KR20170007951A - Portable payment terminal apparatus based on beacon and method for servcing payment using the same - Google Patents

Portable payment terminal apparatus based on beacon and method for servcing payment using the same Download PDF

Info

Publication number
KR20170007951A
KR20170007951A KR1020150099013A KR20150099013A KR20170007951A KR 20170007951 A KR20170007951 A KR 20170007951A KR 1020150099013 A KR1020150099013 A KR 1020150099013A KR 20150099013 A KR20150099013 A KR 20150099013A KR 20170007951 A KR20170007951 A KR 20170007951A
Authority
KR
South Korea
Prior art keywords
payment
mobile terminal
information
frame data
response
Prior art date
Application number
KR1020150099013A
Other languages
Korean (ko)
Other versions
KR101813609B1 (en
Inventor
윤경용
안경훈
박성재
민정수
Original Assignee
주식회사 얍컴퍼니
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 얍컴퍼니 filed Critical 주식회사 얍컴퍼니
Priority to KR1020150099013A priority Critical patent/KR101813609B1/en
Publication of KR20170007951A publication Critical patent/KR20170007951A/en
Application granted granted Critical
Publication of KR101813609B1 publication Critical patent/KR101813609B1/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A beacon-based portable payment terminal connected to an integrated platform, a card company server, and a mobile terminal for providing a payment service based on a charge amount charged by a user and providing a payment service, A communication unit for providing an interface for communication and an interface for short range wireless communication with the mobile terminal; a beacon signal generating unit for generating a beacon signal for executing the payment processing apparatus in the mobile terminal and broadcasting the beacon signal through the communication unit And a controller for generating frame data based on the settlement related information and the information of the mobile terminal that has transmitted the response signal when the response signal to the beacon signal is received, A frame data generation unit for generating a frame data, A payment request unit for requesting payment processing in cooperation with an external card company server connected to the integrated platform or the wireless network based on the received payment request information when the payment request information is received from the mobile terminal in response to the frame data; A settlement result generation unit for generating a result message corresponding to the response as the response to the settlement processing request is received from the integrated platform or card company server and transmitting the result message to the mobile terminal that has transmitted the response signal through the communication unit And a portable payment terminal device.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a beverage-based portable payment terminal device and a billing service providing method using the same,

The present invention relates to a beacon-based portable payment terminal device and a payment service providing method using the same.

In recent years, the number of subscribers to mobile phone networks has greatly increased globally, and mobile communication terminals providing only simple voice communication functions by means of technological progress and functions have evolved into mediums that provide various types of information and services. As a result, the mobile information society is developing, and personal and regional services are becoming increasingly important. These " CA (Context-Aware) "mobile phones are used at low power with suitable short range base stations, such as shopping malls, to provide location-specific information. This information may include local maps, information about shops and restaurants, and so on. This information is often sent free of charge, but it may be that the user is paying for the data services (e.g., updating the sports score, downloading new ringing tone of the mobile phone). The payment for such goods and services may be made by conventional methods such as sending a check or credit card authorization, or by tel-banking or direct debit arrangements, It has been recognized that an automated payment system may be beneficial.

As described above, there is a growing interest in Fin-Tech technology in accordance with the development and dissemination of mobile communication technology. PinTech is a payment system that integrates financial companies and IT companies. It enables payment by mobile device without cash or card.

Meanwhile, with the expansion of the network infrastructure, the spread of the Internet, and the development of mobile communication technology, modern people can access communication services through their portable terminals, for example, mobile devices anytime and anywhere. In addition, interactive services are widely spread based on such communication services. The interactive service means a service type capable of bi-directional data transmission in the conventional unidirectional data transmission. In order to provide such an interactive service, an interactive access point (AP) for transmitting a beacon signal and a terminal for receiving such a beacon signal, The terminal is essential.

Also, in order to provide convenience and useful information to the user of mobile terminal, development of a technology combining the above-mentioned PinTech technology and beacon-based interactive service is proceeding.

KR 10-2007-0014380 A

The present invention provides a beacon-based portable payment terminal device capable of executing a payment processing device in a mobile terminal based on a beacon signal, and a payment service providing method using the same.

Also, the present invention provides a beacon-based portable payment terminal device capable of making payment through interlocking with an integrated platform or a card company server interlocked with a payment processing device of a mobile terminal, and a payment service providing method using the same.

The present invention provides a beacon-based portable payment terminal device capable of executing a payment processing device in a plurality of mobile terminals through broadcasting of a beacon signal and allowing a plurality of users to proceed payment, and a payment service providing method using the same.

It is to be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a beacon-based handheld payment terminal device including an integrated platform, a card issuer server, and a mobile terminal capable of settlement services based on a charge amount charged by a user, A communication unit for providing an interface for communication with the integrated platform and the card company server and an interface for short range wireless communication with the mobile terminal, A beacon signal generation unit for generating a beacon signal for executing the payment processing apparatus and broadcasting the beacon signal through the communication unit; and a transmission unit for transmitting settlement related information and the response signal to the mobile terminal Generate frame data based on information of To the mobile terminal that has transmitted the response signal through the communication unit; and a control unit for, when receiving the payment request information from the mobile terminal in response to the frame data, A settlement request unit for requesting settlement processing in cooperation with an external card company server connected to the integrated platform or the wireless network; and a settlement unit for receiving a result message corresponding to the response as a response to the settlement processing request is received from the integrated platform or the card company server And transmits the response signal to the mobile terminal that has transmitted the response signal through the communication unit.

According to the embodiment of the present invention, the payment requester transmits user information of the mobile terminal that has transmitted the payment request information to the integrated platform or card company server upon receipt of the payment request information, requests authentication of the user, And requests the settlement processing based on a response to the request.

According to an embodiment of the present invention, the portable payment terminal apparatus further includes a driver for turning on or off the operation of the beacon signal generator.

According to an embodiment of the present invention, the portable payment terminal apparatus further includes an input unit for providing an interface capable of inputting at least two pieces of user information for receiving the beacon signal, Related information for the user information, and generates frame data of the user information related to the settlement-related information corresponding to the user information as the destination address for each user information, and broadcasts the frame data through the communication unit.

According to an embodiment of the present invention, the frame data generation unit provides a selection window for selecting at least one of information of the mobile terminal that has transmitted the response signal when at least two response signals for the beacon signal are received And generates frame data using the mobile information selected through the selection window.

According to another aspect of the present invention, there is provided a billing service providing method using a beacon-based portable billing terminal apparatus, including: an integrated platform capable of billing services based on a charged amount charged by a user; A method of providing a payment service using a beacon-based portable payment terminal connected to a card issuer server and a mobile terminal, the method comprising: generating a beacon signal for executing a payment processing apparatus in the mobile terminal and broadcasting the beacon signal; Generating frame data on the basis of the settlement related information and the information of the mobile terminal that has transmitted the response signal and transmitting the generated frame data to the mobile terminal that has transmitted the response signal; In response to the request from the mobile terminal Requesting payment processing in cooperation with an external card company server connected to the integrated platform or the wireless network based on the received payment request information when the payment information is received; Generating a result message corresponding to the response as it is received from the card issuer server, and transmitting the result message to the mobile terminal that has transmitted the response signal through the communication unit.

According to an embodiment of the present invention, the step of requesting the payment processing includes transmitting user information of the mobile terminal that has transmitted the payment request information to the integrated platform or the card company server upon receipt of the payment request information, And requesting the integrated platform or the card company server for the settlement processing according to a response to the authentication request.

According to an embodiment of the present invention, the payment service providing method further includes providing an interface capable of inputting at least two pieces of user information for receiving the beacon signal, and after generating the frame data, Transmitting the signal to the mobile terminal that has transmitted the message, generating payment related information for each of the user information, transmitting frame information including the payment related information corresponding to the user information to the destination address, And then broadcasts the generated data.

According to an embodiment of the present invention, the step of generating the frame data and transmitting the frame data to the mobile terminal that has transmitted the response signal may include transmitting the beacon signal to the mobile terminal The method comprising: providing a selection window for selecting at least one of information of the terminal; and generating frame data using the mobile information selected through the selection window.

The above-described task solution is merely exemplary and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and the detailed description of the invention.

According to any one of the above-mentioned tasks, a payment processing apparatus in the mobile terminal is executed based on a beacon signal, so that the user can receive a payment service using only the mobile terminal.

In addition, according to any one of the above-mentioned objects of the present invention, the settlement proceeds through interlocking with the integrated platform or the card company server interlocked with the settlement processing device of the mobile terminal, The convenience of the user can be improved.

According to any one of the above-mentioned objects of the present invention, settlement can be simplified by executing a settlement processing apparatus automatically by using a beacon signal and proceeding settlement.

1 is a diagram illustrating a network environment in which a billing service is applied to a portable billing terminal apparatus according to an embodiment of the present invention.
2 is a block diagram showing an internal configuration of a portable payment terminal device according to an embodiment of the present invention.
3 is a flowchart schematically illustrating a process of providing a payment service using a portable payment terminal device according to an embodiment of the present invention.
4 is a flowchart illustrating a payment service providing process of the portable payment terminal according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification of the present invention, when a part is referred to as "including " an element, it is understood that it may include other elements as well, without excluding other elements unless specifically stated otherwise.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the present disclosure are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "used in the specification of the present invention does not mean" step for.

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware. In the present description, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram illustrating a network environment in which a portable payment terminal device according to an embodiment of the present invention is applied to provide a payment service, and is a network configuration diagram of an integrated platform capable of providing a cash service. A portable payment terminal device 200 connected through a short-range wireless network, an integration platform 140, a database 150 and a card issuer server 160, and the like.

The mobile terminal 120 may be connected to the integration platform 140 to receive various types of information such as restaurants, various event information, discount information, and the like. In particular, the mobile terminal 120 may be provided with various types of services provided from the integration platform 140 using the means provided in the integration platform 140, for example, an application.

In addition, the mobile terminal 120 may access the integration platform 140 to request a payment service for the purchased product. Specifically, the mobile terminal 120 accesses the charging service of the integration platform 140 to request charging for a predetermined amount to charge the charging terminal, A simple settlement service can be provided to the user.

Meanwhile, the mobile terminal 120 according to the embodiment of the present invention can register the payment card of the user using the payment processing apparatus 100 implemented through installation of the payment related application provided in the integration platform 140 Provides an interface, and can manage the payment card registered through the interface.

The payment processing device 100 of the mobile terminal 120 according to an embodiment of the present invention is executed based on an external beacon signal, for example, a beacon signal broadcast from the portable billing terminal device 200, Related information received from the terminal device 200 may be displayed on a display unit (not shown) of the mobile terminal 120 and provided with an interface for selecting a payment method.

In addition, the payment processing apparatus 100 can transmit the payment request information including the selected payment method to the portable payment terminal apparatus 200 as the payment method is selected.

The mobile terminal 120 as described above is a mobile communication device that is guaranteed to be portable and mobility and can be used as a mobile communication device such as a PCS (Personal Communication System), a GSM (Global System for Mobile communication), a PDC (Personal Digital Cellular) Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W- , A smartphone, a smart pad, a tablet PC, and the like.

The integrated platform 140 may provide various types of information such as an event, a discount, a restaurant, a coupon information, and the like, and provide the user of the mobile terminal 120 with a point accumulation and settlement service according to the service utilization. Specifically, the integration platform 140 may provide information to the user based on the application installed in the mobile terminal 120, such as information provision, point accumulation, and payment service.

Meanwhile, the integrated platform 140 provides an interface for charging a predetermined amount to the mobile terminal 120 based on the charging request of the mobile terminal 120, and transmits the information of the charging amount input through the interface to the database 160).

In addition, the integrated platform 140 may subtract the charge amount stored in the database 150 according to the payment processing request of the portable payment terminal apparatus 200, and may transmit a response corresponding thereto. The user authentication information based on the user information may be received to determine whether the user is a user in the integrated platform 140, and the corresponding authentication result may be provided to the portable payment terminal device 200.

Meanwhile, the database 160 stores user information, charge amount, and the like subscribed to the integration platform 140.

Meanwhile, the database 160 may be included in the integrated platform 140, although the database 160 is illustrated as being connected through a network in an embodiment of the present invention.

The portable payment terminal apparatus 200 broadcasts a beacon signal within a predetermined radius to execute the payment processing apparatus 100 of the mobile terminal 120 within a predetermined radius and transmits the beacon signal to the payment processing apparatus 100, Related information to the payment processing apparatus 100. [0050]

The portable payment terminal device 200 requests the integration platform 140 or the card issuer server 160 for payment processing using the payment request information provided from the payment processing device 100 and performs settlement processing based on the response to the request And may transmit the payment result information to the device 100.

The detailed configuration of the portable payment terminal device 200 as described above will be described with reference to Fig.

2 is a block diagram showing an internal configuration of a portable payment terminal device 200 according to an embodiment of the present invention.

2, the portable payment terminal apparatus 200 includes a driving unit 210, a communication unit 220, an input unit 230, a beacon signal generation unit 240, a frame data generation unit 250, (260) and a payment result generation unit (270).

The driving unit 210 provides an on / off interface for controlling the generation of a beacon signal, for example, an on / off button, and applies a corresponding control signal to the beacon signal generating unit 240 according to on / off button operation On / off.

The communication unit 220 provides a short-range wireless communication interface between the mobile terminal 120 and the portable payment terminal apparatus 200, and examples thereof include a Bluetooth LE, a Wi-Fi module, and the like, but the present invention is not limited thereto.

The communication unit 220 may include a mobile communication module for performing data communication with the integrated platform 140 and the card issuing server 160 by connecting the portable payment terminal 200 to a wireless network.

The input unit 230 may provide an interface for inputting various setting interfaces, letters, and numbers necessary for the operation of the portable payment terminal apparatus 200.

The beacon signal generator 240 operates according to the operation of the driver 210 to generate a beacon signal and broadcast it within a predetermined radius. Specifically, the beacon signal generator 240 generates a beacon signal for activating the settlement processor 100 when the control signal corresponding to the ON button operation of the driver 210 is applied, and then transmits the beacon signal to the communication unit 220. [ Lt; / RTI > within a predetermined radius.

When the response signal corresponding to the beacon signal is received from the settlement processing apparatus 100 in any mobile terminal 120, the frame data generation unit 250 generates frame data including the settlement related information, To the mobile terminal 120 that sent the response signal.

In the embodiment of the present invention, the payment related information may be a payment amount, a payment date, and merchant information input through the input unit 230. At this time, the merchant information may be information set in the portable payment terminal device 200. [

Upon receipt of the frame data, the mobile terminal 120 displays on the display unit (not shown) an interface through which the payment related information and payment method in the frame data can be selected using the payment processing apparatus 100, For example, payment request information, to the portable payment terminal device 200 according to the payment information. In this case, the payment request information may be card information previously registered in the payment processing apparatus 100 when the payment method is a card, and access information and payment amount of the integrated platform 140 when the payment method is a charge amount use.

The payment request unit 260 transmits the payment request information to the card company server 160 on the basis of the payment request information in response to the payment request information in response to the frame data to request payment processing or transmits the payment request information to the unified platform 140 And request payment processing. Specifically, the settlement request unit 260 transmits the card information in the settlement request information to the credit card company server 160 of the credit card company to request payment processing, or accesses the integrated platform 140 as the access information of the integrated platform 140 in the settlement request information 140, and then request payment processing through the transmission of the payment amount to the integrated platform 140 that is connected.

The payment result generating unit 270 generates a payment result message corresponding to the response upon receiving a response to the payment processing request from the card issuer server 160 or the integrated platform 140, (120).

Meanwhile, when the payment request information is received, the payment request unit 260 transmits the user information of the mobile terminal 120, which has transmitted the payment request information, to the card issuer server 160 or the integrated platform 140 to authenticate the user After the request, the payment processing can be requested based on the response. For example, if the authentication succeeds in response, the settlement request unit 260 may request the card issuer server 160 or the unified platform 140 for settlement processing.

The input unit 230 of the portable payment terminal apparatus 200 according to the embodiment of the present invention may provide an interface for inputting user information to receive a beacon signal, for example, a phone number of the mobile terminal 120. [

Accordingly, the beacon signal generating unit 240 may generate a beacon signal based on the user information input through the input unit 230, and broadcast the beacon signal through the communication unit 220. Specifically, the beacon signal generator 240 may generate a beacon signal with the user information input through the input unit 230 as a destination, and may broadcast the beacon signal through the communication unit 220. FIG. Accordingly, the beacon signal can be received only by the mobile terminal 120 corresponding to the user information.

The frame data generation unit 250 generates payment related information for each user information, generates frame data in which user information is set as a destination address, using payment related information as data, and broadcasts the frame data through the communication unit 220 .

Meanwhile, in the embodiment of the present invention, when at least two response signals are received after broadcasting the beacon signal, the frame data generation unit 250 may select at least one of the mobile terminals 120 that transmitted the response signal And the frame data can be generated using the information of the mobile terminal 120 selected through the selection window. Specifically, the frame data generation unit 250 may generate frame data using the information of the mobile terminal 120 selected through the selection window as the destination address, as payment related information.

A process of providing a payment service using the portable payment terminal device 200 having the above-described configuration will be described with reference to FIGS. 3 and 4. FIG.

3 is a flowchart schematically illustrating a process of providing a payment service using the portable payment terminal device 200 according to an embodiment of the present invention.

3, the method of operation includes an execution step 300 of executing the payment processing apparatus 100 of the mobile terminal 120, a transmission step 310 of transmitting payment related information to the mobile terminal 120, A response reception step 320 for receiving a response including payment request information from the mobile terminal 120, a payment request step 330 for requesting payment processing to the outside based on the received payment request information, And a payment result transmission step 340 for transmitting the result to the mobile terminal 120. [

Each step of the above-described operation method will be described in detail with reference to FIG.

4 is a flowchart illustrating a payment service providing process of the portable payment terminal apparatus 200 according to an embodiment of the present invention.

4, the portable payment terminal device 200 first generates a beacon signal for executing the payment processing device 100 of the mobile terminal 120, and transmits the beacon signal to the portable payment terminal device 200 via the communication unit 220 within a predetermined radius (Step 400). At this time, the beacon signal may be any one of an ultrasonic signal, a wireless signal in the Bluetooth LE band, and a wireless signal in the Wi-Fi band.

 Then, the portable payment terminal device 200 determines whether a response to the beacon signal is received (step 402).

As a result of the determination in step 402, when at least one response is received, the portable payment terminal apparatus 200 transmits the settlement related information using the frame data generating unit 250, that is, Generates frame data using the information of the mobile terminal 120 that transmitted the response as the destination address, and broadcasts the generated frame data through the communication unit 220 (step 404). Accordingly, the payment processing apparatus 100 of the mobile terminal 120 displays a selection window on which the payment related information and the payment method provided by the payment processing apparatus 100 can be selected based on the received frame data, .

Thereafter, the portable payment terminal device 200 determines whether a response to payment related information, that is, payment request information is received (step 406). Here, the payment request information may be different depending on the payment method selected through the selection window. For example, when the payment method is the charge amount payment method, the user accesses the integration platform 140 linked to the payment processing apparatus 100 And may include card information registered in the payment processing apparatus 100 when the payment method is card payment.

As a result of the determination in step 406, when the payment request information is received, the portable payment terminal device 200 accesses the integration platform 140 based on the payment request information and requests payment processing, or accesses the card company server 160 (Step 408).

Thereafter, the portable payment terminal device 200 determines whether a response to the payment processing request is received from the integrated platform 140 or the card issuing server 160 (step 410).

As a result of the determination in step 410, when a response is received, the portable payment terminal apparatus 200 generates a payment result message corresponding to the response, i.e., a payment success or failure message through the payment result generation unit 270, (Step 412) to the mobile terminal 120 via the network 220.

In the above-described embodiment of the present invention, the process of making a payment through communication with one mobile terminal 120 has been described. However, it is also possible to perform payment through communication with two or more mobile terminals 120 have. In this case, before generating the beacon signal, the mobile terminal 120 may receive the information of the mobile terminal 120 through the input unit 230 of the portable payment terminal apparatus 200, and may generate a beacon signal with each of the received information as a destination address .

When the portable payment terminal device 200 broadcasts a beacon signal and then transmits a response to each of the mobile terminals 120, The settlement processing can be performed through communication with at least two or more payment processing apparatuses 100 in the plurality of mobile terminals 120 by transmitting frame data including information.

On the other hand, the payment service providing method as described above can also be implemented in the form of a recording medium including instructions executable by a computer such as a program module executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium can include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: Payment processing device
120: mobile terminal
140: Integrated Platform
150: Database
160: Card issuer server
200: portable payment terminal device
210:
220:
230: Input unit
240: Beacon signal generator
250: frame data generation unit
260:
270:

Claims (10)

A beacon-based portable payment terminal device for providing a payment service in connection with an integrated platform capable of payment service based on a charge amount charged by a user, a card company server, and a mobile terminal,
An interface for communication with the integrated platform and the card company server, and an interface for short-range wireless communication with the mobile terminal;
A beacon signal generator for generating a beacon signal for executing the payment processing device in the mobile terminal and broadcasting the beacon signal through the communication unit;
When receiving the response signal for the beacon signal, generates frame data based on the settlement related information and the information of the mobile terminal that has transmitted the response signal, and transmits the generated frame data to the mobile terminal that has transmitted the response signal through the communication unit A frame data generation unit,
A payment request unit for requesting payment processing in cooperation with an external card company server connected to the integrated platform or the wireless network based on the received payment request information when the payment request information is received from the mobile terminal in response to the frame data; ,
A settlement result generation unit for generating a result message corresponding to the response as the response to the settlement processing request is received from the integrated platform or card company server and transmitting the result message to the mobile terminal that has transmitted the response signal through the communication unit The payment terminal apparatus comprising: The method according to claim 1,
The payment request unit,
Upon receiving the payment request information, the mobile terminal transmits user information of the mobile terminal that has transmitted the payment request information to the integrated platform or the card company server to request authentication of the user, and then requests the payment processing based on the response to the request To the portable payment terminal device. The method according to claim 1,
The portable payment terminal device,
Further comprising a driver for turning on or off the operation of the beacon signal generator. The method according to claim 1,
The portable payment terminal device,
Further comprising an input unit for providing an interface capable of inputting at least two pieces of user information for receiving the beacon signal,
Wherein the frame data generation unit comprises:
Generates payment related information for each of the user information items, generates frame data for the user information items corresponding to the user information and payment information related to the user information items, and broadcasts the frame data through the communication unit And the portable payment terminal device. The method according to claim 1,
Wherein the frame data generation unit comprises:
And a selection window for selecting at least one of information of a mobile terminal that has transmitted the response signal when at least two response signals for the beacon signal are received, And generates the data. 1. A billing service providing method using a billing service based on a charged amount charged by a user, the billing service being based on a beacon-based portable billing terminal connected to a card company server and a mobile terminal,
Generating a beacon signal for executing the payment processing apparatus in the mobile terminal, and broadcasting the beacon signal;
Generating frame data based on the settlement related information and the information of the mobile terminal that has transmitted the response signal when the response signal to the beacon signal is received and transmitting the generated frame data to the mobile terminal that has transmitted the response signal;
Receiving payment request information from the mobile terminal in response to the frame data, requesting payment processing in cooperation with an external card company server connected to the integrated platform or the wireless network based on the received payment request information;
Generating a result message corresponding to the response as the response to the payment processing request is received from the integrated platform or the card company server, and transmitting the result message to the mobile terminal that has transmitted the response signal through the communication unit Wherein the settlement service providing method comprises: The method according to claim 6,
Wherein the step of requesting the payment processing comprises:
Requesting authentication of a user by transmitting user information of a mobile terminal that has transmitted the payment request information to the integrated platform or card company server upon receipt of the payment request information;
And requesting the settlement processing to the integrated platform or the card company server according to a response to the authentication request. The method according to claim 6,
The payment service providing method includes:
Further comprising the step of providing an interface capable of inputting at least two or more pieces of user information for receiving the beacon signal,
Generating the frame data and transmitting the frame data to the mobile terminal that has transmitted the response signal,
Generating payment related information for each of the user information items, and generating frame data for the user information items corresponding to the user information and payment related information for each user information item, Wherein the settlement service providing apparatus comprises: The method according to claim 6,
Generating the frame data and transmitting the frame data to the mobile terminal that has transmitted the response signal,
Providing a selection window capable of selecting at least one of information of a mobile terminal that has transmitted the response signal when at least two response signals for the beacon signal are received;
And generating frame data using the mobile information selected through the selection window. A computer-readable recording medium storing a program for causing a computer to execute the method according to any one of claims 6 to 9.
KR1020150099013A 2015-07-13 2015-07-13 Portable payment terminal apparatus based on beacon and method for servcing payment using the same KR101813609B1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020150099013A KR101813609B1 (en) 2015-07-13 2015-07-13 Portable payment terminal apparatus based on beacon and method for servcing payment using the same

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020150099013A KR101813609B1 (en) 2015-07-13 2015-07-13 Portable payment terminal apparatus based on beacon and method for servcing payment using the same

Publications (2)

Publication Number Publication Date
KR20170007951A true KR20170007951A (en) 2017-01-23
KR101813609B1 KR101813609B1 (en) 2017-12-29

Family

ID=57990023

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020150099013A KR101813609B1 (en) 2015-07-13 2015-07-13 Portable payment terminal apparatus based on beacon and method for servcing payment using the same

Country Status (1)

Country Link
KR (1) KR101813609B1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112613870A (en) * 2020-12-23 2021-04-06 网银在线（北京）科技有限公司 Payment processing method, payment processing device, self-service equipment, payment terminal, payment system and payment medium

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070014380A (en) 2005-07-28 2007-02-01 롯데정보통신 주식회사 Pos system using portable phone

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015102456A1 (en) * 2014-01-06 2015-07-09 에스케이플래닛 주식회사 Service provision method using beacon apparatus, and system and apparatus for same

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20070014380A (en) 2005-07-28 2007-02-01 롯데정보통신 주식회사 Pos system using portable phone

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112613870A (en) * 2020-12-23 2021-04-06 网银在线（北京）科技有限公司 Payment processing method, payment processing device, self-service equipment, payment terminal, payment system and payment medium
CN112613870B (en) * 2020-12-23 2024-04-16 网银在线（北京）科技有限公司 Payment processing method, device, self-service equipment, payment terminal, system and medium

Also Published As

Publication number Publication date
KR101813609B1 (en) 2017-12-29

Similar Documents

Publication Publication Date Title
KR101002009B1 (en) Coupon management terminal and coupon service system and method thereof
US8180289B1 (en) Public kiosk providing near field communication services
US11562343B2 (en) Communication system with digital wallet having blank user card and related methods
US11037137B2 (en) Mobile wireless communications device having digital wallet with multi-mode user card and related methods
US20210216993A1 (en) Method and system for presence based mobile payment
KR20110128573A (en) Mobile communication terminal and mobile payment method using the same, mobile payment system
US10354251B1 (en) Assigning risk levels to electronic commerce transactions
KR20150142080A (en) Method for Providing Personalized Coupons in Offline Store
KR20180052446A (en) Portable payment terminal apparatus based on beacon and method for servcing payment using the same
KR101813609B1 (en) Portable payment terminal apparatus based on beacon and method for servcing payment using the same
KR101928948B1 (en) Method for servcing payment using beacon communication
KR101822457B1 (en) System and method for servicing payment using pos gateway identifier
KR101553830B1 (en) Method for Providing Personalized Mobile Game Items in Offline Store
KR101785984B1 (en) System, apparatus and method for servicing peer to peer payment based on beacon
KR101964283B1 (en) Apparatus for processing payment based on beacon having a voice recording and method for recording voice using the same
KR20110086411A (en) Method and system of providing assessment information in real time
KR101924032B1 (en) Apparatus and method for servicing cash withdrawal based on withdrawal key
KR20180052442A (en) System, apparatus and method for servicing payment based on code
KR101580909B1 (en) Method for Providing Personalized Coupons in Offline Store
EP2814231B1 (en) Mobile wireless communications device having digital wallet with multi-mode user card and related methods
US20200344358A1 (en) System and Process for Implementing a Virtual Airtime Card for Wireless Services
KR20170000157A (en) Apparatus and method for processing payment based on beacon
US11490233B2 (en) Wireless service provider system and process for providing customizable wireless service for a wireless device
EP2813986A1 (en) Communication system with digital wallet having blank user card and related methods
KR20220133354A (en) Decive and method for providing purchase information

Legal Events

Date Code Title Description
AMND Amendment
E601 Decision to refuse application
AMND Amendment
X701 Decision to grant (after re-examination)
GRNT Written decision to grant