KR20090030060A - Method and system for ubiquitous payment - Google Patents

Method and system for ubiquitous payment Download PDF

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Publication number
KR20090030060A
KR20090030060A KR1020070095372A KR20070095372A KR20090030060A KR 20090030060 A KR20090030060 A KR 20090030060A KR 1020070095372 A KR1020070095372 A KR 1020070095372A KR 20070095372 A KR20070095372 A KR 20070095372A KR 20090030060 A KR20090030060 A KR 20090030060A
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KR
South Korea
Prior art keywords
user
data processing
payment
processing apparatus
information
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KR1020070095372A
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Korean (ko)
Inventor
이경전
오재섭
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경희대학교 산학협력단
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Priority to KR1020070095372A priority Critical patent/KR20090030060A/en
Publication of KR20090030060A publication Critical patent/KR20090030060A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A ubiquitous payment method and system thereof are disclosed. The ubiquitous payment method includes the steps of a data processing device recognizing a connection of an identification device, the data processing device recognizing identification information of a user from the authentication device, and the data processing device of a user from a server. Receiving payment information corresponding to the identification information.

Description

Ubiquitous payment method and system {Method and system for ubiquitous payment}

The present invention relates to a method of paying various costs, and more particularly, to a method and a system in which a user can conveniently pay a utility bill, a tax, or various bills anytime, anywhere.

People receive a variety of goods or services from various countries or private companies. In exchange for these goods or services, the user pays a fee.

In the conventional method of payment, when a person providing a product or service sends various types of billing media (eg, paper or online bill) to the user, the user pays the billing medium (for example, paper or online bill). Based on), the relevant service provider is paid online or through a bank.

However, the problem with this method is as follows.

Since users use a myriad of goods or services, there are many kinds of things to pay through the billing medium (for example, taxes, utilities, or credit card bills). Therefore, it is difficult for a user to know exactly how many payments he has to pay and what exactly are. Thus, it is difficult for a user to know what payment he has completed and what payments are overdue.

In addition, it is expensive to create the conventional billing medium itself. For example, in the case of giro paper, unnecessary costs are incurred because the user is only used to pay and then stored or disposed of.

In addition, from the user's point of view, there is a limitation of the payment method or time. For example, in the case of paying a fee using a conventional paper, the user needs to pick up the paper and pay it to a cost storage institution (eg, a bank, a post office, etc.). Of course, in order to solve this inconvenience, there is an automatic payment system, but the user is cumbersome to freely decide or change the time and expense payment account, etc. that he or she wants to pay, and thus the user's autonomy regarding payment is limited. . In addition, even when paying using the Internet, it is inconvenient because the payment can be made only when the place and equipment on which the Internet infrastructure (infra) is built.

In addition, the billing medium may contain important personal information (eg, social security number, address, or account number, etc.), and there is room for serious privacy infringement of the sacred moon or loss of the billing medium.

As a result, users can check the information on what they need to pay anytime, anywhere, and make it easy to pay according to the result, thereby reducing the cost of creating the billing medium and maximizing user convenience. Methods and systems are desperately needed.

Therefore, the technical problem to be achieved by the present invention is to provide a method and system that can reduce the time and space constraints on the user paying by allowing the user to check the information on what to pay for anytime, anywhere It is.

It is also an object of the present invention to provide a method and system for reducing the cost of creating a separate billing medium.

It is also an object of the present invention to provide a method and system for reducing the exposure of important information of an individual who can be included in a billing medium.

The ubiquitous payment method for achieving the technical problem comprises the steps of the data processing device recognizes the connection of the identification device (identification), the data processing device recognizes the identification information of the user from the authentication device, and the data processing device Receiving payment information corresponding to the identification information of the user from a server.

The information of the user may include at least one of a unique number of the authentication device or an identification number of the user stored in a storage device included in the authentication device.

The payment information may include at least one of tax, utility bill, or financial institution payment information imposed on the user.

The ubiquitous payment method may further include outputting, by the data processing apparatus, payment information input from the user to the server based on the payment information.

The data processing apparatus may include at least one of a mobile device or a computer.

The authentication device may include at least one of a Near Field Communication (NFC) communication device, a magnetic card, a magnetic IC mixed card, and an RFID TAG attached card.

The ubiquitous payment method for solving the technical problem may include a step of activating a payment program by a data processing device and receiving payment information corresponding to the user from a server when the data processing device receives user identification information. Can be. The ubiquitous payment method may be stored in a computer readable recording medium recording a program.

The ubiquitous payment system for solving the technical problem outputs an authentication device for identifying a user, a data processing device for recognizing a connection of the identification device, and payment information of the user to the data processing device. And a server, wherein when the data processing apparatus recognizes user information from the authentication apparatus, the data processing apparatus receives payment information corresponding to the user information from the server.

The data processing apparatus may further output payment information input from the user to the server based on the payment information.

The user ubiquitous payment method and system according to an embodiment of the present invention enables the user to check the information about what he or she should pay anytime, anywhere, thereby reducing time and space constraints on the user's payment. It works.

In addition, since the user can easily manage his or her cost payment, there is an effect that can reduce the penalty (for example, decrease in interest or credit rating, etc.) due to the delinquency of the payment.

In addition, there is an effect that can reduce the cost of creating a separate billing medium for the billing operators.

In addition, there is an effect that can reduce the exposure of important information of the individual that can be included in the billing medium.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

In addition, in the present specification, when any one component 'transmits' data to another component, the component may directly transmit the data to the other component, or at least one other component. This means that the data can be transmitted to the other component through.

On the contrary, when one component 'directly transmits' data to another component, it means that the data is transmitted from the component to the other component without passing through the other component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

1 shows a schematic configuration and data flow of a ubiquitous payment system according to an embodiment of the present invention.

Referring to FIG. 1, the ubiquitous payment system 1 according to an embodiment of the present invention may include a data processing apparatus 100, an authentication apparatus 200, and a server 300.

The data processing device 100 may include any device having data processing capability and capable of communicating with the authentication device 200 and the server 300.

For example, the data processing apparatus 100 may be a computer. However, in the ubiquitous payment system 1 according to the embodiment of the present invention, the user is easy to carry, so that anytime, anywhere can check his or her cost payment, and based on this, the mobile device ( For example, a mobile phone, a personal digital assistant (PDA), a hand-held PC, a portable multimedia player (PMP), a digital camera or a convergence device of at least one thereof will be described as an example. However, the scope of the present invention is not limited thereto.

The authentication apparatus 200 may mean all smart cards, wireless communication devices, PDAs, RFID tags, or conventional magnetic cards (eg, credit cards, etc.) including user information. In addition, the authentication device 200 may be a ubiquitous ID card separately manufactured to perform the ubiquitous payment method according to an embodiment of the present invention. The ubiquitous ID card stores the identification information of the user, and can perform NFC (Near Field Communication) with the data processing device 100, so that anytime, anywhere in the ubiquitous environment used to recognize, identify, track management It may mean a card that is offered.

Therefore, the connection method between the authentication device 200 and the data processing device 100 may vary according to the type of the authentication device 200.

For example, when the authentication apparatus 200 includes an RFID tag, the data processing apparatus 100 includes an RFID reader module so that the authentication apparatus 200 and the data processing apparatus 100 are connected to each other by RFID communication. Can be.

In addition, the authentication device 200 may be a NFC (Near Field Communication) communication device. Then, the data processing device 100 may also be an NFC communication device, and the authentication device 200 and the data processing device 100 may be connected to each other by NFC communication.

NFC communication is a proximity wireless communication technology, and means a technology that can communicate between devices at a distance of about 20cm. The NFC communication is possible by using magnetic field induction, and mainly uses a radio frequency (RF) band of 13.56 MHz, and recently, a communication speed of 424kbits / s may be achieved.

NFC communication device refers to a device using such NFC communication technology, mainly can be used in three types. That is, the NFC communication device may be used in a card emulation mode such as a contactless card, a reader mode that may be used as a reader such as an RFID tag, or a P2P mode that enables communication between two or more NFC communication devices.

Detailed description of the NFC communication device is well known in the NFC forum, so the detailed description thereof will be omitted.

In addition, the authentication device 200 may be a magnetic card (for example, a credit card). Then, the data processing apparatus 100 may include a magnetic reader capable of reading user information stored in the magnetic card. In addition, the authentication device 200 may be a smart card. Then, the data processing device 100 may include the smart card reader. Of course, the authentication device 200 may be a magnetic IC chip mixed card.

As a result, the authentication apparatus 200 and the data processing apparatus 100 may vary according to an implementation example, the authentication apparatus 200 includes identification information of a user, and the data processing apparatus 100 may include the It includes all devices that can read the identification information of the user stored in the authentication device 200 through the communication with the authentication device 200.

The identification information of the user may include a unique number of the authentication device (eg, a serial number of an NFC communicator) or an identification number of the user stored in a storage device included in the authentication card (eg, a social security number, an account number, and a credit). Information including at least one of a card number, etc.), so long as the information can identify the user. Therefore, at least one of the data processing apparatus 100 or the server 300 should be able to identify the user based on the identification information of the user. For example, at least one of the data processing apparatus 100 or the server 300 may store user information corresponding to the identification information of the user.

Meanwhile, the data processing apparatus 100 may recognize the connection of the authentication apparatus 200 through various communication as described above (S100).

Then, the data processing apparatus 100 loads a program (hereinafter, 'payment program') stored in the data processing apparatus 100 or downloaded in real time in order to perform the ubiquitous payment method according to an exemplary embodiment of the present invention. (loading, activation) may be performed (S110). In addition, when the data processing apparatus 100 recognizes the connection of the authentication apparatus 200, the data processing apparatus 100 may automatically load the payment program without a separate procedure.

The loaded payment program may request payment information from the server 300 using a wired / wireless communication function of the data processing apparatus 100, and in response, the server 300 may request the data processing apparatus 100. In step S120, payment information of the user may be transmitted.

Here, the payment information may include information on payment of at least a portion of the user. For example, the payment information may include various information such as information on all the taxes to be paid by the user, information on utility bills, as well as information on credit card payments, or other financial expenses (eg, insurance or savings products). It may include information about financial institution payment information. Of course, the payment information may be searched for each period.

To this end, the server 300 may be previously received and stored in advance from the various taxation institutions, financial institutions, or the like, or may be connected to receive in real time. Alternatively, the server 300 may be a server directly operated by various taxation institutions or financial institutions.

That is, the user can check the payment costs to be paid by the user by simply contacting or contactlessly connecting the authentication device 200 to the data processing device (eg, mobile phone) 100.

Accordingly, the user may check his payment information with the data processing apparatus 100 and, if necessary, pay the provider or country directly using the data processing apparatus 100. To this end, the data processing apparatus 100 may receive payment information from the user based on the payment information. For example, information about an account number to be paid and / or a password may be input and a payment item may be selected. Of course, the payment information may vary according to implementation examples and payment methods.

Thereafter, the data processing apparatus 100 may transmit the payment information to the server 300 (S130). Of course, the data processing apparatus 100 may further transmit separate authentication information to the server 300 for user authentication.

In addition, according to an embodiment, when the data processing apparatus 100 receives the user identification information from the authentication apparatus 200, the data processing apparatus 100 identifies a user based on the user identification information, Information about the identified user (eg, social security number, name, and / or telephone number, etc.) may be transmitted to the server 300. Alternatively, the data processing apparatus 100 may transmit the received identification information of the user to the server 300, and the server 300 may identify the user based on the identification information of the user.

As a result, only at least one of the data processing apparatus 100 or the server 300 can identify the user based on the user identification information, and the server 300 receives the identified payment information of the user from the data. What is necessary is just to be able to transmit to the processing apparatus 100.

According to the ubiquitous payment method according to another embodiment of the present invention, the data processing apparatus 100 may activate a payment program separately without access to the authentication apparatus 200. For example, a user may manually load the payment program through a predetermined procedure.

Then, the payment program may request identification information of the user, and when the user inputs his identification information, the payment program may receive and display payment information corresponding to the user from the server 300.

Ubiquitous payment method according to an embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. Computer-readable recording media include all kinds of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, optical data storage, and the like, and also in the form of carrier waves (e.g., transmission over the Internet). It also includes implementations. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

BRIEF DESCRIPTION OF THE DRAWINGS In order to better understand the drawings cited in the detailed description of the invention, a brief description of each drawing is provided.

1 shows a schematic configuration and data flow of a ubiquitous payment system according to an embodiment of the present invention.

Claims (10)

The data processing device recognizing a connection of an identification device; Recognizing, by the data processing apparatus, identification information of a user from the authentication apparatus; And And receiving, by the data processing apparatus, payment information corresponding to the identification information of the user from a server. The method of claim 1, wherein the user's information, Ubiquitous payment method comprising at least one of the unique number of the authentication device or the identification number of the user stored in the storage device included in the authentication device. The method of claim 1, wherein the payment information, Ubiquitous payment method comprising at least one of taxes, utilities, or financial institution payment information imposed on the user. According to claim 1, The ubiquitous payment method, The data processing apparatus further comprises the step of outputting the payment information input from the user to the server based on the payment information. The data processing apparatus of claim 1, wherein the data processing apparatus comprises: A ubiquitous payment method comprising at least one of a mobile device or a computer. The method of claim 1, wherein the authentication device, Ubiquitous payment method comprising at least one of a NFC (Near Field Communication) communication device, magnetic card, magnetic IC card, RFID TAG attached card. Activating the payment program by the data processing apparatus; And And receiving payment information corresponding to the user from a server when the data processing apparatus receives the identification information of the user. A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 1 to 7. An authentication device capable of identifying a user; A data processing device capable of recognizing a connection of the identification device; And A server for outputting the payment information of the user to the data processing device, And the data processing apparatus receives payment information corresponding to the user information from the server when the data processing apparatus recognizes the user's information from the authentication apparatus. The data processing apparatus of claim 9, wherein the data processing apparatus comprises: A ubiquitous payment system for outputting the payment information input from the user based on the payment information to the server.
KR1020070095372A 2007-09-19 2007-09-19 Method and system for ubiquitous payment KR20090030060A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101414196B1 (en) * 2012-05-04 2014-07-01 사단법인 금융보안연구원 Saftey authentification service system and method using near field communication
KR101472655B1 (en) * 2013-01-03 2014-12-24 지승현 Payment system for financial transaction card using NFC smart phone and payment method of financial transaction card therefor

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101414196B1 (en) * 2012-05-04 2014-07-01 사단법인 금융보안연구원 Saftey authentification service system and method using near field communication
KR101472655B1 (en) * 2013-01-03 2014-12-24 지승현 Payment system for financial transaction card using NFC smart phone and payment method of financial transaction card therefor

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