KR20130110436A - Mobile payment systrem for refueling counter - Google Patents

Abstract

PURPOSE: A driver can monitor a refueling-cost and easily pay refueling-cost. Security is improved. A refueling-cost is paid, using various payments means. CONSTITUTION: A position determination module (130) determines a position of a gas station and a refueling position of a vehicle and matches a lubricator which the vehicle is using and the vehicle. A vision recognition module (140) reads information about a refueling cost by performing vision recognition on an image taken. A connection intermediation module provides a portable terminal with an interface screen which displays a cards and bank account list usable in a cost payment and a connection path of a selected card corporation selected by a portable terminal user, and the portable terminal replaces one of a credit card and a bank account to perform the payment by using online ID information through a connection path provided. An online ID managing module (120) requests online ID information having an inherent key value corresponding to a credit card or a bank account selected to a financial corporation server of the credit card or the bank account selected and obtains online ID information generated at the financial corporation server by the request. [Reference numerals] (110) Web service module; (120) Online ID managing module; (130) Position determination module; (140) Vision recognition module; (150) Payment brokering module

Description

Mobile payment systrem for refueling counter

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a bill payment system, and more particularly, to a mobile bill payment system capable of paying a bill using a portable terminal in a mobile environment.

Currently, the gas station management system uses a method in which when a vehicle stops at a gasoline position, the gasoline is supplied to the vehicle, the amount indicated on the gasoline pump is notified to the vehicle driver, and the gasoline fuel is paid mainly using a credit card. In the case of paying for gasoline by using a credit card, there are cases when the time for gasoline or the time for paying by credit card is similar to that of the vehicle. When there are many waiting vehicles at the gas station, It's never real. In addition, there is a case where it is difficult for the driver of the vehicle to inquire the instrument panel of the lubricator at the time of the payment of the fuel bill, thus raising a question as to whether the driver of the vehicle pays the correct cost. Regarding such a problem, in the registration room 20-0261474, a driver can inquire information about gasoline amount, gasoline amount, and gasoline price while sitting on a vehicle, and a wireless credit card reader for paying gasoline with a credit card has been proposed . However, although the registration room 20-0261474 reduces the time required for the payment of the fuel consumption compared with the existing fuel management system, it is not different from the conventional point that the fuel consumption is paid in the off-line environment, It has not been proposed to use the portable terminal to settle the fuel bill. The applicant of the present invention intends to propose a mobile payment system capable of paying for a fuel bill in a mobile environment and minimizing the time required for payment of a fuel bill.

An object of the present invention is to provide a mobile payment system that enables payment of a rental fee in a mobile environment using a portable terminal and minimizes a time required for payment of a rental fee.

According to another aspect of the present invention, there is provided a mobile payment system for a mobile terminal, the mobile payment system including: A position determination module for determining a gas supply position of the gas supply unit and matching the gas supply unit to the vehicle; And a display unit for displaying information on the gasoline cost by performing a vision recognition on the sensed image when providing the sensed image of the instrument panel of the gasifier provided with the oil to the vehicle after the lubrication of the vehicle is completed, Recognition module; And an interface screen displaying and selecting a card or a bank account list available for the payment when the log-in for paying the fee read out from the vision recognition module in the portable terminal is selected, A connection mediation module for providing a connection path to the portable terminal; And when a card or bank account displayed on the interface screen is selected by the user of the portable terminal, the bank account server of the selected credit card or bank account is assigned a unique identifier corresponding to the selected credit card or bank account And an online ID management module for requesting online ID information having a key value and acquiring online ID information generated at a financial company server according to the request, wherein the connection mediating module transmits the online ID information to the portable terminal through the provided access path And the payment is performed by replacing one of the credit card and the bank account by using the online ID information.

In addition, the on-line ID information is formed by an optional combination of numbers, letters, and special characters.

The lubrication apparatus includes a camera for imaging an instrument panel of a neighboring lubrication apparatus.

The portable terminal includes a communication module, and when the portable terminal requests the payment, the portable terminal obtains online ID information from the portable terminal.

In addition, the gas lighter may provide the online ID information and the merchant information to the financial company server to request settlement of the lump cost.

The lubrication apparatus may further include a communication module for short range wireless communication with the portable terminal. After the lubrication of the vehicle is completed, the portable terminal provides gasoline information and merchant information to the portable terminal, Providing the gas mileage information, the merchant information, and the online ID information to the financial company server through the access mediation module and requesting the payment of the gas money.

In addition, the lubrication apparatus displays a unique number for identifying a region and a lubrication provider, and the portable terminal provides the unique number to the financial company server to request payment of the lubrication fee.

According to the present invention, the fueling cost is automatically determined using the portable terminal, and the driver can easily settle the fueling cost while monitoring the fueling cost.

In addition, even if the portable terminal is lost, since the portable terminal does not include any financial information, the security can be improved.

In addition, if the driver wants an example, he / she can settle the fuel bill using various payment means such as credit card settlement or account transfer.

FIG. 1 shows an outline view of a lubricator used in a mobile grout payment system of the present invention.
Fig. 2 shows a conceptual diagram of a gas station provided with the lubricator shown in Fig.
3 is a block diagram of a mobile settlement system according to an embodiment of the present invention.
FIGS. 4 to 7 show reference figures of a gasoline payment process between a portable terminal and a gasifier (or an integrated terminal), and a mobile gasoline payment system.

The gas station referred to in the present invention has a plurality of main oiling zones in which the vehicle can be stopped, and a camera for vehicle image pickup can be disposed. The camera may be provided in a lube box, in the vicinity of a lube box except for the lube area, or in a position such as a gas station ceiling.

The financial company server referred to in the present invention may be a card company server, a bank server, a PG (Payment Gateway) server, a VAN (Value Added Network) server, and various other types of financial company servers. , A bank server, a PG server, and other financial company servers. In the embodiment of the present disclosure, the financial service server can be described and described mainly on one of a card issuer server and a bank server.

The portable terminal referred to in the present invention refers to a terminal that is connected to the above-mentioned financial company server through a network, requests payment of a fuel bill, receives payment details, and displays it on a display device. Currently, the portable terminal may be a PC, a smart tab, a mobile phone, a PDA, a smart phone, a notebook, and any other mobile terminal described in the present specification as long as it is capable of wireless communication while moving.

In the short-range wireless communication referred to in the present invention, a portable terminal and a loudspeaker perform data communication such as Bluetooth communication, or a NFC (Near Field Communication) chip is embedded in a portable terminal, and a loudspeaker or a wireless terminal located around a loudspeaker May refer to a communication method for communicating with the NFC chip of the portable terminal.

In the present invention, it is described that the gasifier provides gasoline information to the mobile gasoline payment system. However, in a gas station having a plurality of gasifiers, there is a separate integrated terminal for notifying gasoline information provided from a plurality of gasifiers to a mobile gasoline payment system, and a terminal is connected to a mobile gasoline billing system using a wired or wireless network, . In the description of the present invention, the gasifier or the integrated terminal can notify the gasoline information to the mobile gasoline payment system, and it is described that the gasifier is informed instead of separately describing it. In this case, it means that the lubricator notifies the mobile payment system or the integrated terminal informs the mobile payment system.

In the present invention, the lubricator may be referred to as an integrated terminal and represented by the same reference numerals. An integrated terminal that collectively receives fueling information generated from each gasifier and provides information of gasoline information or merchant information to a mobile payment system or a driver's portable terminal when the gasifier is plural, is implemented as a computer having a wired / wireless network function Or a position determining camera for determining the parking position of the vehicle parked in the parking area. However, it is not limited.

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

FIG. 1 is an outline view of a lubricator used in a mobile fuel supply payment system of the present invention, and FIG. 2 is a conceptual diagram of a service station provided with the lubricator shown in FIG.

1 and 2 together, the lubricator 50 is provided in the housing 50e, the oil gun 50c provided on one side of the housing 50e, and the housing 50d, And an instrument panel 50b for indicating the fueling unit price, a camera 50a, and a unique number 50d that is attached to or marked on the housing 50e.

The camera 50a is directed to the instrument panels of neighboring other loudspeakers in a gas station where a plurality of loudspeakers are installed. When the lube oil supply to the vehicle is ended at the other loudspeaker, the camera 50a images oiling information, , And notify the mobile payment system of the generated image.

The end of the lubrication can be judged to be the end of lubrication when the lubrication key 50c is released from the lubrication key hook 50f and the lubrication is completed and inserted again into the lubrication key hook 53f. The end of the lubrication may be determined by the lubrication unit 50 or may be determined by an integrated terminal (not shown) connected to the lubrication unit 50. The camera 50a may determine whether the lubrication unit 50 (50b) and transmit it to the driver's portable terminal (60) for monitoring.

The position of the vehicle entering the gas station can be judged by the camera 50a provided in the gasifier 50 or the position determining camera 20. [ The position determining camera 20 captures an image of the main oiling region 30 when the vehicle 10 is positioned in the main oiling region 30 so that the vehicle 10 can be positioned in any of the main oiling regions A, B, C, and D If it is determined that the vehicle 10 is located in the vicinity of the lubricator 50 in accordance with the determination result, the camera 53a of the lubricator 53 is driven to control the imaging of the instrument panel 50b of the lubricator 50 can do. At this time, the position determining camera 20 may be an integrated terminal integrally formed with a computer capable of network communication.

When the position determining camera 20 is an integrated terminal, the integrated terminal can provide the merchant information to the portable terminal 60 when the driver of the vehicle 10 makes a credit card payment. In the present invention, the merchant information is provided from the integrated terminal 20 to the driver's portable terminal 60, and the portable terminal 60 stores information on the merchant information A method of accessing a financial company server and requesting payment of a fuel cost can be implemented.

It is preferable that each of the lubrication apparatuses 50 to 53 images the instrument panel of the lubrication apparatus facing each other. For example, the lubricator 50 images the instrument panel of the lubricator 53, and the lubricator 52 images the instrument panel of the lubricator 51. Fig. On the other hand, the position determining camera 20 may pick up an image of the instrument panel of the lubricators 50 to 53 in the position determining camera 20. In this case, the position determining camera 20 is arranged between the lubricator 50 and the lubricator 51 You may need one more.

3 is a block diagram of a mobile settlement system according to an embodiment of the present invention.

3, the mobile payment system 100 includes a web service module 110, an online identity management module 120, a location determination module 130, a vision recognition module 140, A module 150, and a database 160.

The web service module 110 requests the connection account (ID and password) to the portable terminal when the portable terminal 60 connects to the network through the payment application and performs login, and allows the login when the correct connection account is transmitted . The portable terminal 60 may be provided with a payment app for processing the above-mentioned money charge payment. The payment app,

1) a function of displaying a log-in menu on the display device at the time of connection to the mobile payment system 100,

2) a function of sequentially displaying the payment means (card company and card name) provided by the mobile settlement system 100 in the order of the card company and the card name,

3) a function of requesting the mobile payment system 100 for online ID information when the user of the mobile terminal 60 selects the payment means,

4) a function of requesting settlement of a fuel bill by providing the acquired online ID information to a financial company server after acquiring the online ID information from the mobile payment system 100,

5) a function of performing short-distance wireless communication with the gasifier 50 or the integrated terminal 20 and acquiring the merchant information from the gasifier 50 or the integrated terminal 20,

6) a function of sending merchant information and gasoline information to a financial company server to request payment of gasoline money, and

7) An interface for the operator to input the gasoline information displayed on the gasifier 50 and the unique information marked on the gasifier 50 is displayed on the display device of the mobile terminal 60 and the details of the user input are transmitted to the financial company server A function of requesting payment of a fuel bill may be provided.

The payment app may be displayed in the form of an icon or a menu on the display device of the portable terminal 60. The payment app may automatically perform the functions of 1) to 6) in response to a touch input of the driver, The function may be implemented according to the manual input of the driver. In order to simplify and expedite the payment of the fuel bill, the payment app preferably implements the functions 1) to 6) automatically.

The position determination module 130 determines whether the vehicle 10 is located at a service station, a lube or a main service area A, B, or B based on the unique number of the gasifier 50 or the merchant information or location information provided by the integrated terminal 20, C, and D, respectively. When the gasifier 50 has a network connection function, the position determination module 130 obtains the unique number of the gasifier 50 through the gasifier 50 and applies it to the gas fuel payment. Meanwhile, when the gasifier 50 is capable of short-range wireless communication with the portable terminal 60, the portable terminal 60 may be provided with the gasoline information and the unique number obtained from the gasifier 50. On the other hand, when the integrated terminal 20 is present in the gas station, it is possible to acquire the gasoline information and the merchant information through the integrated terminal 20. The merchant information may include a credit card payment It is possible to grasp the gas station that supplies the vehicle 10 with the oil through the merchant information.

The vision recognition module 140 receives the image captured by the camera 50a or the integrated terminal 20 provided in the lubricator 50 and performs vision recognition on the received image to extract text and numbers can do. The vision recognition module 140 can extract gasoline information such as gasoline amount, gasoline cost, and unique number of the gasifier 50 through the extracted numbers and text.

The payment mediating module 150 is a module that carries out the payment of the fuel consumption amount to be paid by the driver based on the gasoline information extracted from the vision recognition module 140 or the gasoline information provided by the payment application or the gasoline information provided from the gasifier 50 or the integrated terminal 20 And can provide it to the portable terminal 60. [0050] At this time, the settlement mediating module 150 displays an interface screen for displaying and selecting a card or a bank account list available for the cost settlement when log-in for paying a fee in the portable terminal 60, The connection path to the card company or the bank selected by the user can be provided to the portable terminal 60.

The online ID management module 120 may be configured to allow the online ID management module 120 to send a payment request to the bank account server 300 of the selected credit card or bank account when any one of a plurality of cards or bank accounts displayed on the provided interface screen is selected by the user of the portable terminal 60 Request online ID information having a unique key value corresponding to the selected credit card or bank account, and acquire online ID information generated at the financial company server 300 according to the request.

Here, the online ID information is generated by the financial company server 300 in a one-time manner when the online ID management module 120 requests the online ID information. More preferably, the online ID information is limited by limiting the holding time of the generated online ID information, It is desirable to improve the security by extinguishing if the online ID information generated for 10 seconds is not used or fed back to the financial company server 300 for 10 seconds.

At this time, the settlement mediating module 150 replaces one of the credit card or the bank account by using the online ID information with reference to the connection path provided to the driver's portable terminal 60, and the settlement proceeds.

The financial company server 300 sends an authentication number or OTP (One Time Password) for authenticating the portable terminal 60 to the portable terminal 60 in response to the request for payment of the payment of the money in the portable terminal 60, 60 may be authenticated.

The database 160 may temporarily or permanently store the details requested by the portable terminal 60 for the payment of the fuel bill, the image transmitted from the lubricator 50 or the integrated terminal 20, and the online adi information acquired from the financial company server.

FIGS. 4-7 illustrate reference drawings for the process of payment of a fuel bill between a portable terminal and a lubricator (or an integrated terminal, not shown) 50 and a mobile fuel bill payment system.

4, when the mobile terminal 60 of the driver logs into the mobile payment system 100, the mobile payment system 100 of the mobile payment system according to the present invention transmits the mobile payment system 100 to the portable terminal 60 An interface for selecting a card company to use for payment and a credit card of a card company can be provided and the connection path to the card company selected by the mobile terminal 60 can be provided. At this time, the mobile payment system 100 requests and generates the online ID information to be used by the user of the mobile terminal 60 at the bank or card company.

The online ID information is used in a region where a user of the portable terminal 60 submits a service request for use to a bank or a credit card company in advance so as not to handle bank account information or card information in a financial institution other than a bank or a credit card company This invention was devised by the present applicant to be used for financial transactions.

The online identity information may have the form of a file, or a key value formed by a combination of a number and a string. The online ID information represents a unique key value, but does not have the account number or credit card information per se. On the other hand, online identity information can correspond to a single bank account or credit card at a bank or credit card company. For this purpose, the user of the mobile terminal 60 of the driver must preliminarily request the bank or the credit card company to use the online ID information, and the bank or the credit card company may transmit the credit card and the login information selected by the user of the mobile terminal 60, Generates online identity information generated so as to match the information, and provides the online identity information to the mobile payment system 100. [ Accordingly, the acquired online ID information is not finally provided to the user's portable terminal 60, and the portable terminal 60 causes only an event signal such as a payment processing request to be generated. In the mobile payment system 100, When a request is received, settlement processing is performed using online ID information matched with login information or a phone number, thereby enhancing security by preventing card information or the like from being lost due to loss of the portable terminal.

Accordingly, the driver's portable terminal 60 can use the online ID information as if it is a credit card. At this time, the driver's portable terminal 60 can pass the password input process in the same manner as the normal security authentication method when performing the payment of the fuel bill using the online ID information.

The mobile payment system 100 provides an interface for selecting a card company and a credit card to be used for payment when the mobile terminal 60 accesses the login terminal 60, The financial company server 300 requests and generates online ID information to the financial company server 300 corresponding to the selected card company, and the financial company server 300 matches the generated online ID information to the credit card. The portable terminal 60 refers to the access route provided by the mobile payment system 100 and provides settlement information including the settlement fee to the financial company server 300 using the online ID information to request settlement of the financial expenses, The controller 300 may request the password for the credit card used for the payment of the fuel bill and proceed the payment process.

The process shown in FIG. 4 is a conceptual diagram of a method in which the portable terminal 60 proceeds directly to the financial company server 300, but the method of performing the payment of the main fuel in the mobile environment may be various. This will be described in detail with reference to FIG. 5 through FIG.

FIG. 5 is a conceptual diagram illustrating an outline of a bill payment process of a mobile settlement system according to another embodiment of the present invention.

5, the mobile payment system 100 receives a card company name, a card name according to a card company, a phone number of the mobile terminal 60, login information, online ID information, And information on a connection path for each name may be provided.

The mobile payment system 100 may provide an interface for selecting a card company and a card to the portable terminal 60 when the portable terminal 60 is connected and performing log-in. Alternatively, the mobile payment system 100 may provide only the information on the card company and the card to the driver's portable terminal 60 when the portable terminal 60 accesses and logs-in. In this case, the mobile terminal may be provided with a payment application (App) for sequentially displaying the card company and the card name provided by the mobile payment system 100 to enable user selection.

The portable terminal 60 may request the financial transaction server 300 to pay the fee through the PG / VAN server 400 after the vehicle 10 has been supplied with oil. At this time, the portable terminal 60 may perform short-range wireless communication through a built-in Near Field Communication (NFC) chip, and may provide the phone number or login information to the lubricator 50. These information may be encrypted and the gasifier 50 may transmit the phone number or login information, the payment amount, and merchant information (merchant name, merchant unique number, or merchant code) To the financial company server 300 through the PG / VAN server 400 and request payment.

When the payment terminal 50 requests payment to the financial company server 300 through the PG / VAN server 400, the PG / VAN server 400 transmits information on the merchant information received from the payment terminal 60, And the online ID information received from the mobile mediation system 100 to the financial company server 300 to request settlement and notify the approval result to the portable terminal 60 when payment is approved from the financial company server. At this time, the approval result may be provided in the form of SMS (Short Message Service).

FIG. 6 shows a schematic connection conceptual diagram of a mobile settlement system according to another embodiment of the present invention.

6, the gasifier 50 or the integrated terminal 20 informs the mobile payment system 100 of the merchant information, payment amount, login information or phone number of the mobile terminal 60, The system 100 can notify the mobile terminal 60 of the merchant information and the amount of money.

At this time, the mobile payment system 100 can provide a connection path to the financial service server 300 to which the mobile terminal 60 is to be paid for the gasoline payment, and the portable terminal 60 can access the PG / VAN server 400, To the financial company server 300, and notifies the online ID information, the merchant information, and the payment amount. Accordingly, even if the key value of the online ID information is exposed, the portable terminal 60 does not include any card information or personal information as the key value of the online ID information itself, It may not cause the possibility of security accidents due to financial transactions.

The PG / VAN server 400 informs the financial institution server 300 of the merchant information, the key value, and the payment amount provided from the portable terminal 60, Or bank server) finds and matches the bank account corresponding to the key value of the online identity information, and can approve the payment for the online identity information when the correct matching result exists. The approval result is notified to the PG / VAN server 400, and the PG / VAN server 400 provides the approval result to the portable terminal 60 so that the charge settlement can be processed.

The security vulnerability of the portable terminal 60 can be largely overcome according to the settlement method described above. The online ID information does not, by itself, include any kind of card information or bank account information. However, it has characteristics similar to the reference numbers used to find actual credit cards or bank accounts at a bank or credit card company. Payment terminal 60 also does not require separate hardware logic to provide financial key server 300 with a key value that is an optional combination of numbers, letters, special characters, or numbers, letters, and special characters. A separate component or device for providing the key value of the online ID information to the financial company server 300 is not required, so that the existing payment terminal can be used as it is in the present invention.

FIG. 7 shows a schematic connection conceptual diagram of a mobile settlement system according to another embodiment of the present invention.

Referring to FIG. 7, the portable terminal 60 may perform short-distance wireless communication with the payment terminal provided in the gasifier 50 or the integrated terminal 20 to perform the payment of the fuel bill.

The portable terminal 60 provides the merchant information and payment amount to the portable terminal 60 and the driver's portable terminal 60 logs into the mobile payment system 100 You can choose the card vendor you want, and the card vendor. When the mobile terminal 60 selects a card to be used for settlement, the mobile payment system 100 can provide information on the connection path to be connected to the financial company server 300 to the driver's portable terminal 60, (60) accesses the financial company server (300) through the PG / VAN server (400) by referring to the connection path provided by the mobile mediating system (100) and stores the key value of the merchant information, the payment amount, And may request payment of the cost.

The portable terminal 60 requests the payment of the fuel bill by providing the fuel consumption amount, the key value, and the merchant information to the financial company server 300 (card company server or bank server) through the PG / VAN server 400, And provides the result of the payment approval to the portable terminal 60. At this time, the financial company server 300 can notify the portable terminal 60 of the settlement approval result using SMS (Short Message Service).

110: Web service module 120: Online ID management module
130: Position determination module 140: Vision recognition module
150: Payment mediation module 160: Database

Claims (7)

A method of controlling an air conditioner in a vehicle, the method comprising: determining a gas supply position of the gas station and the vehicle when a camera disposed in the gas station provides an image of a main oil area in which the vehicle stops for gas injection; A judgment module;
And a display unit for displaying information on the gasoline cost by performing a vision recognition on the sensed image when providing the sensed image of the instrument panel of the gasifier provided with the oil to the vehicle after the lubrication of the vehicle is completed, Recognition module; And
In the mobile terminal, when logging in for the payment of the cost read by the vision recognition module, an interface screen for displaying and selecting a list of cards or bank accounts available for the payment and a card company or bank selected by the user of the mobile terminal. A connection mediation module for providing a connection path of the mobile terminal; And
When any one of a plurality of cards or bank accounts displayed on the interface screen is selected by the user of the mobile terminal, a unique key corresponding to the selected credit card or bank account to the financial company server of the selected credit card or bank account And an online ID management module for requesting online ID information having a value and acquiring the online ID information generated by the financial institution server according to the request.
The connection mediation module comprises:
And the mobile terminal performs payment by replacing one of the credit card and the bank account using the online ID information through the provided access path. The method of claim 1,
The online ID information,
Mobile fueling payment system, characterized in that formed by the optional combination of numbers, letters, and special characters. The method of claim 1,
The lube gasifier,
And a camera for capturing an image of an instrument panel of a neighboring other lubrication apparatus. 4. The method according to any one of claims 1 to 3,
Wherein the lubricator includes a communication module,
Wherein the mobile terminal acquires online ID information from the portable terminal when the portable terminal requests the payment. 5. The method of claim 4,
The lube gasifier,
And provides the online ID information and the merchant information to the financial company server to request settlement of the gasoline cost. 4. The method according to any one of claims 1 to 3,
Wherein the lubricator includes a communication module for short range wireless communication with the portable terminal,
Providing information on gasoline information and merchant information to the portable terminal after completion of lubrication to the vehicle,
Wherein the portable terminal provides the gasoline information, the merchant information, and the online ID information to the financial company server through the connection mediation module, and requests the payment of the gasoline money. The method according to claim 6,
The gas lighter is provided with a unique number for identifying the region and the gas carrier,
The portable terminal includes:
And provides the unique number to the financial company server to request the settlement of the gas money.

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