KR20150104951A - Method for payment using beacon, system and apparatus thereof - Google Patents

Abstract

The present invention relates to a method for making payment using beacon, system and apparatus thereof. Specifically, a franchise and a user are recognized through a beacon, and a credit card or a membership card which the user carries is automatically provided to simplify a product payment service, by which it is not necessary to issue a card on a mobile or supply a credit card separately, for the use of an offline card payment function of a wallet using the beacon. Because there are exact franchise information and user information in a server, the user has the benefit of the credit card convenience only with a payment authorization action that the user accesses a payment area and inputs a PIN code, and, further, the user can even have the benefit of the membership card at a time for maximizing convenience and stability. In addition, when the user intends to pay for a product in the franchise, the user and the franchise are exactly recognized by using the beacon, and the card having the most benefits and rewards card/discount card in the franchise are automatically mapped and used by using information registered in a wallet application, so the user can spent reasonably even when there is no additional action.

Description

Technical Field [0001] The present invention relates to a payment method using a beacon, a system and an apparatus therefor,

The present invention relates to a payment method using a beacon, a system and an apparatus for the payment method, and more particularly, to a credit card or a membership card automatically recognizing a merchant and a user via a beacon, A payment method using a beacon which simplifies a goods settlement service, and a system and an apparatus therefor.

With the development of the mobile communication network and the development of the terminal specification, the mobile communication terminal has become a necessity of modern people and has evolved into a total entertainment device beyond the conventional category of simple communication apparatus or information providing apparatus.

In particular, recently, a payment service using a smart phone is widely used. When a merchant purchases a merchandise, a membership card capable of earning or discounting is provided as a mobile service, and a credit card function is also provided through a mobile application. At this time, the user must have a mobile card and a credit card issued, and a card issued at a merchant having a POS (point of sale) system to which Near Field Communication (NFC) tagging is connected is connected to an NFC reader The mobile card can be tagged or a credit card can be presented directly to proceed with the payment.

In this case, the POS obtains the card information read from the NFC or the card information read from the card reader, and receives a payment approval from the card company through the VAN (Value Added Network) company.

In the case of the existing payment service, the payment of goods is performed based on the user behavior, and the user has to always have a credit card or a membership card for payment.

Korean Patent Laid-Open No. 10-2003-0020444 A, December 12, 2002 (name: payment approval through beacon)

The present invention solves the inconvenience that a user pays for a product based on user behavior in a conventional payment service and a user always has a credit card or a membership card for payment. And a billing method using a beacon which can recognize a user and automatically provide a credit card or a membership card possessed by a user to simplify a product settlement service, and a system and an apparatus therefor.

According to an aspect of the present invention, there is provided a beacon service device for communicating with at least one terminal, a wallet service device, a membership service device, and a payment service device, The method further comprises: requesting, by the terminal, user information related to the user ID to the wallet service device in order to settle the at least one commodity when the communication module and the terminal are located in the beacon area; A beacon module for delivering user information received in response to a request from the device to the POS module, and a beacon module for providing the result of the check-in to the terminal, and a One Time Password ), And stores the card information and membership information according to the payment OTP Requesting the settlement service from the settlement service apparatus to the membership service apparatus according to the received settlement information and requesting settlement processing from the settlement service apparatus, And a POS module for controlling the terminal to transmit a payment approval result received from the device to the terminal.

Further, in the beacon service apparatus according to the present invention, the POS module is provided with the user information stored in the wallet service apparatus through the beacon module, and identifies the user of the terminal based on the user information.

A wallet service apparatus according to an exemplary embodiment of the present invention includes a wallet service communication unit for communicating with at least one terminal and a beacon service apparatus to transmit and receive data to be used for settlement using a beacon, And a control unit that provides user information related to the beacon connection information when the user information is requested and issues a payment OTP for payment when the payment OTP issuance is requested from the terminal and provides payment information when the payment information is requested from the beacon service apparatus, And a service control unit.

A terminal according to an embodiment of the present invention may communicate with a beacon service device and a wallet service device to communicate with a beacon area of a beacon service device located in a specific store, Receives the beacon connection information, transmits the beacon connection information to the wallet service device, transmits the user ID to the beacon service device to request the check-in, and controls the beacon service device to receive the check-in result based on the user information And a control unit.

In addition, in the terminal according to the present invention, when the check-in with the beacon service device is completed, the controller requests the settlement OTP issuance to the wallet service device to request payment for at least one commodity, And transmits the payment OTP to the beacon service apparatus, and receives the payment approval result from the beacon service apparatus.

The beacon payment system according to an embodiment of the present invention receives beacon connection information from a beacon service device and transmits beacon connection information to a wallet service device when connected to a beacon area of a beacon service device located in a specific store, A terminal for transmitting a user ID to the beacon service apparatus to request a check-in and receiving a check-in result based on user information from the beacon service apparatus; and a control unit A payment OTP for payment of goods is requested, payment information including card information and membership information is requested to the Wallet service device according to the payment OTP, and when payment information is received from the Wallet service device, Request the processing of the membership service by the device, A beacon service apparatus for transmitting a payment approval result received from a payment service apparatus to a terminal and receiving beacon connection information from the terminal, and when user information is requested from the beacon service apparatus, providing user information related to beacon connection information And issuing a payment OTP for payment when the payment OTP issuance is requested from the terminal, and providing payment information when payment information is requested from the beacon service device.

Further, in the payment system using the beacon according to the present invention, a membership service apparatus for processing a membership service for at least one of membership acquisition information or discount information related to a terminal located in the beacon region according to a request of the beacon service apparatus .

Further, in the billing system using the beacon according to the present invention, when the settlement approval is requested from the beacon service apparatus, the billing service apparatus further comprises a settlement service apparatus for processing the settlement according to the card information corresponding to the terminal located in the beacon area .

Further, in the payment system using the beacon according to the present invention, the terminal requests the settlement OTP issuance to the wallet service device to request payment for at least one product when the check-in with the beacon service device is completed, When the payment OTP is issued from the device, the payment OTP is transmitted to the beacon service device, and the payment approval result is received from the beacon service device.

The payment method using a beacon according to an embodiment of the present invention includes a step of connecting to a beacon area of a beacon service device in which a terminal is located in a specific store and a step of receiving beacon connection information from the beacon service device when the terminal is connected to the beacon area A step in which the terminal transmits the beacon connection information to the wallet service apparatus; a step in which the terminal transmits a user ID to the beacon service apparatus and requests a check-in based on the user ID; Based on the result of the check-in operation.

Also, in the payment method using a beacon according to the present invention, the beacon connection information includes at least one of a UDID (Unique Device Identification), beacon group information, beacon group identification information, and a member ID.

Also, in the payment method using a beacon according to the present invention, the user information may include at least one of a user name, terminal identification information, credit card information, or membership information.

A payment method using a beacon according to an exemplary embodiment of the present invention includes a step in which a terminal enters a beacon area in a specific store to perform a check-in with a beacon service device, and a step in which, when the check- Requesting a payment OTP issuance to the Wallet service device to request payment for the payment OTP; receiving a payment OTP from the Wallet service device; transmitting the payment OTP to the beacon service device; And receiving a payment approval result from the beacon service device.

According to another aspect of the present invention, there is provided a payment method using a beacon according to the present invention, wherein the step of requesting comprises the steps of: executing a Wallet application when the beacon service device requests settlement; And a step of requesting the terminal to issue an OTP for settlement to the Wallet service apparatus when the PIN number is input and the PIN number matches the PIN number, do.

The beacon payment method according to an embodiment of the present invention includes receiving a payment OTP for payment of at least one commodity from a terminal when the beacon service apparatus completes check-in with at least one terminal, Requesting payment information including card information and membership information according to a payment OTP to the Wallet service device; and when the beacon service receives payment information from the Wallet service device, processing the membership service to the membership service device according to the received payment information The beacon service requesting the settlement processing to the settlement service apparatus, and transmitting the settlement approval result received from the settlement service apparatus to the terminal.

As another means for solving the problem of the present invention, there is provided a method for providing a beacon service, comprising the steps of: connecting to a beacon area of a beacon service device located in a specific store; receiving beacon connection information from the beacon service device upon connection to the beacon area; Transmitting the user ID to the beacon service apparatus, requesting the check-in based on the user ID, and receiving the check-in result based on the user information from the beacon service apparatus, There is provided a computer readable recording medium recording a program to be executed.

As another means for solving the problem of the present invention, there is provided a method for controlling a beacon service, comprising the steps of: entering a beacon area in a specific store to perform a check-in with a beacon service device; Requesting a payment OTP issuance to the Wallet service device to request a settlement OTP from the Wallet service device, issuing a payment OTP from the Wallet service device, delivering the payment OTP to the beacon service device, There is provided a computer-readable recording medium having recorded thereon a program for executing a receiving step.

As another means for solving the problem of the present invention, there is provided a method for providing payment information, comprising the steps of: receiving a payment OTP for payment of at least one commodity from a terminal when check-in with at least one terminal is completed; Requesting the membership service apparatus to process the membership service according to the received payment information when the payment information is received from the Wallet service apparatus; There is provided a computer-readable recording medium having recorded thereon a program for requesting a payment processing and transmitting a payment approval result received from a payment service apparatus to a terminal.

According to the present invention, there is no need for a user to issue a mobile card or provide a credit card separately in order to use an offline card payment function of a wallet using a beacon, and since the server has accurate merchant information and user information, Can conveniently receive credit card benefits as well as membership card benefits at once by simply entering the payment area and entering the PIN number, thereby maximizing the convenience and safety of the user.

Also, when a user wants to pay for a merchandise at a merchant, he or she can accurately recognize the user and merchant using a beacon and automatically map the card with the highest benefit at the merchant using the information registered in the Wallet application, Allowing the user to consume reasonably without any additional action.

1 is a diagram illustrating a configuration of a payment system using a beacon according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a terminal according to the present invention.
3 is a block diagram illustrating a configuration of a beacon service apparatus according to the present invention.
4 is a block diagram illustrating a configuration of a wallet service apparatus according to the present invention.
5 is a data flow chart for explaining a check-in process using a beacon according to an embodiment of the present invention.
6 is a data flow chart for explaining a payment process using a beacon according to an embodiment of the present invention.
7 is a flowchart illustrating a method of operating a terminal in a check-in process using a beacon according to the present invention.
FIG. 8 is a flowchart illustrating a method of operating a terminal in a payment process using a beacon according to the present invention.
9 is a flowchart illustrating an operation method of the beacon service apparatus according to the present invention.
FIG. 10 is a flowchart illustrating an operation method of a wallet service apparatus according to the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the accompanying drawings, detailed description of well-known functions or constructions that may obscure the subject matter of the present invention will be omitted. It should be noted that the same constituent elements are denoted by the same reference numerals as possible throughout the drawings.

The terms and words used in the present specification and claims should not be construed to be limited to ordinary or dictionary meanings and the inventor is not limited to the concept of terminology for describing his or her invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention, and not all of the technical ideas of the present invention are described. Therefore, It is to be understood that equivalents and modifications are possible.

Hereinafter, a terminal according to an exemplary embodiment of the present invention will be described as a representative example of a mobile communication terminal connected to a communication network to provide a payment service using a beacon. However, the terminal is not limited to a mobile communication terminal, Terminal, a wired terminal, a fixed terminal, and an IP (Internet Protocol) terminal. Also, the terminal may be a mobile phone, a portable multimedia player (PMP), a mobile Internet device (MID), a smart phone, a desktop, a tablet PC, a notebook, And an information communication device, which can be advantageously used in a mobile terminal having various mobile communication specifications.

The beacon applied to the mobile communication terminal according to the present invention is a data communication technology utilizing BLE (Bluetooth Low Energy), and has a Bluetooth function serving as a detailed GPS. The beacon is available only within 10 cm of NFC Beacons can detect distances from 5 cm to 49 m, and their applications are much wider. Like NFC, beacons do not need to be brought close to readers and tagged, they can pass data even if they pass through the beacon, and they can read detailed location moves and deliver customized data within the building.

Meanwhile, the beacon service apparatus according to the present invention is described as having a beacon module and a POS module, and the beacon module and the POS module may have separate configurations as independent devices, that is, a beacon device and a POS device.

Hereinafter, a payment system using a beacon according to an embodiment of the present invention will be described.

1 is a diagram illustrating a configuration of a payment system using a beacon according to an embodiment of the present invention.

1, a payment system 100 using a beacon according to an embodiment of the present invention includes a terminal 10, a beacon service device 20, a wallet service device 30, a membership service device 40, Device 50 and a communication network 60 as shown in Fig.

A processor mounted in the terminal 10, the beacon service apparatus 20, the wallet service apparatus 30, the membership service apparatus 40 and the settlement service apparatus 50 according to the present invention may be a processor for executing the method according to the present invention Program instructions can be processed. In one implementation, the processor may be a single-threaded processor, and in other embodiments, the processor may be a multi-threaded processor. Further, the processor is capable of processing instructions stored on a memory or storage device.

The communication network 60 includes a series of data transmission / reception for data transmission and information exchange between the terminal 10, the beacon service device 20, the wallet service device 30, the membership service device 40, and the settlement service device 50 And performs an operation. In particular, the communication network 60 may include various types of communication networks, and may be a wireless LAN (WLAN), a Wi-Fi, a Wibro, a WiMAX, a high- HSDPA, and High Speed Downlink Packet Access) or a wireless communication method such as Ethernet, xDSL (ADSL, VDSL), Hybrid Fiber Coax (HFC), Fiber to the Curb (FTTC) A wired communication method can be used. Meanwhile, the communication network 60 is not limited to the above-described communication system, but may include any other known or later-developed communication systems in addition to the above-described communication system.

The terminal 10 communicates with the beacon service apparatus 20 and the wallet service apparatus 30 via the communication network 60 to transmit and receive data to be used for settlement using a beacon. In particular, the terminal 10 according to the present invention receives beacon connection information from the beacon service apparatus 20 when it is connected to the beacon area of the beacon service apparatus 20 located in a specific store.

The terminal 10 transmits beacon connection information to the wallet service device 30 and transmits a user ID to the beacon service device 20 to request a check-in. At this time, the check-in means a connection between the terminal 10 and the beacon service apparatus 20, and can be a preparatory process for automatically purchasing goods and accumulating membership by using the Wallet application installed in the terminal 10. [ Thereafter, the terminal 10 receives a check-in result based on the user information from the beacon service apparatus 20. [ Here, the user information includes at least one of the name, terminal identification information, credit card information, and membership information of the terminal 10 user. For example, the terminal identification information includes at least one of an International Mobile Station Equipment Identity (IMEI), an Electronic Serial Number (ESN), or a Mobile Identification Number (MDN) .

On the other hand, when the check-in with the beacon service device 20 is completed, the terminal 10 requests the settlement OTP (One Time Password) issuance to the wallet service device 30 in order to request payment for a specific product according to user input . Then, when the settlement OTP is issued from the wallet service device 30, the terminal 10 transmits the issued settlement OTP to the beacon service device 20. [ Thereafter, the terminal 10 receives a payment approval result from the beacon service device 20. [ Here, the OTP is a one-time password, and is a user authentication method that uses a one-time password of a random number generated randomly. Used in electronic financial transactions, users can use an OTP generator (OTP token), which is hardware that generates a one-time password. In this case, the OTP generator generates a 6-digit password when the button is pressed, a time synchronization method in which different 6-digit passwords are automatically output every minute, a 4-digit password on the keypad shows a 6-digit password . A small terminal shaped token type and a credit card type card type are used and a Mobile One Time Password (MOTP) based on a universal subscriber identity module (USIM) of a terminal is applied do.

The beacon service apparatus 20 communicates with the terminal 10, the wallet service apparatus 30, the membership service apparatus 40 and the settlement service apparatus 50 via the communication network 60 to transmit data to be used for payment using the beacon Send and receive. In particular, the beacon service apparatus 20 according to the present invention confirms whether it is within the beacon area. When the terminal 10 is located in the beacon area, the beacon service apparatus 20 requests the user information related to the user ID to the wallet service apparatus 30 in response to a request from the terminal 10 for payment of a specific commodity do. Thereafter, the beacon service device 20 performs check-in using the user information received in response to the request from the wallet service device 30, and provides the result of the check-in to the terminal 10. [

When the check-in with the terminal 10 is completed, the beacon service apparatus 20 receives a payment OTP for payment of goods from the terminal 10. Then, the beacon service apparatus 20 requests the settlement information including the card information and the membership information to the wallet service apparatus 30 according to the settlement OTP. Here, the card information is a card applied to settlement of a credit card, a check card, a gift card, etc., and the membership information is a card applied to an additional service in addition to the settlement of discount, accumulation,

When the payment information is received from the wallet service device 30, the beacon service device 20 requests the membership service device 40 to process the membership service according to the received payment information, and transmits the payment processing to the payment service device 50 request. Then, the beacon service apparatus 20 transmits the settlement approval result received from the settlement service apparatus 50 to the terminal 10. Here, the payment approval result may include a payment history, a lump sum or installment payment, membership service usage history, and the like.

The wallet service device 30 communicates with the terminal 10 and the beacon service device 20 via the communication network 60 to transmit and receive data to be used for settlement using the beacon. In particular, the wallet service device 30 according to the present invention receives the beacon connection information from the terminal 10 and provides the user information related to the beacon connection information when the beacon service device 20 requests the user information. Here, the beacon connection information may include at least one of a UDID (Unique Device Identification), a beacon group information (major), a beacon group identification information (minor), or a member ID. Then, when the payment OTP issuance is requested from the terminal 10, the wallet service device 30 issues a payment OTP for settlement. Thereafter, when the payment information is requested to be transmitted from the beacon service device 20, the wallet service device 30 provides the payment information to the beacon service device 20. [

The membership service apparatus 40 communicates with the beacon service apparatus 20 via the communication network 60 to transmit and receive data to be used for settlement using the beacon. In particular, the membership service apparatus 40 according to the present invention performs a function of processing a membership service related to membership information or discount information related to the terminal 10 located in the beacon area according to a request of the beacon service apparatus 20 do.

The payment service apparatus 50 communicates with the beacon service apparatus 20 via the communication network 60 to transmit and receive data to be used for payment using the beacon. In particular, when payment approval is requested from the beacon service apparatus 20, the payment service apparatus 50 according to the present invention performs a payment processing according to the card information corresponding to the terminal 10 located in the beacon area .

Accordingly, the present invention does not require a user to issue a mobile card or provide a credit card separately in order to use an offline card settlement function of a wallet using a beacon, and has the accurate merchant information and user information in the server Therefore, the user can conveniently receive the credit card benefits as well as the membership card benefits at once by using only the payment approval action for entering the payment area and the PIN number, thereby maximizing the convenience and safety of the user. Also, when a user wants to pay for a merchandise at a merchant, he or she can accurately recognize the user and merchant using a beacon and automatically map the card with the highest benefit at the merchant using the information registered in the Wallet application, Allowing the user to consume reasonably without any additional action.

The settlement process using the beacon according to the embodiment of the present invention will be described in more detail with reference to FIG. 2 to FIG.

2 is a block diagram showing the configuration of a terminal according to the present invention.

2, a terminal 10 according to the present invention includes a control unit 11, an input unit 12, a display unit 13, a storage unit 14, an audio processing unit 15, a position information providing unit 16, And a communication unit 17. Here, the control unit 11 includes a beacon confirmation module 11a and a payment management module 11b.

The input unit 12 receives various information such as numbers and character information and transmits various signals to the control unit 11 in connection with setting various functions and controlling functions of the terminal 10. The input unit 12 may include at least one of a keypad and a touchpad that generates an input signal according to a user's touch or operation. At this time, the input unit 12 may be configured in the form of a touch panel (or a touch screen) together with the display unit 13 to simultaneously perform input and display functions. The input unit 12 may be any type of input device that can be developed in addition to an input device such as a keyboard, a keypad, a mouse, a joystick, and the like. In particular, the input unit 12 according to the present invention senses input information for goods settlement input from a user and input signals for executing a wallet application, and transmits the input information to the control unit 11.

The display unit 13 displays information on a series of operation states, operation results, and the like that occur while the functions of the terminal 10 are performed. In addition, the display unit 13 can display menus of the terminal 10 and user data input by the user. The display unit 13 may be a liquid crystal display (LCD), a thin film transistor LCD (TFT-LCD), a light emitting diode (LED), an organic light emitting diode (OLED) LEDs, active matrix organic light emitting diodes (AMOLED), active matrix OLEDs, retina displays, flexible displays, and three-dimensional displays. In this case, when the display unit 13 is configured as a touch screen, the display unit 13 may perform some or all of the functions of the input unit 12. [ In particular, the display unit 13 according to the present invention displays a settlement screen for goods settlement, a screen for a payment processing result, a screen for inputting a PIN applied to the Wallet application, and the like.

The storage unit 14 is a device for storing data, and includes a main storage device and an auxiliary storage device, and stores an application program required for functional operation of the terminal 10. [ The storage unit 14 may include a program area and a data area. Here, when the terminal 10 activates each function in response to a request from the user, the terminal 10 executes the corresponding application programs under the control of the controller 11 to provide each function. In particular, the storage unit 14 according to the present invention stores an operating system for booting the terminal 10, a program for confirming a beacon, a program for payment of goods, and the like. In addition, the storage unit 14 stores user information for paying for goods, beacon connection information, and the like. Here, the beacon connection information includes at least one of a UDID, beacon group information, identification information in beacon group, or member ID. Meanwhile, the user information includes at least one of a user name, terminal identification information, credit card information, or membership information.

The audio processing unit 15 transmits the audio signal input from the speaker SPK or the microphone MIC to the control unit 11 for reproducing and outputting the audio signal. The audio processor 15 converts an analog audio signal input through a microphone into a digital format and transmits the audio signal to the controller 11. The audio processing unit 15 may convert the digital audio signal output from the control unit 11 into an analog signal and output it through a speaker. In particular, the audio processing unit 15 according to the present invention outputs an effect sound or execution sound according to the execution of the Wallet application.

The position information providing unit 16 receives the GPS signal from at least one GPS (Global Positioning System) satellite under the control of the control unit 11 to grasp the current position information such as the latitude and longitude of the terminal 10, 11). However, when using only a received signal from the GPS satellite, an error may occur. Therefore, the position information providing unit 16 may use Round Trip Delay information, Pilot Phase ) File information etc. can be operated together with GPS signal. Here, the base station plays two roles. One is for relaying data transmission between the communication center and the terminal 10, and the other is for transmitting data for locating the terminal 10, i.e., the location of the user. Accordingly, the position information providing unit 16 receives the above-described position information and grasps the position of the corresponding terminal 10 or receives the position information from three or more base stations, 10 can be grasped.

The communication unit 17 performs a function of transmitting and receiving data for settlement through the communication network 60. [ Here, the communication unit 17 includes RF transmitting means for up-converting and amplifying the frequency of the transmitted signal, RF receiving means for low-noise amplifying the received signal and down-converting the frequency. The communication unit 17 may include at least one of a wireless communication module (not shown) and a wired communication module (not shown). When the terminal 10 uses wireless communication, the wireless communication module uses any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module to transmit / receive data according to a wireless communication method. Data to and from the beacon service device 20 and the wallet service device 30. [ The wired communication module is for transmitting / receiving data by wire. The wired communication module can connect to the communication network 60 via a wired line and transmit and receive data to and from the beacon service device 20 and the wallet service device 30. [ In particular, the communication unit 17 according to the present invention communicates with the beacon service apparatus 20 and the wallet service apparatus 30 to transmit and receive data to be used for payment using a beacon.

The control unit 11 may be an operating system (OS) and a process unit for driving each configuration. In particular, the control unit 11 according to the embodiment of the present invention receives beacon connection information from the beacon service apparatus 20 when it is connected to the beacon region of the beacon service apparatus 20 located in a specific store. Here, the beacon connection information includes at least one of a UDID, beacon group information, identification information in beacon group, or member ID. The control unit 11 transmits the beacon connection information to the wallet service device 30 and transmits the user ID to the beacon service device 20 to request the check-in. Then, the control unit 11 receives the check-in result based on the user information from the beacon service apparatus 20. [ Here, the user information includes at least one of a user name, terminal identification information, credit card information, or membership information.

When the check-in with the beacon service apparatus 20 is completed, the control unit 11 requests the settlement OTP issuance to the wallet service apparatus 30 to request payment for the specific commodity. At this time, when the beacon service device 20 requests payment, the controller 11 executes the Wallet application and outputs a PIN (Personal Identification Number) number window in the Wallet application. Then, the control unit 11 receives the PIN number, and when the input PIN number matches the preset PIN number, requests the OTP issuance to the Wallet service device 30 for settlement.

When the settlement OTP is issued from the wallet service apparatus 30, the control unit 11 transmits the issued settlement OTP to the beacon service apparatus 20. [ Thereafter, the control unit 11 receives the settlement approval result from the beacon service apparatus 20. [

3 is a block diagram illustrating a configuration of a beacon service apparatus according to the present invention.

3, a beacon service apparatus 20 according to the present invention includes a beacon module 21, a POS module 22, a storage module 23, and a communication module 24.

The beacon service device 20 according to the present invention is described as having a beacon module 21 and a POS module 22. The beacon module 21 and the POS module 22 are each a separate device, And a POS device.

The communication module 24 communicates with the terminal 10, the wallet service device 30, the membership service device 40 and the settlement service device 50 via the communication network 60 to transmit data for performing settlement using a beacon Lt; / RTI >

The storage module 23 stores all the programs according to the function execution of the beacon service apparatus 20. In particular, the storage module 23 according to the present invention stores a program for executing a beacon function and a program for executing a POS function.

If the beacon module 21 is located within the beacon area, the beacon module 21 requests the user information related to the user ID to the wallet service device 30 at the request of the terminal 10 Do.

The beacon module 21 transfers the user information received in response to the request from the wallet service device 30 to the POS module 22 and provides the result of the check-in to the terminal 10. [

When the check-in with the terminal 10 is completed, the POS module 22 receives a payment OTP for payment of goods from the terminal 10. Here, the POS module 22 receives the user information stored in the wallet service device 30 through the beacon module 21, and identifies the user of the terminal 10 based on the user information. Then, the POS module 22 requests payment information including the card information and the membership information to the wallet service device 30 according to the payment OTP. Here, the card information is a payment card including at least one of a credit card and a check card, and the membership information is a card applied to the supplementary service in addition to the payment including at least one of discount, accumulation or points.

When the payment information is received from the wallet service device 30, the POS module 22 requests the membership service device 40 to process the membership service according to the received payment information. Further, the POS module 22 requests the settlement service device 50 to perform settlement processing. Then, the POS module 22 transmits the settlement approval result received from the settlement service device 50 to the terminal 10. Here, the payment approval result may include a payment history, a lump sum or installment payment, membership service usage history, and the like.

4 is a block diagram illustrating a configuration of a wallet service apparatus according to the present invention.

4, the wallet service apparatus 30 according to the present invention includes a service control unit 31, a service storage unit 32, and a service communication unit 33.

The service communication unit 33 communicates with the terminal 10 and the beacon service apparatus 20 via the communication network 60 to transmit and receive data to be used for payment using a beacon.

The service storage unit 32 stores all programs and data related to the execution of the functions of the wallet service device 30. [

The service control unit 31 may be an operating system and a process apparatus that drives each configuration. In particular, the service control unit 31 according to the present invention receives beacon connection information from the terminal 10. Here, the beacon connection information may include at least one of UDID, beacon group information (major), beacon group identification information (minor), or member ID. The service control unit 31 provides user information related to the beacon connection information when the beacon service apparatus 20 requests the user information.

The service control unit 31 issues a payment OTP for settlement when the settlement OTP issuance is requested from the terminal 10. Thereafter, the service control unit 31 provides the payment information to the beacon service apparatus 20 when the payment information is requested to be transmitted from the beacon service apparatus 20. [

In addition, the service device 20 configured as described above may be implemented as one or more servers operating in a server-based computing-based manner or in a cloud-based manner. In particular, the data required to perform payment through a beacon can be provided through a cloud computing function that can be permanently stored in a cloud computing device on the Internet. Here, cloud computing utilizes Internet technology in digital terminals such as desktops, tablet computers, laptops, netbooks and smart phones to provide virtualized IT (Information Technology) resources such as hardware (server, storage, (Database, security, web server, etc.), service, data, etc. on demand.

On the other hand, the memory mounted on the terminal 10, the beacon service device 20 and the wallet service device 30 stores information in the device. In one implementation, the memory is a computer-readable medium. In one implementation, the memory may be a volatile memory unit, and in other embodiments, the memory may be a non-volatile memory unit. In one implementation, the storage device is a computer-readable medium. In various different implementations, the storage device may include, for example, a hard disk device, an optical disk device, or any other mass storage device.

Although the present specification and drawings describe exemplary device configurations, the functional operations and subject matter implementations described herein may be embodied in other types of digital electronic circuitry, or alternatively, of the structures disclosed herein and their structural equivalents May be embodied in computer software, firmware, or hardware, including, or in combination with, one or more of the foregoing. Implementations of the subject matter described herein may be embodied in one or more computer program products, i. E. One for computer program instructions encoded on a program storage medium of the type for < RTI ID = 0.0 & And can be implemented as a module as described above. The computer-readable medium can be a machine-readable storage device, a machine-readable storage substrate, a memory device, a composition of matter that affects the machine readable propagation type signal, or a combination of one or more of the foregoing.

5 is a data flow chart for explaining a check-in process using a beacon according to an embodiment of the present invention.

Referring to FIG. 5, in the check-in process using the beacon according to the present invention, when the terminal 10 enters the beacon area located in a specific store in step S11, the beacon module 21 located in the store recognizes the beacon, And receives the beacon connection information from the module 21. Here, the beacon connection information includes at least one of a UDID, beacon group information (major), identification information (minor) in the beacon group, or member ID.

The terminal 10 transmits the beacon connection information to the wallet service device 30 in step S13. In step S15, the terminal 10 transmits a user ID to the beacon module 21 to request a check-in. Then, the beacon module 21 requests the user information from the wallet service device 30 and receives the user information from the wallet service device 30 (S17 to S19).

The beacon module 21 transmits the user information received from the wallet service device 30 to the POS module 22 in step S21. Here, the user information includes at least one of a user name, terminal identification information, credit card information, or membership information. Then, the POS module 22 identifies the user based on the user information in step S23.

Meanwhile, the beacon module 21 transmits the check-in success result to the terminal 10 in step S25.

6 is a data flow chart for explaining a payment process using a beacon according to an embodiment of the present invention.

Referring to FIG. 6, in the settlement process using the beacon according to the present invention, the terminal 10 performs a check-in process as described with reference to FIG.

When the check-in with the beacon module 21 is completed in step S31, the terminal 10 requests the POS module 22 for an order for the specific commodity. When the product order is requested, the POS module 22 requests the terminal 10 to issue a payment OTP in step S33. At this time, when the beacon service device 20 requests payment, the terminal 10 executes the Wallet application and outputs a PIN number input window in the Wallet application. Then, the terminal 10 receives the PIN number, and when the input PIN number matches the predetermined PIN number, requests the OTP issuance to the Wallet service device 30 for payment.

When the payment OTP issuance is requested, the terminal 10 requests the settlement OTP issuance to the wallet service device 30 in order to request payment at step S35. Then, in step S37, the WALLET SERVICE DEVICE 30 issues a payment OTP and transmits the payment OTP to the terminal 10.

When the payment OTP is received, the terminal 10 transmits the payment OTP to the POS module 22 in step S39.

In step S41, the POS module 22 requests payment information to the Wallet service device 30 in response to the payment OTP. In step S43, the wallet service device 30 confirms the payment information associated with the terminal 10 and transmits the confirmed payment information to the POS module 22. [ In step S45, the POS module 22 requests the membership service device 40 for the membership service. The membership service apparatus 40 applies the membership service related to the terminal in step S47 and returns the applied result to the POS module 22. [

The POS module 22 requests the payment service apparatus 50 to approve the settlement in step S49. Then, the settlement service apparatus 50 confirms payment in step S51, and returns the processed result to the POS module 22. [

Thereafter, the POS module 22 transmits the payment approval result to the beacon module 21, and the beacon module 21 transmits the payment approval result received from the POS module 22 to the terminal 10 (S53 to S55 ).

That is, according to the present invention, the user inputs the information of the issued card to the wallet, and enters a settlement password necessary for settlement to use the safety card. Thereafter, the user can settle the card using the wallet even if the user does not have a credit card issued. Offline settlement using a beacon allows a user to enter a beacon area for purchasing and paying for a product, so that the user can provide (check in) the user's information to the POS system connected to the beacon.

When the POS system makes a payment request, the Wallet application runs and exposes a screen for entering the PIN number. The Wallet application requests the OTP issuance to the Wallet platform and delivers the OTP received from the Wallet platform to the POS system via the beacon.

The POS system requests the Wallet platform for the credit card information and membership information necessary for actual settlement with the OTP received from the beacon. The Welette platform confirms that the issued OTP is correct and passes the POS payment information to the payment platform.

The POS system, which receives information related to settlement, processes payment, membership accumulation / discount / use, etc. through the membership platform and payment platform, and passes the processing result to the beacon. The beacon passes the processing result to the user's Wallet application, and the payment ends when the user confirms the processing result.

7 is a flowchart illustrating a method of operating a terminal in a check-in process using a beacon according to the present invention.

Referring to FIG. 7, in the check-in process using the beacon according to the present invention, the terminal 10 accesses the beacon area of the beacon service apparatus 20 located in a specific store in step S61. Then, the terminal 10 receives the beacon connection information from the beacon service apparatus 20 in step S63. Then, the terminal 10 transmits the beacon connection information to the wallet service device 30 in step S65.

The terminal 10 transmits the user ID to the beacon service apparatus 20 in step S67 and requests the beacon service apparatus 20 to check in based on the user ID. Then, the terminal 10 receives the check-in result based on the user information from the beacon service apparatus 20 in step S69.

FIG. 8 is a flowchart illustrating a method of operating a terminal in a payment process using a beacon according to the present invention.

Referring to FIG. 8, when the check-in with the beacon service device 20 is completed in step S81, the terminal 10 in the payment process using the beacon according to the present invention transmits a payment OTP issuance to the wallet And requests it to the service device 30. At this time, when the beacon service device 20 requests payment, the terminal 10 executes the Wallet application and outputs a PIN number input window in the Wallet application. Then, the terminal 10 receives the PIN number, and when the input PIN number matches the predetermined PIN number, requests the OTP issuance to the Wallet service device 30 for payment. The terminal 10 issues a settlement OTP from the wallet service device 30 in step S83.

The terminal 10 transmits the payment OTP issued in step S85 to the beacon service apparatus 20. [ Thereafter, the terminal 10 receives the settlement approval result from the beacon service apparatus 20 in step S87.

9 is a flowchart illustrating an operation method of the beacon service apparatus according to the present invention.

9, the beacon service apparatus 20 according to the present invention receives a payment OTP for payment of a specific commodity from the terminal 10 when the check-in with the terminal 10 is completed in step S91.

In step S93, the beacon service apparatus 20 requests the settlement information including the card information and the membership information to the wallet service apparatus 30 according to the settlement OTP. Then, the beacon service device 20 receives payment information from the wallet service device 30 in step S95.

In step S97, the beacon service apparatus 20 requests the membership service apparatus 40 to process the membership service according to the payment information, and requests the settlement service apparatus 50 to process the payment. Thereafter, the beacon service apparatus 20 transmits the settlement approval result received from the settlement service apparatus 50 to the terminal 10 in step S99.

FIG. 10 is a flowchart illustrating an operation method of a wallet service apparatus according to the present invention.

Referring to FIG. 10, the wallet service apparatus 30 according to the present invention receives beacon connection information from the terminal 10 in step S101. If the user information is requested from the beacon service device 20 in step S103, the wallet service device 30 provides the user information related to the beacon connection information.

In step S105, the WALLET SERVICE DEVICE 30 issues a payment OTP for payment when the payment OTP issuance is requested from the terminal 10. Then, when the payment information is requested from the beacon service device 20 in step S107, the wallet service device 30 provides payment information.

Implementations of the various techniques described herein may be implemented in digital electronic circuitry, or in computer hardware, firmware, software, or combinations thereof. Implementations may be implemented in a computer program product, such as an information carrier, e.g., a machine readable storage device, such as a computer readable storage medium, for example, for processing by a data processing apparatus, Apparatus (computer readable medium) or as a computer program tangibly embodied in a propagation signal. A computer program, such as the computer program (s) described above, may be written in any form of programming language, including compiled or interpreted languages, and may be stored as a stand-alone program or in a module, component, subroutine, As other suitable units for use in the present invention. A computer program may be deployed to be processed on one computer or multiple computers at one site or distributed across multiple sites and interconnected by a communications network.

The method steps may be performed by one or more programmable processors executing a computer program to perform functions by operating on input data and generating an output. The method steps may also be performed by special purpose logic circuitry, e.g., a field programmable gate array (FPGA) or an application-specific integrated circuit (ASIC), and the devices may be implemented as such.

Processors suitable for processing a computer program include, by way of example, both general purpose and special purpose microprocessors, and any one or more processors of any kind of digital computer. Generally, a processor will receive instructions and data from a read-only memory or a random access memory or both. The elements of a computer may include at least one processor for executing instructions and one or more memory devices for storing instructions and data. Generally, a computer may include one or more mass storage devices for storing data, such as magnetic, magneto-optical disks, or optical disks, or may receive data from them, transmit data to them, . ≪ / RTI > Information carriers suitable for embodying computer program instructions and data include, for example, semiconductor memory devices, for example, magnetic media such as hard disks, floppy disks and magnetic tape, compact disk read only memory A magneto-optical medium such as a floppy disk, an optical disk such as a DVD (Digital Video Disk), a ROM (Read Only Memory), a RAM , Random Access Memory), a flash memory, an EPROM (Erasable Programmable ROM), an EEPROM (Electrically Erasable Programmable ROM), and the like. The processor and memory may be supplemented or included by special purpose logic circuitry.

While the specification contains a number of specific implementation details, it should be understood that they are not to be construed as limitations on the scope of any invention or claim, but rather on the description of features that may be specific to a particular embodiment of a particular invention Should be understood. Certain features described herein in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features described in the context of a single embodiment may also be implemented in multiple embodiments, either individually or in any suitable subcombination. Further, although the features may operate in a particular combination and may be initially described as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, Or a variant of a subcombination.

Likewise, although the operations are depicted in the drawings in a particular order, it should be understood that such operations must be performed in that particular order or sequential order shown to achieve the desired result, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous. Also, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products It should be understood.

It should be noted that the embodiments of the present invention disclosed in the present specification and drawings are only illustrative of specific examples for the purpose of understanding and are not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

The present invention recognizes a merchant and a user via a beacon and automatically provides a credit card or a membership card possessed by the user, thereby simplifying a goods settlement service. Accordingly, since the user does not have to issue a mobile card or provide a credit card separately in order to use the offline card payment function of the wallet using the beacon, and the server has the accurate merchant information and the user's information, It is possible to conveniently receive credit card benefits as well as membership card benefits at a time by simply receiving a payment approval action to enter the area and a PIN number, thereby maximizing the convenience and safety of the user. Also, when a user wants to pay for a merchandise at a merchant, he or she can accurately recognize the user and merchant using a beacon and automatically map the card with the highest benefit at the merchant using the information registered in the Wallet application, Allowing the user to consume reasonably without any additional action. This is not only a possibility of commercialization or sales, but also a possibility of being industrially applicable since it is practically possible to carry out clearly.

10: terminal 20: beacon service device 30: wallet service device
40: Membership Service Device 50: Payment Service Device 60:
11: control unit 12: input unit 13:
14: storage unit 15: audio processing unit 16:
17: communication unit 21: beacon module 22: POS module
23: storage module 24: communication module 31: service controller
32: service storage unit 33: service communication unit 11a: beacon confirmation module
11b: payment management module 100: payment system using beacon

Claims (18)

A communication module communicating with at least one terminal, a wallet service device, a membership service device, and a payment service device to transmit and receive data to be used for settlement using a beacon; And
Requesting the user information related to a user ID to the Wallet service device upon request of the terminal for payment for at least one product when the terminal is located within the beacon area, A beacon module for communicating user information received in response to the request from the Wallet service device to the POS module and providing a result of the check-in to the terminal; And
When the check-in with the terminal is completed, receives a payment OTP (One Time Password) for payment of the goods from the terminal and requests payment information including card information and membership information to the Wallet service device according to the payment OTP Requesting the membership service apparatus to process the membership service according to the received payment information, requesting the settlement service apparatus to perform settlement processing, receiving the settlement processing request from the settlement service apparatus, The POS module controlling the payment approval result to be transmitted to the terminal;
The beacon service apparatus comprising: The system of claim 1, wherein the POS module
Wherein the beacon module receives user information stored in the wallet service device through the beacon module and identifies a user of the terminal based on the user information. A wallet service communication unit for communicating with at least one terminal and a beacon service device to transmit and receive data to be used for settlement using a beacon; And
The method comprising: receiving beacon connection information from the terminal; providing user information related to the beacon connection information when the beacon service device requests the user information; issuing a payment OTP for payment when payment OTP issuance is requested from the terminal; A billing service controller for controlling payment information to be provided when payment information is requested from the beacon service device;
Lt; RTI ID = 0.0 > a < / RTI > A communication unit communicating with the beacon service device and the wallet service device to transmit and receive data to be used for settlement using a beacon; And
When the beacon service device is connected to the beacon area of the beacon service device located in a specific store, receives the beacon connection information from the beacon service device, transfers the beacon connection information to the wallet service device, A control unit for requesting a check-in and controlling the beacon service apparatus to receive a check-in result based on user information;
And a second terminal. 5. The apparatus of claim 4, wherein the control unit
Requesting a settlement OTP issuance to request settlement of at least one commodity upon completion of check-in with the beacon service apparatus, and when a settlement OTP is issued from the Wallet service apparatus, To the beacon service device, and receives a payment approval result from the beacon service device. When the beacon service device is connected to a beacon area of a beacon service device located in a specific store, receives beacon connection information from the beacon service device, transfers the beacon connection information to the wallet service device, transmits a user ID to the beacon service device, And receiving a check-in result based on the user information from the beacon service device;
Receiving a settlement OTP for payment of goods from the terminal when the terminal accesses the beacon area and completes check-in with the terminal, and transmits settlement information including card information and membership information to the wallet service Requesting the membership service apparatus to process the membership service according to the received payment information, requesting the payment service apparatus to perform a payment processing, The beacon service device transmitting the payment approval result received from the beacon service device to the terminal; And
The method comprising: receiving beacon connection information from the terminal; providing user information related to the beacon connection information when the beacon service device requests the user information; issuing a payment OTP for payment when payment OTP issuance is requested from the terminal; The settlement information providing unit providing settlement information when payment information is requested from the beacon service apparatus;
The payment system using the beacon. The method according to claim 6,
A membership service apparatus for processing a membership service for at least one of membership acquisition information or discount information related to a terminal located in the beacon region according to a request of the beacon service apparatus;
Further comprising the step of: The method according to claim 6,
A settlement service device for processing settlement according to card information corresponding to a terminal located in the beacon area when payment approval is requested from the beacon service device;
Further comprising the step of: 7. The method of claim 6,
Requesting a settlement OTP issuance to request settlement of at least one commodity upon completion of check-in with the beacon service apparatus, and when a settlement OTP is issued from the Wallet service apparatus, To the beacon service apparatus, and receives a payment approval result from the beacon service apparatus. Connecting a beacon area of a beacon service device where the terminal is located in a particular store;
Receiving beacon connection information from the beacon service device as the terminal connects to the beacon area;
The terminal transmitting the beacon connection information to a wallet service device;
The terminal transmitting a user ID to the beacon service apparatus and requesting a check-in based on the user ID; And
Receiving, by the terminal, a check-in result based on user information from the beacon service device;
The method comprising the steps of: 11. The method of claim 10,
A UDID (Unique Device Identification), a beacon group information, identification information in a beacon group, and a member ID. 11. The method of claim 10,
A user name, terminal identification information, credit card information, or membership information. Performing a check-in with a beacon service device by entering a beacon area in a specific store;
Requesting a payment OTP issuance to a wallet service device to request payment for at least one merchandise when the terminal is checked in with the beacon service device;
Receiving a settlement OTP from the wallet service device;
Transferring the issued payment OTP to the beacon service device; And
Receiving a payment approval result from the beacon service device;
The method comprising the steps of: 14. The method of claim 13, wherein the requesting step
Requesting settlement in the beacon service device, the terminal executing a Wallet application;
The terminal outputting a PIN (Personal Identification Number) number window in the Wallet application;
Receiving a PIN number from the terminal; And
Requesting the terminal to issue an OTP for settlement to the WALLET SERVICE DEVICE when the PIN number matches the pre-established PIN number;
The method comprising the steps of: Receiving a payment OTP for payment of at least one commodity from the terminal when the beacon service apparatus is checked in with at least one terminal;
Requesting, by the beacon service, payment information including card information and membership information according to the received payment OTP to the Wallet service apparatus;
Requesting the membership service apparatus to process the membership service according to the received payment information when the beacon service receives payment information from the wallet service apparatus; And
Transmitting a payment approval result received from the payment service apparatus to the terminal, wherein the beacon service requests the payment processing apparatus to perform a payment processing;
The method comprising the steps of: Accessing a beacon area of a beacon service device located in a specific store;
Receiving beacon connection information from the beacon service device upon connection to the beacon area;
Transferring the beacon connection information to a wallet service device;
Transmitting a user ID to the beacon service apparatus and requesting a check-in based on the user ID; And
And a step of receiving a check-in result based on the user information from the beacon service device. Entering a beacon area in a specific store to perform a check-in with a beacon service device;
Requesting a settlement OTP issuance to the wallet service apparatus to request settlement of at least one commodity when check-in with the beacon service apparatus is completed;
Receiving a settlement OTP from the Wallet service device;
Transferring the issued payment OTP to the beacon service apparatus; And
And a step of receiving a payment approval result from the beacon service device. Receiving a payment OTP for payment of at least one commodity from the terminal when check-in with at least one terminal is completed;
Requesting payment information including card information and membership information to the Wallet service device according to the received payment OTP;
Requesting the membership service apparatus to process the membership service according to the received payment information when payment information is received from the WALLET SERVICE DEVICE; And
Requesting a settlement processing to the settlement service apparatus, and transmitting a payment approval result received from the settlement service apparatus to the terminal.

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