KR20150142437A - Method for providing payment service using electronic card and system for providing payment service thereof - Google Patents

Abstract

The present invention relates to a method and system for providing a payment service by using an electronic card. The method of the present invention comprises the steps of: providing a payment service by using an electronic card having a first and a second communications module which communicate according to different communications schemes, and transmitting user identification information stored in a memory via the first communications module of the electronic card; supplying power to the second communications module when an external signal is received by the first communications module; and transmitting at least one among private information, membership information and card information of a user stored in the memory via the second communications module to which power is supplied, wherein at least one among the transmitted private information, membership information and card information is received by a near-field communication (NFC) device installed at a store and then transmitted to a payment terminal device for use in payment.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a payment service providing method using an electronic card, and a payment service providing system using the same,

The present invention relates to a method of providing a payment service using an electronic card capable of power control.

A company that sells goods or services issues a membership card to a customer who has a certain level of purchasing history to secure a fixed income by increasing the loyalty of the customer by giving more benefits to the customer, Or membership discounting services such as discounting events and points when purchasing services.

In order to receive the membership service benefits, the customer must have a membership card at the time of visiting the store, but as the number of membership cards increases, the use and management are inconvenient. In addition, there is an inconvenience that the store manager checks the membership card owned by the customer by using a separate device such as a barcode scanner.

In recent years, there have been a number of technologies for providing a service by issuing a membership card using unique identification information of a mobile communication terminal. Even if a customer does not need to hold an existing type of membership card, Membership services are available.

However, even when the membership service is provided using the membership card information stored in the mobile communication terminal as described above, the customer can also take out the smartphone and execute an application for using the membership service to transmit the membership card information to the wireless communication device There was still an inconvenience to convey.

Also, in order to receive membership services such as earning and discounting at the time of payment for a purchased product or service, a membership card is presented and a credit card for actual payment should be additionally provided. There was a time-consuming problem.

An object of the present invention is to provide a quick and convenient payment related service using an electronic card capable of power control.

A method of providing a payment service according to an exemplary embodiment of the present invention provides a payment service using an electronic card having a first communication module and a second communication module that communicate according to different communication methods, Transmitting user identification information stored in a memory using a communication module; Supplying power to the second communication module when an external signal is received through the first communication module; And transmitting at least one of the user's personal information, membership information, and card information stored in the memory using the second communication module supplied with the power, and transmitting at least one of the transmitted personal information, membership information, At least one is received by the near-field wireless communication device installed in the store and then delivered to the payment terminal device and used for settlement.

A payment service providing system according to an embodiment of the present invention includes a first communication module and a second communication module that communicate using communication methods of different frequency bands and an external signal is received through the first communication module An electronic card for supplying power to the second communication module and transmitting at least one of the user's personal information, membership information and card information stored in the memory through the second communication module; A reader device installed adjacent to a counter of the store for receiving user identification information transmitted from a first communication module of the electronic card; And a controller for checking whether the registered member is a member based on the user identification information transmitted from the reader device and transmitting the external signal to the first communication module via the reader device when the user of the electronic card is identified as a registered member A server device; A short range wireless communication device installed in the store and receiving at least one of personal information, membership information and card information transmitted from a second communication module of the electronic card; And a payment terminal device installed in the store and performing settlement using at least one of the personal information, membership information, and card information transmitted from the short range wireless communication device.

Meanwhile, the payment service providing method may be implemented as a computer-readable recording medium on which a program to be executed by a computer is recorded.

According to an embodiment of the present invention, the power of the communication module provided in the electronic card for the transmission of personal information is controlled according to an external signal received through another communication module, so that the use period of the electronic card using the small- Can be increased.

When entering a store of a customer, personal information such as member information is automatically transmitted using an electronic card according to an embodiment of the present invention, thereby eliminating the inconvenience that a separate card or cellular phone should be presented to receive a membership service .

After confirming whether or not the member is registered through the server, power is supplied to the communication module provided in the electronic card, and personal information is encrypted and transmitted, thereby reducing the damage caused by leakage of personal information.

Also, by using the local wireless communication devices installed in the store, personal information, membership information, or card information stored in the electronic card is received and used for payment, the payment service can be provided quickly and conveniently according to the payment means desired by the customer .

1 is a block diagram showing a configuration of a settlement service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating an embodiment of an electronic card according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing a payment service using an electronic card according to an embodiment of the present invention.
4 is a diagram for explaining an operation of an operation of a payment service providing system including an electronic card.
5 to 7 are diagrams for explaining embodiments of a method for performing settlement using information obtained from an electronic card.
8 to 11 are diagrams for explaining an example of a short-range wireless communication method.

Hereinafter, a method of providing a settlement service using an electronic card and a settlement service providing system using the same according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

The foregoing objects, features and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings. Like reference numerals designate like elements throughout the specification. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Hereinafter, terminal devices and servers related to the present invention will be described in detail with reference to the drawings. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role.

FIG. 1 is a block diagram of a billing service providing system according to an embodiment of the present invention. The illustrated system includes an electronic card 100, a reader 200, a short range wireless communication device 250, An apparatus 260, a server 300, and a database 350. [

Referring to FIG. 1, the electronic card 100 may include one or more communication modules to transmit data stored in an internal memory to an external device or receive data from an external device.

According to an embodiment of the present invention, the electronic card 100 includes a first communication module and a second communication module that communicate using communication methods of different frequency bands, It is possible to control the power supply to the second communication module.

For example, the first communication module provided in the electronic card 100 transmits and receives signals using a Radio Frequency IDentification (RFID) communication method in a frequency band of 900 MHz, and the second communication module transmits and receives signals in a 2.4 GHz frequency band Bluetooth communication method To transmit and receive signals.

However, the present invention is not limited to the above-described communication method. The first and second communication modules provided in the electronic card 100 may be connected to each other via a network such as Near Field Communication (NFC), Zigbee, Wi-Fi, And may be implemented using various short range wireless communication standards.

Meanwhile, the reader device 200 may receive the user identification information transmitted from the first communication module of the electronic card 100, and may transmit the received user identification information to the server 300.

For example, the reader device 200 may be installed near the entrance of the offline store, and may receive the user identification information from the electronic card 100 owned by the customer entering the store, The user identification information can be received from the electronic card 100 possessed by the customer who wishes to make a payment for the goods or services.

The server 300 searches and confirms whether the user is a registered member for use of the service based on the user identification information of the electronic card 100 transmitted from the reader device 100, And the information on the confirmation result can be transmitted to the reader device 200. [

The reader device 200 can transmit a signal to the first communication module of the electronic card 100 when the user of the electronic card 100 is confirmed as a registered member according to the result confirmed by the server 300. [

For this purpose, the first communication module and the reader device 200 provided in the electronic card 100 communicate with each other using various short-range wireless communication methods such as RFID (Radio Frequency Identification) communication method in the 900 MHz frequency band .

Meanwhile, when an external signal transmitted from the reader device 200 is received through the first communication module of the electronic card 100, power is supplied to the second communication module, and the user's personal information, membership information, Card information or the like can be transmitted through the second communication module.

The personal information stored in the internal memory of the electronic card 100 and transmitted to the outside through the second communication module may include information necessary for using the service. For example, the personal information includes the name, date of birth or telephone number of the user can do.

The personal information may be used for the purpose of identifying the user, or the telephone number included in the personal information may be used to perform settlement through the user's mobile terminal device (not shown).

In addition, the membership information may be used to provide a membership service such as discount or accumulation related to settlement to a customer having the electronic card 100.

Card information stored in the internal memory of the electronic card 100 and transmitted to the outside through the second communication module can be used for card settlement through the payment terminal 260. [

Meanwhile, in order to protect the user's privacy, the personal information, membership information, and card information are stored in the internal memory of the electronic card 100 in an encrypted state, or transmitted to the outside using the first communication module or the second communication module It can be encrypted according to a specific encryption method before it is transmitted.

The encryption method may be a method that can be decrypted only by a predetermined external device, for example, a server 300 providing a payment service according to an embodiment of the present invention.

The short range wireless communication apparatus 250 receives the personal information, membership information, or card information transmitted from the second communication module of the powered electronic card 100 and transmits the personal information, membership information, or card information to the payment terminal 260 or the server 300 ). ≪ / RTI >

For this purpose, the second communication module and the short-range wireless communication device 250 provided in the electronic card 100 can communicate using various short-range wireless communication methods such as the Bluetooth communication method of the 2.4-GHz frequency band as described above .

According to an embodiment of the present invention, the payment terminal 260 performs settlement using personal information, membership information, or card information for the user of the electronic card 100 transmitted from the short range wireless communication device 250 .

For example, the payment terminal 260 may be a credit authorization terminal, a point of sale (POS) terminal, a wire terminal, or a wireless terminal . ≪ / RTI >

The payment terminal device 260 is a combination of functions of a money register and a computer terminal to process data such as a product name and a price at the time of sale and to settle the amount of money and at the same time collects various information and data necessary for retail management It may be a device that may be capable of processing.

In addition, the server 300 may provide various location-based services such as a map subscription service, an advertisement service, a payment service, or the like, using the information transmitted from the short- range wireless communication device 250.

FIG. 2 is a block diagram of an electronic card 100 according to an embodiment of the present invention. The electronic card 100 includes a first communication module 110, a second communication module 120, A controller 130, a battery 140, and a memory 150. [

Referring to FIG. 2, the first communication module 110 may transmit or receive a signal according to the first communication method, and the second communication module 120 may transmit or receive a signal according to the second communication method.

According to an embodiment of the present invention, the first communication module 110 may transmit / receive a signal using a Radio Frequency IDentification (RFID) communication method in a frequency band of 900 MHz, and the second communication module 120 may transmit / Band Bluetooth Low Energy (BLE) communication method to transmit and receive signals.

Bluetooth low energy (BLE) is a wireless communication protocol used to transmit messages with low energy, and the BLE specification is defined in Volume 6 of the Bluetooth Specification.

This Bluetooth low energy (BLE) operates in the 2.4 GHz ISM band (2400-2483.5 MHz), which is a short wavelength wireless transmission frequency, and uses 40 RF channels of 2 MHz in that range. In addition, Bluetooth low energy can use a radio technology called a frequency-hopping spread spectrum in which the data to be transmitted is chopped and the chunk transferred over the other channels.

In addition, Bluetooth low energy (BLE) can have a transmission range of approximately 50 m, a data rate of 1 Mb / s, and a power consumption of 1% to 50% compared to conventional Bluetooth.

The battery 140 serves to supply power to each of the components included therein for the operation of the electronic card 100. For example, in consideration of the size of the electronic card 100, .

For example, the battery 140 provided in the electronic card 100 may be formed of a lithium polymer battery having a small total capacity of about 25 mAh.

On the other hand, power supply from the battery 140 to the first communication module 110 or the second communication module 120 can be controlled by the controller 130.

According to an embodiment of the present invention, the controller 130 supplies a minimum power from the battery 140 to the first communication module 110 consuming less power than the second communication module 120, The communication module 110 causes the signal including the user identification information (e.g., user ID) stored in the memory 150 to be continuously broadcasted to the outside, and the response to the externally broadcast signal And receive the external signal transmitted from the reader device 200. [

Meanwhile, when the external signal is received from the reader device 200 through the first communication module 110, the controller 130 interrupts power supply from the battery 140 to the second communication module 120 So that power supply from the battery 140 to the second communication module 120 can be started.

The second communication module 120 supplied with power as described above broadcasts a signal including personal information, membership information, or card information stored in the memory 150, and transmits the signal to the near field wireless communication device 250 installed in the store To be received.

Meanwhile, the personal information, membership information, or card information received in the short range wireless communication apparatus 250 may be transmitted to the payment terminal 260 and used for payment.

3, the controller 130 and the first communication module 110 may be configured to control power supplied to the second communication module 120 according to a signal received from the outside, And may be implemented as a control chip.

FIG. 3 is a flowchart illustrating a method of providing a payment service using an electronic card according to an embodiment of the present invention. Referring to FIG. 3, Will be described in connection with a block diagram showing a configuration.

3, the controller 130 of the electronic card 100 transmits the user identification information stored in the memory 150 using the first communication module 110 communicating according to the first communication method ).

For example, under the control of the controller 130, the first communication module 110 transmits the user ID stored in the memory 150 (using the RFID communication method having the 900 MHz frequency band) ID). ≪ / RTI >

On the other hand, when a customer carrying the electronic card 100 moves to the counter, a signal broadcast from the first communication module 110 of the electronic card 100 is received by the reader device 200 installed around the counter .

For example, in the 900Mhz RFID communication system, when a customer having the electronic card 100 approaches within about 10m from the position where the reader device 200 is installed, the reader device 200 is connected to the electronic card 100 The user ID of the stored customer can be read.

The user ID included in the signal received by the reader device 200 is transmitted to the server 300. The server 300 searches the database 350 for the transmitted user ID, It is possible to confirm whether or not the user is a registered member for use.

The confirmation result in the server 300 is transmitted to the reader device 200 and the reader device 200 can transmit a signal to the first communication module 110 of the electronic card 100 when the reader device 200 is a registered member.

When the external signal from the reader device 200 is received by the first communication module 110 of the electronic card 100 in step S310, 120 in step S320.

Then, the control unit 130 transmits at least one of personal information, membership information, and card information stored in the memory 150 using the second communication module 120 supplied with power (step S330).

If the communication between the second communication module 120 and the external device is not performed for a predetermined period of time after power is supplied to the second communication module 120 in step 320, The power supply to the power supply 120 can be cut off.

For example, when the second communication module 120 is powered on and a signal including personal information stored in the memory 150 is broadcasted for a certain period of time after being connected by a connection request from an external device, If communication such as transmission / reception is not performed, the control unit 130 may stop power supply to the second communication module 120 so that the signal including the personal information is not broadcasted any more.

According to an embodiment of the present invention, by supplying power to the second communication module 120 only when the user of the electronic card 100 is a member registered in advance for use of the service, It is possible to prevent the information stored in the user from being leaked to the outside for purposes other than the service use desired by the user.

According to an embodiment of the present invention, the personal information, membership information, or card information transmitted from the second communication module 120 of the electronic card 100 in step S330 may be transmitted from the short- 250), and can be used as information necessary for settlement of goods or services purchased by the customer.

For example, the personal information acquired by the in-store wireless local area network 250 may include a name, a date of birth, and a telephone number of the user, and the payment information may be transmitted to the payment terminal 260, Lt; / RTI >

The payment terminal 260 uses the delivered customer telephone number so that the payment information including the name of the merchant, the purchased product or service name, and the payment amount is transmitted to the mobile terminal of the customer holding the electronic card 100 Can be processed.

In this case, the mobile terminal of the customer can perform settlement processing according to the approval of the customer by using any one of various mobile payment methods according to the received payment information.

The billing terminal device 260 may generate a message for requesting payment using the customer card information transmitted from the short range wireless communication device 250 and transmit the message to the payment relay server (not shown) have.

According to another embodiment of the present invention, the membership information obtained from the electronic card 100 may be used for providing a membership service such as accumulation or discount related to settlement.

FIG. 4 is a view for explaining an operation of a payment service providing system including an electronic card according to an embodiment of the present invention. Referring to FIGS. 1 to 3, The description of the same thing will be omitted hereunder.

Referring to FIG. 4, a reader device 200 as described with reference to FIGS. 1 to 3 may be installed near an entrance of an offline store.

Accordingly, when the customer having the electronic card 100 according to the embodiment of the present invention enters the store, the user ID transmitted from the first communication module 110 of the electronic card 100 is transmitted to the reader device 200 ). ≪ / RTI >

For example, the RFID reader, which is the reader device 200 installed at the store entrance, can read the user ID stored in the electronic card 100 owned by the customer who enters the store.

As described above, the user ID received by the reader device 200 can be transmitted to the server 300 for confirmation of member registration.

The server 300 can confirm whether the customer who entered the store by using the user ID transmitted from the reader device 200 is a member registered in advance for use of the service.

If the server 300 determines that the customer is a registered member, the control unit 130 of the electronic card 100 can supply power to the second communication module 120 to operate the second communication module 120. [

4, another reader device 210 may be installed at the counter of the store together with the settlement terminal device 260, and the reader device 210 may include the electronic card 100, When a customer moves to the cash register, power can be supplied to the second communication module 120 of the electronic card 100 through the above-described operation.

Meanwhile, the second communication module 120 supplied with power supplies a signal including information necessary for use of a payment service or the like, such as user personal information, membership information and card information stored in the memory 150, Lt; RTI ID = 0.0 > advertising channels. ≪ / RTI >

The signal broadcasted from the second communication module 120 of the electronic card 100 may be received by the short range wireless communication device 250 installed at a specific location in the store.

For example, when the second communication module 120 of the electronic card 100 and the short-range wireless communication device 250 in the store communicate using the Bluetooth Low Energy (BLE) communication standard, The short range wireless communication device 250 located within a distance of about 50 to 70 meters from the first communication module 120 of the electronic card 100 may receive a signal broadcast from the second communication module 120 of the electronic card 100. [

The signal broadcasted from the second communication module 120 of the electronic card 100 further includes address information for accessing the second communication module 120 together with the user personal information, membership information, and card information can do.

The short-range wireless communication device 250 may directly transmit and receive a signal by connecting to the second communication module 120 of the electronic card 100 using the address information.

The user personal information, membership information, and card information received from the second communication module 120 of the electronic card 100 to the short range wireless communication device 250 are transmitted to the payment terminal 260, Membership service). ≪ / RTI >

4, the server 300 serving as the above-described server may be divided into the service server 301 and the payment relay server 302. In this case, A Value Added Network (VAN) and a Payment Gateway (PG) for relaying online / offline payment between the terminal device 260 and a credit card company server (not shown).

According to an embodiment of the present invention, at least one of the user personal information, membership information, and card information stored in the electronic card 100 is transmitted to the payment terminal device 260 ) So that the customer can receive a membership card such as a discount, an event, a point accumulation, etc., and perform payment without having to take out a membership card or a credit card for payment and present it to the store manager .

4, a plurality of short-range wireless communication devices 250 may be installed in each of a plurality of locations in the store. In this case, various short- Services may be provided.

According to another embodiment of the present invention, the electronic card 100 and the user's mobile terminal communicate with each other so that various information such as the power supply state of the electronic card 100 and the battery remaining amount are provided to the user through the mobile terminal can do.

For example, an application for service using the electronic card as described above may be installed in the customer's mobile terminal device, and the second communication module 120 (120) of the electronic card 100 The mobile terminal device can automatically execute the installed application when a signal is received from the mobile terminal device.

Meanwhile, the mobile terminal device may be connected to the second communication module 120 of the electronic card 100 through the application, and may be connected to each other according to a Bluetooth low energy (BLE) communication standard, for example, have.

For example, the membership information (for example, membership card number) stored in the memory 150 of the electronic card 100 is transmitted to the mobile terminal device 380 through the second communication module 120, And can be displayed on the screen 381.

In this case, the mobile terminal device receives discount / event information or accumulated points from an external server using the membership information (for example, membership card number) received from the second communication module 120 of the electronic card 100 Information and the like can be acquired and displayed on the screen.

The controller 130 of the electronic card 100 transmits information about the power supply state or the remaining battery power to the second communication module 120 every time the power supply to the second communication module 120 is started or interrupted To the customer mobile terminal device.

Accordingly, the user can check the power supply to the second communication module 120 of the electronic card 100 through the screen of the mobile terminal device, the remaining battery level, and the like.

Hereinafter, embodiments of a method for performing settlement using information obtained from the electronic card 100 will be described in more detail with reference to FIGS. 5 to 7. FIG.

First, when a customer having the electronic card 100 moves to the checkout counter for payment, personal information including the customer's telephone number, membership information or card information is read from the electronic card 100, 260, respectively.

Thereafter, when the customer intends to pay with cash or a separate credit card, settlement is performed using the settlement terminal 260, and the membership and the discount are performed using the membership information read from the electronic card 100 .

On the other hand, when the customer desires to make payment using a mobile terminal such as a smart phone, the payment terminal 260 transmits the payment information to the mobile terminal of the customer having the telephone number read from the electronic card 100, The mobile terminal device of FIG.

5, when a customer who has the electronic card 100 requests payment using the mobile terminal device 380, the payment terminal device 260 receives the telephone number from the payment terminal device 260 according to the telephone number read from the electronic card 100 The mobile terminal device 380 may transmit payment information including a merchant name, a purchase product or service name, and a payment amount.

For example, the payment terminal device 260 transmits a push message including the payment information to a mobile payment application installed in the mobile terminal device 380, The payment can be requested together with the execution.

Meanwhile, the mobile payment application installed in the mobile terminal device 380 may be various applications provided by a communication company or a credit card company for mobile settlement.

In this case, payment information received from the payment terminal device 260 is displayed on the screen 381 of the mobile terminal device 380 through the payment information window 382, and the payment information is displayed in addition to the merchant name, Membership discount and accumulation information processed according to the membership information read from the electronic card 100 and points accumulated until now.

After confirming the payment information as described above, the customer can select a payment method through the mobile terminal device 380.

For example, when the customer presses the "payment method selection" button 383 displayed on the screen 381 of the mobile terminal device 380, the customer selects a mobile payment means such as a credit card as shown in FIG. 6 The payment can be processed.

The customer may also press a "Pay Points" button 384 displayed on the screen 381 of the mobile terminal device 380 to cause the payment to be processed to the points earned through the carrier or credit card company.

Then, the customer can press the "micropayment" button 384 displayed on the screen 381 of the mobile terminal device 380 to process the payment using the micropayment service provided by the communication company.

According to another embodiment of the present invention, when a customer desires to pay with a credit card in which information is stored in the electronic card 100, the payment terminal 260 uses the card information read from the electronic card 100, It is possible to generate a request for the request and transmit it to the payment relay server 302 so that the payment is processed.

The card information stored in the electronic card 100 may include a card number, an expiration date, etc., and an input device (e.g., a keypad) for inputting a signature or a password of a customer is stored in the payment terminal 260 Can be connected.

In this case, even if the customer does not take out a separate credit card for settlement, settlement is completed in the settlement terminal 260 using the card information stored in the electronic card 100. As shown in FIG. 7, It is possible to confirm whether payment has been completed through the payment approval result message transmitted to the payment server 380.

8 to 11 illustrate a short-range wireless communication method according to an embodiment of the present invention. Hereinafter, a description will be given of a method of transmitting / receiving data between a second communication module 120 of the electronic card 100 and a short- The signal transmitting / receiving method will be described in detail.

FIG. 8 is a diagram illustrating a link layer state of a short-range wireless communication according to an embodiment of the present invention.

Referring to FIG. 8, short-range wireless communication includes a link state of a link state of a standby state, an advertising state, a scanning state, an initiating state, a connection state, layer state.

The standby state may be a state in which packets are not transmitted and received and may be ready for entry in both an advertisement state, a scanning state, a start state, and a connection state.

An advertising state may be a state of broadcasting advertising channel packets and optionally listening to and responding to a response triggered from the ad channel packet. Here, the advertisement state can be entered in the idle state, and the device in the advertisement state can be referred to as an advertiser.

A scanning state may be a state in which an advertisement channel packet is received from an advertiser, a scanning state may be entered in a waiting state, and a device in a scanning state may be referred to as a scanner.

The initiating state can be entered in a waiting state, with the advertising channel packet being received from the specific device and in response to the ad channel packet to initiate the connection with the other device, May be referred to as an initiator.

The connection state can enter the advertisement state and the start state, and the device that enters the connection state from the start state performs the role of master, and the device that enters the connection state in the advertisement state is the slave ) Can play the role of.

Here, the short-range wireless communication apparatus may be implemented to be capable of only the above-described advertising state in order to achieve optimum low-energy. In this case, the short-range wireless communication device 300 may broadcast advertising channel packets.

However, the present invention is not limited to this, and the short-range wireless communication apparatus can be implemented to be capable of at least one of the plurality of states described above. For example, the short-range wireless communication device may be implemented to be capable of initiating state, in which case the short-range wireless communication device establishes a connection with each of a plurality of mobile terminal devices capable of short- data channel packets).

In the short-range wireless communication, 40 RF channels can be allocated to two physical channels including an advertisement channel and a data channel. Here, the ad physical channel can use three RF channels to discover devices, initiate connections, and broadcast data. Also, the data physical channel can use up to 37 RF channels to communicate with connected devices.

The link layer of the short-range wireless communication may have one packet format 410 to be used for advertising channel packets and data channel packets.

9 is a diagram illustrating an example of an advertisement channel packet format according to an embodiment of the present invention.

9, each channel packet is composed of four fields and includes a preamble field 412, an access address field 414, a protocol data unit (PDU) field 416, and a cyclic redundancy check (CRC) field 418 < / RTI >

When a packet is transmitted on an ad physical channel, the PDU 416 may be referred to as an ad channel PDU, and the PDU 416 may be referred to as a data channel PDU when the packet is transmitted on the data physical channel.

The advertisement channel PDU 416 may include a 16-bit header 420 and a variable size payload 430. The PDU type field 421 included in the header 420 of the advertisement channel PDU 416 may indicate the PDU type. Here, the current PDU type is seven, which will be described later.

The length field 425 may refer to the length of the payload 430. Here, the variable range of the length field 425 may be 6 to 37 octets. The RFU field 422, the TxAdd field 423, the RxAdd field 424, and the RFU field 426 may be further included.

PDU types of the PDU type field 421 included in the header 420 of the advertisement channel PDU 416 may be used in specific events as described below.

'ADV_IND' is connectable and can be used for an advertisement event that does not specify a receiving device, 'ADV_DIRECT_IND' is connectable, the receiving device can be used for a specific advertisement event, 'ADV_NONCONN_IND' is not connectable, &Quot; ADV_SCAN_IND " can be used for an advertisement event that is scanable and does not specify a receiving device.

These PDU types may be transmitted through the link layer in an advertising state.

Here, the PDU type of each of ADV_IND, ADV_NONCONN_IND, and ADV_SCAN_IND may indicate that the broadcast is not specifying the receiving apparatus. Thus, it can be received by any device located in the transmission range of the transmission device.

The ADV_IND type can also be used to establish a connection with at least one receiving device. However, the ADV_NONCONN_IND type can be used to perform non-connectable or one-way communication with at least one receiving apparatus. On the other hand, the ADV_SCAN_IND type can be used to perform a SCAN_REQ-capable communication in at least one receiving apparatus.

Here, the payload 430 of both ADV_IND, ADV_NONCONN_IND, and ADV_SCAN_IND may be the same. Payload 430 AdvA field 432 and AdvData field 434. AdvA field 432 may include an advertiser's public or random address.

AdvData field 434 may include advertising data at the advertiser's host. In one example, if the short-range wireless communication device is an advertiser, the advertisement data may be referred to as an advertisement message, and the advertisement message may be defined by an advertisement message format that may be transmitted in a short-range wireless communication protocol. Here, the advertisement message format may require a minimum amount of data to conserve low energy, or may include as many advertisement messages as possible in each packet. In another embodiment, the advertising message format may allow variable length or variable size of the advertising message depending on the purpose of the advertising message or the type of broadcasting message. For example, some advertising messages may be short between 2 or 8 bits, and may have as large a size as needed in a communication protocol if many octets are needed.

This advertisement message may be formatted to be included in the AdvData field 434 of the payload 430 of the PDU 416 of the ad channel packet 410. In one example, AdvData field 434, as shown, may include advertising messages 0 through 31 octets. Accordingly, the advertisement message in the AdvData field 434 may include the data in the range, and data exceeding the range may be separately transmitted to the other advertisement channel packet 410.

In addition, a plurality of advertisement messages may be included in the AdvData field 434 of one advertisement channel packet 410. For example, the advertisement message 1, the advertisement message 2, ..., the advertisement message N may be included in the AdvData field 434 of one advertisement channel packet 410.

On the other hand, the ADV_DIRECT_IND type may indicate that the receiving apparatus is a specific broadcast. Here, the payload 430 of ADV_DIRECT_IND may be composed of an AdvA field and an InitA field. The AdvA field may include the advertiser's public or random address and may include the public or random address of the InitA field initiator.

The PDU types of the advertisement channel PDU 416 may further include the following types.

'SCAN_REQ' may be transmitted in the link layer of the scanning state and received in the link layer of the advertisement state, 'SCAN_RSP' may be transmitted in the link layer of the advertisement state and received at the link layer of the scanning state, and 'CONNECT_REQ' May be sent at the link layer in the initial state and received at the link layer in the advertisement state.

According to an embodiment of the present invention, when the power is supplied, the second communication module 120 of the electronic card 100 operates in the advertisement state as described with reference to FIGS. 8 and 9, The stored personal information, membership information, and card information may be included in the AdvData field 434 of the advertisement channel packet 410 and broadcasted.

The PDU type of the advertisement channel packet 410 broadcasted from the second communication module 120 of the electronic card 100 may be any one of ADV_IND, ADV_DIRECT_IND, ADV_NONCONN_IND and ADV_SCAN_IND as described above Can be specified.

For example, if the PDU type of the advertisement channel packet 410 broadcast from the second communication module 120 of the electronic card 100 is designated as ADV_NONCONN_IND so that the nearby short range wireless communication device 250 can communicate with the electronic card 100 , Membership information, card information, and the like from the second communication module 120 of the electronic card 100, but not transmit / receive another signal to / from the second communication module 120 of the electronic card 100. [

Alternatively, the PDU type of the advertisement channel packet 410 broadcast from the second communication module 120 of the electronic card 100 may be designated as ADV_IND or ADV_SCAN_IND so that the nearby short range wireless communication device 250 is connected to the electronic card 100 The second communication module 120 of the electronic card 100 to receive personal information from the second communication module 120 of the electronic card 100 and to transmit and receive signals directly to the second communication module 120 of the electronic card 100,

Meanwhile, when the short range wireless communication device 250 installed in the store operates in a scanning state or a starting state and is positioned within a certain distance from the second communication module 120 of the electronic card 100 according to the customer's store entry, It may receive and parse the advertisement channel packet 410 broadcast from the second communication module 120 of the electronic card 100 to obtain the personal information contained in the AdvData field 434. [

The SCAN_REQ, SCAN_RSP, and CONNECT_REQ will be described in detail with reference to FIGS. 10 and 11. FIG.

10 is a diagram illustrating a short-distance wireless communication method of an advertiser and a scanner according to an embodiment of the present invention. Referring to FIG. 10, an advertiser may broadcast an advertisement channel packet ADV_INV using up to three advertisement channels (channels 37 to 39). In this case, the scanner can receive the advertisement channel packet ADV_INV sent from the advertiser and send the scan request to the advertiser as the advertisement channel packet SCAN_REQ to request more information. Here, the PAYLOAD of the SCAN_REQ PDU may include a ScanA field including a public or random address of the scanner, and an AdvA field including an advertiser's public or random address.

Meanwhile, the advertiser receiving the scan request can transmit the scan response corresponding to the scan request to the scanner, which has requested the scan with the advertisement channel packet (SCAN_RSP). Here, the PAYLOAD of the SCAN_RSP PDU may include an AdvA field including an advertiser's public or random address, and a ScanRspData field including data at the advertiser's host.

Accordingly, the scanner requested to be scanned can receive more information generated by the advertiser through the advertisement channel.

11 is a diagram illustrating a short-distance wireless communication method between an advertiser and an initiator according to an embodiment of the present invention. Referring to FIG. 11, an advertiser may broadcast an advertisement channel packet ADV_INV using up to three advertisement channels (channels 37 to 39). In this case, the initiator may receive the advertisement channel packet ADV_INV sent from the advertiser and send the connection request to the advertiser as an advertisement channel packet (CONNECT_REQ). Here, the PAYLOAD of the CONNECT_REQ PDU may include an initA field including the public or random address of the initiator, and an AdvA field including the advertiser's public or random address.

On the other hand, when the connection is established, the initiator plays the role of master, the advertiser can perform the role of slave, and can transmit and receive the data channel packet through the data channel.

On the other hand, the above-mentioned address may be an address for identifying each of a plurality of devices, and may include at least one of a public address and a random address. Here, the public address may be a MAC address including a company_assigned field and a company_id field, and an arbitrary address may be a randomly formed address including a hash field and a random field.

The control method of the electronic card according to the present invention and the method of operating the system may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM , A RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

Claims (17)

A method of providing a payment service using an electronic card having a first communication module and a second communication module that communicate according to different communication methods,
Transmitting user identification information stored in a memory using the first communication module of the electronic card;
Supplying power to the second communication module when an external signal is received through the first communication module; And
And transmitting at least one of user personal information, membership information and card information stored in the memory using the second communication module supplied with power,
At least one of the transmitted personal information, membership information, and card information is
And then transmitted to the payment terminal device after being received by the local wireless communication device installed in the store, and used for payment. The method of claim 1, wherein the transmitted user identification information comprises
Wherein the payment information is received by a reader device installed adjacently to a counter of the store, and then transmitted to a server to confirm whether or not the member is a registered member. 3. The method of claim 2,
Wherein when the user of the electronic card is identified as a registered member, the external signal is received from the reader device to the first communication module of the electronic card. The method according to claim 1,
A birth date, and a telephone number of the user. 5. The method of claim 4,
Wherein the payment information is transmitted to the mobile terminal device according to the transmitted phone number, and the payment is processed in the mobile terminal device. The method according to claim 1,
And the settlement processing is performed in the settlement terminal device using the transmitted card information. The method according to claim 1,
Wherein the charging or discounting related to the settlement is performed using the transmitted membership information. 2. The apparatus of claim 1, wherein the first communication module
A method of providing a payment service for transmitting and receiving signals using a Radio Frequency IDentification (RFID) communication method in a frequency band of 900 MHz. The communication system according to claim 1, wherein the second communication module
A method of providing a payment service for transmitting and receiving signals using a Bluetooth Low Energy communication method in a 2.4 Ghz frequency band. The method according to claim 1,
Wherein power is not supplied to the second communication module when communication between the second communication module and the external device is not performed for a certain period of time after power is supplied to the second communication module. A recording medium on which a program for causing a computer to execute the method according to any one of claims 1 to 10 is recorded. A system for providing a payment service using an electronic card having a communication module,
A first communication module and a second communication module that communicate with each other using communication methods of different frequency bands, and when an external signal is received through the first communication module, power is supplied to the second communication module, An electronic card for allowing at least one of stored user personal information, membership information and card information to be transmitted via a second communication module;
A reader device installed adjacent to a counter of the store for receiving user identification information transmitted from a first communication module of the electronic card;
And a controller for checking whether the registered member is a member based on the user identification information transmitted from the reader device and transmitting the external signal to the first communication module via the reader device when the user of the electronic card is identified as a registered member A server device;
A short range wireless communication device installed in the store and receiving at least one of personal information, membership information and card information transmitted from a second communication module of the electronic card; And
And a settlement terminal device installed in the store and performing settlement using at least one of the personal information, membership information and card information transmitted from the short-range wireless communication device. 13. The method according to claim 12,
And at least one of a name, a date of birth, and a telephone number of the user. 14. The method of claim 13,
Further comprising a mobile terminal device corresponding to a telephone number transmitted from said electronic card,
Wherein the mobile terminal device processes payment using the payment information requested from the payment terminal device. 13. The billing terminal according to claim 12, wherein the payment terminal device
Wherein the settlement service is a settlement service using the card information transmitted from the electronic card. 13. The billing terminal according to claim 12, wherein the payment terminal device
And processing the accumulation or discount related to the settlement using the membership information transmitted from the electronic card. 13. The system of claim 12, wherein the second communication module of the electronic card
Broadcasting a signal including address information and the personal information using one or more advertising channels of a plurality of communication channels according to a short-range wireless communication scheme,
The short-range wireless communication device
Wherein the second communication module is connected to the second communication module by using the address information included in the broadcasting signal to transmit and receive a signal for providing the payment service.

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