KR20090000060A - System and method for providing customized poi infomation service based on nfc - Google Patents

Abstract

A system and a method for providing a customized POI information service based on NFC are provided for each NFC terminal to receive location information with payment breakdown from a payment machine in payment using a card emulation function, thereby storing and administering the location and payment history information of the each NFC terminal in a separate object history server. A payment machine(10) performs payment processing through NFC(Near Field Communication) communication and transmits the payment history with its own location information. A NFC terminal(20) performs payment processing with the payment machine and receives current location information with the payment history from the payment machine, transmits the location information and the payment history with terminal identification information, and displays a customized POI(Point Of Interest) menu on a terminal screen. An object information server(60) stores and administers the location information and payment history of each NFC terminal. An object history server(70) stores and administers the location history information and payment history information of the each NFC terminal. An object search server(50) searches and delivers the URL(Uniform Resource Locator) address of the object information server and the object history server. A broker(30) stores the location information and the payment history from the NFC terminal with the terminal identification information in the object information server, delivers the location history information and payment history information of the NFC terminal, in which the customized POI information service is activated, through the reference of the object history server, receives the customized POI menu information, and transmits the customized POI menu information to the NFC terminal.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a system and a method for providing customized PIO eye information service based on ENF,

1 is a diagram showing a detailed structure of a general NFC terminal;

2 is a block diagram illustrating a system for providing a customized POI information service based on NFC according to the present invention;

FIG. 3 is a view showing the internal structure of the NFC terminal in FIG. 2; FIG.

4 is a flowchart illustrating an exemplary method of providing a customized POI information service based on NFC according to the present invention.

Description of the Related Art [0002]

10: Payment machine 20: NFC terminal

30: Broker 40: LBSP server

50: object search server 60: object information server

70: Object history server

The present invention relates to a point-of-interest (POI) information service. More particularly, the present invention relates to a POI (Point of Interest) information service, The present invention relates to a system and method for providing a customized POI information service based on NFC, which can provide a customized POI information service by predicting a user behavior pattern by using location and settlement history information of individual NFC terminals.

In general, NFC (Near Field Communication) is one of RFID (Radio Frequency Identification) technology, and a mobile communication terminal such as a mobile phone, a PCS terminal, a PDA terminal and a notebook computer uses a frequency of 13.56 MHz, Non-contact, short-range wireless communications that can transmit data at low power (424 kbps) at a distance.

The mobile communication terminal, that is, the NFC terminal equipped with the NFC function, greatly supports the peer to peer communication function, the RFID reading function, and the card emulation function. Among these, (NFC) protocol stack, as in the NFC terminal structure shown in FIG. 1, to form a data format based on the NDEF (NFC Data Exchange Format) protocol stack, It is possible to transmit data through a generic I / O.

However, the card emulation function in the conventional NFC terminal is an option, and a detailed specification thereof has not been established yet.

Meanwhile, as a method of tracking a location of a mobile communication terminal, a GPS (Global Positioning System) receiver is installed in a terminal to track a location of a user, and a location of a base station or a cell of a base station In the case of the NFC terminal, the location of the terminal is tracked by the above-described location tracking method, but the location tracking function using the NFC function is not provided.

Therefore, in the conventional NFC terminal, only additional services such as route finding, friend finding, meeting / chat, and emergency service are provided using only the location information tracked on the basis of GPS or mobile communication network, That is, the terminal does not recognize the detailed behavior pattern of the terminal user, and thus can not provide the supplementary service according to the detailed behavior pattern of the terminal user.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide an NFC terminal which receives location information from a settlement time payment processor using a card emulation function, To be stored and managed in a separate object history server.

It is another object of the present invention to provide a method and system for managing a location history and settlement history information of an NFC terminal by storing and managing the location history and settlement history information of an NFC terminal in an object history server to predict future user behavior patterns using the location and settlement history information, And to provide it to the NFC terminal.

According to an aspect of the present invention, there is provided a billing system comprising: a settlement unit for performing settlement processing through NFC communication and transmitting settlement details together with location information of the settlement entity; A card emulation function based on NFC is performed to perform settlement processing with the settlement unit, receives the current position information together with payment details from the settlement unit, transmits the position information and payment details transmitted from the settlement unit together with the terminal identification information An NFC terminal for receiving a customized POI menu and displaying it on a terminal screen; An object information server for storing and managing location information and payment details for each NFC terminal; An object history server for receiving location information and payment history of each NFC terminal from the object information server and storing and managing location history information and settlement history information for each NFC terminal based on each NFC terminal identification information; An object retrieval server for retrieving and delivering the URL address of the object information server / object history server in which the position and settlement related information of each NFC terminal is stored; Wherein the NFC server obtains the URL address of the object information server / object history server through the object search server and performs information storage for the object information server or information about the object history server, And stores it in the object information server together with the terminal identification information. The location history information and the settlement history information about the NFC terminal in which the customized POI information service is active are acquired and transmitted through the inquiry of the object history server, A broker which receives POI menu information and transmits the POI menu information to the NFC terminal; By analyzing the behavior pattern of the terminal user using the location history information and the settlement history information of the NFC terminal received from the broker and adjusting the POI information category suitable for the terminal user by predicting the behavior pattern thereafter, And an LBSP server for delivering the information to the broker.

Here, the location information of the settlement unit may be location information previously registered at the time of installing the settlement unit when the settlement unit is fixed, and current location information acquired based on the GPS when the settlement unit has mobility .

The NFC terminal transmits the active / inactive status information of the customized POI information service determined by the option of the terminal user to the broker.

The NFC terminal may include an LBS application for transmitting location information and payment details to the broker together with the terminal identification information, and displaying a customized POI menu transmitted from the broker on a terminal screen; A card emulation protocol stack for performing a payment process with the settlement device and receiving location information and payment details from the settlement device; An encryption stack for performing encryption processing on location information and payment details transmitted from the settlement device through the card emulation protocol stack; An NDEF protocol stack for mapping the location information and the LBS application information linked through the encryption stack to the LBS application information, formatting the header into an NDEF format, and delivering the header to the WIPI generic input / output terminal; And an NFC manager that extracts a data area (location information and payment details) from the NDEF packet transmitted from the NDEF protocol stack using an NDEF parser, and then transmits the extracted location information and payment details by calling the LBS application .

Further, the NFC terminal in which the customized POI information service is active may be an NFC terminal that is reported that the customized POI information service is determined to be active (switched), or the NFC terminal in which the current position information and the payment history storing event are generated And the personalized POI service is an active NFC terminal.

Meanwhile, if there is a server URL address request for storing and inquiring the location and settlement related information for a specific NFC terminal from the broker, the object search server uses the terminal identification information delivered at the request of the corresponding server URL address, The URL address of the object information server / object history server storing the location of the NFC terminal and the payment related information is retrieved and transmitted to the broker.

The LBSP server, in constructing the customized POI menu information, checks the final position (current position) of the terminal user from the location history information for the NFC terminal, And configures the customized POI menu information by adjusting the POI information category necessary for the terminal user based on the surrounding terrain / feature information.

In another aspect of the present invention, there is provided an information processing method for executing a card emulation function of an NFC terminal and performing NFC communication with a resolver, thereby performing settlement processing for a specific service or a purchase of goods and receiving location information and payment details from the settlement device and; Transmitting the location information and payment details received from the settlement unit to the broker together with the terminal identification information; The broker requests the URL address of the object information server to the object search server and then transmits the location information and the payment details received from the NFC terminal to the corresponding object information server using the URL address information of the object information server, Storing the terminal identification information together with the terminal identification information; Storing location history information and settlement history information for each NFC terminal in the object history server by transmitting the location information and payment history of the NFC terminal to the object history server and storing the location history information and the settlement history information; When the NFC terminal in which the location information and payment history storing event is generated is an NFC terminal in which the customized POI service is active, the broker connects to the object history server, and the location history information and the settlement history information To the LBSP server; When the location history information and the settlement history information for the NFC terminal for a predetermined period are transmitted from the broker, the behavior pattern of the NFC terminal user is predicted using the location history information and the settlement history information received by the LBSP server, Configuring menu information and delivering the menu information to the broker; And transmitting customized POI menu information received from the LBSP server in the broker to the NFC terminal to provide a customized POI information service to the terminal user.

The customized POI information service providing method based on ENF is a method for providing customized POI information service from an NFC terminal in a state where location history information and settlement history information for each NFC terminal are stored in the object history server The broker requests a URL address of an object history server to an object search server to inquire history information about the NFC terminal; Acquiring location history information and settlement history information for a predetermined period of time for the NFC terminal after accessing a corresponding object history server using the URL address information of the object history server delivered as a result of the request, and transmitting the acquired location history information and settlement history information to the LBSP server Further comprising:

The process of transmitting the location information and the payment history to the broker together with the terminal identification information includes receiving location information and payment details from the settlement device through the NFC driver of the NFC terminal, To a protocol stack; Mapping the LBS application information linked with the encrypted location information and the payment history to form a header, formatting the packet into an NDEF format packet, and delivering it to the NFC manager; Extracting location information and settlement history from the data area of the NDEF packet using the NDEF parser, then invoking the LBS application and transmitting the extracted location information and payment history; And transmitting the location information and the payment details to the broker together with the terminal identification information through the LBS application.

In addition, the step of delivering the customized POI menu information to the broker may include analyzing a behavior pattern of the terminal user using the location history information and the settlement history information for a predetermined period for the NFC terminal; Confirming a final position (current position) of the terminal user from the location history information on the NFC terminal after predicting a subsequent behavior pattern based on the analysis result; Adjusting the POI information category required for the terminal user based on the surrounding terrain / ground information centered around the current position in accordance with the predicted behavior pattern, configuring the customized POI menu information, and transmitting the customized POI menu information to the broker .

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

In the present invention, a detailed behavior pattern of a terminal user is analyzed using terminal location information and payment history information based on a card emulation function of an NFC terminal, and a future behavior pattern is predicted based thereon, ) Information service. The overall system configuration for this is shown in FIG. 2 attached hereto.

2, the NFC-based customized POI information service providing system according to the present invention includes a settlement unit 10, an NFC terminal 20, a broker 30, an LBSP (Location -Based Service Platform) server 40, an object directory server 50, an object information server 60 and an object traceability server 70 .

The settlement unit 10 performs settlement processing through NFC communication with the NFC terminal 20 and transmits the payment details to the NFC terminal 20 together with its own location information (up / down information). At this time, if the settlement apparatus 10 is fixed, the location information previously registered at the time of installation of the settlement apparatus 10 is transmitted. If the settlement apparatus 10 has mobility, current position information acquired based on the GPS is transmitted.

The NFC terminal 20 basically provides an NFC function (end-to-end communication function, RF reading function, card emulation function) together with a normal function (voice call, message transmission / reception, Based card emulation function to perform settlement processing with the settlement device 10 and to receive current position information (up / down information) together with settlement details from the settlement device 10, And transmits the received location information and payment details to the broker 30 together with identification information (e.g., MIN information, ESN information, IMSI information, etc.) of the terminal itself.

In addition, the NFC terminal 20 transmits the active / inactive status information of the customized POI information service determined by the option of the user to the broker 30, displays the customized POI menu transmitted from the broker 30 on the terminal screen Thereby providing a customized POI information service to the terminal user.

As shown in FIG. 3, when the NDEF protocol stack is compared with the internal structure of the general NFC terminal shown in FIG. 1, the internal structure of the NFC terminal 20 includes a card emulation protocol stack area , And the encryption stack is added between the NDEF protocol stack and the card emulation protocol stack. The card emulation protocol stack performs settlement processing by performing NFC communication with a settlement apparatus through an NFC driver, and receives location information and payment details from the settlement apparatus. In the card emulation protocol stack in the card emulation protocol stack, in performing the settlement processing with the settlement unit 10 through the NFC driver, the encryption stack performs the encryption processing for the data part, that is, the location information received from the settlement unit 10 and the payment details Therefore, it may be implemented to encrypt only the settlement history), and transmits it to the NDEF protocol stack. The NDEF protocol stack forms a header by mapping an LBS application to an application capable of linking with location information and settlement history transmitted from a card emulation protocol stack through a cryptographic stack, and performing formatting in an NDEF form to generate a WIPI generic It passes to the NFC manager through the input / output stage. The NFC manager extracts the data area (location information and payment history) from the NDEF packet transmitted from the NDEF protocol stack using the NDEF parser, and then transmits the extracted location information and payment history by calling the LBS application. The LBS application transmits the location information and payment history to the broker 30 together with the terminal identification information, and displays the customized POI menu transmitted from the broker 30 on the terminal screen. Then, the NFC driver serves to drive an NFC chip (not shown in the figure), and the device discovery protocol stack grasps the presence of an NFC device in the vicinity and establishes a communication session for the first time. The LLCP (Logical Link Control Protocol) protocol provides a reliable two-way data link with the upper layer for end-to-end communication. The Tag Mapping protocol stack provides a method for reading NDEF data from or writing to a smart card. And the NDEF protocol stack provides a data format for exchanging information between NFC devices or tags in addition to the functions described above.

The broker 30 obtains the URL address of the object information server 60 and the object history server 70 through the object search server 50 and stores the information about the object information server 60 or the object history server 70 The location information and settlement history received from each NFC terminal 20 are stored in the object information server 60 together with the terminal identification information, and the customized POI information service is stored in the NFC The location history information and the settlement history information for the terminal 20 for a certain period of time are obtained through inquiry by the object history server 70 and transferred to the LBSP server 40. The customized POI menu 40 received from the LBSP server 40 And transmits the information to the corresponding NFC terminal 20. Also, the broker 30 stores and manages information on whether or not the personalized POI service of each NFC terminal 20 is activated. Here, the NFC terminal 20 in which the customized POI information service is active refers to the NFC terminal 20 in which it is determined that the customized POI information service is determined to be active (switched) or the NFC terminal 20 in which the current location information and the payment history storing event are generated Which means that the personalized POI service is active in the NFC terminal 20.

The LBSP server 40 analyzes the detailed behavior pattern of the terminal user using the location history information and the settlement history information of the NFC terminal 20 for a predetermined period transmitted from the broker 30, After the behavior pattern is predicted, the customized POI menu information is configured and transmitted to the broker 30 by adjusting the POI information category determined to be necessary for the terminal user. At this time, the LBSP server 40 confirms the final location (current location) of the terminal user from the location history information of the NFC terminal 20, and determines whether the surrounding terrain / Based POI information category that is determined to be necessary by the terminal user based on the information (building name, road name, river name, area name, lot number, etc.) of the user terminal.

The object retrieval server 50 retrieves the URL address of the object information server 60 and the object history server 70 in which the position of each NFC terminal 20 and payment related information are stored and transmits the retrieved URL address to the broker 30 When there is a server URL address request for storing and inquiring the location and settlement related information of the specific NFC terminal 20 from the broker 30, the corresponding NFC The URL of the object information server 60 or the object history server 70 in which the location of the terminal 20 and payment related information are stored is retrieved and transmitted to the broker 30.

The object information server 60 stores and manages the location information and settlement history of each NFC terminal 20 received from the broker 30 and also stores location information of the NFC terminal 20 in the object history server 70, Send payment details.

The object history server 70 accumulates location information and settlement history of each NFC terminal 20 transmitted from the object information server 60 on the basis of the respective NFC terminal identification information, And stores and manages location history information and settlement history information.

The operation of the customized POI information service providing system based on such a configuration, that is, a method of providing a customized POI information service will be described in detail with reference to FIG.

First, a predetermined service or a commodity is purchased (for example, public transportation use, movie booking, purchase of goods, use of a restaurant, etc.) using the NFC terminal 20 and payment of the NFC terminal 20 The NFC terminal 20 enters the settlement mode by executing the card emulation function, and then performs NFC communication with the settlement apparatus 10 to perform settlement processing (step S41).

When the settlement process is completed, the settlement device 10 transmits the settlement information to the NFC terminal 20. At this time, the NFC terminal 20 transmits its position information (position / length information To the NFC terminal 20 together with the payment information. Here, the location information of the settlement unit 10 means current location information acquired based on GPS when the settlement unit 10 is installed on a bus or the like and has mobility, and when the settlement unit 10 is located at a subway station, And when it is fixedly installed, it means location information registered at the time of settlement.

When the location information and payment details are received from the settlement unit 10, the NFC terminal 20 transmits the location information and the payment details to the broker 30 together with the terminal identification information. At this time, the NFC terminal 20 Receives the location information and payment history from the settlement device 10 through the NFC driver, and then performs encryption processing on the location information and payment history through the encryption stack. Formatted. That is, the NDEF protocol stack forms a header by mapping an LBS application to an application capable of linking with location information and settlement history transmitted from a card emulation protocol stack through a cryptographic stack, and formatting the packet in an NDEF format . When the NDEF packet thus configured, that is, the location information received from the settlement unit 10 and the payment details, delivers the NDEF packet included in the data area to the NFC manager through the WIPI generic input / output terminal, the NFC manager transmits the NDEF parser The location information and the settlement history are extracted from the data area of the NDEF packet, and then the LBS application is called to transmit the extracted location information and settlement history, thereby obtaining the location information and payment history through the LBS application of the NFC terminal 20, To the broker 30 (step S42).

When the broker 30 receives the terminal identification information together with the location information and payment details from the NFC terminal 20, the broker 30 sends the URL address of the object information server 60 to the object search server 50 After accessing the object information server 60 using the URL address information of the object information server 60 as a result of the request, the location information and payment history received from the NFC terminal 20 are transmitted to the corresponding object information server 60, And stores it in the object information server 60 (step S43).

When the location information and settlement history of the NFC terminal 20 are stored from the broker 30 to the object information server 60, the object information server 60 stores the location information and payment history of the NFC terminal 20 in the object history server 70, So that the object history server 70 also stores the location information and the settlement history of the NFC terminal 20. At this time, the object history server 70 accumulates location information and payment details of the NFC terminal 20 transmitted from the object information server 60 on the basis of the respective NFC terminal identification information, And stores the history history information and the settlement history information with respect to the user (Step S44).

Meanwhile, the broker 30 stores the location information and payment details received from the NFC terminal 20 in the object information server 60 together with the terminal identification information, and then transmits the location information and payment details to the NFC terminals 20 ) To check whether the NFC terminal 20 in which the current location information and the payment history storing event are generated is the NFC terminal 20 in which the customized POI service is active (Step S45 ).

At this time, when it is determined that the NFC terminal 20 in which the current location information and the payment history storing event are generated is the NFC terminal 20 in which the customized POI service is inactive, the history information about the NFC terminal 20 is not inquired And the corresponding location information and settlement history storing process is terminated.

However, when it is confirmed that the NFC terminal 20 in which the current location information and payment history storing event is generated is the NFC terminal 20 in which the customized POI service is active, the broker 30 transmits the NFC terminal 20, The object search server 50 provides the customized POI information service to the NFC terminal 20 in which the storage event has occurred. In order to inquire the history information about the NFC terminal 20, And then accesses the corresponding object history server 70 using the URL address information of the object history server 70 which is transmitted as a result of the URL address information. Then, the NFC terminal 20, And transmits the location history information and the settlement history information to the LBSP server 40 (step S46).

The LBSP server 40 then uses the location history information and settlement history information of the NFC terminal 20 received from the broker 30 for a certain period of time to determine the location of the NFC terminal 20 The detailed behavior pattern of the terminal user is analyzed by confirming the history of the payment of the amount of money, and after the behavior pattern is predicted based on the analysis result, the POI information category determined to be necessary for the terminal user is adjusted to the upper level (Current location) of the terminal user from the location history information of the corresponding NFC terminal 20, and then, based on the predicted behavior pattern, POI information that is determined to be necessary for the terminal user based on the terrain / property (building name, road name, river name, area name, lot number, etc.) The category is adjusted upward to configure the customized POI menu information (step S47).

The LBSP server 40 then transmits the customized POI menu information based on the location history information and the settlement history information to the NFC terminal 20 to the broker 30. The broker 30 transmits the customized POI menu information to the LBSP server 40, To the corresponding NFC terminal 20, thereby providing a series of customized POI information services to the NFC terminal user (step S48).

In the present invention, when the customized POI information service is determined to be in an active state according to the option of the terminal user at a certain point in time while the customized POI information service is maintained in the inactive state, the customized POI information It reports that the customized POI service is determined to be in an active state by transmitting the active state information of the service to the broker 30 together with its own terminal identification information.

The broker 30 provides the customized POI information service to the NFC terminal 20 when it is reported from the NFC terminal 20 that the customized POI service is determined to be in the active state. As described above. That is, the broker 30 transmits the URL of the object history server 70 to the object search server 50 in order to inquire the history information about the NFC terminal 20 in which it is reported that the customized POI service is determined to be active The personalized POI service is determined to be active from the corresponding object history server 70 using the URL address information of the received object history server 70 And transmits the location history information and the settlement history information to the LBSP server 40 for a predetermined period of time.

Thereafter, the LBSP server 40 analyzes the detailed behavior pattern of the terminal user using the location history information and the payment history information of the NFC terminal 20 received from the broker 30 for a predetermined period, The broker 30 transmits the customized POI menu information to the corresponding NFC terminal 20. The broker 30 then transmits the customized POI menu information to the corresponding NFC terminal 20 so that the NFC The terminal user is provided with a series of customized POI information services.

For example, a description of the customized POI information service when it is assumed that the location history information and the settlement history information for the NFC terminal 20 using '011-123-4567' as the terminal identification information are as shown in Table 1 below Then,

Terminal identification information Location history information Payment history information Payment date Merchant number ... Amount of payment   011-123-4567 ... ... ... ... ... Latitude: 37 ° 30'31.4 "Longitude: 127 ° 3'46.28" 06/09/01 15:30:00 1 2 3 4 5 ... ₩ 900 Latitude: 37 ° 30'38.62 "Hardness: 127 ° 33'94" 06/09/01 15:50:00 23456 ... ₩ 16000 Latitude: 37 ° 30'37.87 "Hardness: 127 ° 3'36.4" 06/09/01 18:20:00 34567 ... ₩ 20000 ... ... ... ... ...

By using the location history information and the settlement history information of the NFC terminal 20 (011-123-4567) for a certain period, the user can check the history of where the user paid for the service or the goods After the terminal user gets off the subway line no. 2 at 3:30 pm at the Samsung station (Merchant number 12345, latitude: 37 ° 30'31.4 ", longitude: 127 ° 3'46.28"), At 3:50 pm, the movie was reserved (payment amount ₩ 16000) at the movie theater (merchant number 23456, latitude: 37 ° 30'38.62 ", longitude: 127 ° 33'94") and at 6:20 pm, Will be able to analyze a series of detailed behavioral patterns in the purchase of accessories (payment amount \ 20000) from the fancy point (merchant number 34567, latitude 37 ° 30'37.87 ", longitude 127 ° 3'36.4").

When the LBSP server 40 is based on the above-described analysis result, the terminal user can predict the behavior pattern that the user is going to have dinner later. In addition, considering that the terminal user has purchased the accessory at the fancy point, Layer so that the user of the younger party can customize the POI menu information by adjusting the POI information category for the pizzas or restaurants where the user can eat dinner to the top of the POI menu And transmits customized POI menu information thus configured to the LBS application of the NFC terminal 20 through the broker 30, thereby providing a customized POI information service to the terminal user.

Further, the embodiment according to the present invention is not limited to the above-described embodiment, and various alternatives, modifications and changes may be made within the scope of the present invention to those skilled in the art.

As described above, according to the present invention, each NFC terminal receives location information and payment details from a settlement device at the time of settlement using a card emulation function, and stores the history information in the object history server, thereby using the location and settlement history information of the NFC terminal In addition, a customized POI menu can be constructed according to the predicted user behavior pattern and provided to the NFC terminal, thereby providing a customized POI information service to the terminal user.

Claims (11)

A settlement unit for performing a settlement process through NFC communication and transmitting the settlement record with its own location information; A card emulation function based on NFC is performed to perform settlement processing with the settlement unit, receives the current position information together with payment details from the settlement unit, transmits the position information and payment details transmitted from the settlement unit together with the terminal identification information An NFC terminal for receiving a customized POI menu and displaying it on a terminal screen; An object information server for storing and managing location information and payment details for each NFC terminal; An object history server for receiving location information and payment history of each NFC terminal from the object information server and storing and managing location history information and settlement history information for each NFC terminal based on each NFC terminal identification information; An object retrieval server for retrieving and delivering the URL address of the object information server / object history server in which the position and settlement related information of each NFC terminal is stored; Wherein the NFC server obtains the URL address of the object information server / object history server through the object search server and performs information storage for the object information server or information about the object history server, And stores it in the object information server together with the terminal identification information. The location history information and the settlement history information about the NFC terminal in which the customized POI information service is active are acquired and transmitted through the inquiry of the object history server, A broker which receives POI menu information and transmits the POI menu information to the NFC terminal; By analyzing the behavior pattern of the terminal user using the location history information and the settlement history information of the NFC terminal received from the broker and adjusting the POI information category suitable for the terminal user by predicting the behavior pattern thereafter, And an LBSP server configured to transmit the personalized information to the broker. The method according to claim 1, Wherein the location information of the settlement unit is location information previously registered at the time of installing the settlement unit when the settlement unit is fixed and is current position information acquired based on GPS when the settlement unit has mobility, Based personalized information service system. The method according to claim 1, Wherein the NFC terminal transmits the active / inactive state information of the customized POI information service determined by the option of the terminal user to the broker. The method according to claim 1, The NFC terminal includes an LBS application for transmitting location information and payment details to a broker together with terminal identification information, and displaying a customized POI menu transmitted from the broker on a terminal screen; A card emulation protocol stack for performing a payment process with the settlement device and receiving location information and payment details from the settlement device; An encryption stack for performing encryption processing on location information and payment details transmitted from the settlement device through the card emulation protocol stack; An NDEF protocol stack for mapping the location information and the LBS application information linked through the encryption stack to the LBS application information to form a header, formatting the header in the NDEF format, and delivering it through the WIPI generic input / output terminal; And an NFC manager that extracts a data area (location information and payment details) from the NDEF packet transmitted from the NDEF protocol stack using an NDEF parser, and then transmits the extracted location information and payment details by calling the LBS application It is a feature-based NF-based customized PIO i information service providing system. The method according to claim 1, The NFC terminal in which the customized POI information service is active may be an NFC terminal that is reported that the customized POI information service is determined to be in an active state or a customized POI And the service is an active NFC terminal. The method according to claim 1, If there is a server URL address request for storing and inquiring the location and settlement related information for a specific NFC terminal from the broker, the object search server uses the terminal identification information delivered when the corresponding server URL address is requested, Retrieves the URL address of the object information server / object history server storing the location of the object information and payment related information, and delivers the URL address to the broker. The method according to claim 1, The LBSP server, in constructing the customized POI menu information, checks the final position (current position) of the terminal user from the location history information of the NFC terminal, Wherein the personalized POI menu information is configured by adjusting the POI information category necessary for the terminal user based on the terrain / feature information, and configuring the customized POI menu information. Executing a card emulation function of the NFC terminal to perform NFC communication with the settlement unit to perform settlement processing for a specific service or a purchase of goods and receiving location information and payment details from the settlement unit; Transmitting the location information and payment details received from the settlement unit to the broker together with the terminal identification information; The broker requests the URL address of the object information server to the object search server and then transmits the location information and the payment details received from the NFC terminal to the corresponding object information server using the URL address information of the object information server, Storing the terminal identification information together with the terminal identification information; Storing location history information and settlement history information for each NFC terminal in the object history server by transmitting the location information and payment history of the NFC terminal to the object history server and storing the location history information and the settlement history information; If the NFC terminal in which the location information and payment history storing event is generated is an NFC terminal in which the customized POI service is active, the broker is connected to the object history server, and the location history information and the settlement history information To the LBSP server; When the location history information and the settlement history information for the NFC terminal for a predetermined period are transmitted from the broker, the behavior pattern of the NFC terminal user is predicted using the location history information and the settlement history information received by the LBSP server, Configuring menu information and delivering the menu information to the broker; And transmitting customized POI menu information received from the LBSP server in the broker to the NFC terminal to provide a customized POI information service to the terminal user. 9. The method of claim 8, When it is reported from the NFC terminal that the customized POI information service is determined to be in an active state in a state where the location history information and settlement history information for each NFC terminal are stored in the object history server, Requesting a URL address of an object history server to an object search server for information inquiry; Acquiring location history information and settlement history information for a predetermined period of time for the NFC terminal after accessing a corresponding object history server using the URL address information of the object history server delivered as a result of the request, and transmitting the acquired location history information and settlement history information to the LBSP server Further comprising the steps of: (a) providing a personalized information service based on an ENF. 9. The method of claim 8, The process of transmitting the location information and the payment history to the broker together with the terminal identification information includes receiving location information and payment details from the settlement device through the NFC driver of the NFC terminal, ; Mapping the LBS application information linked with the encrypted location information and the payment history to form a header, formatting the packet into an NDEF format packet, and delivering it to the NFC manager; Extracting location information and settlement history from the data area of the NDEF packet using the NDEF parser, then invoking the LBS application and transmitting the extracted location information and payment history; And transmitting the location information and payment history to the broker together with the terminal identification information through the LBS application. 9. The method of claim 8, The step of delivering the customized POI menu information to the broker includes analyzing a behavior pattern of the terminal user using the location history information and the settlement history information for a predetermined period for the NFC terminal; Confirming a final position (current position) of the terminal user from the location history information on the NFC terminal after predicting a subsequent behavior pattern based on the analysis result; Adjusting the POI information category required for the terminal user based on the surrounding terrain / ground information centered around the current position in accordance with the predicted behavior pattern, configuring the customized POI menu information, and transmitting the customized POI menu information to the broker Wherein the method comprises the steps of:

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