new kind of transaction cost, which is the conversion cost in the process of converting physical information into digital information or vice versa.

For example, if you look at the physical price tag attached to a product and try to pay it by e-payment such as credit card or bank transfer, the seller or buyer pays the price of the item, a number such as a credit card number and a bank transfer number. I have a hard time typing something into my device.

Similarly, even if prices are recorded digitally, it is a challenge to create a physical price list in order to show them locally to buyers, due to the different nature of the two pieces of information (physical information and digital information). The trader experiences 'cession'.

Such a cease-fire is an obstacle to this kind of transaction, and a trader who has a high difficulty in this process has an intention or action to stop the transaction, that is, to stop the purchase.

As the ubiquitous environment progresses, this ceaselessly changes to a 'seamless' state.

As RFID tags are embedded in products, the process of requiring 'input' has been replaced by simple 'reading' of readers, and short-range communication technologies such as Bluetooth and IrDA are used to dynamically generate digital information. Sends to the device of the other endlessly (without detachable actions such as saving to USB and saving to the other device again).

Based on this technology, U-Commerce realizes 'the real-world seamless communication of each entity's digital information' and similarly, it is possible to implement seamless payment process in U-Payment.

Another issue is the issue of privacy, which is important in many ubiquitous computing areas.

In general, for the protection of privacy, so-called 'masked commerce' was possible in each process between conventional commerce according to the needs and intentions of customers.

In the process of searching for, comparing, and negotiating a product, it was possible for the customer to perform this process without revealing his or her personal information, if he wanted and worked hard.

In spite of these efforts, however, in the event of a final 'payment', information on product purchase is stored externally, resulting in a violation of privacy.

Because of this, the mask you used to protect your privacy is useless.

Among the existing payment methods, the best solution to the above problems is cash payment.

Since then, payment methods have been developed to increase the convenience of inter-commerce payments, but they have resulted in a weaker privacy issue. Similarly, with the advent of digital forms of payment, such as e-Payment, e-cash can be an alternative to solve this problem.

However, in view of the development of electronic money up to now, as the ubiquitous environment progresses in the future, the probability of generating universal and universal electronic money is very low.

This is because the payment method is related to the issue of agreement and integration between the institution and various operators, and it is highly likely that a kind of electronic money such as cyber money, which can be used only in a specific group, will emerge.

However, this is very difficult to be an alternative as a general payment method because scalability is very poor.

In other words, the first problem of the current payment system is that the payment method is related to the issue of agreements and integration between the system and various providers, but it is not possible to provide a payment method integrated by different systems and agreements between different providers. Electronic money, such as Cyber Money, which is only available to certain groups, does not support scalability and thus requires a universal and universal payment method.

Secondly, with the advent of the Internet, a myriad of digital information is created, creating a new commercial area called e-Commerce that uses this information and engaging it with physical or local commerce. In the process, a new kind of transaction cost has been incurred, but when the buyer sees the physical price tag attached to the product, the buyer enters a number such as the price, credit card number, and bank transfer number into the payment device, or Even if it is recorded, this is the labor of creating a physical price tag to show it locally to the buyer. In this process, the trader experiences 'cutting', which prevents the trade, and the trader who has high difficulty takes the intention or action to stop the trade.

Third, the inter-commerce payment method has been developed to increase the convenience of payment, but it has resulted in the weakness of the privacy problem. Most payment systems have information about buyer account information or products at the time of purchase. As it passes through an internet site or payment gateway (PG), there is a fatal problem of privacy exposure of the payer.

An object of the present invention for solving the above problems, ubiquitous to enhance the seamlessness and privacy between payments of the user through the U-SDT Protocol combining RFID and Bluetooth, payment system of the user terminal, financial account management application and ID To provide a payment system and method under the environment.

In addition, the object of the present invention by using a device such as Bluetooth, RFID, IrDr, such as short-range wireless network technology to obtain the product information through the UDA without going through a separate media and to proceed with the preparation for the transaction to obtain the product and transaction information To provide a payment system and method in a ubiquitous environment for exchange.

Another object of the present invention is to propose a payment system in which a main payment process is based on a purchaser terminal through recognizing the payment information of the seller in the purchaser's terminal. To provide payment system in ubiquitous environment to implement Peer payment method.

As described above, in the product payment method in a ubiquitous environment, a product information input step of recognizing an RFID tag as the RFID reader, receiving product information including a product price through the unique code, and generating a seller TID through the unique code (S10); The seller terminal registers the seller transaction information and the seller account information in the seller payment institution, the transaction registration step of receiving a seller BTID from the seller payment institution (S20); The seller terminal transmits the purchase information and seller transaction information to the buyer terminal payment request step of making a payment request to the buyer terminal (S30); The purchaser terminal is a payment approval step (S40) for approving the payment after confirming that the buyer is the user through the authentication means of the buyer; The purchaser terminal transmits the purchaser transaction information, the seller transaction information, the seller account information, and the buyer account information encrypted with the buyer bank public key to make a payment request to the buyer payment institution (S50); The purchaser payment institution withdraws funds from the buyer's account and transfers the funds to the seller bank ID to transfer the seller BTID, the seller transaction information, to the seller payment institution to transfer the amount to the seller payment institution (S60); The seller payment institution is a payment processing step of depositing funds in the account of the seller (S70); The payment result of the payment is sent to the buyer terminal, the buyer payment institution with the buyer TID to the buyer terminal, and the seller payment institution transmits the payment result to the seller TID and the seller terminal through the seller terminal ID. It is achieved by the payment method in the ubiquitous environment, characterized in that performing the payment result step (S80).

Hereinafter, embodiments of the payment system and method in the ubiquitous environment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a business model diagram according to a first embodiment of a billing system in a ubiquitous environment of the present invention, Figure 2 is an overall configuration diagram according to a first embodiment of a billing system in a ubiquitous environment of the present invention.

3 is a flow chart according to the first embodiment of the payment method in the ubiquitous environment of the present invention, FIG. 4 is a block diagram illustrating the payment process of FIG. 3, and FIG. 5 is a data flow diagram according to the flowchart of FIG. 4. to be.

6 is a flow chart according to a second embodiment of a payment method in a ubiquitous environment of the present invention, FIG. 7 is a block diagram illustrating a payment process of FIG. 6, and FIG. 8 is data according to the flowchart of FIG. 6. It is a flow chart.

As shown in the relationship diagram of the business model of Fig. 1, the buyer's financial institution and the seller's financial institution are the subjects through which the actual financial information is traded. The actual payment process takes place in these two entities, providing users with the value of convenience of payment due to financial server intervention. However, they play only a minimal function of financial information exchange, not the monopoly of payment-related information such as banks and credit card companies, so their role is lighter than before.

The buyer 3 selects a product from a store and requests a payment from a seller 2 who is a store clerk. The clerk who took the purchase product 1 to the store payment machine 8 reads the tag information of the product RFID tag 9 with the store payment machine 8, and displays the purchase product and price display on the payment monitor. Be sure to

When the UDA 7 of the buyer 3 receives and receives the payment information of the payment machine 8, the payment application is executed in the UDA 7 of the buyer 3, wherein the buyer 3 is UDA 7. After confirming the product name, specification, price, etc. on the screen, the user is authenticated by a method such as an official certificate or payment password.

The payment institution (5: the buyer's bank or credit card company) receives the payment request from the UDA (7) of the buyer (3), and the corresponding payment institution of the buyer (3) who received the request is the corresponding payment institution of the seller (2) The payment processing result is transmitted to (4).

The payment institution 5 of the buyer transmits the payment result (payment amount to the seller) to the UDA 7 of the buyer 3 to display the payment result on the UDA 7 screen, and the payment of the seller 2 is made. The institution 4 transmits the settlement result to the store payment machine 8.

Thus, the seller (2) to check the display of the payment result through the monitor of the shop payment machine (8).

At this time, the purchase product 1 is delivered to the buyer 3 and the electronic receipt 6 is transmitted to the buyer's UDA (7).

The payment system and method under the ubiquitous environment of the present invention are examples of the above, but the above-mentioned product payment behavior is not limited thereto, but the present invention can be applied to payment services for coffee shops or hotels, or vending machines without a seller. Do.

Therefore, in order to perform such a payment process, the payment system under the ubiquitous environment of the present invention is a communication module, UDA image that reads the information of goods by wireless short-range communication method such as RFID, Bluetooth, IrDr as shown in FIG. Client module for displaying product information and payment information, cryptographic communication module to send and receive payment information between UDA and payment institution, and integrated payment server for payment at payment institution.

As shown in the figure, the payment system in the ubiquitous environment of the present invention includes an RFID tag 9 attached to the product 1, an RFID reader 10 for identifying the RFID tag 9, and the RFID reader 10 UDA of the buyer wirelessly transmitting / receiving data with the payment machine 8 via the payment machine 8 connected to the payment device 8, the Bluetooth 11 connected to the payment machine 8, and the Bluetooth 11. 7), the payment machine 8 and the UDA 7 have an Internet network and a mobile communication network for communication with an authentication authority for user authentication and a payment institution for payment.

The commodity 1 includes all goods and services generally purchased by a buyer described in FIG. 1, which include a price as well as an RFID tag 9 which records the commodity history from the production stage to the distribution process. ) Is attached.

The RFID tag is a tag used in a general RFID system and has a unique code.

The RFID reader 10 is also a passive reader generally used in an RFID system, and receives a unique code of the RFID tag 9 when it reaches a predetermined range of the RFID tag 9.

The payment machine (8) is connected to the RFID reader 10 in a wired manner and is a terminal for a wireless Internet capable of receiving data from the payment institution, and the unique code input from the RFID reader (10). Through receiving all the product data from the price of the product to the history to display on the monitor so that buyers and sellers can check the product information.

The payment terminal 8, which is the seller terminal, generates the first payment related information through input of a product tag or service ID, and generates a seller TID of the seller. After payment, the electronic receipt information for transmitting to the buyer terminal is generated through the approval process of the seller and the buyer ID, and a signal for modifying the unpaid state of the product tag to the payment completion state is transmitted to the tag in the product.

The Bluetooth 11 is connected to the other side of the payment machine 8, and transmits and receives the goods and seller data existing in the payment machine 8 and the data of the UDA (7) by short-range wireless communication.

The UDA 7 is a terminal possessed by a purchaser, and refers to a terminal device such as a mobile communication terminal, a PDA, a notebook computer, etc. that can transmit and receive data in connection with a wireless Internet and a mobile communication network.

The purchaser terminal performs collection, processing, and storage of payment related information. It recognizes the payment related information from the seller terminal in detail, and generates by adding the buyer TID to the buyer ID generated by the seller terminal.

The authentication process with the buyer through the user authentication process does not involve financial institutions, etc., and the payment process for transmitting the actual amount is also processed by the application running on the buyer terminal.

As such, the purchaser terminal is the most leading entity between the U-SDT and owns the most payment related information.

Servers to perform payment activities include WAS (WebLogic, WebSphere, etc.), WebServer (Apache, SUN Java System WebServer, etc.), WAP Gateway Server, and integrated payment server.

3 is a flowchart illustrating a payment operation between a buyer and a seller, which will be described together with the payment process of FIG. 4.

First, as shown in FIG. 4A, the seller terminal recognizes a service ID or an RFID tag attached to a product with the RFID reader and receives product information including a product price through the unique code. S10) is performed.

At this time, the seller terminal generates a seller TID through the seller ID.

When performing the product information input step (S10), the seller terminal performs a transaction registration step (S20) for registering a transaction with the seller payment institution.

As shown in b of FIG. 4, the seller terminal registers the seller transaction information and the seller account information for the payment processing with the seller payment institution.

At this time, the seller transaction information is a seller TID, seller terminal ID.

In addition, in transmitting the above information, a seller BTID (payment institution Transaction ID) is returned from the seller settlement institution.

When the seller BTID is returned by the transaction registration step (S20) as described above, the seller terminal performs the payment request step (S30) for making a payment request to the buyer terminal as shown in FIG.

In this case, the seller terminal transmits the purchase information and the seller transaction information to the buyer terminal. The purchase information corresponds to a brand name and an amount, and the seller transaction information is a seller BTID and a seller settlement agency ID.

When performing the payment request step (S30), as shown in d of FIG. 4, the buyer terminal performs a payment approval step (S40) for confirming payment after confirming that the buyer is the user through the authentication means of the buyer.

The authentication means is a certified certificate.

When performing the payment approval step (S40), the buyer terminal performs a payment request step (S50) that makes a payment request to the buyer payment institution.

As shown in e of FIG. 4, in the payment request step S50, the buyer terminal transmits the buyer transaction information, the seller transaction information, the seller account information, and the buyer account information encrypted with the buyer bank public key.

The buyer transaction information corresponds to an amount, a buyer TID, and a buyer terminal ID. The seller transaction information corresponds to a seller BTID and a seller settlement agency ID.

When the payment request is made to the buyer's payment institution as described above, the buyer's payment agency performs the remittance step (S60) to transfer the amount to the seller's payment institution.

In the remittance step (S60), as shown in f of FIG. 4, the buyer settlement agency transfers the seller BTID, the seller transaction information, to the seller settlement agency in the process of withdrawing funds from the buyer's account and remitting the funds to the seller bank ID. .

When the remittance is completed by the remittance step (S60), as shown in g of Figure 4, the seller payment institution performs a payment processing step (S70) for depositing funds in the account of the seller.

After passing through the payment processing step (S70), as shown in Figure 4h, the payment result is the payment result step (S80) to be transmitted to the buyer terminal and the seller terminal in the buyer payment institution and the seller payment institution, respectively. Will be performed.

In the payment result step (S80), the buyer remittance result transmits the payment result with the buyer TID through the buyer terminal ID, and transmits the payment result with the seller TID through the seller terminal ID.

When performing the payment result step (S80), as shown in I of Figure 4, by performing a payment result confirmation step (S90) to check the payment result using the seller BTID to the seller payment institution in the ubiquitous environment of the present invention This completes the process of the first embodiment of the payment method.

As shown in the data flow diagram of FIG. 5, when the seller terminal requests product information, the RFID tag transmits a unique code to the seller terminal.

The seller TID generated by the seller terminal through the unique code is transmitted to the seller settlement institution along with the seller terminal ID and the seller account information stored in the terminal to register the transaction.

The seller BTID generated by the seller TID and the seller terminal ID transmitted to the seller payment institution are transmitted to the seller terminal and the seller BTID is sent to the buyer terminal together with the product information and the seller bank ID. Is sent.

The buyer TID is generated through the product information, the seller BTID, and the seller bank ID transmitted to the buyer terminal, and the buyer TID, the buyer terminal ID, the seller BTID, the seller bank ID, and the buyer account information are transmitted to the buyer settlement institution. .

The seller BTID is transmitted from the buyer settlement institution to the seller settlement institution so that the remittance is made, and the buyer terminal ID and the buyer TID of the buyer settlement institution are transmitted to the buyer terminal to inform the settlement result after completing the transfer. The seller's terminal ID and seller's TID are sent to the seller's terminal.

In addition, the seller BTID is transmitted from the seller terminal to the seller settlement agency so that the settlement result is confirmed, so that the seller settlement agency notifies the seller terminal of the settlement result.

FIG. 6 is a flowchart illustrating a payment operation between a buyer and a seller for the second embodiment of the payment method in the ubiquitous environment of the present invention, which will be described together with the payment process of FIG. 7.

Since the specifications and functions of the system components of the second embodiment are similar to those of the first embodiment, detailed description thereof will be omitted.

That is, the RFID tag, the RFID reader, the seller terminal, the buyer terminal, the seller settlement agency, the buyer settlement agency, etc. perform the same functions as in the first embodiment.

First, as illustrated in FIG. 7A, the seller terminal recognizes a service ID or an RFID tag attached to a product with the RFID reader and receives product information including a product price through the unique code. S10) is performed.

At this time, the seller terminal generates a seller TID through the seller ID.

As described above, when the product information is input to the seller terminal through the product information input step (S10), as shown in b of FIG. do.

In the payment request step, the purchaser information, the seller transaction information, and the seller account information encrypted with the seller bank public key are delivered to the purchaser terminal.

The purchase information corresponds to a product name, an amount, and the like, and the seller transaction information is a seller TID, a seller terminal ID, and a seller bank ID.

When the above information is transmitted to the purchaser terminal, as shown in c of FIG. 7, the purchaser terminal undergoes a payment approval step (S30) to approve payment after verifying the identity through the user's own authentication means.

The authentication means is a representative certificate.

When the payment verification step is completed, as shown in d of FIG. 7, the buyer terminal undergoes a payment request step (S40) of making a payment request to the buyer payment institution.

In the payment request step, the buyer terminal transmits the buyer transaction information, the seller transaction information, the received seller account information, and the buyer account information encrypted with the buyer bank public key to the buyer settlement institution.

The buyer transaction information corresponds to an amount, a buyer TID, and a buyer terminal ID. The seller transaction information corresponds to a seller TID and a seller terminal ID.

When passing through the payment request step (S40), as shown in e of FIG. 7, the buyer payment institution performs the remittance step (S50) to be remitted to the seller payment institution.

In the process, the funds are withdrawn from the buyer account and remitted to the seller bank ID, and the buyer settlement institution transmits the seller transaction information and the seller account information to the seller settlement institution.

Here, the seller transaction information is a seller TID.

When the remittance step is performed, the payment result step 60 for notifying the payment result is performed as shown in FIG.

In this step, the buyer payment institution transmits the payment result to the seller terminal and the buyer terminal, wherein the buyer remittance result transmission is to transmit the payment result to the buyer terminal ID together with the buyer TID, and the seller remittance result transmission is the seller terminal ID. The payment result is sent with the seller's TID.

When the payment result step S60 is performed, as shown in g of FIG. 7, the payment processing step 70 in which funds are deposited in the seller account is performed.

In addition, the seller terminal finishes the process of the payment method in the ubiquitous environment by performing the payment result checking step 80 to confirm the payment result by sending the seller TID to the seller payment institution.

8 shows a data flow chart of the second embodiment.

By the product information request of the seller terminal, the unique code transmitted from the RFID tag is transmitted to the seller terminal, so that the seller terminal generates a seller TID.

The seller TID is transmitted to the buyer terminal along with the seller terminal ID, the product information, the seller bank ID, and the seller account information stored in the seller terminal so that the payment is requested.

In addition, the amount of goods sent to the buyer terminal, buyer TID, buyer terminal ID, seller TID, seller terminal ID, seller account information, buyer account information is sent to the buyer settlement institution to be requested for payment.

The seller TID and the seller account information transmitted to the buyer settlement agency are transmitted to the seller settlement agency to allow the transfer.

The buyer terminal ID and the buyer TID of the buyer settlement agency are sent to the buyer terminal to notify the buyer of the payment result, and the seller terminal ID and the seller TID of the buyer settlement agency are sent to the seller terminal to notify the seller of the payment result. Do it.

In addition, the seller TID transmitted to the seller terminal is transmitted to the seller payment institution to confirm the payment result, so that the seller payment agency notifies the payment result.

Hereinafter, specific application examples will be described through scenarios of the payment system and method in the ubiquitous environment of the present invention.

James, an IT worker, went to a department store to buy a present for his first anniversary with his girlfriend. After walking around, she finds a favorite dress in a show window of a women's clothing store. She enters the store and asks for a light blue dress hanging in the show window. After looking at the fabric and its various conditions, James liked the dress and decided to buy it. The clerk who took the dress to the store payment machine reads the product tag information with the payment machine, and when the product and the price are displayed on the payment monitor, James recognizes the payment information of the payment machine with his UDA. James's UDA runs a payment application, and after checking the product name, dimensions, and price through the UDA screen, James completes the payment order after authentication of the certificate. After a few seconds, a transfer confirmation window will appear on James's UDA screen in James's bank account, and the store clerk will remove the stolen warning signal from the store and generate a receipt through the store's monitor where the store's account confirmation window is running. Click on the menu. James thought he might not be able to exchange or refund his girlfriend because he didn't like it, so he pushed the recognition button to the store's payment machine, received an e-receipt, and happily stepped toward his girlfriend with a shopping bag in one hand. Move it.

Intangible material and service scenarios are as follows.

James enters a coffee shop with his girlfriend. After they order coffee and sandwiches, they deliver a gift and have fun chatting. It's too late to get home, and James clicks UDA's payment button at the coffee shop's payment machine for payment. The payment screen shows the product name, product price, and buyer ID, and after completing user authentication, completes the payment. After pressing the recognition button again toward the payment machine to receive the electronic receipt, James leaves the coffee shop with his girlfriend.

Other C2C trading scenarios are as follows.

On his way home from his girlfriend, James finds a unique hand-crafted necklace on a small keyboard on the street and decides to match his first-year couple's necklace with his girlfriend. But James, who has just run out of cash, asks the merchant for UDA payments. Then, the merchant takes out his UDA, inputs the product price, and presses the collect button. Then, the payment information including the merchant's bank account and the seller ID is generated, and James presses the payment button to recognize the payment information of the merchant UDA. After that, as in the previous payment process, the product is sent through the authentication process, the merchant recognizes the electronic receipt, and they hang their necklaces on each other's necks and go to the girlfriend's house with joy.

The above three scenarios describe in detail the aspects of payment of goods and services processed around the buyer's device in the ubiquitous environment.

This is similar to the payment scenario (Payment scenario of BluePay and MyGrocer, which is automatically paid by recognizing the RFID tag of the product by using the buyer's mobile device), but the payment information flow and storage location behind it. In contrast, there are distinct differences in the leading devices for information processing.

In the above scenario, in case of product purchase, the seller's payment device generates payment related information (price, seller's payment account) using the tag attached to the product.In the case of intangibles and services that cannot be tagged, The payment device generates payment information directly without using a tag. Transactions between them involve financial institutions to increase payment convenience, but the biggest difference from previous payments is that the process of processing and storing payment information is not the seller's (or the recipient's) device or the server of the financial institution. Or on the payer's device). This will be a factor in enhancing user privacy in U-SDT.

In the ubiquitous environment, active C2C commerce is likely to introduce 'Indipany (Individual + Company) commerce', in which each individual becomes a business entity.

An essential payment environment to support this is the emergence of a personal payment device (Personal Payment Device) integrating the buyer and seller's payment system.

As in the third scenario, even if the seller does not have an additional payment device such as a card reader, the personalized device will smoothly support payment between peers. This allows each individual to simultaneously act as a buyer and seller.

As described in detail above, the payment system and method in the ubiquitous environment of the present invention is a payment system based on the user's enhanced device, and all such information is directly owned by the direct payment participant. It can be said to enhance privacy by preventing leakage and can be effective in three ways.

Convenience: Simplifies the various processes that occur between commerce and minimizes the intervention of transaction entities, and provides a framework for commerce to minimize the cost for developers to install additional systems.

Seamless: Using wireless communications technologies such as Bluetooth and RFID, UDAs and peripherals have networking capabilities that enable them to always recognize and communicate with each other, ensuring continuity in the purchasing process.

Security: Enhance the protection of personal privacy by allowing the financial institution to directly perform financial information authentication without paying through the internet site or payment gateway (PG) at the time of payment. In addition, payment is proactively made by the buyer in a state where the provision of information is controlled to a minimum.

Although the technical idea of the payment system and method in the ubiquitous environment of the present invention has been described with the accompanying drawings, this is for illustrative purposes only and is not intended to limit the present invention. In addition, it is obvious that any person skilled in the art can make various modifications and imitations without departing from the scope of the technical idea of the present invention.

Claims (7)

In the product payment system under the ubiquitous environment, A payment device for receiving product information and displaying the same on a monitor, the seller terminal being connected to an internet network to receive payment and notification of a payment institution using a previously stored seller terminal ID and seller account information; A wireless communication device possessed by a buyer, comprising a buyer terminal receiving payment performance and notification from a payment institution using product information, seller transaction information, and buyer transaction information wirelessly transmitted from the seller terminal. Payment system in ubiquitous environment. The method of claim 1, The seller terminal is connected to the RFID reader 10 by wire, and receives the unique code of the RFID tag attached to the product, the payment system in the ubiquitous environment, characterized in that for displaying and storing product information. The method of claim 1, The seller terminal is connected to the other side of the Bluetooth (11), the payment system in the ubiquitous environment, characterized in that for transmitting and receiving data existing in the seller terminal and the data of the buyer terminal in the short-range wireless communication. The method of claim 1, The seller transaction information of the seller terminal is a seller TID, the seller terminal ID, the payment system in the ubiquitous environment, characterized in that. The method of claim 1, Buyer transaction information of the buyer terminal is a buyer TID, buyer terminal ID, the payment system in a ubiquitous environment, characterized in that the amount. In the product payment method under the ubiquitous environment, A product information input step (S10) of recognizing an RFID tag as the RFID reader and receiving product information including a product price through the unique code, thereby generating a seller TID; The seller terminal registers the seller transaction information and the seller account information in the seller payment institution, the transaction registration step (S20) to return the seller BTID from the seller payment institution; The seller terminal transmits the purchase information and seller transaction information to the buyer terminal payment request step of making a payment request to the buyer terminal (S30); The purchaser terminal is a payment approval step (S40) for approving the payment after confirming that the buyer is the user through the authentication means of the buyer; The purchaser terminal transmits the purchaser transaction information, the seller transaction information, the seller account information, and the buyer account information encrypted with the buyer bank public key to make a payment request to the buyer payment institution (S50); The purchaser payment institution withdraws funds from the buyer's account and transfers the funds to the seller bank ID to transfer the seller BTID, the seller transaction information, to the seller payment institution to transfer the amount to the seller payment institution (S60); The seller payment institution is a payment processing step of depositing funds in the account of the seller (S70); The payment result of the payment is sent to the buyer terminal, the buyer payment institution with the buyer TID to the buyer terminal, and the seller payment institution transmits the payment result to the seller TID and the seller terminal through the seller terminal ID. Payment method in a ubiquitous environment, characterized in that to perform the payment result step (S80). In the product payment method under the ubiquitous environment, A seller information input step (S10) of recognizing an RFID tag as the RFID reader and receiving product information including a product price through the unique code to generate a seller TID; A payment request step (S20) in which the purchase information, the seller transaction information, and the seller account information encrypted with the seller bank public key are transmitted from the seller terminal to the buyer terminal; The purchaser terminal is a payment approval step (S30) for approving the payment after the identity verification through their authentication means; A payment request step (S40) in which the buyer terminal transmits the buyer transaction information, the seller transaction information, the seller account information received, and the buyer account information encrypted with the buyer bank public key to the buyer payment institution; ; A remittance step (S50) of transmitting the seller transaction information and the seller account information to the seller settlement institution such that the buyer settlement institution withdraws funds from the buyer account and transfers the funds to the seller bank ID; A payment result step 60 of transmitting the purchaser terminal ID together with the purchaser TID and transmitting the purchaser terminal ID together with the seller TID to notify the payment result; A payment processing step 70 in which funds are deposited in the seller account; The payment method in the ubiquitous environment, characterized in that the seller terminal performs a payment result checking step (80) to check the payment result by sending the seller TID to the seller payment institution.

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