KR20160023375A - Method for authenticating payment at vehicle - Google Patents

Abstract

The present invention relates to an in-vehicle payment authentication method. The in-vehicle payment authentication method comprises the steps of: transmitting, by a control unit, vehicle location information received through a global positioning system (GPS) reception unit to a server through a first communication unit; storing the received vehicle location information in a first memory unit; receiving a payment request including payment information through an input unit; and requesting, when the payment request is inputted, a server for a payment by adding the vehicle location information stored in the first memory unit and the payment information.

Description

[0001] METHOD FOR AUTHENTICATING PAYMENT AT VEHICLE [0002]

The present invention relates to a payment authentication method in a vehicle, and more particularly, to a payment authentication method in a vehicle. More particularly, the present invention relates to a method and apparatus for accumulating location information of a vehicle, And determining whether the payment request is a legitimate payment request and authenticating the payment.

2. Description of the Related Art [0002] In recent years, with the rapid development of electronic control technology, various devices that have been operated by a mechanical method in a vehicle have been driven by an electric method for reasons such as driver's convenience and safety of operation. It is getting better.

In addition, recently, a telematics device is installed in a vehicle to provide a mobile office service using a wireless Internet, an e-mail service, etc. in addition to a vehicle location information service, a vehicle theft and accident detection, a remote vehicle diagnosis, an emergency rescue, have.

Telematics is a combination of telecommunication and information science. It means a combination of vehicle and mobile communication technology. It is based on mobile communication and internet technology, Providing productivity improvement services through provision, financing, reservations, purchase of goods, and other personalized services.

In recent years, with the development of telematics technology, e-commerce functions such as settlement of fuel supply through navigation or AVN (Audio Video Navigation) mounted on a vehicle or payment by accessing the Internet have been applied.

Prior art relating to the present invention is Korean Patent Laid-Open Publication No. 10-2012-0048929 (titled "Electronic payment system using vehicle terminal and method thereof", published May 16, 2012).

The most important thing when conducting authentication for settlement through navigation or AVN of a vehicle is security. At present, when a payment request is made through the telematics technology of a vehicle, a preset password is input or authentication is performed through a pre-stored public certificate .

However, when a password used at the time of settlement is exposed to hacking, there is a problem that financial accidents may occur.

In addition, when the navigation or the AVN is copied by an unauthorized user, it may be difficult to filter out a legitimate payment request through an authorized certificate.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-described problems, and it is an object of the present invention to provide a method and apparatus for accumulating location information of a vehicle from a point of time when a payment is authenticated in a vehicle, And to provide a payment authentication method in a vehicle that determines whether the request is a payment and authenticates the payment.

According to an aspect of the present invention, there is provided a method for authenticating a payment in a vehicle, comprising: transmitting, by a controller, a position information of a vehicle received through a global positioning system (GPS) receiver to a server via a first communication unit; Storing location information of the transmitted vehicle in a first memory unit; Receiving a payment request including payment information through an input unit; And requesting payment to the server including the location information of the vehicle stored in the first memory unit and the payment information when the payment request is input.

In the step of requesting payment to the server of the present invention, the controller may request payment to the server including location information of a vehicle from a point where payment has been previously approved.

The method may further include receiving a request for transmission of location information from the server before transmitting the location information of the vehicle to the server through the first communication unit. When transmission of the location information is requested from the server And transmits the position information of the vehicle to the server.

In the step of transmitting the position information of the vehicle according to the present invention to the server through the first communication unit, the controller transmits the position information of the vehicle to the server at a preset reference time interval.

The method further includes inputting a password in the step of receiving the payment request of the present invention, wherein the controller further requests the settlement to the server by including the password.

In the step of storing the position information of the vehicle according to the present invention in the first memory unit, the controller accumulates position information of the received vehicle in the first memory unit, And requests settlement to the server including location information of a plurality of stored vehicles.

According to another embodiment of the present invention, there is provided a payment authentication method in a vehicle, comprising: receiving location information of a vehicle through a second communication unit; Storing location information of the received vehicle in a second memory unit; Requesting transmission of location information to the vehicle when a payment request including payment information is received from the vehicle through the second communication unit; And authenticating the payment if the location information of the vehicle received based on the request is the same as the location information of the vehicle stored in the second memory unit.

In the step of requesting transmission of location information to the vehicle according to the present invention, the payment authentication unit may request transmission of location information of a vehicle from a point where payment has been previously approved.

In the step of receiving the location information of the vehicle of the present invention, the settlement authentication unit receives the location information of the vehicle through the second communication unit at a preset reference time interval.

The method further includes receiving a password from the vehicle through the second communication unit before authenticating the payment, wherein the payment is authenticated when the received password is the same as a preset password do.

According to the present invention, since the payment authentication device of the vehicle and the server share the location information of the vehicle from the point of time when the payment is verified in the vehicle, and if there is a payment request, it is judged whether the payment is a legitimate payment request based on the location information. Can be strengthened.

1 is a functional block diagram of a billing authentication apparatus and a server for implementing a billing authentication method in a vehicle according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating a payment authentication method in a vehicle according to an exemplary embodiment of the present invention.
FIG. 3 is a flowchart illustrating a process of implementing a payment authentication method in a vehicle according to an exemplary embodiment of the present invention. Referring to FIG.

Hereinafter, a payment authentication method in a vehicle according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. In addition, the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the intention or custom of the user, the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

1 is a functional block diagram of a billing authentication apparatus and a server for implementing a billing authentication method in a vehicle according to an embodiment of the present invention.

1, a payment authentication apparatus for implementing a payment authentication method in a vehicle according to an embodiment of the present invention includes a GPS receiving unit 110, a controller 130, a first memory unit 150, a first communication unit 170 and an input unit 190.

The GPS receiving unit 110 is configured to detect the position of the vehicle on which the GPS receiving unit 110 is mounted by exchanging signals with a GPS satellite (not shown) and a GPS base station (not shown). The GPS receiving unit 110 includes a GPS antenna (Radio Frequency) receiver (not shown), an RF data processor (not shown), and an interface (not shown). The detailed implementation method is well known in the art.

However, the present embodiment is not limited to this, so that the settlement authentication apparatus 100 does not need to directly detect the position of the vehicle including the GPS receiving unit 110, but may detect it in a separate navigation (not shown) It is also possible to receive the position of a vehicle.

The control unit 130 requests the server 200 to settle the payment information when receiving a payment request including payment information from the user. In particular, in the present embodiment, And by authenticating the settlement by reflecting the corresponding location information, security can be enhanced.

That is, when a hacking or a duplication of the payment authentication device of the vehicle is performed from the outside, the hacking or the duplicated payment authentication device can not know the location information of the moved device. The position information of the vehicle is shared with the server 200 in this embodiment.

The controller 130 transmits the location information of the vehicle received through the GPS receiver 110 to the server 200 through the first communication unit 170. In particular, The location information of the vehicle is transmitted to the server 200 when requested.

The control unit 130 stores positional information of the vehicle in the first memory unit 150 so that the positional information of the vehicle is shared with the server 200.

In particular, in order to prevent the process of receiving and transmitting the vehicle position information from being repeated, the controller 130 transmits the position information of the vehicle to the server 200 at a preset reference time interval.

At this time, the reference time may be set reflecting the time interval at which the payment request is input in the corresponding vehicle, but is not limited thereto. Therefore, the reference time may be a time when the request for the location information is received from the server 200 Therefore, it may be changed.

When the payment request including the payment information is input from the user, the controller 130 requests payment to the server 200 including the location information and payment information of the vehicle stored in the first memory unit 150. [

Particularly, in the present embodiment, the position information of the vehicle received through the GPS receiver 110 is accumulated and stored in the first memory unit 150, and together with the position information of the plurality of vehicles stored at the time of the payment request .

That is, when only the location information of one vehicle is shared with the server 200 and only the corresponding location information is compared, errors such as failure to approve a normal settlement request due to data omission or approval of an abnormal settlement request may occur.

Accordingly, in the present embodiment, an unauthorized payment request can be filtered in the course of authenticating a payment by requesting settlement including location information of a plurality of vehicles accumulated cumulatively.

Specifically, the control unit 130 requests the settlement including the location information of the vehicle accumulated from the location of the vehicle at the point where the settlement has been approved previously, so as to reverse the information from the time of authentication with the legitimate settlement request So that the server 200 can determine whether to authenticate the settlement.

Thus, in order to authenticate only the payment request of the payment authentication apparatus 100 included in the legitimate vehicle from the beginning, the server 200 can receive the position information of the vehicle from the time of leaving the vehicle.

In addition, in the present embodiment, not only the positional information and payment information of the above-described vehicle but also a password can be additionally inputted from the user, and the corresponding password is transmitted to the server 200 together, whereby the server 200 compares with the previously stored password .

As described above, in the present embodiment, since the authentication method used at the time of the existing settlement is also performed, the authentication process is strengthened twice, so that the security of the instruction in the vehicle can be enhanced.

The first memory unit 150 stores the position information of the vehicle received through the GPS receiver 110.

In particular, the first memory unit 150 may accumulate and store the respective information so that the time information requested to transmit the position information from the server 200 and the position information of the vehicle correspond to each other, The server 200 may request the settlement including the location information of a plurality of vehicles stored in the memory unit 150.

The first communication unit 170 communicates with the server 200 to transmit the data received from the server 200 to the controller 130 or to transmit the position information of the vehicle to the server 200 under the control of the controller 130 Payment information and password stored in the first memory unit 150 to the server 200 at the time of payment request.

The first communication unit 170 includes an antenna (not shown), an RF receiver (not shown), an RF data processor (not shown), and an interface (not shown) for transmitting and receiving voice and data through a wireless communication network .

The input unit 190 receives a payment request including payment information from a user, and may further receive a password based on the control of the control unit 130.

The server for implementing the payment authentication method in the vehicle according to the present embodiment includes a second communication unit 220, a payment authentication unit 240 and a second memory unit 260.

The second communication unit 220 may receive the location information of the vehicle and request transmission of the location information of the vehicle at a predetermined reference time interval based on the control of the payment authentication unit 240. [

However, since the reference time is not always the same, it is also possible to request transmission of the position information of the vehicle at different time intervals.

When the payment request including payment information is received from the vehicle through the second communication unit 220, the payment authentication unit 240 controls the second communication unit 220 to request the vehicle for transmission of the location information.

That is, when a hacking or a duplication of the payment authentication device of the vehicle is performed from the outside, the hacking or the duplicated payment authentication device can not know the location information of the moved device. In this embodiment, the server 200 shares location information of the vehicle with the settlement authentication apparatus 100 so that it can be filtered.

When the payment request is received from the vehicle, the payment authentication unit 240 requests the payment authentication device 100 of the vehicle to transmit the location information, and the location information of the received vehicle is stored in the second memory unit 260 If the same as the location information of the vehicle, the payment is authenticated.

As described above, in the present embodiment, the settlement authentication unit 240 determines whether payment authentication is performed based on the location information of the vehicle that can be acquired only by the settlement authentication apparatus 100 having a legitimate right, so that unauthorized settlement requests are filtered out .

In particular, the payment authentication unit 240 requests the transmission of the location information of the vehicle from the point where the payment was previously approved, thereby determining whether the payment is to be authenticated by back-tracking the information from the time of authentication with the legitimate payment request Therefore, the payment request of the hacking or the duplicate payment authentication device can be more accurately filtered.

In this embodiment, the settlement authentication unit 240 further receives a password from the vehicle through the second communication unit 220 and determines whether the received password is the same as a password set in advance for settlement, It is possible to judge whether or not the authentication is performed.

The second memory unit 260 stores the location information of the vehicle received from the vehicle and a preset password for settlement.

FIG. 2 is a flowchart illustrating a payment authentication method in a vehicle according to an exemplary embodiment of the present invention.

Referring to FIG. 2, when the controller 130 receives a request for transmission of location information from the server 200, the control unit 130 transmits the location information And transmits the position information of the vehicle received through the GPS receiving unit 110 to the server 200 through the first communication unit 170 (S20).

That is, when a hacking or a duplication of the payment authentication device of the vehicle is performed from the outside, the hacking or the duplicated payment authentication device can not know the location information of the moved device. In this embodiment, the location information of the vehicle is shared with the server 200 before payment.

Then, the controller 130 stores the location information of the vehicle transmitted to the server 200 in the first memory unit 150 (S30).

Specifically, the control unit 130 accumulates and stores the respective pieces of information so that the time information requested to transmit the location information from the server 200 and the location information of the vehicle correspond to each other. Therefore, And may request the server 200 for payment.

When a payment request including payment information is input from the user through the input unit 190 in step S40, the control unit 130 further receives a payment password from the user in step S50 and transmits the payment password to the first memory unit 150 And requests payment to the server 200 including location information and payment information of the stored vehicle (S60).

As described above, according to the present embodiment, when a payment request is input from a user, it is determined whether the payment request is a legitimate payment request through a password, 100 in order to enhance the security.

FIG. 3 is a flowchart illustrating a process of implementing a payment authentication method in a vehicle according to an exemplary embodiment of the present invention. Referring to FIG.

Referring to FIG. 3, a payment authentication method in a vehicle according to an embodiment of the present invention will be described in terms of a server. First, the payment authentication unit 240 transmits the location information through the second communication unit 220 And receives location information of the vehicle from the settlement authentication apparatus 100 (S100), and stores the position information of the vehicle received in the second memory unit 260 (S200).

When the payment request including the payment information is received from the vehicle through the second communication unit 220 in step S300, the payment authentication unit 240 requests the vehicle to transmit the location information in step S400, (S500).

Specifically, in the above-described step S400, the settlement authentication unit 240 requests the transmission of the location information of the vehicle from the point where payment has been previously approved.

That is, the payment authentication unit 240 compares all pieces of position information from the time when the payment authentication unit 240 authenticates that the payment has been approved, It is possible to judge whether or not there is a time point at which the "

Then, the settlement authentication unit 240 determines whether the received location information is the same as the location information accumulated in the second memory unit 260 (S600). If the location information is the same, the settlement authentication unit 240 authenticates the settlement (S700).

In the above-described step S600, the settlement authentication unit 240 may compare the password further received from the vehicle with the preset password to determine whether it is a legitimate payment request.

According to the present embodiment, since the payment authentication device of the vehicle and the server share the location information of the vehicle from the point of time when the settlement of the vehicle is authenticated, if it is determined that the settlement request is a legitimate settlement request based on the location information, Can be strengthened.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation, I will understand. Accordingly, the true scope of the present invention should be determined by the following claims.

100: payment authentication device
110: GPS receiver
130:
150: a first memory unit
170: first communication section
190: Input unit
200: Server
220: second communication section
240: payment authentication unit
260: second memory section

Claims (10)

Transmitting the position information of the vehicle received through the GPS (Global Positioning System) receiver to the server through the first communication unit;
Storing location information of the transmitted vehicle in a first memory unit;
Receiving a payment request including payment information through an input unit; And
When the payment request is inputted, requesting settlement to the server including the location information of the vehicle and the payment information stored in the first memory unit
The method comprising the steps of:
The method according to claim 1,
Wherein the control unit requests payment to the server including the location information of the vehicle from the point where payment is previously approved in the step of requesting payment to the server.
The method according to claim 1,
Further comprising receiving a request for transmission of positional information from the server before transmitting the positional information of the vehicle to the server via the first communication unit, And transmits the location information to the server.
The method according to claim 1,
Wherein the control unit transmits the position information of the vehicle to the server at a predetermined reference time interval in the step of transmitting the position information of the vehicle to the server through the first communication unit .
The method according to claim 1,
Further comprising the step of receiving a password further input in the step of receiving the payment request, wherein the controller further requests the payment to the server by including the password.
The method according to claim 1,
Wherein the control unit accumulates position information of the received vehicle in the first memory unit and stores the accumulated position information of the vehicle in the first memory unit, And request payment to the server including the location information of the vehicle.
The payment authentication unit receiving the location information of the vehicle through the second communication unit;
Storing location information of the received vehicle in a second memory unit;
Requesting transmission of location information to the vehicle when a payment request including payment information is received from the vehicle through the second communication unit; And
If the location information of the vehicle received based on the request is the same as the location information of the vehicle stored in the second memory unit,
The method comprising the steps of:
8. The method of claim 7,
Wherein the payment authentication unit requests transmission of location information of a vehicle from a point at which settlement is approved in the step of requesting transmission of location information to the vehicle.
8. The method of claim 7,
Wherein the settlement authentication unit receives the position information of the vehicle through the second communication unit at a predetermined reference time interval in the step of receiving the position information of the vehicle.
8. The method of claim 7,
Further comprising the step of further receiving a password from the vehicle via the second communication unit before the payment is authenticated, wherein when the received password is equal to a preset password, the payment is authenticated Authentication method.

Images