KR20150014055A - NFC (security card) Tag touch with him through the book, ordering and payment service is reliable way - Google Patents

Abstract

Disclosed are an advance order through NFC (security card) tag touch by an NFC phone of a service product user (purchaser) and a secure payment service method using the same. The method distributes a card including a service usage card (deferred payment, direct payment, mileage, point, personal authentication, IC chip, transportation card, cash-deposit certificate) to an NFC (security card) tag including service product content and registration number supplied from at least a service provider, and executes service product reservation, order, application and secure payment through the distributed NFC (security card) tag. The method receives payment money including payment money per each service product usage which is contracted to service from the service provider, and transmits a usage statement including the payment money per applied service product usage to a mobile phone of each user (purchaser) member stored in a member database in correspondence to the service product content included in the received payment money, and receives payment approval per service provider from the user (purchaser) mobile phone and then stores the payment approval in the user member database and a supplier member database, and transfers payment-approved request money to a supplier account from a payment account of each user (purchaser). Also, the method controls and executes the smart phone of the user by transmitting by NFC (security card) tag touch connected through near field communications network, and executes an application by an inputted and established sequence, by transmitting a secure payment execution command to the mobile terminal of the user (purchaser) through encoded unique identification number (data) of each person.

Description

[0001] The present invention relates to an NFC (security card) tag contact with a reservation / order and a secure payment service method using the same,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a reservation / order via NFC (security card) tag contact and a secure payment service method using the same,

More specifically, by simply contacting the NFC phone using a short-range wireless communication electronic identification NFC (security card) tag that is provided to easily purchase and use food delivery order, product order, reservation, etc., Service product reservation and order, and a secure payment service method using the same.

The present invention relates to a method and apparatus for using an NFC (Secure Card) tag to secure the security of an electronic financial transaction through a smartphone of a user (purchaser) The authentication of the GPS position information led in the mobile communication terminal and the addition of the one-time encryption code, which is a unique random number that can identify the member, to the user through another separate factor. Service method.

Consumers who are busy day-to-day can search for and use daily information such as ordering food orders, ordering items, etc. In most cases, you can use the company's phone number as a sticker with a messy sticker attached to your home including a mall handbook, a local information magazine, a phone book, There is the inconvenience of requesting a reservation or delivery order by telephone or by receiving 114 guidance.

As a result, consumers are faced with the inconvenience of handling ad leaflets and booklets that flood like floods every day, and the need to adhere or store the order stickers and free coupons dirty.

In recent years, as the use of smart phones has become commonplace, services that are provided through the Internet can be reserved, ordered, or paid through smart phone terminals.

If an application is not installed in advance when using such a service, it is necessary to contact the application server by touching and executing several times as required by the service provider to download and install the application after accessing the store or market. There is.

As a result, users who are reserving, ordering, or paying for food and products substantially lack APP convenience

In addition, in the process of popularization of NFC phones, we are far ahead of blind expectation of RFID market proliferation, and as NFC technology application is expanding rapidly as it is converted to mobile wireless communication environment, NFC mobile The service has been tried variously, but every time I feel limited to the proliferation, it is disappointing.

In addition, as the openness and accessibility of wireless networks triggered by smartphones have expanded, the words "electronic wallet" and "smartphone payment" have become quite familiar stories

Unlike the familiarity, most people do not know what smartphone payment system is and how to pay.

After selecting a product, the payment process is still troublesome, such as not only inputting card information and personal information but also executing a payment application after installing a separate security module or receiving an authentication number by SMS.

Also, as the payment market is activated through smartphone, malicious code becomes more. It is necessary to improve the system of settlement system based on the assumption that information related to settlement due to installation of malicious APP can be leaked, and a new settlement platform that can solve the hacking and security problems pointed out as the biggest problem of smartphone settlement .

In order to solve the above-mentioned problems, a service user (buyer) can contact NFC (NFC) with an NFC phone to set desired information with a simple touch, input and store set information, (Security card) Just touching the tag, the service that the user (buyer) wants (food delivery order, product order, reservation) and

A one-time encryption code with a unique random number that identifies the member with a password through the SSL (Encrypted Authentication Communication) and OTP (One-time Password Generator), SMS (Short Message Service) The present invention provides a system and a method of operating the system that can securely use purchasing and settlement by enhancing the convenience of the user (purchaser) by using the safe payment according to the purchase of the product most efficiently.

It is an object of the present invention to solve the above-mentioned problems, and it is an object of the present invention to provide a security payment function, which can be stored at a physically designated location in a separate area of a mobile device, stored in a remote network or a secure separate security server, And to provide a system and method that can be used.

An object of the present invention is to provide a method and system for storing a card and account information in a USIM chip in a mobile phone and paying in a non-contact manner in an off-line store using a local wireless communication technology, And to provide a system and method that can easily use a secure settlement service.

In order to solve the above problems, an object of the present invention is to provide a method and system for reserving and ordering via a short-range wireless communication electronic identification NFC (security card) tag contact and a secure payment service method using the service, (Security card) tag with an NFC phone by simply contacting the tag with the NFC phone.

Another object of the present invention is to provide a method and system for distributing electronic identification NFC (security card) tags by a supplier for promoting a business, thereby allowing users (buyers) to register a service product order (food delivery order, product order and reservation) And to provide a system and a method that can naturally induce the same.

In order to achieve the above object, an apparatus of the present invention includes an NFC (Security Card) Tag (RF Radio Frequency Identification / IC chip integrated card) storing service provider and user (purchaser) identification information, (Smart phone) and an NFC electronic identification tag reader,

Service provider and user (buyer) Identification Tag Reading service provider and user (buyer) identification tag information such as service product information, payment information, order information, reservation information stored from tag, and registering and managing service goods in response to the read information And a server for automatically registering and managing the service goods and managing the service goods and the secure settlement processing information in the server.

In the present invention, the NFC Phone uses a service user (buyer) identification information (service product information, payment information, order information, reservation information, usage information, delivery information, payment method) that leads an NFC And a service program for automatically transmitting a telephone number to a telephone number and transmitting a user telephone number, service product application, purchase and settlement information when a call connection is established.

In the present invention, the NFC (Electronic Identification Tag) is read through the NFC Phone Tag reader, and the service product supplier information, which is the service goods supplier information, via the URL and icon generated in response to the read service goods supplier identification information And a service application and settlement server in which a purchase and relief payment amount is automatically inputted.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made to solve the above problems occurring in the prior art, and it is an object of the present invention to provide a radio frequency identification (RFID) (IC card built-in card) can be easily contacted or contacted by one touch. After confirming service identification information (service product information, payment information, order information, reservation information, usage information, delivery information, payment method, etc.) The present invention provides a system and method for easily using a secure settlement service by simply contacting an NFC (security card) tag with an NFC phone using a reservation / order through contact and a secure payment service using the secure contact.

Another object of the present invention is to provide an NFC (NFC) phone which is automatically requested an application for service use and relief payment by touching an NFC (security card) tag which is identification information with an NFC phone Security card), reservation, order, secure payment through tag contact, and service method using the same.

Another object of the present invention is to provide a method and apparatus for easily setting a service using a contact or a touch operation by using unique identification information as an NFC phone (smart phone), reserving, ordering through an NFC (security card) And to provide a secure payment service method using the same

However, the object of the present invention is not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

Another object of the present invention is to provide a reservation / order through NFC (security card) tag contact with a NFC phone which can maximize profit by increasing the number of users by applying the service to other fields, and a secure payment service method using the same .

In this case, it is preferable that the NFC (security card) tag display panel is a plastic credit card type (paper, rubber, pad, vinyl) including service provider unique identification information having an electronic identification tag Do.

Further, in the present invention, information (telephone number, mobile communication company, authentication number receiving letter, authorized certificate, ISP certificate, card number, expiration date, password, etc.) necessary for a micropayment payment from a smartphone is displayed on a liquid crystal screen (NFC) tag contact, and a secure payment service method using the same.

In addition, malicious code in the smartphone according to the present invention. It is necessary to make a settlement so that settlement can be made only when a security program such as keyboard security is installed such as Internet banking in the case of payment of an Internet credit card by improving the settlement method system on the premise that payment related information can be leaked when malicious application is installed. Phone with NFC (security card) tag contact, and a secure payment service method using the same.

In the present invention, the user's phone automatically performs an authentication procedure using a one-time encryption code, which is a unique random number capable of identifying the GPS position information and the member, using a smart phone, through a communication network in a service security server, And a location service program for transmitting the location detail address when this is done.

The present invention relates to a method of reserving and ordering a service product by simply touching with an NFC phone and a method of relieving payment service using the same, and is characterized in that an execution command is transmitted through a unique identification number (disposable encryption code) The system according to claim 1, wherein the application is executed in accordance with information set and transmitted to the user (purchaser) smartphone, and the smartphone is provided with a service to which the means for activating or removing the security is added, Program.

Another object of the present invention is to transmit a command (data interface) to a smart phone to activate a smart phone power and to perform a security lock to generate a one-time encryption code with a unique random number capable of identifying a member stored at the time of secure payment (Secure card) tag contact that makes it impossible to operate the smartphone by hacking due to malicious code by matching and sending the payment request together with the payment request, and a secure payment service method using the reservation and order

Another object of the present invention is to generate a one-time encryption code with a unique random number capable of identifying a member and send command-in data (interface) to the smartphone to activate and unlock the smartphone power, Characterized in that it is constituted so as to provide a service additionally provided with means for generating and matching a one-time encryption code with a unique random number capable of identifying the member and removing or blocking the means of security control when there is a request from the user (NFC) tag contact, and a secure payment service method using the same

Another object of the present invention is to provide a smart card which is capable of controlling a smart phone through an NFC (security card) tag and transmitting a secure payment execution command to a user smart phone through a unique identification number (disposable encryption code) ) Tag contact, and a secure payment service method using the same

It is another object of the present invention to provide an NFC (Secure Card) Tag which is characterized in that payment information is automatically stored in a smart phone memory at the same time that the payment confirmation process is promptly transmitted to a user smart phone through a speaker phone TTS (Text To Speech) Reservation and order through contact, and a secure payment service method using the same

Another object of the present invention is to provide a service that can further increase reliability by providing an additional authentication means through a separate factor for authenticating a transaction terminal of a user in order to secure the safety of an electronic financial transaction Wherein the system management program is a system management program.

Another object of the present invention is to provide a security server that encrypts personal information so that it can be protected even if hacking is performed, and can securely transmit a password at login, a resident registration number at the time of membership registration, Program.

Another object of the present invention is to provide a smart card for a user (purchaser) to a user (purchaser) for suspicious transaction of hacking, such as a case where a unique identification number (one-time use encryption code) (TTS) (Text To Speech), and reservation, order through NFC (security card) tag contact which can prevent damage, and secure payment service method using it.

Another object of the present invention is to provide a method and system for providing reservation and order using an NFC (security card) tag contact which can use only APs that are confirmed at the time of accessing the Internet and can automatically control APPs not using the 3G network, Method.

Another object of the present invention is to change the setting so that the smartphone does not automatically select the surrounding AP. NFC (security card) which can change 'Automatic' to 'Manual' from 'Network connection request' after selecting 'Wi-Fi' Method.

Another object of the present invention is to provide an NFC (security service) system in which a messenger program or the like, which is always on in a smart phone, can be controlled through setting of APPs so that a user (purchaser) Card) tag contact, and a secure payment service method using it.

Another object of the present invention is to provide a method and system for providing an authentication key (NFC) to a smartphone user (buyer) through an AP (mobile communication network) Security card), reservation contact through Tag contact, and secure payment service method using it.

In order to achieve the above object, the method of the present invention connects an NFC (security card) tag (RF radio frequency identification IC card built-in card) in an NFC phone to display the read URL information and tag information, When the information is touched, the packet is connected to the server through the packet communication network,

(NFC) electronic identification tag (RF radio frequency identification / IC chip built-in card) registered with the NFC (security card) electronic identification tag (RF radio frequency identification / IC chip built-in card) ≪ / RTI >

If the NFC (security card) electronic identification tag (RF radio frequency identification / IC chip integrated card) is registered in the server, the tag check information is transmitted to the NFC phone through the packet communication network. The mobile communication terminal executes an automatic telephone call to the server through the line communication network,

The server extracts the safe payment number by generating a one-time encryption code using a password and a unique random number capable of identifying the user (purchaser) member of the service-use user (purchaser) of the call-connected NFC phone through the circuit communication network, The buyer's phone number is registered in association with the tag information, the member registration confirmation information is transmitted from the server to the user (buyer) NFC phone through the data communication network (packet and line), and the member registration confirmation information is received from the NFC phone And displaying the completed member registration on the screen.

In the present invention, a one-time encryption code is generated by a user (purchaser) with a desired service (food delivery order, product order, reservation) and a password capable of identifying a member and a unique random number, The present invention relates to a service method capable of secure settlement only by contact with an NFC phone using a unique identification information database and an NFC (security card) tag.

Activating the smartphone through an NFC (security card) tag capable of short-range communication, confirming whether the GPS location-based authentication information and the one-time encryption code information are a password capable of identifying a member registered in the service and a unique random number ;

A smartphone for viewing an icon, URL information, and information from the control center at present, a touch screen for displaying location information or registered information transmitted from the control center, A memory for storing the smartphone location information and the smartphone terminal number using information, a keypad for key input,

When the smartphone is activated through the NFC (security card) tag for short-range communication, it is displayed on the smartphone touch screen,

When the icon and the URL information displayed on the touch screen are touched, data communication is connected to the server through the packet communication network according to the icon and the URL information, and the current location information of the GPS and the input stored information are matched,

A one-time encryption code is generated using the transmitted information and a unique random number capable of identifying a service (food delivery order, product order and reservation) desired by the smartphone user (buyer) and the member, When the service application information is confirmed

And a control unit for extracting a user (buyer) caller number received through a communication network of the server through a communication module and performing registration of a service application status of the server, wherein the management server transmits the application result to a smartphone of a service user .

The NFC phone capable of one-touch member registration of the present invention includes an NFC Tag reader for reading URL information and Tag information from an NFC (security card) tag (RF radio frequency identification / IC chip built-in card) A touch screen for displaying information and tag information, a communication module for connecting a data communication to a server through a packet communication network and making a telephone call connection through a line communication network,

A memory for storing the read URL information and NFC (security card) tag information, a keypad for key input, URL information and NFC (security card) tag information read through the NFC Phone Tag reader are stored in the memory When the URL information displayed on the touch screen touches the touch screen, data communication is connected to the server through the packet communication network according to the URL information to transmit NFC electronic identification tag (RF radio frequency identification / IC chip built-in card) information and,

And a controller for performing a member registration of the server by transmitting a phone call connection of the server through the communication module and transmitting the service use applicant's telephone number when it is confirmed that the transmitted Tag information is registered in the server connected to the server.

The server capable of one-touch member registration of the present invention includes a web server for data communication connection through a packet communication network, a caller number extracting unit for extracting a caller number when a telephone call is connected through a line communication network, URL information from an NFC electronic identification tag, A service provider NFC electronic identification tag (RF radio frequency identification / IC chip built-in card) database storing NFC Tag service information, a user member database storing member information,

When the NFC Tag information transmitted from the NFC Phone connected to the data communication via the web server is received, the tag information is retrieved as tag information stored in the service provider NFC electronic identification tag (RF radio frequency identification IC chip built-in card) database. And provides information for confirming that the NFC phone is a service registration tag,

If a telephone call connection is established from the NFC phone through the line communication network, the call connection number extracting unit extracts the call connection user number and extracts the extracted user (purchaser) number and the received service provider NFC electronic identification tag And IC card integrated information), registers the service product application result in the user member database, and transmits the result of the service application or the like to the NFC phone.

The data of the GPS position information activated and transmitted to the user (purchaser) smartphone through the safe payment execution command through the user (purchaser) unique identification number (one-time encryption code data with the unique random number capable of identifying the member) Purchaser) terminal and generates a one-time encryption code with a unique random number capable of identifying a service (food delivery order, product order, reservation) desired by the user (buyer) through the authentication procedure and identification of the member, Wirelessly accesses the data and wirelessly transmits the accessed data to the control center

If the information transmitted by the smartphone is correctly matched, and if the information is registered in the server, the confirmation information is transmitted to the settlement agency server through the packet communication network. When confirmation information is received from the smartphone, And registers the settlement information in association with the current service application information in the server connected to the server through the line communication network,

Transmitting the registration confirmation information from the server to the user (purchaser) smartphone through a data communication network using voice TTS (Text To Speech), and displaying the confirmation information on the screen when the confirmation information is received from the smartphone.

According to an aspect of the present invention, there is provided a method for applying a service product through an NFC (security card) tag contact with an NFC phone and a one-

An NFC phone for confirming whether the tag is a registered tag in the service through an NFC (NFC) tag contact and viewing the result of the one-touch payment using the icon and URL information from the control center and the one-touch payment result using the tag, A touch screen for displaying a service product application and payment process,

A communication module for connecting a data communication to a server through a packet communication network and establishing a telephone call connection through a line communication network and a one-touch payment method using a one- A keypad for inputting a key,

When the icon and URL information display portion displayed on the touch screen touches the touch screen through the NFC Phone (service item application, payment amount and result set with one-time password) and communicates the packet communication network by the icon and URL information, And transmits the payment information when the service is applied. The service product purchase application and registration are automatically stored in the user member database as the transmitted information

Transmitting the service product application registration confirmation information from the server to the service provider member smartphone and server through the data communication network and displaying the completion of the application upon receipt of the registration confirmation information from the service provider NFC Phone server .

Confirming whether the information is the service identification information registered in the service through the NFC card with the NFC phone; An NFC phone for viewing an icon, URL information and service information from a control center, a touch screen for displaying service goods information or registered information transmitted from the control center,

A memory for accessing a server through a packet communication network and storing detailed input information using the transmitted information, a keypad for key input,

When the detailed product information is confirmed on the server to which the service product information is currently connected, a control unit for accessing a telephone call of the server through the communication module and extracting the caller number of the received applicant, To the NFC Phone of the applicant.

When the settlement of the settlement amount set by the one-time password authentication is confirmed to the server to which the settlement information is connected and the payment is confirmed, the server transmits a telephone call connection through the communication module to receive the secure settlement service application to be used, .

If there is a telephone call connection from the NFC phone through the line communication network, the call connection number extracting unit extracts the caller's service user (buyer) number, and the extracted user (buyer) number is matched with the received service product application content and the secure payment information So

And a management server for registering in the database and transmitting the one-time payment encrypted number and the verified data through the service product application and the secure payment method to be used to the smartphone.

According to an aspect of the present invention, there is provided a service product application and a one-touch payment method through an NFC (security card) tag contact with an NFC phone in accordance with the present invention includes: contacting an NFC (security card) The data of the goods supplier information is received by the user (buyer) terminal and the user (buyer) accesses the data wirelessly

Further touches the accessed data and touches the icon and URL information displayed on the smart phone, wirelessly transmits to the control center through the packet communication network, connects to the server, determines whether the information transmitted to the server is correctly input,

If the service product requested by the member is the registered information, the confirmation information is transmitted to the NFC phone through the packet communication network. When confirmation information is received from the server in the NFC phone, confirmation is performed to the server through the communication network, And registers the contents of the service goods to be used by associating the member caller number extracted from the call connection server with the service information,

The reservation / order via NFC (security card) tag contact according to the present invention and the secure payment service method using the same map various information required by the user (buyer) with information matched according to the classified type to find accurate information ,

Confirming whether the classified types match any one of smart phone terminal setting conditions by matching the authentication of the found smartphone terminal GPS location information with the one-time encryption code which is a unique random number capable of identifying a member; Identifying at least one of the classified types according to a situation associated with a matching mapping condition;

A reservation / order via NFC (security card) tag contact, which performs a process of extracting or combining situation information according to the mapping processing method input to the database from the information in the database, and a secure payment service method using the same .

And a generating unit for searching a database that is the same as or including the type of the information and extracting or combining the situation information according to the input information processing method from the information associated with the database to generate information , Reservation / order through NFC (security card) tag contact which further regulates the type element on condition of backward matching, and a method of relief payment service using it

The reservation, order, payment, and service using NFC Tag contact according to the present invention can be classified into a standardized information processing program, a classification of the items into the configurations of service product types, And a management server that can sequentially set the information and the process of identifying the information.

The reservation / order via NFC (security card) tag contact according to the present invention and the secure payment service method using the same can be classified into a unique random number capable of identifying a member through a service (food delivery order, product order, reservation) A database capable of determining a systematic elimination, addition, and merge of systematic matching conditions using a one-time encryption code;

The reservation / order via NFC (security card) tag contact according to the present invention and the secure payment service method using the same include a standardized service product processing program and the unique identification information (smartphone terminal number, document number, card name, A one-time encryption code that is a unique random number that identifies a card number, expiration date, password, and member. Transaction date, installment, buyer, approval number, supply price, VAT service charge, total, supplier name, A business name, a business name, a business name, a business name, a business name, a business name, and the like), identifies the classified types according to the sequential type order, and a management server that can sequentially set detailed information.

In order to achieve the above object, according to the present invention, it is possible to automatically correct duplicate information or partial missing information of a user (buyer) inputted by reservation / order through NFC (security card) tag contact and secure payment service method using the same, On the basis of this, it has the effect of providing accurate standardized application, order, and settlement data corresponding to each service product application system.

According to an aspect of the present invention, there is provided an information processing system including a service center for receiving data of service goods information received from a control center by a user (purchaser) terminal, accessing data wirelessly, If you connect to the server through the packet communication network,

If the information is registered by the NFC phone, the confirmation information is transmitted to the NFC phone through the packet communication network. If the NFC phone receives the confirmation information from the server, the confirmation is executed through the communication network And registers the service product application by linking the current service product application information with the secure settlement information in the server connected to the server through the communication network,

The server transmits the service product application registration confirmation information to the supplier NFC Phone (smartphone) to supply the service product through the data communication network, and when the confirmation information is received from the NFC phone, displaying the application completion screen on the screen .

The method of the present invention for achieving the above object is a method of providing a service using a NFC (security card) tag including at least a service provider (business information, registration number) unique identification information, a service utilization card (deferred payment, debit, mileage, · Transportation cards · voucher cards)] to individuals,

When a registration request is made to the user's member server together with the NFC phone number of the service user to receive the distributed NFC (security card) tag information, the registered phone number, registration number, unique identification information, and NFC (security card) Card (postpay, debit, mileage, point, personal authentication, IC chip, traffic card, voucher card)] and registers the application for purchase of service goods in the management database.

In the present invention, the NFC (security card) tag is a card including an electronic identification tag in which a service product supplier (business information) telephone number, registration number and unique identification information (service product application usage information, encrypted payment method) (Buyer) It is most preferable that the mobile phone is composed of an NFC phone including an electronic identification tag reader.

In addition, the NFC (Security Card) tag is a service credit card (postpaid, debit, mileage, point, personal authentication, IC chip) storing the service provider's telephone number, registration number and unique identification information A transportation card, a voucher), and the registration application and payment approval can be configured so that encrypted one-time data is automatically generated and executed.

In addition, the NFC (SecureCard) tag is a credit card, debit card, or prepaid card that stores the service provider phone number, registration number, and unique identification information (one-time encrypted payment method) .

The system of the present invention includes at least a NFC [service utilization card (postpaid, debit, mileage, point, personal authentication, IC chip, transportation card, Gift certificate)] Electronic identification card,

The information stored in the electronic identification card is read and the service identification information is provided to the connected server by accessing the server with the service user's telephone number that has been read to register the service identification information together with the telephone number of the user (purchaser)

A user NFC phone for receiving the service goods provided from the server, and a payment service program encrypted using the service goods and the one-time service, receives each service product use and settlement information, And a server for electronically notifying each user (purchaser) of the service using payment amount information to a registered user (buyer) NFC phone.

Therefore, it is very convenient to use because it is possible to apply for service product use and secure settlement by the program by one tagging operation.

In the present invention, it is preferable that the electronic identification card is in the form of a dual credit card described in addition to the electronic identification tag in which the service provider telephone number, registration number, and service identification information (payment method, service use) are stored.

It is preferable that the account of the user (buyer) is either a mobile account of the user's mobile phone, a payment account of the transaction financial institution of the user, or a card payment account.

Therefore, it is convenient and easy to use because it is convenient to use the service and make payment at the same time without the inconvenience of handing over the mobile phone to execute the APP or separately to pay for the service use and application.

As described above, the reservation / order via NFC (security card) tag contact according to the present invention and the secure payment service method using the same are transmitted by short-distance communication by NFC (security card) tag contact, ) It is transferred to smart phone and control is executed by one touch only

In order to easily and easily use the service product purchase, application and settlement according to the embodiment of the present invention, an NFC (security card) tag is distributed to submit a credit card and a point card Hassle and

It is convenient and can be used instantly when it is needed because it can pre-order and pay for service goods without the inconvenience of handing over the mobile phone to run APP or pay separately.

In addition, it is very convenient that the service product application between the applicant of the service product purchase and the service product provider can be made instantly by using the mobile phone by application.

The present invention generates a one-time encryption code with a unique random number capable of identifying a member through an NFC (security card) tag so as to be suitable for an NFC Phone environment having an RFID tag reader, It is possible to promote the increase in the number of users of the service because it can be very convenient, and the profit of the service utilization is increased.

1 is a block diagram of a service product use system according to the present invention;
2 is a schematic configuration diagram of an NFC phone according to the present invention
FIG. 3 is a diagram illustrating a service product NFC card image resolution
FIG. 4 is a flow chart of the service product user NFC phone (APP installation process) and resolution
FIG. 5 is a flowchart illustrating a service product provider NFC Phone (APP installation process)
FIG. 6 is a flowchart illustrating a process of installing an APP according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a service billing and payment process according to the present invention.
FIG. 8 is a flowchart of service application registration according to the present invention.
9 is a schematic diagram of a system for using the NFC Phone service product according to the present invention (member registration and APP installation process)
FIG. 10 is a flow chart of a system for using an NFC Phone service product according to the present invention (member registration and APP installation process)
Fig. 11 is a schematic diagram of service product reservation using NFC phone according to the present invention
FIG. 12 is a flowchart showing service product reservation using the NFC phone according to the present invention
FIG. 13 is a diagram illustrating a service product delivery usage plan with an NFC phone according to the present invention
FIG. 14 is a flow chart showing service goods delivery using the NFC phone according to the present invention

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described in more detail with reference to the accompanying drawings. While the present invention has been shown and described with reference to certain preferred embodiments thereof,

Specific embodiments are illustrated in the drawings and described in detail in the text. It is not intended to be exhaustive or to limit the invention to the particular forms disclosed,

It is to be understood that the invention is intended to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

FIG. 1 is a block diagram illustrating a configuration of a service product using system according to the present invention, and FIG. 2 is a schematic configuration diagram of an NFC phone according to the present invention

FIG. 3 is an image diagram showing an example of a service product NFC card according to the present invention, and FIGS. 4 to 5 illustrate a service use APP operation using an NFC phone (APP installation process) of a service product user and a provider according to the present invention Fig. FIG. 6 is a smartphone image resolution of a service product application payment process through NFC (security card) tag tagging in the APP installation process according to the present invention.

FIG. 7 to FIG. 8 are flowcharts of service billing, settlement, application, and registration according to the present invention

FIG. 9 to FIG. 10 are a flowchart and a flowchart of an APP installation process and a service product use system for registering a member with the NFC phone according to the present invention

FIG. 11 to FIG. 14 are a diagram and a flowchart of a service product reservation, order, delivery, and service product use system using the NFC phone according to the present invention.

First, the service goods purchasing user database 111 is interfaced with the payment server system 600 through a financial network as a provider server that performs a service product application and a one-touch payment service business through contact with an NFC (security card) tag 500 .

The service control center server 100 opens the service product provider telephone number 520 of "1544-2277" and is connected to the NFC phone 400 of the service product purchaser 111 through the existing wired / wireless communication network 200.

The service goods supplier control center server 100 manages service product registration of the service goods suppliers including the goods registration database 112, transmits the service use details to the NFC phone 400, and provides the inquiry service and the like.

The control center manages the registration of the service provider 112 and issues and manages an NFC card 500 that can use the creation of the integrated service use number 125 and the registration, modification, and deletion of the integrated management service product.

A payment account password is generated with a one-time encryption code in connection with a payment method of service users (buyers) registered through a service product user (purchaser) server 111, registered and stored, and linked through a computer network of the settlement institution 600.

Also, it is possible to provide a legal guarantee for the service product purchase contract between the service goods supplier 112 and the service product user (buyer) 111, and to secure the personal information of the user (buyer) Control by code.

If it is determined that the NFC (Security Card) tag 500 read by the user (buyer) is a registered tag and the Tag is a registered Tag, the user (purchaser) And generates a password by linking the extracted telephone number of the user 130 (purchaser) 111 with information of the service NFC (security card) tag 500 and extracts the generated password as a unique random number capable of identifying the member Generates a one-time encryption code, and registers and stores the one-time encryption code in a manner matching with the user (purchaser) 111 NFC phone 400.

The user (purchaser) 111 contacts the identification information NFCTag with the NFC Phone 400 to determine whether the registered tag is a registered Tag, and the service product application and the encrypted payment password are automatically activated and transmitted to the user (purchaser) NFC Phone (Buyer) NFC phone 400 by touching the activated URL information and the icon on the icon 400 and extracting the telephone number connected to the server by the user (buyer) NFC phone 400, Use, settlement information).

When the user (purchaser) NFC phone 400 performs safe payment for the service product application and settlement and authenticates the GPS position information led from the mobile communication terminal 400 used by the user in order to secure the safety of the electronic financial transaction, The one-time encryption code, which is a unique random number that can be identified, is automatically transmitted from the security server through the mobile communication network of the user through additional personal identification through the separate security server 114. [

And a location authentication service program for matching the authentication of the GPS location information and the one-time encryption code, which is a unique random number capable of identifying the member, when the call connection 220 is performed.

The service goods supplier 510 may be a delivery order, shopping order, commodity order price, commodity reservation price, which is composed of a personal computer, a POS system or a smart phone 510, .

The contents of the service goods and the service provider telephone number (1544-2277) (530) are printed on the front surface of the service card 500, and are provided on the front and rear surfaces as advertisement surfaces.

Service The NFC (Security Card) Tag (500) is a general plastic card, bank credit card, debit card, debit card, mileage card, point card, personal identification card, IC chip card, transportation card, (A card in which an electronic identification tag is planted).

When the service user (purchaser) accesses the service NFC (security card) server 113 and requests registration of a new service product application, the service NFC (security card) server 113 transmits an encrypted code number using a new service product (Purchaser) registered in the payment server and then requests the service goods supplier 112 for a service through the database 110 if the user is a registered user (purchaser).

When the service merchandise supplier 112 approves the application registration of the service user (buyer) number, the approval information is transmitted to the service user (buyer) server 111 through the payment server 600 and the service user (buyer) 111 informs the service user (purchaser) cellular phone 400 that the application registration is approved.

The user (buyer) can immediately confirm on the spot that the service product is applied and the service use contract is concluded through the NFC Phone screen showing the approval notice.

Therefore, the user of the service product (buyer) can immediately purchase the service without disclosing the personal information such as name, telephone number, resident registration number, and address.

When the service product use application is completed between the service goods supplier and the service product user (purchaser), the payment server 600 receives the charge amount from each service provider 112 according to the charge request of the service provider (S 340) S 630) to the service user (buyer) mobile phone 400.

When the service user (purchaser) approves payment by each service user (buyer) mobile phone 400, the payment server 600 delivers the payment approval information to the service provider 112.

In step S216, the service user (purchaser) 111 confirms the settlement approved amount in connection with the service provider account (S216).

In addition, in the control center 100 of the present invention, a web server 150 for connecting with the NFC phone 400 via the packet communication network 210 and a calling party number And an extracting unit 130.

The control center 100 also manages the service using NFC Tag database 113, the user member database 111, the supplier member database 112, and the security database 114 via the management server 120.

The NFC Tag database 113 includes the service number, registration number, URL information, and the like of the issued card 500. I.e., the tag containing card 500 issued. The user (purchaser) member database 111 stores data such as the contact phone number, the number of times of use, the usage fee, etc. of each member in order of the number of registered customers.

In the security database 114, in order to secure the safety of the electronic financial transaction, the authentication of the GPS position information led by the mobile communication terminal used by the user and the identification of the additional person using the one-time encryption code, And so on.

In addition, the control center server 100 may further include unillustrated service execution configurations. For example, if an unavoidable situation occurs, a service provider may have a relay for relaying a voice call or a character 140 of the user (purchaser) and the provider when the service is needed.

Referring to FIG. 2, the NFC phone 400 includes a tag reader 440, a touch screen 450, a keypad 430, a communication module 410, a memory 460, a display 420, a controller 470 ).

The tag reader 440 reads Tag information stored in the Tag memory operated by the current energy magnetically induced in the Tag antenna when the NFC Tag stored in the card 500 approaches the electromagnetic field. The tag information includes a URL, a registration number, and a customer number.

The touch screen 450 is formed by superimposing a touch panel and a display panel on a touch screen 450 of a conventional smart phone. The touch screen 450 senses a touch position on the touch panel by capacitive sensing to recognize a touch position, Display on the display panel. The touch screen 450 displays tag information that is read on the screen, that is, a URL, a registration number, and a customer number.

The control unit 460 executes an operating system of an i-phone or an i-phone and executes a general smartphone operation and executes various application programs downloaded from the application. The controller 470 activates the NFC Phone Tag reader 440 to read the Tag information and display the read Tag information on the touch screen 450.

The communication module 410 performs a normal smartphone communication protocol and connects the packet communication network 210 and the line communication network 220 at the same time. The communication module 410 performs a data communication connection to the server 120 through the packet communication network 210 under the control of the controller 470 and transmits a telephone call connection to the telephone circuit of the server 120 through the line communication network 220 .

The memory 460 comprises a semiconductor memory such as a flash memory, stores a program such as an application, and stores related Tag information.

The operation and effect of the present invention constructed as described above are as follows.

Referring to FIG. 9, the system of the NFC phone 400 is initialized (S 202), and the tagging operation of the tag reader 440 is detected (S 530). When the tagging operation is detected, the tag information (URL, registration number, customer number) read from the Tag reader 440 is stored in the memory 460

As shown in FIGS. 4 and 5, Tag information, that is, a URL, a registration number, and a customer number are displayed on the touch screen 450.

When the service goods NFC card 500 of FIG. 3 is tagged by the NFC phone 400, the service payment method (S 340) goods payment method is displayed on the touch screen 450 on the screen as shown in FIGS. 4 and 5 do.

If the contents of the service goods (S 340) and the goods payment amount (S 340) including the service provider unique identification information are generated, the input unit is checked and modified for each use of the service goods, and the URL and the icon are touched on the touch screen 450 The service product application registration is automatically registered in the user member database (111)

Referring to FIG. 4, FIG. 5, an APP (application) is downloaded as a simple operation and installed in the smartphone 400 automatically.

In the control unit 460, the touch screen 450 detects whether the service product is touched through the URL. When a touch is detected, the terminal accesses a server having a URL read through a packet communication network, and transmits tag information, that is, a service product application and a product use amount, to the connected server (S 212).

In step S111, it is determined whether registration tag confirmation information is received from the server in step S111. If the registration tag is confirmed in step S111, it is determined whether the registration tag is in the registration mode. When the member registration completion information is received from the server after dialing, registration completion is displayed on the touch screen (S 420) as shown in FIG.

13, the NFC phone 400 initializes the system (S 202) and searches the web server 150 for a connection request through the packet communication network 210 (210). If the same registration number exists in the tag information, the customer number is searched in the user member database 111 (S 111) to search for the registered member.

If it is detected (S 111), the registration number of the Tag information received through the management server 120 is searched in the Tag database 113 (122) and it is searched (122) whether the same number exists.

If it is an unregistered member in step S218, the NFC phone 400 requests registration of the member from the NFC phone 400 to the management server 120 (S130). The management server 120 stores the extracted caller number in the user member database 111 together with the tag information (service use information and payment information) to complete member registration (S 111).

If the call connection is established through the line communication network 220 (122) and call connection is established, the caller number extraction unit 130 extracts the caller number.

If the registration number of the tag information does not coincide with the registration number of the tag information in step 122, the NFC phone 400 transmits information indicating that the tagged card is not a tag issued from the server, i.e., the tag non-registered information,

In order to use such a service, a service user (purchaser) is required to receive and use the service utilization card 500 and to register the service in the service provider server 111 to use the service.

The input unit detects whether the icon and the URL display position are touched on the touch screen 450. When a touch is detected, the server accesses the server having the URL read through the packet communication network 210 and transmits information (service product application, reservation, use amount) to the connected server.

In the case of the service commodity application mode, it is discriminated whether or not it is the registration mode, and it is automatically registered in the user's member information database through the communication network.

When the user requests the service product of the present invention by request, the NFC phone 400 touches the icon and URL information to be requested through the touch screen 450 displaying the icon, URL information, and service product information, And the line communication network 220 to the management server 120

It is judged whether the information inputted by the service goods information S 123 received through the packet communication network 210 and the circuit communication network 220 is the member-registered information (S 111) The applicant applies the request for the service product to the service provider cellular phone 510 through the data communication network 200 by executing the product application procedure. When the application confirmation is executed, the completion of the application confirmation information is displayed on the screen (Fig. 4, S 420)

In addition, the present invention provides a data communication connection to the NFC phone 400 through the packet communication network 210 for easy use by ordinary citizens, and is stored in the memory 460 or in the user's membership database 111 through a simple operation By simply touching the service at the time of application, it is possible to apply and register service products (120) and to use services such as secure payment

And transmits information to the control center 100 to search for the member information stored in the user member database 111 and provides information for confirming that the registered member is the registered member information. If there is a call connection, the caller number extracting unit 130 extracts the caller-connected user (buyer) number,

The extracted caller number and the received service product information are matched and registered in the member database 111 and the management database 120, so that a service product application and payment can be performed by one-touch or simple touch operation of icons and URL information

As described above, since the service product reservation, ordering, and secure settlement can be performed with one touch, it is very simple and can increase the service utilization, thereby maximizing the profit and utilizing mutually trusted services.

In the embodiment described above, the one-touch service application, registration, and settlement have been performed, but member registration can be automatically performed by one-touch operation.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications, and variations will be apparent to those skilled in the art without departing from the spirit and scope of the invention. It can be changed.

For example, in the above-described embodiments, a method of reserving and ordering through contact with an NFC (security card) tag and a secure payment service method using the same have been described. However, the present invention is not limited thereto. It is possible to apply both of them. Therefore, the technical idea of the present invention should not be limited to the embodiments of the present invention.

100: Control center
110: Database
111: User database
112: supplier member database
113: NFC Tag database
114: Security database
120: management server
121: storage unit 122: retrieval unit 123: extraction unit 124: control unit 125:
130: Caller number extracting unit
140: SMS processing unit
150: Web server
200: Network
210: Packet communication network 220:
400: User smart phone
410: communication module 420: display 430: keypad 440: NFc tag reader
450: touch screen 460: memory 470: control unit
500: NFC card
510: Provider Smartphone
600: settlement agency server

Claims (45)

In order to reserve and order through NFC (security card) tag contact and secure payment service method using the same
In the NFC (security card) tag, a service product provider (business information), a service (product) and a user (buyer information [service utilization card (postpaid, debit, mileage point, personal authentication, IC chip, traffic card, Service card)] inputting, producing and distributing a card including a unique identification registration number;
Tagging the produced and distributed NFC (security card) tag with an NFC phone;
Connecting the created and distributed NFC (security card) tag with an NFC phone (smart phone), setting and inputting a service product application (registration) and a secure payment method in the read URL information;
Touching the URL information and the icon inputting the service application (registration) and the secure payment method to the NFC Phone (smart phone), connecting through the communication network to the server;
Determining whether NFC (security card) tag information read by the NFC phone and received by the server is a registered NFC (security card) tag;
Extracting a phone number of a call-connected NFC phone through a communication network if the NFC (security card) tag is a registered NFC (security card) tag;
Registering the telephone number of the NFC phone extracted from the server as a member by matching the service NFC (security card) tag information with the inputted information;
Generating and matching a one-time encryption code with a unique random number capable of identifying a member together with a password in the trusted secure payment method;
Transmitting the member registration confirmation information from the server to a service user (buyer / supplier) NFC phone through a data communication network;
Displaying the member registration completion on the screen when the member registration confirmation information is received from the NFC phone;
Requesting a user to apply for a service product to the service product use database at the time of purchasing or applying the service product;
Generating a list including use of service goods and payment amount from the service provider;
Generating and matching a one-time encryption code with a unique random number capable of identifying a member together with a password to be sent to the user;
Confirming the smartphone terminal number of the user;
Transmitting service contents to the mobile communication network used by the user by using the service items and payment amounts of the service goods stored in the member database in response to the service product usage application included in the received list;
Generating a GPS location address through the smartphone terminal of the user;
Further confirming the authentication of the GPS position information read from the mobile communication terminal that the user trades in order to secure the safety of the electronic financial transaction;
Further confirming the authentication through additional personal identification through a separate security server to secure the security of the electronic financial transaction;
The user confirms and approves each service product content and payment amount to the NFC Phone;
Receiving payment approval for each service provider and storing the received approval in the user database and supplier database;
Transferring a payment amount approved for payment from the payment account of each service product user stored in the user member database and the payment server to the supplier account;
The service user (buyer / supplier) contacts the NFC (NFC) tag with a simple touch, sets the desired information, inputs and stores the set information, and contacts the NFC (security card) (Buyer · Supplier) wants service (Order of food delivery · Order of goods · Reservation · Product registration) and Encryption authentication Communication · One-time password · Short text message · Smartphone security APP And a secure payment service using the NFC (Secure Card) tag contact reservation and ordering method characterized in that a one-time encryption code is generated and provided by a random number so that a safe payment can be made by purchasing a product The method according to claim 1,
The NFC (Security Card) tag includes a service provider unique identification information (a business registration number, a business name, a business type, a business introduction, a business telephone number, a detailed address, representative pictures (event photographs and events to be performed) (Menu) price information, coupon issuance and registration number] and service users [Payment methods for services (postpaid, debit, mileage, points, personal authentication, IC NFC (Secure Card) tag that can store information to be used by a customer, a service card, a chip card, a transportation card, a voucher card, a service card) (Security card) Reservation via Tag contact, ordering and secure payment method using it 3. The method of claim 2,
The NFC (security card) tag includes an NFC electronic identification tag (post-payment, debit, mileage, point, personal authentication, IC chip, transportation card) storing the service provider telephone number, provider unique identification information, Wherein the card is a card further including at least one service product use function, and the user's mobile phone is an NFC phone including an electronic identification tag reader. 3. The method of claim 2,
Wherein the electronic identification card is an integrated dual card having a service provider telephone number, service contents and a registration number on the surface thereof, and a payment function is further added to the service use card on which the service card is registered. How to use secure payment service 3. The method of claim 2,
Wherein the electronic identification card is an integrated dual card to which a service use function is further added to a card on which a service provider telephone number, a service content, and a registration number are written on a card surface having a payment function. How to make a reservation / order and secure payment using it 4. The method according to claim 2 or 3,
The NFC (Security Card) tag has an NFC (Security Card) Tag (RF Radio Frequency Identification / IC chip embedded card) storing service provider and user (purchaser) identification information, ) And an NFC electronic identification tag reader, wherein the reservation, order, and secure payment service method using NFC 4. The method according to claim 2,
NFC (secure card) tag which is issued for the convenience of using the service provided by the provider, reservation / order through tag contact, contact with NFC (security card) tag by NFC (NFC) tag contact, and a secure payment service method using the same. The system and method according to claim 1, 3. The method of claim 2,
The NFC (Tag) Tag display panel is composed of a plastic credit card type (paper, rubber, pad, vinyl) including service provider unique identification information having an electronic identification tag (RF radio frequency identification chip built- · Reservation and order through NFC (security card) tag contact which is characterized by being a cell phone, and a secure payment service method using it The method according to claim 1,
Wherein the account of the user (buyer) is any one of a mobile payment account of the user (purchaser) mobile phone, a payment account of a transaction financial institution of the user, a card payment account, or a mileage point. How to make reservations and orders via e-mail and secure payment services using them 10. The method of claim 9,
Wherein the service setting / secure settlement information setting is automatically registered in the contact / touch operation using the unique identification information in the NFC phone (smart phone). Safe payment service method 10. The method of claim 9,
The NFC Phone uses a service provider (purchaser) identification information (service product information, payment information, order information, reservation information, usage information, delivery information, payment method) that leads the NFC And a service program for automatically performing a telephone connection and transmitting a user telephone number, service application application, purchase and settlement information, etc., when a call connection is established, and an NFC (security card) And safe payment service method using it 10. The method of claim 9,
(NFC) (Electronic Identification Tag) through the NFC Phone Tag reader, reads the service goods supplier information such as service product purchase information, purchase, security, and the like through the URL and icon generated in response to the read service goods supplier identification information And a payment server for automatically inputting a payment amount, wherein the reservation and order through NFC (Tag) contact and the secure payment service method using the same 13. The method of claim 12,
Information (telephone number, mobile communication company, authentication number receiving letter, authorized certificate, ISP certificate, card number, expiration date, password, etc.) necessary for the micropayment from the smartphone is automatically displayed on the LCD screen (NFC) tag contact which is characterized by the fact that the reservation is made and the order is secured, The method according to claim 1,
The present invention provides a system and method for implementing the secure payment function by physically selecting and storing the secure payment function in a separate area in a mobile device and storing the secure payment in a remote network or a secure secure server, NFC (security card) Tag contact, booking and ordering, and secure payment method using it 15. The method of claim 14,
The secure payment function stores card and account information in a mobile phone (USIM) chip in a mobile phone, makes contactless payment in an offline store using a local wireless communication technology, or prepares settlement information in a settlement agency security server and makes payment in a remote place And a method and system for easily using a secure settlement service through a mobile communication network used by a user (purchaser). The method according to claim 1,
The member registration method determines whether the NFC (security card) tag read by the user NFC phone is a registered tag. If the tag is a registered tag, the phone number of the applicant connected through the packet communication network is extracted, To the service applicant (user) NFC phone through the data communication network in association with the service NFC (security card) tag information, and displays the member registration completion on the screen. (Security card) Reservation via Tag contact, ordering and secure payment method using it 17. The method of claim 16,
By distributing the electronic identification NFC (security card) tag for promoting the business, the user can naturally induce the user (buyer) to register the service through product service order (food delivery order, product order, reservation) and secure payment (NFC) tag contact, which is characterized by providing a system and method, The method according to claim 1,
The service provider and the user (buyer) such as the service company information, product information, payment information, order information, and reservation information stored from the identification tag held by the service provider and the user (purchaser) read the identification information tag, And a server in which service product registration / management, service product application / purchase, and secure payment are performed in response to the service item registration / management, service product application / safe payment processing information is automatically registered in the server, Security card) Reservation through Tag contact, order and secure payment method using it 19. The method of claim 18,
The service provider NFC (security card) electronic identification tag (RF radio frequency identification / IC chip built-in card) can be contacted or contacted with the service identification information (service product information, billing information, order (NFC) tag is contacted by an NFC phone through reservation / order by using NFC (security card) tag contact and secure payment service method using it after confirming information, reservation information, use information, delivery information, (NFC) tag contact, and a secure payment service method using the method and apparatus. The method according to claim 1,
In order to secure the safety of the electronic financial transaction in executing the safe payment, authentication of the GPS position information lead in the mobile communication terminal used by the user and one-time encryption code, which is a unique random number capable of identifying the member, The security server automatically transmits through the user's mobile communication network through the identification of the additional user, and when the call connection is made, the authentication of the GPS location information and the location where the one-time encryption code, which is a unique random number capable of identifying the member, A method of reserving and ordering through NFC (security card) tag contact characterized by including an authentication service program and a secure payment service method using the same 21. The method of claim 20,
Malicious code on the smartphone when the above safe payment execution. If the malicious app is installed, the payment system will be improved on the assumption that the payment related information can be leaked. In case of Internet credit card payment, the payment can be supplemented only when the security program such as keyboard security is installed A method for reserving and ordering an NFC (security card) tag contact and a secure payment service method using the NFC 21. The method of claim 20,
The present invention relates to a method of reserving and ordering a service product by simply making contact with the NFC phone and a secure payment service method using the same. And the smartphone is configured to provide a service to which the smartphone is further provided with means for activating or removing it for security when the user requests it. ) Reservation via Tag contact, ordering and secure payment method using it 23. The method of claim 22,
When the safe payment is executed, command data (interface) is transmitted to the smartphone to activate the smartphone power and execute the security lock to generate a one-time encryption code with a unique random number that can identify the input stored member at the time of secure payment (NFC) tag contact, which is characterized in that the smartphone can not be manipulated by hacking due to malicious code by transmitting the request with the payment request promptly. 23. The method of claim 22,
When the safe payment is executed, a one-time encryption code is generated with a unique random number that can identify the member, and the command-in data (interface) is transmitted to the smartphone to activate and lock the smart phone power, A one-time encryption code is generated and matched with a unique random number capable of identifying the stored input member at the time of secure settlement, and a means for removing or blocking the means of security control in case of a user's request is provided (NFC) tag contact, which is characterized in that it is constituted by a plurality of terminals 23. The method of claim 22,
When the safe payment is executed, the member controls the smartphone through an NFC (security card) tag and transmits a secure settlement execution command to the user mobile communication network through a unique identification number (disposable encryption code) Card) Reservation through Tag contact, ordering and secure payment method using it 23. The method of claim 22,
When the safe payment is executed, the payment confirmation procedure is confirmed to the user's smartphone using the speaker phone TTS (Text To Speech), and the security level is divided into the smartphone memory at the same time as the payment is transmitted. A method of reserving and ordering via NFC (security card) tag contact and a secure payment service method using the same 23. The method of claim 22,
In order to secure the safety of the electronic financial transaction in executing the safe payment, the service provided by the method of providing the additional authentication means through the separate security server separate from the authentication at the transaction terminal of the user, NFC (SecureCode) Tag with contact feature, Reservation and ordering, and secure payment method using it 23. The method of claim 22,
And a security server for encrypting the personal information so as to be protected even if the hacking is performed when the secure payment is executed, thereby enabling secure transmission of a password at login, a resident number at the time of membership, and an account number when using the Internet banking. (Security card) Reservation via Tag contact, ordering and secure payment method using it 23. The method of claim 22,
When the safe payment is executed, the unique identification number (one-time use encryption code) of each user (buyer), the secret code of the security card is exposed, and there is an attempt to transfer again from another computer or another smartphone. NFC (Secure Card) tag that can prevent damage by authenticating with SMS or speakerphone TTS (Text To Speech) to phone 23. The method of claim 22,
(NFC) tag contact with a reservation or order through the contact of the NFC (security card) tag, characterized in that it is possible to automatically control only the APs that are confirmed when the Internet connection is established or the APPs that the user does not use the 3G network Safe payment service method 23. The method of claim 22,
Change the setting so that the smartphone does not automatically select the nearby AP when making the safe payment. NFC (security card) tag, which is characterized by being able to switch from "network connection request" to "automatic" by selecting "Wi-Fi" Safe payment service method using 23. The method of claim 22,
The messenger program or the like which is always turned on in the smartphone when the safe payment is executed can be controlled through the setting so that the user (purchaser) is connected without knowing when the user goes near the fake AP and can not transmit the information to the outside. Reservation and ordering using NFC (NFC) tag contact with NFC phone and secure payment method using it 23. The method of claim 22,
When the smartphone user (purchaser) requests 'authentication' through the AP, the 'authentication key' is transmitted through the mobile communication network to which the user (purchaser) belongs, which is another network, NFC (security card) tag contact with NFC phone, reservation and order, and secure payment method using it The method according to claim 1,
The method of generating and storing the one-time encryption code in the payment method is to determine whether the Tag read by the user NFC Phone is a registered Tag. If the Tag is a registered Tag, the telephone number of the call connection is extracted through the communication network Generating a password by linking the extracted applicant telephone number with the service tag information, generating a one-time encryption code with a unique random number capable of identifying the member as a generated password, and registering and storing the generated one-time encryption code with the user's NFC phone NFC (Secure Card) Tag Contact with Reservation, Order and Secure Payment Service Method 35. The method of claim 34,
Extracts an applicant telephone number connected through the registered NFC (security card) tag and a communication network, generates a password by linking the extracted applicant telephone number with service NFC (security card) tag information, (NFC) tag contact, which is capable of generating and storing a one-time encryption code with a unique random number that can be used to match and register with a user (purchaser) NFC phone. Safe payment service method The method according to claim 1,
It is determined whether the tag is a registered tag by touching and touching the identification information NFC (security card) tag with the user's NFC Phone, and the service product use and the encrypted payment password are automatically activated to enable the user (purchaser) The URL information and the icon are touched to extract the telephone number connected to the server by the user's NFC phone and linked with the extracted user (buyer) telephone number and the unique identification information (service product use information and payment information) (NFC) tag contact, which is characterized by the step of confirming the reservation and order by using the contact information It is determined whether the tag is a registered tag by touching and touching the identification information NFC (security card) tag with the user (purchaser) NFC phone, and the service goods use and the encrypted payment password are automatically activated, And the URL information and the icon activated on the user (purchaser) NFC phone to request the service product and settle the payment, and the user (purchaser) NFC Phone is activated separately from the address generated by activating the GPS position (Purchaser's) telephone number and the unique identification information (service product use information, payment information) encrypted at the time of application of the service, through the separate factor of the NFC (Security card) Reservation via Tag contact, ordering and secure payment method using it The NFC (Security Card) tag is a unique identification of service goods supplier (supplier information), service product contents and service user [service utilization card (postpaid, debit, mileage, point, personal authentication, IC chip, traffic card, An electronic identification card in which information is stored;
The service product utilization information stored in the NFC (security card) tag is read and connected to the lead service provider server through a communication network to provide the service product content and information that are read from the connected server, A user (buyer) NFC Phone for registering with the phone number of the mobile phone and receiving service goods provided from the server;
The service product application and the secure settlement service program are executed to receive service product content and service usage amount information from each service provider, and the received service product content and service usage amount information are integratedly managed by each management server, And a server for transmitting the service goods use amount to the service user (buyer) mobile phone in response to the contents of the reservation request. A web server for data communication connection through a packet communication network;
A web server for generating an input unit capable of adding information to the service identification information (service product application / payment method);
A calling party number extracting unit for extracting a calling party number and unique identification information when a phone call is connected through a communication network after inputting to an input unit including service identification information;
A user member database capable of storing member information;
A supplier member database that can store service provider information;
Service Tag database which can store tag information of service product use;
A keypad for key input;
Electronic Identification Tag Reader; And electronic identification tag
When an NFC (Security Card) tag held by the service user is contacted by an NFC phone, an input unit for further inputting service identification information (service product content / settlement method) is generated from the management server, And transmits the service goods information to the NFC phone connected through the web server when the information is transmitted through the web server and stored in the user member database. Generates basic information according to the user (purchaser) customer information (mobile phone number, payment method, encrypted identification number) to store the extracted service goods information and secure payment application, and stores the generated basic service information , A service product of the user (buyer) provided in the service product use information generation step (NFC) of the user (purchaser) to transmit the information to the user's mobile communication network by confirming the content of the service product and the payment amount result to be used, and transmitting the information to the user's mobile communication network ) Reservation via Tag contact, ordering and secure payment method using it When the service commodity information and the identification information transmitted to the NFC phone are received through the NFC (security card) tag and the member information is stored in the member database, (Buyer) number of the call connection is extracted through the caller number extracting unit when there is a telephone call connection from the NFC phone through the line communication network, and the extracted caller number is received and received And a management server for matching and registering the service application application information in the management database and transmitting the registration result to the NFC phone. Safe payment service method URL, and unique identification information received through the control center are stored in the memory and displayed on the touch screen, and when the icon, URL information, and unique identification information displayed on the touch screen are touched, URL information, identification information, etc., by connecting the data communication to the server through the packet communication network according to information and service identification information, and if it is confirmed that the transmitted information is unregistered member information in the server to which the transmitted information is connected, And a storage unit for performing member registration of the server through the NFC (Secure Card) tag contact. A touch screen for displaying an icon from the control center, service product identification information for receiving URL information, and the like;
A communication module for connecting a data communication to a server through a packet communication network and for establishing a telephone call connection through a line communication network;
A memory for storing icons, URLs, unique identification information, and the like;
A keypad for key input;
Electronic Identification Tag Reader; And electronic identification tag
URL, and service identification information received through the control center are stored in the memory and displayed on the touch screen, and when the icon, URL information, and service identification information displayed on the touch screen are touched, URL information, identification information, etc., by connecting the data communication to the server through the packet communication network using the information and unique identification information, and if it is confirmed that the transmitted information is member information registered in the server to which the connected information is registered, And a storage unit for performing the service through the NFC (Secure Card) tag contact. Displaying URL information and Tag information read from the NFC (Security Card) tag in the NFC phone;
Accessing a server through a packet communication network when the URL information displayed on the NFC phone is touched;
Transmitting the tag information read from the server connected to the NFC phone through the packet communication network;
Determining whether the tag read by the NFC phone is a registered tag based on the tag information received from the server;
Transmitting tag validation information to the NFC phone through the packet communication network if the tag is a tag registered in the server;
Executing a service product use application to the server through a packet communication network when tag confirmation information is received from the server in the NFC phone;
Registering the service item application by associating the caller number extracted from the server with the Tag information;
Transferring application, registration, and payment confirmation information from the server to the NFC phone through the data communication network;
Further comprising the step of displaying on the screen a service application and registration completion when the reservation, order and settlement confirmation information of the service product is received from the NFC phone. And safe payment service method using it Displaying URL information and Tag information read from the Tag in the NFC phone;
Accessing a server through a packet communication network when the URL information displayed on the NFC phone is touched;
Transmitting the tag information read from the server connected to the NFC phone through the packet communication network;
Determining whether the tag read by the NFC phone is a member-registered tag based on the tag information received from the server;
Transmitting tag validation information to the NFC phone through the packet communication network if the tag is an unregistered tag in the server;
Accessing a server through a packet communication network when the URL information displayed on the NFC phone is touched;
Extracting a caller number of the NFC phone connected to the server through the circuit communication network;
Registering the caller number extracted from the server with the tag information and registering the caller number as a member;
Transmitting the member registration confirmation information from the server to the NFC phone through the data communication network;
Further comprising the step of displaying on the screen the completion of member registration when the member registration confirmation information is received from the NFC phone. 45. The method according to any one of claims 41 and 44,
Wherein the member registration confirmation information further includes URL information and an icon including an icon for installing a dedicated APP, a reservation / order through NFC (Tag) contact, and a secure payment service method using the contact

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