KR20140047372A

KR20140047372A - Battery having near field communication module and method on-line payment system and method using the same

Info

Publication number: KR20140047372A
Application number: KR1020120113563A
Authority: KR
Inventors: 이왕주
Original assignee: 와이엠디(주)
Priority date: 2012-10-12
Filing date: 2012-10-12
Publication date: 2014-04-22

Abstract

Disclosed in the present invention are a battery including a short-range communications module, an online payment system using the same, and a method thereof. According to the present invention, the battery including a short-range communications module includes a battery module which supplies driving power; a connection unit which is connected to the battery module and delivers the driving power from the battery module; and an AP module which is combined with the connection unit, is driven by the delivered driving power, communicates with a purchaser terminal through short-range communications, and performs a role as an AP for online payment. [Reference numerals] (110) Battery module; (130) AP module; (AA) Battery

Description

BATTERY HAVING NEAR FIELD COMMUNICATION MODULE AND METHOD ON-LINE PAYMENT SYSTEM AND METHOD USING THE SAME}

The present invention relates to an online payment method, and in particular, by mounting an AP (Access Point) module capable of short-range communication to a battery used for power supply of an electronic device in a small shop or street vendors, and online using the installed AP module. The present invention relates to a battery having a short range communication module for performing a payment, and an online payment system and method using the same.

With the development of portable terminals, mobile terminals, which are limited to voice calls and web access, have come to perform rudimentary financial settlement by contacting dedicated terminals.

Currently, portable terminals are used for payment in convenience stores and stores where dedicated terminals are installed by embedding chips issued by banks, but there is a limit on the cost that can be paid, and payment cannot be performed where there is no dedicated terminal. In addition, the chip embedded in the mobile terminal has a side that is difficult to process the payment immediately in the account transfer or general commerce.

In Korea, in addition to banks and financial companies such as credit card companies, payment gateway (PG) companies have difficulty in directly handling user account information or card information. Therefore, the payment of the mobile environment is performed by using a USIM chip for user authentication or by using a mobile terminal embedded card certified by a financial company.

These chips or cards can be used only in a store equipped with a dedicated reader, but most small stores and street vendors use cash as a means of payment because they do not have a dedicated reader. So even if a consumer wants to buy at these stores, they can't pay because they don't have cash.

Therefore, to solve the problems of the prior art, an object of the present invention is an AP module mounted by mounting an AP (Access Point) module capable of short-range communication in the battery used for power supply of electronic devices in small stores or street vendors The present invention provides a battery equipped with a short-range communication module for performing online payment by using the same, and an online payment system and method using the same.

However, the objects of the present invention are not limited to those mentioned above, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

In order to achieve the above objects, the battery with a short-range communication module according to an aspect of the present invention includes a battery module for supplying driving power; A connection part connected to the battery module to transfer driving power from the battery module; And an AP module that is driven by using the driving power received and coupled to the connection unit, and serves as an AP for communicating with a purchaser terminal using short-range wireless communication to perform online payment.

Preferably, the AP module is characterized by providing identification information for performing an online payment by communicating with a purchaser terminal using the short-range wireless communication.

Preferably, the identification information is any one of a serial number and an AP ID.

Preferably, the AP module is coupled to the connection to receive the driving power, characterized in that implemented as one functional block physically coupled with the connection.

Preferably, the AP module is coupled to the connection to receive the driving power, characterized in that implemented as a separate functional block physically separated from the connection.

Preferably, the AP module is connected to the USB port of the vehicle, characterized in that it is implemented to receive driving power from a battery inside the vehicle.

Preferably, the AP module is connected to a USB port of the user terminal, characterized in that implemented to receive driving power from a battery inside the user terminal.

Preferably, the short range wireless communication is any one of wireless fidelity (Wi-Fi), bluetooth, zigbee, and ultra wide band (UWB).

According to another aspect of the present invention, an online payment system using a battery having a short-range communication module is coupled to a battery to receive driving power, and communicates with a purchaser terminal using short-range wireless communication as an AP for performing online payment. An AP module acting; A consumer terminal receiving identification information from the AP module through the activated mobile application, selecting a menu from menu information based on the identification information received, and requesting payment for the selected menu; An intermediate server that provides menu information and affiliated store information based on the identification information; And it may include a payment server for processing the payment for the menu requested from the consumer terminal.

Preferably, the AP module is physically coupled to the inside of the battery, characterized in that implemented to receive the driving power from the battery.

Preferably, the AP module is connected to a USB port of the user terminal, characterized in that implemented to receive driving power from a battery therein.

Preferably, the consumer terminal is characterized in that to provide the identification information provided to the mediation server and to receive menu information and merchant information based on the identification information provided from the mediation server.

Preferably, the consumer terminal is characterized in that for activating the mobile application according to the consumer's choice.

Preferably, when the consumer terminal enters the store, it is characterized in that the short-range communication with the AP module to automatically activate the mobile application according to the communication result.

Preferably, when the consumer terminal selects a menu based on the menu information and the merchant information provided from the mediation server, the consumer terminal selects a pre-installed mobile payment card for the payment and uses the selected mobile payment card for the selected menu. And requesting payment from a payment server.

According to another aspect of the present invention, an online payment method using a battery provided with an AP module, which serves as an AP for performing online payment by communicating with a purchaser terminal using short-range wireless communication, in which a consumer terminal activates a mobile application. Receiving identification information from the AP module through the activated mobile application; Receiving, by the consumer terminal, menu information and affiliated store information from an intermediary server based on the identification information; And selecting, by the consumer terminal, a menu based on the menu information and the affiliated store information, and requesting a payment server for payment of the selected menu.

Preferably, the step of receiving the identification information is characterized in that the consumer terminal activates the mobile application according to the consumer's choice.

Preferably, the step of receiving the identification information is characterized in that, when the consumer terminal enters the store, the mobile terminal is automatically activated according to a result of the short-range communication with the AP module.

In addition, the online payment method using a battery provided with a short-range communication module according to the present invention may further comprise the step of the seller terminal registers the identification information and seller information of the AP module to the intermediary server.

Preferably, the seller information comprises at least one of merchant information, menu information, and account number information.

Preferably, in the requesting of the payment server, when the consumer terminal selects a menu based on the menu information and the affiliated store information, the user terminal selects a pre-installed mobile payment card for payment and uses the selected mobile payment card. Characterized in that the request for payment to the payment server.

Preferably, the requesting of the payment server may include: providing, by the consumer terminal, phone information to the mediation server; Displaying, by the intermediary server, a list of financial company information registered to match the received phone information to the consumer terminal; Determining, by the consumer terminal, whether a card name or a bank account name to be used is selected from the list displayed in the list display step; Requesting, by the consumer terminal, generation of card information of an online ID to a payment server corresponding to a card name or a bank account name selected in the card selection step; Receiving, by the consumer terminal, online ID information generated at the payment server; And transmitting, by the consumer terminal, a payment fee and the online ID information to the payment server to request a payment processing.

Preferably, the online ID is extinguished when payment is completed or payment is not made for a predetermined time.

In this way, the present invention is equipped with an AP module capable of short-range communication to the battery used for power supply of electronic devices in small shops or street vendors, so that the online payment can be performed using the mounted AP module, without having to carry cash. There is an effect that can be easily paid online.

In addition, the present invention has an effect that can greatly contribute to the increase in sales due to the increase in sales because it is possible to easily pay online without having to carry cash in a small shop or street vendors.

In addition, the present invention is to install the AP module capable of short-range communication to the battery used for power supply of electronic devices in small stores or street vendors to perform online payment by using the AP module mounted, thereby improving customer satisfaction It can be effective.

1 is a view showing a battery equipped with a short-range communication module according to an embodiment of the present invention.
2 is a view for explaining the use of the AP module according to an embodiment of the present invention.
3 is a diagram illustrating a process of registering an AP module according to an embodiment of the present invention.
4 is a diagram illustrating a method for making an online payment according to an embodiment of the present invention.
5 is a first diagram illustrating an online payment process according to an embodiment of the present invention.
6 is a second diagram for describing an online payment process according to an embodiment of the present invention.
7 is a third view for explaining an online payment process according to an embodiment of the present invention.
8 is a fourth diagram illustrating an online payment process according to an embodiment of the present invention.
9 is a fifth view for explaining an online payment process according to an embodiment of the present invention.
10 is a sixth diagram for explaining an online payment process according to an embodiment of the present invention.
11 is a seventh view for explaining an online payment process according to an embodiment of the present invention.
12 is an eighth diagram for describing an online payment process according to an embodiment of the present invention.

Hereinafter, a battery equipped with a short-range communication module according to an embodiment of the present invention and an online payment system and method using the same will be described with reference to FIGS. 1 to 12. The present invention will be described in detail with reference to the portions necessary for understanding the operation and operation according to the present invention.

In describing the constituent elements of the present invention, the same reference numerals may be given to constituent elements having the same name, and the same reference numerals may be given thereto even though they are different from each other. However, even in such a case, it does not mean that the corresponding component has different functions according to the embodiment, or does not mean that the different components have the same function. It should be judged based on the description of each component in the example.

In particular, the present invention provides a new method for performing online payment using an AP module equipped with an AP (Access Point) module capable of short-range communication to a battery used for power supply of an electronic device in a small shop or street vendors. Suggest.

1 is a view showing a battery equipped with a short-range communication module according to an embodiment of the present invention.

As shown in FIG. 1, a battery having a short range communication module according to the present invention may include a battery module 110, a connection unit 120, an AP module 130, and the like.

The battery module 110 may supply driving power of an electronic device connected to the outside.

The connector 120 is connected to the battery module 110 and serves to receive power. The connection part 120 may be provided inside the battery or may be provided outside the battery.

The AP module 130 may operate by using the driving power supplied from the battery module 110 by being connected to the connection unit 120. The short-range wireless communication is possible, and thus serves as an AP for online payment using the short-range wireless communication. Can be performed.

Here, the short range wireless communication may be a concept including Wi-Fi (Wireless Fidelity), Bluetooth (bluetooth), Zigbee (zigbee), UWB (Ultra Wide Band).

The AP module 130 is implemented as a single physically coupled device or physically separated as a separate device to be coupled to the connection unit 120 to receive driving power. That is, the AP module 130 may be mounted on the battery using a separate interface.

2 is a view for explaining the use of the AP module according to an embodiment of the present invention.

As shown in Figure 2, as shown in (a) the AP module may be implemented by being mounted inside the battery or mounted so as to be detachable from the outside of the battery.

As in (b), the AP module can be implemented in a USB form and can be coupled to a USB terminal in a vehicle. Although the present invention implements the AP module in the form of USB so that power can be easily supplied from a vehicle, the present invention is not limited thereto and may be implemented in various forms.

As shown in (c), the AP module may be implemented in a USB form and combined with a user terminal. The user terminal may be a concept encompassing a mobile phone, a smart phone, personal digital assistants (PDAs), a personal computer (PC), a notebook computer, and the like.

3 is a diagram illustrating a process of registering an AP module according to an embodiment of the present invention.

As shown in FIG. 3, the seller terminal 200 may receive identification information from the AP module 100 mounted in the battery using short-range wireless communication (S301), where the identification information is a serial number and an AP. ID and the like.

In this case, the seller terminal 200 also includes a short range communication module to enable short range wireless communication.

Next, the seller terminal 200 may generate a registration message including identification information, merchant information, menu information, account information, etc. of the provided AP module 100 (S302).

In this case, the affiliated store information is information for identifying an affiliated store, the menu information is information representing a menu and its price, and the account number is information for depositing an online payment amount.

Next, the seller terminal 200 may transmit the generated registration message to the mediation server 300 by wire or wireless communication (S303).

Next, upon receiving the registration message, the mediation server 300 may register identification information, menu information, and seller information such as an account number included in the received registration message (S304).

In this case, the mediation server 300 may register the seller information only for a user who is a paid member or a free member who pays a predetermined amount to the online payment service.

Next, the intermediate server 300 may transmit a result message for notifying that the registration (S305).

4 is a diagram illustrating a method for making an online payment according to an embodiment of the present invention.

As shown in FIG. 4, the consumer terminal 400 may enter a small store or stall and activate a mobile application or mobile application for ordering.

In this case, when the consumer terminal 400 enters a small shop or a street stall, the consumer terminal 400 may activate manually by a consumer or automatically communicate with an AP module to automatically activate a mobile application.

Next, when the mobile application is activated, the consumer terminal 400 may receive identification information, for example, a serial number or an AP ID, from the AP module 100 mounted in the battery using short-range wireless communication.

Next, the consumer terminal 400 provides the provided identification information to the mediation server 300, and the mediation server 300 provides pre-registered menu information and affiliated store information corresponding to the identification information to the consumer terminal 400. Can provide.

In this case, seller information such as menu information, merchant information, and account information corresponding to the identification information is pre-registered by the seller at the time of registering the identification information of the AP module 100.

Next, when the consumer terminal 400 is provided with the menu information and the affiliated store information, the consumer terminal 400 may display the menu information together with the affiliated store information and request a menu selection from the consumer.

Next, when the menu is selected, the consumer terminal 400 selects a pre-installed mobile payment card for payment on the selected menu, and makes a payment for the selected menu on the payment server 500 using the selected mobile payment card. You can request

In this case, the consumer terminal 400 is provided with an interface for selecting a credit card company or a credit card company, or a bank and a bank account to be used for payment through a mobile application, and when the consumer selects the card company and a credit card, the selected card company And it can be provided with a connection path to the card company for the use of credit cards.

In addition, the consumer terminal 400 is provided with an interface for selecting a credit card company or a credit card company, or a bank and a bank account to be used for payment by an intermediary server connected to the consumer. Access to the card company for the use of the selected card company and credit card can be provided.

At this time, the financial company information, including the credit card company, credit card, banks and bank accounts of the card company, is in use or intended to be used by the actual consumer, subscribe to the service provided by the intermediary server and store in advance to match the user's login information or phone number. Just put it.

Next, the payment server 500 may process payment for the selected menu and provide payment approval information to both the consumer terminal 400 and the seller terminal 200 according to the processing result.

Thereafter, the payment server 500 deposits the selling price to the mediation server 300 according to the payment approval information, and the intermediary server 300 deposits the selling price to the account number of the seller terminal. Of course, the mediation server 300 will deposit the fee for the service from the sales price.

Hereinafter, various forms of online payment process for the selected menu will be described in detail with reference to FIG. 4 after the consumer terminal 400 selects the menu. The payment server 500 mentioned in the present invention may be a financial company server, a card company server, a bank server, a communication company server, a payment gateway server, a value added network (VAN) server, and various other types of financial company servers.

5 is a first diagram illustrating an online payment process according to an embodiment of the present invention.

As shown in FIG. 5, when the user consumer terminal 400 on the paying side logs in to the mediation server 100, the mediation server 100 uses the card company and the card company to be used for payment to the consumer terminal 400. It may provide an interface for selecting a credit card, or a bank and a bank account, and may provide a connection path to a card company selected by the consumer terminal 400 and a card company for using a credit card.

At this time, the financial company information, including the credit card company, the credit card, bank and bank account of the card company is used or intended to be used by the actual user, by signing up for the service provided by the intermediary server 300, the user's login information or the user It is desirable to store in advance to match the phone number of the mobile terminal.

At this time, the intermediary server 300 obtains by requesting the generation of a one-time online ID to be used by the user of the consumer terminal 400 from a plurality of card companies or banks selected by the user, or a bank company's financial company server 501.

The online ID is a service that the user of the consumer terminal 400 applies for in advance for use with a bank or a card company, and is mobile even in a region where banking or credit companies other than banks or card companies cannot handle bank account information or card information. It is designed by the applicant for use in financial transactions.

The online ID may have the form of a file, or a key value formed by a combination of a number and a string. An online ID represents a unique key value, but does not itself have an account number or credit card information. On the other hand, the online identity can correspond to a single bank account or credit card at a bank or credit card company. To this end, the user of the consumer terminal 400 must apply in advance for a payment service provided by the intermediary server 300 and a service application for the use of an online ID to a bank or credit card company, and the bank or credit card company may use the consumer terminal 400 user. The online ID generated to match the selected credit card and login information or phone information is provided to the mediation server 300.

When a specific credit card or bank account is selected by the interface presented after the user logs in as described above, the mediation server 300 requests and obtains a one-time online ID issuance to the corresponding financial institution server to present the access path to the corresponding financial institution server. Payment can be made.

At this time, more preferably, the financial company server 501 increases the security by extinguishing the payment when the payment is completed using the one-time online ID or when it is not used for a predetermined time or more.

Therefore, the acquired online ID is not finally provided to the user's consumer terminal 400, and the consumer terminal 400 simply causes an event signal such as a payment processing request to be generated, and the mediation server 300 receives such an event request. In this case, the payment process may be performed using an online ID matching the login information or the phone number, thereby preventing the card information from being lost due to the loss of the mobile terminal and the like, thereby improving security. In this case, in the case of a mobile terminal having a phone number such as a smart phone or a mobile phone, the phone number may serve as identification, and in the case of a terminal without a phone number such as a PC, the login information may serve as an identification or the user logs in the phone number. Can be presented and used at the time, the financial institution server receives the request for the creation and provision of the online ID by the intermediary server 300 generates and provides an online ID to match these phone numbers or login information.

In this case, even in the case of a mobile terminal having a phone number, it is also possible to construct login information by adding login information.

Accordingly, the user of the consumer terminal 400 may use the online ID as if it is a credit card or a bank account. In this case, the user of the consumer terminal 400 may perform a payment process by using an online ID, or when performing an account transfer, as in the normal security authentication method, may pass through a password input process.

The mediation server 300 provides an interface for selecting a credit card company and a credit card to be used for payment by the consumer terminal 400 when the consumer terminal 400 logs in, and the credit card company and the credit card are selected by the consumer terminal 400. When the financial company server 501 requests the generation of an online ID corresponding to the selected card company, the financial company server 501 obtains the generated online ID (or key value, hereinafter omitted) from the credit card, phone number, or login information. To match. The consumer terminal 400 requests payment by providing payment information including the payment cost to the financial institution server 501 using the online ID by referring to the connection path provided by the mediation server 300, and the financial institution server 501. May request a password for the credit card used for payment to proceed with the payment process.

6 is a second diagram for describing an online payment process according to an embodiment of the present invention.

As shown in FIG. 6, when a user registers a plurality of card companies, cards, banks, and bank accounts to be used by the user in advance, the mediation server 300 previously registers the card with the corresponding financial company server 501. Alternatively, the mobile terminal provides phone information including a bank account, login information, or a phone number to request generation of an online ID, and then stores the matching information in the intermediary server 300.

At this time, it is preferable that each financial institution server 501 also stores the generated online ID to match each card or bank account.

Therefore, when a plurality of cards are registered for each card company or when a plurality of bank accounts are registered for each bank, even if the same card company or a bank, a plurality of online IDs are issued. That is, when there are a plurality of cards (bank accounts), which are sub-concepts, for each card company (bank) which is an upper concept, an online ID is generated and stored in each sub concept in a 1: 1 matching manner.

As such, when the user registers in advance the financial company information including the card company name or bank name, the card name or the bank account name to be used, and the phone information including the login information or the phone number, the mediation server 300 registers the phone information. It is provided to the corresponding financial company server 501 to obtain an online ID by request.

Subsequently, when the user logs in and accesses the mediation server 100 through the consumer terminal 400 for payment, the mediation server 100 displays a list of financial company information registered in advance on the consumer terminal 400, whichever is used. Presents an interface screen so that can be selected.

When any one card or bank account to be used from the consumer terminal 400 is selected, the mediation server 300 matches a card or bank account registered with a selected card or bank account among a plurality of pre-stored online IDs, or The bank's financial company server 501 provides the online ID information, phone information, and information on payment costs associated with the payment, and the financial company server 501 provides a real card matched to the online ID provided by the mediation server 300. Or use a bank account for payment.

At this time, the financial company server 501 is required to request the input of the OTP (One Time Password) or password to the phone number of the phone information provided by the intermediary server 300 to improve the security to be a payment process.

In this way, the obtained online ID is not finally provided to the consumer terminal 400 and the consumer terminal 400 simply causes an event signal such as a payment processing request to be generated and the mediation server 300 receives such an event request. By using the online ID that matches the login information or the phone number, the payment process can be performed to prevent leakage of card information due to loss of the mobile terminal to the outside, thereby improving security. In this case, in the case of a mobile terminal having a phone number such as a smart phone or a mobile phone, the phone number may serve as identification, and in the case of a terminal without a phone number such as a PC, the login information may serve as an identification or the user logs in the phone number. Can be presented and used at the time of payment, the payment server generates an online ID to match these phone numbers or login information when receiving the request for generation and provision of the online ID by the intermediary server 100.

Accordingly, the user of the consumer terminal 400 may use the online ID as if it is a credit card or a bank account.

On the other hand, more preferably, the financial institution server 501 updates the plurality of stored online IDs after a predetermined time or more, and provides the intermediary server 300 to improve security.

In the payment method shown in FIG. 5 and FIG. 6, the online ID is issued only once or the card as a subordinate concept or the online ID is issued for each bank account, without being simply processed with the phone number of the mobile terminal. Or even if you have multiple bank accounts (multi card or multi account), you can use them all as one mobile application.

7 is a third view for explaining an online payment process according to an embodiment of the present invention.

As shown in FIG. 7, when the payment process is performed between both the consumer terminal 400 and the seller terminal 200, the seller terminal 200 is connected to a card payment or reader installed in a conventional restaurant or shopping mall. As having the same function, instead of sending information such as credit card information or authorized certificate from the consumer mobile terminal 50 to the seller terminal 200, the phone information is transmitted and the seller terminal 200 uses the intermediary server 300 by using the same. The present invention relates to a method for requesting payment to a financial institution server 501 through an access path provided by the service provider.

The mediation server 300 registers and stores information on the card company name, the card name according to the card company, the phone number of the consumer terminal 400, the login information, and the access path for each registered card name from the consumer terminal 400 in advance. Put it. Details thereof are described in the embodiments of FIGS. 5 and 6, and thus detailed descriptions thereof will be omitted.

When the consumer terminal 400 accesses and logs in, the mediation server 300 provides an interface for selecting a card company and a card to the consumer terminal 400, and corresponds to a card or bank account selected from the consumer terminal 400. Obtain and obtain a one-time online ID issuance to the financial company's financial company server 501.

At this time, the mediation server 300 provides only the card company and the card information to the consumer terminal 400 when the consumer terminal 40 accesses and logs in. In this case, the consumer terminal may be installed with a card company provided by the mediation server 300, and a mobile application to display the card information to enable the user selection.

The consumer terminal 400 may sell a product or service and request payment of the cost to the terminal 200 of a seller receiving the cost, and at this time, the consumer terminal 400 may use a short range wireless communication through an embedded NFC chip. It can be performed, and provides the phone number or login information (phone information) of the consumer terminal 400 to the seller terminal 200. These information may be encrypted, the seller terminal 200 through the connection path provided by the mediation server 300 provides the phone number or login information, and merchant information (merchant name, merchant unique number, or merchant code) PG / The payment may be requested by transmitting to the VAN server 502.

Here, the information may be provided to the financial institution server 501 through a PG server or a VAN server. Therefore, the PG server and the VAN server are referred to collectively as the PG / VAN server 502.

When the seller terminal 200 requests a payment to the PG / VAN server 502, the PG / VAN server 502 may receive information about the merchant and payment amount received from the seller terminal 200, and the relay server 300. Provides information on the online ID key value received from the financial institution server 501 to request payment, and the financial institution server (card company server or bank server) finds a credit card or bank account corresponding to the key value of the online ID. If a match is found and a valid matching result exists, the payment for the online ID may be approved. If payment is approved from the financial institution server 501, the approval result may be notified to the consumer terminal 400. At this time, the approval result may be provided in the form of SMS (Short Message Service).

According to the above payment method, there is an advantage that the security vulnerability of the consumer terminal 400 is largely overcome. The online ID by itself does not contain any kind of card or bank account information. It has similar characteristics to the reference numbers used by banks and credit card companies to find actual credit cards or bank accounts. In addition, the seller terminal 200 does not require separate hardware logic to provide the PG / VAN server 501 with numbers, letters, special characters, or key values in which these numbers, characters, and special characters are optionally combined. Do not. Since a separate part or device for providing the key value of the online ID to the PG / VAN server 501 is not required, an existing seller terminal may be used as it is in the present invention.

On the other hand, in the embodiment shown in Figure 7 has been shown and described with respect to the case of obtaining a request to create a one-time online ID card to the financial institution server when the event that the card or bank account to be used in the consumer terminal 400 is selected, but On the contrary, as in the embodiment shown in FIG. 8, the online ID card may be previously allocated to each card or bank account of a subordinate concept in advance to be used for payment.

8 is a fourth diagram illustrating an online payment process according to an embodiment of the present invention.

As illustrated in FIG. 8, the mediation server 300 may be configured from the consumer terminal 400 to a card company name, a card name according to the card company, a phone number of the consumer terminal 400, login information, and a connection path for each registered card name. Register the information in advance and save it.

At this time, the intermediary server 300 requests and obtains an online ID for each card or bank account of a subordinate concept for each card company or bank account of the registered card and stores the matching information with the phone information.

When the consumer terminal 400 accesses and logs in, the mediation server 300 provides an interface for selecting a card company and a card to the consumer terminal 400, and when a card or a bank account is selected from the consumer terminal 400. First, the online ID card that matches 1: 1 among the plurality of online IDs is specified.

At this time, the mediation server 300 provides only the card company and the card information to the consumer terminal 400 when the consumer terminal 400 accesses and logs in. In this case, the consumer terminal may be installed with a card company provided by the mediation server 300, and a mobile application to display the card information to enable the user selection.

The consumer terminal 400 may request a payment to the seller terminal 200 that sells a product or service and receives the cost, wherein the consumer terminal 400 performs short-range wireless communication through an embedded NFC chip. It can be performed, and provides the phone number or login information (phone information) of the consumer terminal 400 to the seller terminal 200. These information may be encrypted, the seller terminal 200 through the connection path provided by the mediation server 300 provides the phone number or login information, and merchant information (merchant name, merchant unique number, or merchant code) PG / The payment may be requested by transmitting to the VAN server 502.

According to the above payment method, there is an advantage that the security vulnerability of the consumer terminal 400 is largely overcome. The online ID by itself does not contain any kind of card or bank account information. It has similar characteristics to the reference numbers used by banks and credit card companies to find actual credit cards or bank accounts. In addition, the seller terminal 200 may not require separate hardware logic to provide the PG / VAN server 502 with numbers, letters, special characters, or key values in which these numbers, characters, and special characters are optionally combined. Do not. Since a separate part or device is not required to provide a key value of the online ID to the PG / VAN server 502, the existing seller terminal may be used as it is in the present invention.

9 is a fifth view for explaining an online payment process according to an embodiment of the present invention.

As shown in FIG. 9, the consumer terminal 400 may perform short-range wireless communication with a seller terminal 200 of a cost receiver providing a product or a service, and proceed with payment. The seller terminal 200 provides the merchant information and the payment amount to the consumer terminal 400, and the consumer terminal logs in to the mediation server 300 and selects a desired card company and a card according to the card company.

When the consumer terminal 400 selects a card to be used for payment, the mediation server 300 may provide information on an access path to access the PG / VAN server 502, and the one-time online to the financial institution server 501. Obtain and obtain an ID.

In this case, the consumer terminal 400 may request the payment by providing the merchant information, the payment amount, and the key value of the online ID by accessing the PG / VAN server 501 through the intermediation server 300.

The PG / VAN server 502 requests payment by providing the payment amount, key value, and merchant information to the financial company server 501 (card company server or bank server), and receives the payment approval result from the financial company server 501. The mobile terminal 50 can be provided. In this case, the PG / VAN server 502 may notify the consumer terminal 400 of the payment approval result by using a short message service (SMS).

The financial institution server 501 may receive a key value of an online ID provided by the PG / VAN server 502 and inquire a credit card or a bank account corresponding to the received key value. As a result of the inquiry, when a credit card or bank account corresponding to the key value exists, payment can be performed for the credit card or bank account.

10 is a sixth diagram for explaining an online payment process according to an embodiment of the present invention.

As shown in FIG. 10, the mediation server 300 is connected from the consumer terminal 400 to the card company name, the card name according to the card company, the phone number of the consumer terminal 400, the login information, and the access path for each registered card name. Register the information in advance and save it.

Thereafter, the consumer terminal 400 may perform a short-term wireless communication with the seller terminal 200 of the cost receiver providing the goods or the service, and proceed with the payment. The seller terminal 200 provides the merchant information and the payment amount to the consumer terminal 400, and the mobile terminal logs in to the intermediary server 300 and selects a desired card company and a card according to the card company.

When the consumer terminal 400 selects a card to be used for payment, the mediation server 300 provides information on a connection path to be connected to the PG / VAN server 502 and an online ID 1: 1 matching the selected card or bank account. Specifies.

In this case, the consumer terminal 400 may request the payment by providing the merchant information, the payment amount, and the key value of the specified online ID card by accessing the PG / VAN server 502 through the intermediation server 300. .

The PG / VAN server 502 requests payment by providing the payment amount, key value, and merchant information to the financial company server 501 (card company server or bank server), and receives the payment approval result from the financial company server 501. It can be provided to the consumer terminal 400. In this case, the PG / VAN server 502 may notify the consumer terminal 400 of the payment approval result by using a short message service (SMS).

11 is a seventh view for explaining an online payment process according to an embodiment of the present invention.

As shown in FIG. 11, the consumer terminal 400 requests an account transfer service by logging in to the mediation server 100, and the mediation server 300 provides an interface for selecting bank and account information for performing the account transfer. In addition, when a specific bank and an account to be used are selected in the consumer terminal 400, an access path to the selected bank account may be provided to the consumer terminal 400. The user of the consumer terminal 400 preferably registers one or more bank accounts to be used in advance in the mediation server 300.

If the user of the consumer terminal 400 clearly knows the target of the account transfer, that is, the target of the transfer, and knows his / her account clearly, the mobile app installed in the consumer terminal 400 may be transferred from the mediation server 300. Access to the financial institution server (bank server) 501 along the provided access path, the mobile app is the access path provided by the mediation server 300 the key value of the online ID, transfer amount, transfer target account number along the provided access path By providing to the financial institution server 501 can request a bank transfer.

At this time, the financial institution server 501 inquires the real account number corresponding to the key value of the online ID provided from the consumer terminal 400. As a result of the inquiry, when a real account corresponding to the key value of the online ID exists, the financial institution server 501 sets the cost to be transferred from the account. Thereafter, the financial company server 501 sends the authentication number to the consumer terminal 400, and the user of the consumer terminal 400 checks the received authentication number and then feeds back to the financial company server 501 through the consumer terminal 400. The authentication process for the consumer terminal 400 may be completed.

In this case, when the bank to be transferred is the other party, the financial company server 501 may proceed with the other party's deposit and request a certain fee from the person to be transferred or the user of the consumer terminal 400.

When the authentication process is completed, the financial institution server 501 withdraws the expenses from the real account corresponding to the key value of the online ID and proceeds the account transfer to the account number designated by the user of the consumer terminal 400 and returns the result to the consumer terminal ( 400).

12 is an eighth diagram for describing an online payment process according to an embodiment of the present invention.

As shown in FIG. 12, when the consumer terminal user does not know the target account number for transfer, a reference diagram for explaining a process of proceeding with the account transfer is performed after the user of the consumer terminal 400 logs in to the mediation server 300. When the request is made and the intermediary server 300 provides an access path to the financial institution server 501, the access value is entered into the financial institution server 501 and then the key value of the online ID for authenticating the consumer terminal 400. Transfer the details of the transfer amount, the phone number of the target mobile terminal.

The financial institution server 501 may generate a virtual account including a key value of an online ID, a transfer amount, and information on a transfer target (for example, a mobile terminal phone number of a transfer target), which may specify a user of the consumer terminal 400, or The account number of the transfer target can be inquired by referring to the phone number of the transfer target or.

When creating a virtual account, the transfer recipient's phone number is treated as a single account, and if the transfer target proves to be a legitimate transfer recipient using his / her phone number, he / she will pay the transfer deposit to the virtual account. Can be.

That is, when the virtual account is generated in the financial company server 501, the mediation server 300 notifies the occurrence of the event to the mobile terminal of the transfer target, and the transfer target user logs in to the intermediary server 300 with the mobile terminal and sends his / her phone number. The transmission and relay server 300 provides an interface for selecting bank and account information to be received by the mobile terminal of the transfer target, and the selected bank account information and the phone of the transfer target when the transfer target selects the bank and account information to be received. The number is transmitted to the financial institution server 501 so that the financial institution server 501 can transfer money.

At this time, the transfer target person is connected to the financial company server 501 online to present their phone number, and when the financial company server 501 transmits the authentication number, it is fed back to prove that the transfer target, or stop by offline banks After presenting the resident registration card and the mobile terminal, the user can receive the transfer amount after demonstrating that he / she is a legitimate transfer target.

On the other hand, the financial company server 501 finds the transfer target by querying the mobile phone server (not shown) the phone number of the transfer target presented by the user of the consumer terminal 400, the transfer target can receive the transfer cost based on this You can also look up an account.

In this case, the financial company server 501 transmits the guidance message to the phone number of the transfer target, inquires the bank company to receive the transfer amount, and the account number, and transmits the authentication number to the mobile terminal of the transfer target to proceed with the authentication process. It may be.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas falling within the scope of the same shall be construed as falling within the scope of the present invention.

110: Battery module
120: connection
100, 130: AP module
200: Merchant terminal
300: mediation server
400: Consumer terminal
500: Payment server

Claims

A battery module for supplying driving power;
A connection part connected to the battery module to transfer driving power from the battery module; And
A short-range communication module including; an AP module which is driven by using the driving power received and coupled to the connection unit, and serves as an AP for performing online payment by communicating with a purchaser terminal using short-range wireless communication. battery.

The method according to claim 1,
The AP module,
A battery having a short-range communication module, characterized in that to communicate with a buyer terminal using the short-range wireless communication to provide identification information for performing an online payment.

3. The method of claim 2,
Wherein,
Battery with a short-range communication module, characterized in that any one of a serial number, AP ID.

The method according to claim 1,
The AP module,
A battery having a short-range communication module coupled to the connection unit to receive the driving power, and implemented as one functional block physically coupled to the connection unit.

The method according to claim 1,
The AP module,
A battery having a short-range communication module coupled to the connection unit to receive the driving power, and implemented as a separate functional block physically separated from the connection unit.

6. The method of claim 5,
The AP module,
The battery having a short-range communication module connected to the USB port of the vehicle is implemented to receive driving power from the battery in the vehicle.

6. The method of claim 5,
The AP module,
Battery connected to the USB port of the user terminal is provided with a short-range communication module, characterized in that implemented to receive the driving power from the battery therein.

The method according to claim 1,
The short range wireless communication,
The battery having a short-range communication module, characterized in that any one of Wi-Fi (Wireless Fidelity), Bluetooth (bluetooth), Zigbee (zigbee), and UWB (Ultra Wide Band).

An AP module coupled to a battery to receive driving power and serving as an AP for communicating with a purchaser terminal using short-range wireless communication to perform an online payment;
A consumer terminal receiving identification information from the AP module through the activated mobile application, selecting a menu from menu information based on the identification information received, and requesting payment for the selected menu;
An intermediate server that provides menu information and affiliated store information based on the identification information; And
A payment server processing a payment for the menu requested from the consumer terminal;
Online payment system using a battery having a short-range communication module comprising a.

10. The method of claim 9,
The AP module,
An online payment system using a battery having a short-range communication module, which is physically coupled inside the battery and is configured to receive driving power from the battery.

10. The method of claim 9,
The AP module,
An online payment system using a battery having a short-range communication module connected to a USB port of the vehicle and configured to receive driving power from a battery in the vehicle.

10. The method of claim 9,
The AP module,
An online payment system using a battery having a short-range communication module, which is connected to a USB port of the user terminal and is configured to receive driving power from a battery therein.

10. The method of claim 9,
The consumer terminal,
An online payment system using a battery provided with a short-range communication module, characterized in that the provided identification information to the intermediary server and the menu information and merchant information are provided based on the identification information provided from the intermediary server.

10. The method of claim 9,
The consumer terminal,
Online payment system using a battery with a short-range communication module, characterized in that for activating the mobile application according to the consumer's choice.

10. The method of claim 9,
The consumer terminal,
When entering the store, the on-line payment system using a battery with a short-range communication module, characterized in that the short-range communication with the AP module to automatically activate the mobile application according to the communication result.

10. The method of claim 9,
The consumer terminal,
When the menu is selected based on the menu information and the merchant information provided from the intermediary server, the mobile payment card is selected for payment, and the payment server requests payment for the selected menu using the selected mobile payment card. Online payment system using a battery provided with a short-range communication module, characterized in that.

An online payment method using a battery provided with an AP module that serves as an AP for performing online payment by communicating with a purchaser terminal using short-range wireless communication,
A consumer terminal activating a mobile application and receiving identification information from the AP module through the activated mobile application;
Receiving, by the consumer terminal, menu information and affiliated store information from an intermediary server based on the identification information; And
Selecting, by the consumer terminal, a menu based on the menu information and the affiliated store information and requesting a payment server for payment of the selected menu;
Online payment method using a battery having a short-range communication module comprising a.

18. The method of claim 17,
The step of receiving the identification information,
The online payment method using a battery equipped with a short-range communication module, characterized in that the consumer terminal activates the mobile application according to the consumer's choice.

18. The method of claim 17,
The step of receiving the identification information,
When the consumer terminal enters the store, the online payment method using a battery provided with a short-range communication module, characterized in that the short-range communication with the AP module to automatically activate the mobile application according to the communication result.

18. The method of claim 17,
Registering, by the seller terminal, the identification information and the seller information of the AP module with the mediation server;
Online payment method using a battery provided with a short-range communication module further comprising.

21. The method of claim 20,
Wherein,
Online payment method using a battery provided with a short-range communication module, characterized in that any one of a serial number, AP ID.

21. The method of claim 20,
The seller information,
An online payment method using a battery provided with a short-range communication module, characterized in that it comprises at least one of merchant information, menu information, and account number information.

18. The method of claim 17,
Requesting the payment server,
When the consumer terminal selects a menu based on the menu information and the affiliated store information, the consumer terminal selects a pre-installed mobile payment card and requests the payment server for payment of the selected menu using the selected mobile payment card. Online payment method using a battery equipped with a short-range communication module.

18. The method of claim 17,
Requesting the payment server,
Providing, by the consumer terminal, phone information to the intermediary server;
Displaying, by the intermediary server, a list of financial company information registered to match the received phone information to the consumer terminal;
Determining, by the consumer terminal, whether a card name or a bank account name to be used is selected from the list displayed in the list display step;
Requesting, by the consumer terminal, generation of card information of an online ID to a payment server corresponding to a card name or a bank account name selected in the card selection step;
Receiving, by the consumer terminal, online ID information generated at the payment server;
Requesting, by the consumer terminal, payment processing by transmitting a payment cost and the online ID information to the payment server;
Online payment method using a battery provided with a short-range communication module comprising a.

25. The method of claim 24,
The online ID is,
On-line payment method using a battery with a short-range communication module, characterized in that when the payment is completed or the payment is not made for a predetermined time.