KR20170034969A

KR20170034969A - Method for Providing Two-Channel Payment by using Cigar Jack Device

Info

Publication number: KR20170034969A
Application number: KR1020150132939A
Authority: KR
Inventors: 신성철; 정도균; 김재형
Original assignee: 주식회사 오윈
Priority date: 2015-09-21
Filing date: 2015-09-21
Publication date: 2017-03-30

Abstract

The present invention relates to a two-channel payment method using a cigar jack device, and a two-channel payment method using a cigar jack device according to the present invention is a method executed by a server, wherein a unidirectional wireless signal transmission function and a bidirectional short- A unique code transmitted from the user's own cigar jack device mounted with the provided chip module through the unidirectional wireless signal and unique information identifying the user's own wireless terminal (or program of the wireless terminal) possessing the cigar jack device is mapped and stored A second step of receiving payment request information including a unique code recognized through the unidirectional radio signal from a payment device receiving a unidirectional radio signal transmitted from a chip module of the user owned cigar jack device; From the wireless terminal (or the program of the wireless terminal) corresponding to the unique information mapped with the unique code A third step of generating payment confirmation information including an authentication code generated in the chip module of the cigar jack device and provided to the wireless terminal through the bidirectional local area communication; And a fourth step of processing the payment request information so that the requested payment procedure is performed by the payment request information.

Description

[0001] The present invention relates to a two-channel payment method using a cigar jack device,

The present invention relates to a bidirectional short distance communication with a chip module of a cigar jack device at a time of a payment request in a payment device that recognizes a unidirectional wireless signal transmitted from a cigar jack device equipped with a chip module equipped with a unidirectional wireless signal transmission function and a bidirectional short- When the authentication code generated by the chip module of the cigar jack device is transmitted from the user-possessed wireless terminal, the payment requested by the payment device is processed based on the authentication result of the validity of the authentication code.

Since the Bluetooth version 4.0 released in June 2010, Bluetooth Smart has been transmitting beacon signals without specifying the receiver side in BLE (Bluetooth Low Energy). The recently released smartphone can recognize the beacon signal from Android 4.3 or later, and the iPhone can recognize the beacon signal after iOS5.

In the service using the conventional beacon signal, a beacon transmitter is installed at an off-line base point such as an affiliate shop, so that the same beacon signal is continually transmitted from the BLE, and a beacon signal is recognized from a user's smartphone approaching within a certain distance of the beacon transmitter And various services were offered. For example, in a conventional beacon-based service, if a user possesses a smartphone and approaches within a predetermined distance of the beacon transmitter, the smartphone recognizes a beacon signal transmitted from the beacon transmitter and transmits the beacon signal to a designated server. And provide information related to various services.

In a beacon-based service, if a service-related information provided to a user's smartphone is provided to an unspecified number of users, such as an advertisement, the beacon-based service can exhibit a powerful effect. However, since the beacon is designed to receive an unspecified number of beacons in the beginning, it is technically difficult to provide services to a specific smartphone. For example, when payment information is provided to a smartphone of a user who recognizes a beacon signal, all smartphones existing near the beacon transmitter receive the same beacon signal transmitted from the same beacon transmitter, It is difficult to determine whether to provide payment related information by specifying a smartphone of a specific user among smartphones receiving a signal. This is a fundamental problem of a beacon designed to transmit a signal to an unspecified object.

Moreover, since most users disable the Bluetooth function (or beacon reception function) of the smartphone for power saving, even if the beacon transmitter sends a beacon signal hardly, the probability of receiving the beacon service is extremely low. Even if the user activates the Bluetooth function (or beacon reception function) of the user's smartphone, since the beacon was originally designed in the BLE, the beacon signal can not be properly received from the smartphone even if there is some obstacle between the beacon transmitter and the smartphone .

In order to solve the above problems, it is an object of the present invention to provide a cigar jack device and a cigarette jack device of the present invention, in which a unique code transmitted through a unidirectional wireless signal from a chip module of a user- The billing request information including the unique code recognized through the unidirectional wireless signal is received from the payment device receiving the unidirectional wireless signal transmitted from the chip module of the user owned cigar jack device The mobile terminal receives the payment confirmation information including the authentication code generated by the chip module of the cigar jack device from the user-owned wireless terminal corresponding to the unique information, authenticates the validity of the authentication code, And a cigar jack device for processing the payment requested by the payment device And provides a two-channel payment method.

A two-channel payment method using a cigar jack device according to the present invention is a method executed by a server, in which a user's owned cigar jack device equipped with a chip module having multiple unidirectional radio signal transmission functions and two- A first step of mapping and storing unique code transmitted through a signal and unique information that uniquely identifies a wireless terminal (or a program of a wireless terminal) possessed by the user possessing the cigar jack device; A second step of receiving settlement request information including a unique code recognized through the unidirectional radio signal from a settlement apparatus which receives the transmitted unidirectional radio signal; The program of the wireless terminal) is generated in the chip module of the cigar jack device, A third step of receiving payment confirmation information including an authentication code provided to the wireless terminal through the payment request information; and a third step of receiving payment confirmation information through the payment request information by authenticating the validity of the authentication code included in the payment confirmation information And a fourth step of processing as much as possible.

According to the present invention, the user-owned wireless terminal can perform bi-directional short distance communication with the chip module of the user owned cigar jack device.

According to the present invention, the bi-directional short-range communication includes pairing-based Bluetooth communication, and the unidirectional wireless signal may include a Bluetooth-based beacon signal.

According to the present invention, the bi-directional short-range communication includes a universal serial bus (USB) communication based on a cable connection, and the unidirectional wireless signal may include a Bluetooth-based beacon signal.

According to the present invention, the unique code may comprise at least one of a code unique to the chip module of the cigar jack device, and a unique code provided by the user-owned wireless terminal in bidirectional near-field communications with the chip module of the cigar jack device have.

According to the present invention, in the two-channel payment method using the cigar jack device, when the payment request information is received, the payment information including the payment amount to be requested to the user who owns the cigar jack device corresponding to the unique code is confirmed And a second step (2-2) of processing the payment information to be provided to the user-owned wireless terminal using the unique information mapped to the unique code, And may receive the payment confirmation information including the authentication code from the wireless terminal provided with the payment information. Meanwhile, the payment information may be used in a payment procedure through the program of the user-owned wireless terminal. Meanwhile, the payment request information includes the payment amount determined by the payment apparatus, and the step 2-1 may include checking the payment information including the payment amount included in the payment request information. The settlement request information includes a cost calculation parameter required to calculate a settlement amount. In the second step, the settlement amount is calculated using the cost calculation parameter included in the settlement request information, and the calculated settlement amount And can check the included payment information.

According to the present invention, the first step may further include storing authentication information for authenticating an authentication code to be generated in the chip module of the cigar jack device, and the third step may include: And processing the validity of the authentication code included in the information to be authenticated.

According to the present invention, the unidirectional radio signal may further include an authentication code generated by the chip module of the cigar jack device together with the unique code, and the second step may include receiving the unique code and the authentication code And receiving the request information. The third step may further include processing the validity of the authentication code included in the payment confirmation information to be authenticated using the authentication code of the payment request information.

According to the present invention, the authentication code may include at least one of information provided in the chip module of the cigar jack device, information dynamically determined in the chip module, and information provided from a program of the user-owned wireless terminal through bi- The information provided in the chip module of the cigar jack device, the information dynamically determined in the chip module, and the information received from the program of the user-owned wireless terminal through bidirectional local area communication, A cipher code of the cigar jack device using the certificate provided in the chip module and the information dynamically determined in the chip module from the program of the user's own wireless terminal through bidirectional short- One or more of the information provided It may include at least one code of the electronic signature and signed the code.

According to the present invention, the two-channel payment method using the cigar jack device includes a fifth step of confirming a settlement result for the settlement procedure, a fifth step of providing a settlement result to the settlement device or the user- It may further comprise six steps.

According to the present invention, a signal transmitter for transmitting a unidirectional radio signal (for example, a beacon signal) to an off-line base station of an affiliated store or the like is provided and is not recognized by the user's smartphone, And transmits the unidirectional radio signal transmitted from the cigar jack device interlocked with the vehicle of the user to a plurality of off-line base points, which are accessed during the movement of the vehicle, by interlocking with a vehicle operated by the user And authenticates whether the user's wireless terminal communicates with the chip module of the cigar jack device transmitting the unidirectional wireless signal in two-way, short distance communication, thereby providing a secure and convenient payment service requested from the payment device.

1 is a view showing a configuration of a payment processing system using a cigar jack device owned by a user according to an embodiment of the present invention.
2 is a diagram showing a functional configuration of a cigar jack device according to an embodiment of the present invention.
3 is a diagram illustrating a functional configuration of a user-possessed wireless terminal according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an operation server that processes payment using a user owned cigar jack device in cooperation with a user-owned wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating an operation process of the cigar jack device according to an embodiment of the present invention.
6 is a diagram illustrating a bi-directional short-range communication connection process between a cigar jack device of a user and a user's wireless terminal according to an embodiment of the present invention.
7 is a diagram illustrating a process of registering a unique code transmitted from a chip module of a user-owned cigar jack device via a unidirectional wireless signal according to an embodiment of the present invention.
8 is a diagram illustrating a payment request process using a unidirectional wireless signal transmitted from a chip module of a user-owned cigar jack device according to an embodiment of the present invention.
9 is a diagram illustrating a payment confirmation process using an authentication code generated by a chip module of a cigar jack device by a user-owned wireless terminal according to an embodiment of the present invention.
10 is a diagram illustrating a payment confirmation process using an authentication code generated by a chip module of a cigar jack device by a user-owned wireless terminal according to another embodiment of the present invention.
11 is a view showing a settlement process of combining a unidirectional wireless signal transmitted from a chip module of a user-owned cigar jack device and a bidirectional local communication between a user-owned wireless terminal and a chip module of a cigar jack device according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram showing a configuration of a payment processing system using a cigar jack device 200 owned by a user according to an embodiment of the present invention.

1 is a block diagram illustrating a configuration of a cigar jack device 200 using a wireless terminal 300 of a user having a cigar jack device 200 equipped with a chip module 230 having a unidirectional radio signal transmitting function and a bidirectional local communication function. (100) that recognizes a unidirectional wireless signal transmitted from the unidirectional wireless terminal (200). If a person skilled in the art is familiar with the present invention, 1 may be referenced and / or modified to infer various implementations of the configuration of the payment processing system using the cigar jack device 200 (e.g., some of the components may be omitted, or subdivided, or combined) The present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

The system of the present invention includes a user's own cigarette jack device 200 equipped with a chip module 230 having a unidirectional radio signal transmitting function and a bidirectional local communication function and a cigar jack device The wireless terminal 300 owned by the user who owns the cigar jack device 200 recognizes the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 owned by the user, A settlement apparatus 100 for requesting a predetermined settlement and an operation server 400 for communicating with the settlement apparatus 100 and / or the user-owned wireless terminal 300 via a designated path. The operating server 400 may be implemented as at least one server or a combination of two or more servers, and the present invention is not limited by the manner in which the operating server 400 is implemented. If the operating server 400 is implemented in the form of a combination of two or more servers, each server may be a server operated by two or more operators connected to each other, and thus the present invention is not limited thereto. The authentication of the cigar jack device 200 according to the present invention may be performed in conjunction with the process of registering the cigar jack device 200 of the user with the designated operation server 400, And can be carried out in conjunction with the process of managing and operating.

The cigar jack device 200 is a general term for a device equipped with a chip module 230 having a function of transmitting a unidirectional radio signal to an unspecified subject without specifying an object to receive a radio signal. Preferably, the cigar jack device 200 It is preferable that the chip module 230 of the mobile terminal 300 includes a plurality of bidirectional local communication functions for processing bidirectional local communication with the user's own wireless terminal 300 possessing the cigar jack device 200 together with the unidirectional wireless signal transmitting function Do.

The chip module 230 of the cigar jack device 200 basically has a function of transmitting a unidirectional radio signal to an unspecified subject and identifies the user's own wireless terminal 300 possessing the cigar jack device 200, Directional short distance communication with the wireless terminal 300. [ Since the unidirectional radio signal of the chip module 230 is transmitted without specifying an object, the unidirectional radio signal of the unidirectional radio signal is not received by the user's wireless terminal 300 but is present within a reception range of the unidirectional radio signal Or at least one signal receiving device for receiving the signal. The unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 is transmitted to the cigar jack device 200 through the cigar jack device 200, And can be received by various signal receiving apparatuses that approach within the effective range of the unidirectional radio signal by movement of the vehicle. According to an embodiment of the present invention, the signal receiving apparatus includes a settlement apparatus 100 for recognizing the unidirectional radio signal and requesting a user who owns the cigar jack apparatus 200 to make a predetermined settlement.

According to the first cigar jack device 200 of the present invention, the chip module 230 of the cigar jack device 200 transmits a Bluetooth based unidirectional wireless signal (e.g., a Bluetooth-based beacon signal) Direction wireless LAN communication with the user-possessed wireless terminal 300 by identifying or pairing the user-owned wireless terminal 300 possessing the cigar jack device 200 with the unidirectional wireless signal transmission function Way two-way communication function.

According to the second cigar jack device 200 of the present invention, the chip module 230 of the cigar jack device 200 transmits a unidirectional radio signal for transmitting a Bluetooth-based unidirectional radio signal (for example, a Bluetooth-based beacon signal) Directional local communication function for processing a USB (Universal Serial Bus) based bidirectional local area cable communication with a wireless terminal 300 owned by the user who owns the cigar jack device 200 .

However, it should be apparent that the bidirectional local communication function and the unidirectional radio signal transmission function of the chip module 230 mounted on the cigar jack device 200 of the present invention are not limited to the above embodiments. The bi-directional local communication function of the chip module 230 may establish a direct communication session with a user's wireless terminal 300 located at a nearby location to enable bidirectional data communication. It may be a radio signal that can be reached to the various signal receiving apparatuses located in the vicinity of the wireless terminal 300 of the user located at a short distance without specifying. That is, the bi-directional short-range communication function and the unidirectional radio signal transmission function implemented in the chip module 230 of the present invention are not limited by a specific communication standard or signal standard. Even if any method is adopted, It is clear that it belongs to the scope of the right.

The unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 may be received / recognized by various signal receiving devices accessed by the user, do.

The chip module 230 of the cigar jack device 200 may transmit a unidirectional radio signal including a unique code unique to the chip module 230 of the cigar jack device 200, Can be transmitted.

The chip module 230 of the cigar jack device 200 may be connected to the user's own wireless terminal 300 which performs bi-directional short distance communication with the chip module 230 of the cigar jack device 200 according to the second unidirectional wireless signal transmission embodiment of the present invention. And transmits the unidirectional radio signal including the inherent unique code provided by the base station. In this case, even if a code unique to the chip module 230 of the cigar jack device 200 is stored, the chip module 230 of the cigar jack device 200 transmits a unique code provided by the user- Directional wireless signal including the one-way radio signal.

The chip module 230 of the cigar jack device 200 may transmit the unique code stored in the chip module 230 of the cigar jack device 200 and the unique code stored in the cigar jack device 200 Way wireless signal including the authentication code generated by the chip module 230 of the mobile communication terminal 100. [ The authentication code generated by the chip module 230 of the cigar jack device 200 includes information provided in the chip module 230 of the cigar jack device 200 and information dynamically determined in the chip module 230, A disposable code dynamically generated by using one or more pieces of information provided from the program 325 of the user-possessed wireless terminal 300 through the communication as a seed, the information provided in the chip module 230 of the cigar jack device 200 And one or more pieces of information dynamically determined in the chip module 230 and information provided from the program 325 of the user-owned wireless terminal 300 through bidirectional local area communication in a decryptable manner through the designated operation server 400 The information provided in the chip module 230, the information dynamically determined in the chip module 230, and the information in the bi-directional short- Via God's possession, may include a digital signature of a signature code at least one code at least one of the information received from the information providing program 325 of wireless terminal 300.

The chip module 230 of the cigar jack device 200 may be connected to the user's own wireless terminal 300 that performs bi-directional short distance communication with the chip module 230 of the cigar jack device 200, according to the fourth unidirectional wireless signal transmission embodiment of the present invention. And the authentication code generated by the chip module 230 of the cigar jack device 200 can be transmitted. The authentication code generated by the chip module 230 of the cigar jack device 200 includes information provided in the chip module 230 of the cigar jack device 200 and information dynamically determined in the chip module 230, A disposable code dynamically generated by using one or more pieces of information provided from the program 325 of the user-possessed wireless terminal 300 through the communication as a seed, the information provided in the chip module 230 of the cigar jack device 200 And one or more pieces of information dynamically determined in the chip module 230 and information provided from the program 325 of the user-owned wireless terminal 300 through bidirectional local area communication in a decryptable manner through the designated operation server 400 The information provided in the chip module 230, the information dynamically determined in the chip module 230, and the information in the bi-directional short- Via God's possession, may include a digital signature of a signature code at least one code at least one of the information received from the information providing program 325 of wireless terminal 300.

According to the fifth embodiment of the present invention, the chip module 230 of the cigar jack device 200 may be configured such that at least one of the first to fourth unidirectional radio signal transmission embodiments is partially selected or combined It is possible to transmit a unique code and / or an authentication code in a unidirectional radio signal to the mobile terminal, and the present invention clearly encompasses all embodiments that can be derived by modifying the embodiment as a scope of right.

The cigar jack device 200 maintains a state in which bidirectional short distance communication with the user-possessed wireless terminal 300 during the unidirectional wireless signal transmission is maintained for at least a certain period of time and the chip module 230 of the cigar jack device 200 receives the bidirectional And transmit the authentication code generated by the chip module 230 to the user-possessed wireless terminal 300 through short-range communication. Preferably, the unidirectional radio signal transmitted through the first to fifth unidirectional radio signal transmitting embodiments is received / recognized by the specific payment device 100 in the chip module 230 of the cigar jack device 200, The chip module 230 of the cigar jack device 200 transmits the payment request information including the unique code recognized through the unidirectional wireless signal to the designated operating server 400 in the payment device 100, Directional short-range communication in response to a request from the wireless terminal 300 through bidirectional local area communication to the user-possessed wireless terminal 300 via the communication channel And transmit the authentication code generated by the chip module 230 to the wireless terminal 300). If the chip module 230 of the cigar jack device 200 transmits the unidirectional radio signal including the authentication code according to the third or fourth unidirectional radio signal transmission embodiment, The module 230 may transmit the authentication code included in the unidirectional wireless signal to the wireless terminal 300 through the bidirectional local area communication.

The user-owned wireless terminal 300 is a collective term of a wireless communication device used by a user who owns the cigar jack device 200 and preferably has a network communication function for connecting to a designated communication network. According to an embodiment of the present invention, the wireless terminal 300 includes a bidirectional local communication function for processing at least one bidirectional data communication with the chip module 230 of the cigar jack device 200 and / And a unidirectional radio signal receiving function for receiving a unidirectional radio signal transmitted from the chip module 230 of the base station. For example, the user's wireless terminal 300 may include at least one user's mobile phone (smartphone, tablet PC, etc.) having the network communication function, bidirectional local communication function, and unidirectional wireless signal receiving function can do.

According to an embodiment of the present invention, the user's wireless terminal 300 can communicate with a designated operation server 400 using a network communication function of the wireless terminal 300 (for example, an operation server 400 via a communication network) And communicates with the operation server 400 via the designated relay server) and transmits the generated signal to the chip module 230 of the cigar jack device 200 using the bidirectional local communication function of the wireless terminal 300 A program code for performing a bidirectional data communication procedure and performing a procedure for recognizing a unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200 using the unidirectional wireless signal receiving function of the wireless terminal 300 A program 325 including the program is installed and executed.

The program 325 of the user-possessed wireless terminal 300 may be transmitted to the designated operating server 400 using the network communication function of the wireless terminal 300 Unique codes for uniquely identifying the wireless terminal 300 (or the program 325 of the wireless terminal 300) owned by the user who owns the cigar jack device 200 can be registered And the operation server 400 may store the unique code and unique information by mapping the unique code. The program 325 of the wireless terminal 300 may register the user information for the user who owns the cigar jack device 200 (or the wireless terminal 300) to the operation server 400 , The operation server 400 may map the user information to the unique code and / or unique information and store the unique information.

The program 325 of the user-possessed wireless terminal 300 according to an embodiment of the present invention may include at least some information (for example, the authentication code) of the authentication rule for authenticating the validity of the authentication code to be generated in the chip module 230 of the cigar jack device 200 The operating server 400 may provide some information provided from the program 325 of the wireless terminal 300 and / or a part of the information provided from the operation server 400 to the operating server 400, The authentication rule for authenticating the validity of the authentication code to be generated by the chip module 230 of the cigar jack device 200 may be configured by using information determined by itself in the cigar jack device 200 and may be mapped to the unique code and / have.

Meanwhile, the program 325 of the user-possessed wireless terminal 300 according to an embodiment of the present invention may include payment means information corresponding to the payment means (e.g., credit card, check card, financial account, prepaid card, electronic money, etc.) And the payment means information is registered and stored in the designated security medium. The security medium may be implemented in the operation server 400 (for example, the payment means information corresponding to a payment means such as a financial account or an electronic money can be registered in a security medium in the operation server 400) (E.g., a credit card, a check card, etc.) corresponding to the payment means information. Preferably, the payment means information is mapped with the unique code and / or unique information and is registered in the secure medium.

The settlement apparatus 100 transmits the unidirectional radio signal to the user who owns the cigar jack apparatus 200 based on the unidirectional radio signal among the signal reception apparatuses receiving the unidirectional radio signal transmitted from the chip module 230 of the cigar jack apparatus 200 As a general term for a device for requesting a predetermined settlement, a signal receiver for receiving the unidirectional radio signal may be built in or externally (for example, cable connection and detachment). For example, the payment apparatus 100 may include at least one of a parking bill payment apparatus 100 provided in a parking lot, a toll settlement apparatus 100 provided in a highway toll gate, and a bill payment apparatus 100 provided in a gas station .

According to an embodiment of the present invention, the settlement apparatus 100 receives a unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200, recognizes a unique code included in the unidirectional radio signal, And transmits the settlement request information including the recognized unique code to the designated operation server 400. [ Meanwhile, when a unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 includes a specific code and a predetermined authentication code, the payment device 100 transmits the chip module 230 of the cigar jack device 200 230), recognizes a unique code and an authentication code included in the unidirectional wireless signal, forms billing request information including the recognized unique code and an authentication code, Lt; / RTI >

According to the first payment request information embodiment of the present invention, the settlement apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, and transmits a payment amount determined by the payment apparatus 100 And may transmit the settlement request information to the designated operation server 400. [ The embodiment in which the settlement amount is directly included in the settlement request information may be applied when the settlement amount is calculated or input in the settlement apparatus 100. For example, if the billing apparatus 100 is a parking bill payment apparatus 100 provided in a parking lot, the parking bill payment apparatus 100 calculates a parking fee of the vehicle in which the cigar jack apparatus 200 is inserted The payment request information including the payment amount corresponding to the calculated parking fee can be configured. Or when the settlement apparatus 100 is a gasoline rate payment apparatus 100 provided at a gas station, the gasoline rate payment apparatus 100 calculates a gasoline rate of the fuel injected into the vehicle into which the cigar jack apparatus 200 is inserted And then configure the payment request information including the payment amount corresponding to the calculated charge.

According to the second payment request information embodiment of the present invention, the settlement apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, and calculates a payment amount from the designated operation server 400 And transmits the settlement request information to the designated operation server 400. The operation server 400 can calculate the settlement amount using the amount calculation parameter. The embodiment in which the settlement amount is calculated through the operation server 400 by including the amount calculation parameter in the settlement request information may be applied when the amount to be requested to the user is changed or discounted according to the policy of the operation server 400 have. For example, if the billing apparatus 100 is a parking bill payment apparatus 100 provided in a parking lot, the bill payment apparatus 100 may calculate the entrance time and departure time of the vehicle into which the cigar jack apparatus 200 is inserted The settlement request information including the amount calculation parameter of the settlement request information. Or when the payment apparatus 100 is a bill payment apparatus 100 provided at a gas station, the bill payment apparatus 100 may calculate the amount of fuel injected into the vehicle in which the cigar jack apparatus 200 is inserted, The settlement request information including the amount calculation parameter of the settlement request information.

According to the third embodiment of the payment request information of the present invention, the payment apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, (For example, a discount rate when making a payment using the cigar jack device 200) or a condition (for example, a discount rate when the user makes a payment using the cigar jack device 200), and transmits the payment request information to the designated operation server 400. [ , Application of a discount coupon or a credit accumulation point held by a user who owns the cigar jack device 200, and the like) to calculate the settlement amount.

According to the fourth payment request information embodiment of the present invention, the settlement apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, and the settlement request amount determined by the settlement apparatus 100 And the payment request information (for example, the discount policy of the base operating the settlement apparatus 100) necessary for calculating the settlement amount to be requested for actual payment by adjusting the settlement request amount at the designated operation server 400 To the designated operation server 400, and the operation server 400 can calculate the settlement amount by adjusting the settlement request amount based on the amount calculation parameter.

According to an embodiment of the fifth payment request information of the present invention, the payment request information may be configured by partially or wholly selecting the first to fourth embodiments of the payment request information, The operating server 400 receiving the request information can confirm the payment amount to be requested to the user who owns the cigar jack device 200.

The operation server 400 may communicate with the user-owned wireless terminal 300 having the cigar jack device 200 and / or receive the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200 A generic name of a server communicating with the payment device 100 requesting settlement, preferably a unique code included in the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 owned by the user, And maps unique information that uniquely identifies one wireless terminal 300 (or the program 325 of the wireless terminal 300) to a designated storage medium and manages the unique information.

When the unidirectional radio signal transmitted from the chip module 230 of the user owned cigar jack device 200 is received / recognized by the specific payment device 100, the operation server 400 transmits the unidirectional wireless signal to the payment device 100, (Or payment request information including a unique code and an authentication code recognized through the unidirectional wireless signal) including a unique code recognized through the unidirectional wireless signal from the wireless communication unit 100. Upon receipt of the payment request information from the settlement apparatus 100, the operation server 400 confirms the unique information mapped with the unique code and transmits the program of the user-owned wireless terminal 300 corresponding to the unique information (For example, the program 325 of the user-possessed wireless terminal 300 requests the authentication code generated by the chip module 230 of the cigar jack device 200 owned by the user to the cigar jack device 200) Or transmits the request information requesting the authentication code generated by the chip module 230) and / or confirms the payment information including the payment amount to be requested to the user who owns the cigar jack device 200 corresponding to the unique code To the program (325) of the user-possessed wireless terminal (300). When the operating server 400 transmits the payment information to the program 325 of the user-owned wireless terminal 300, the payment information is transmitted to the user terminal 300 through the authentication code generated by the chip module 230 of the cigar jack device 200 And the like.

When the payment information is transmitted to the program 325 of the user-owned wireless terminal 300 according to the embodiment of the present invention, the operation server 400 transmits the payment information to the user who owns the cigar jack device 200 And transmits the payment information to the program 325 of the user-possessed wireless terminal 300. The payment information includes the unique code received from the payment apparatus 100 together with the payment amount , And merchant information corresponding to an off-line base operating the settlement apparatus 100.

When the payment information is transmitted from the operation server 400, the program 325 of the user-owned wireless terminal 300 receives the payment information from the operation server 400, And may include the payment information in a payment confirmation interface for confirming payment confirmation. If the user confirms the payment for the payment information through the payment confirmation interface (e.g., by clicking the " confirm " button or entering the registered PIN), the program 325 of the wireless terminal 300 (For example, the chip module 230 of the cigar jack device 200 to which the bi-directional short distance communication is connected) (or included in the payment information) through the two-way local area communication And transmits the authentication code received from the chip module 230 of the cigar jack device 200 through the bidirectional local communication to the chip module 230 of the cigar jack device 200 via the bi- And transmits the payment confirmation information including the code to the operation server 400. [ Meanwhile, when the operation server 400 transmits the request information requesting the authentication code, the program 325 of the wireless terminal 300 transmits the authentication code to the chip module 230 of the cigar jack device 200 through the bidirectional short- (For example, the chip module 230 of the cigar jack device 200 to which the bidirectional local area communication is connected (or the chip module 230 of the cigar jack device 200 corresponding to the unique code included in the payment information) ), And transmits the payment confirmation information including the authentication code received from the chip module 230 of the cigar jack device 200 to the operation server 400 via the bidirectional local communication (E.g., " click " button click or registered PIN input / authentication, etc.) to confirm the authentication code generated by the chip module 230 of the cigar jack device 200 according to the method The user- The can through the two-way short-range communications based on the check the verification code generated by chip module 230 of the sigajaek device 200.

The operation server 400 receives the authentication code from the user-possessed wireless terminal 300 possessing the cigar jack device 200 and performs authentication so that the validity of the authentication code received from the wireless terminal 300 is authenticated .

According to the first authentication code authentication embodiment of the present invention, the operation server 400 may include an authentication rule (e.g., a cigar jack device) for authenticating the validity of an authentication code to be generated in the chip module 230 of the cigar jack device 200, A seed value matched with a seed used for generating an authentication code in the chip module 230 of the chip module 200 and a code generation algorithm matching a code generation algorithm used for generating an authentication code in the chip module 230) When receiving the authentication code generated by the chip module 230 of the cigar jack device 200 from the wireless terminal 300, the authentication code generated by the chip module 230 using the authentication rule Generates a verification code for authentication (e.g., a code generated by substituting a seed value stored in an authentication rule and a seed value dynamically determined into a code generation algorithm corresponding to an authentication rule) It is possible to authenticate the validity of the authentication code generated by the chip module 230.

According to the second authentication code authentication embodiment of the present invention, the operation server 400 transmits an authentication code generated by the chip module 230 of the cigar jack device 200 to a specified authentication server (e.g., an OTP authentication server) (For example, authentication server information, information set to be provided to the authentication server for validity authentication of the authentication code, and the like) to receive authentication from the wireless terminal 300, When the authentication code generated by the chip module 230 is received, the validity of the authentication code is authenticated through the specified authentication server using the authentication rule, and the authentication result authenticated through the authentication server can be confirmed.

According to the third authentication code authentication method of the present invention, the payment request information received from the payment device 100 may be transmitted to the chip module (not shown) of the cigar jack device 200 according to the third or fourth unidirectional radio signal transmission embodiment 230, the operation server 400 generates the authentication code included in the unidirectional wireless signal in the chip module 230 of the cigar jack device 200 and transmits the generated authentication code to the wireless terminal 200 through the bi- The authentication code received from the wireless terminal 300 and the authentication code received from the settlement device 100 after being transmitted to the chip module 300 of the cigar jack device 200, Can be authenticated.

According to the fourth authentication code authentication embodiment of the present invention, the operation server 400 may be configured such that the validity of the authentication code is authenticated in the form of one or more partial selection or combination of the first to third authentication code authentication embodiments And the present invention can be included in the scope of the present invention.

When the payment method information of the user is registered in a security medium that can be interlocked with the operation server 400, the operation server 400 determines, based on the authentication result of the authentication code, Is extracted and processed so that the settlement procedure for the settlement request information (or the settlement information) is performed through the designated settlement server (or the financial company server). Meanwhile, in the embodiment of the present invention, any payment method and payment means used for processing payment information may be any payment method and payment means.

On the other hand, when the payment means information of the user is not registered in the security medium interlocked with the operation server 400, the operation server 400 provides the payment information to the user's wireless terminal 300 The wireless terminal 300 of the user can use the payment method available in the wireless terminal 300 and the payment means of the user to transmit the payment information to the wireless terminal 300. [ The payment procedure can be performed. Meanwhile, in the embodiment of the present invention, any payment method and payment means used for processing payment information may be any payment method and payment means.

According to an embodiment of the present invention, the operation server 400 may perform a payment approval procedure corresponding to the payment program of the program 325 of the wireless terminal 300 that has performed the payment procedure and / or the payment procedure of the wireless terminal 300 The settlement result of the settlement procedure can be confirmed from the settlement server (or financial company server) performed and the settlement result of the settlement procedure can be confirmed by the program 325 of the settlement apparatus 100 or the user- can do.

2 is a diagram showing a functional configuration of a cigar jack device 200 according to an embodiment of the present invention.

2 shows a functional configuration of a cigar jack device 200 equipped with a chip module 230 having a unidirectional radio signal transmitting function and a bidirectional local communication function. It will be understood by those skilled in the art that reference to and / or modification of Figure 2 may be applied to various implementations of the configuration of the cigar jack device 200 (e.g., some configuration portions omitted, or subdivided, or combined implementations) However, the present invention is not limited to the technical features of the present invention.

The cigar jack device 200 of the present invention is manufactured by incorporating a chip module 230 having a unidirectional radio signal transmitting function and a bidirectional local communication function. According to an embodiment of the present invention, the cigar jack device 200 includes a terminal for receiving external power, a power supply unit 205 for receiving external power through the terminal, a power conversion unit for converting the supplied external power into a designated power source, A power supply unit 215 for charging the vehicle power source, an operation unit 225 for user operation of the chip module 230, and a connector unit 220 for short-distance cable communication during bidirectional local area communication And may further include one configuration. For example, when the cigar jack device 200 is inserted into the cigar jack insertion port of the vehicle, the power supply unit 205 receives the vehicle power (for example, 12V DC power) supplied from the vehicle using the terminal, The conversion unit 210 converts the vehicle power into a USB power source (e.g., DC 5V) and / or an operation power source of the chip module 230, and the power charging unit 215 supplies power And / or the power converted by the power conversion unit 210. The power conversion unit 210 converts the power supplied from the power conversion unit 210 into a power source. The charging power source charged in the power charging unit 215 can supply the operating power to the chip module 230 even when the cigar jack device 200 is not inserted into the cigarette lighter socket of the vehicle or when the vehicle is turned off .

According to the method of the present invention, when the cigar jack device 200 receives vehicle power through the power supply unit 205, the chip module 230 transmits the unidirectional wireless signal using the supplied vehicle power Amplified (for example, amplified to a maximum signal intensity) and transmitted. For example, the chip module 230 amplifies and transmits a unidirectional radio signal in a state where the cigar jack device 200 is inserted into the cigar jack insertion port of the vehicle and is supplied with vehicle power, so that the metal material of the vehicle body or the window It is possible to overcome the signal disturbance caused by the material (in particular, the glass material with the ultraviolet ray shielding film) and to make the unidirectional radio signal reach a designated short distance outside the vehicle. Meanwhile, when the cigar jack device 200 does not receive the vehicle power or operates using the charging power of the power charging unit 215, the chip module 230 may operate in a low power mode.

The connector 220 of the cigar jack device 200 may provide short-range cable communication between the chip module 230 and the user's wireless terminal 300. The connector 220 may be a connector that receives power supplied through the power supply unit 205 and supplies power converted from the USB power to the outside through the power conversion unit 210.

The operation unit 225 of the near device is a collective term of a component mounted on the cigar jack device 200 and receiving a user operation for controlling the operation of the chip module 230. The operation unit 225 preferably includes at least one Switch or button. According to the embodiment of the present invention, it is preferable that the operation unit 225 can basically operate (or toggle) the operation of 'On' or 'Off', and further input a user operation of a predetermined operation pattern. For example, the operation unit 225 may repeatedly perform an operation of 'On' or 'Off' for a preset time interval, or implement an operation of 'On' or 'Off' When the above switch / button is included, various operation patterns such as simultaneous operation of two or more switches / buttons or operation with a predetermined time difference can be implemented. The various operation patterns can control various operations of the chip module 230.

2, the chip module 230 includes a control unit 250 for controlling the operation of the chip module 230, and a control unit 250 for storing a data set (or program code) necessary for the operation of the chip module 230 An RF processor 245 for performing bidirectional short-range wireless communication and RF processing for transmitting a unidirectional radio signal, and an antenna unit for transmitting and receiving a radio frequency signal corresponding to the RF processing, And a USB communication unit 235 electrically connected to the connector unit 220 to process the bi-directional short-distance cable communication.

The chip module 230 may be manufactured in the form of a bidirectional short-range wireless communication to a PCB (Printed Circuit Board) and at least one SMD (Surface Mount Device) for transmitting a unidirectional wireless signal. 250, the memory unit 240, and the RF processing unit 245 may be implemented in the form of an integrated chip, an individual device mounted on a PCB, or a combination of integrated chips and devices. It is evident that the present invention is not limited by the manner in which the chip module 230 is implemented within the cigar jack device 200.

The control unit 250 is a general term for controlling the operation of the chip module 230. The control unit 250 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 250 loads at least one program code included in the chip module 230 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the chip module 230. [0035] Hereinafter, the program configuration implemented in the chip module 230 in the form of a program code will be described in the control unit 250 for convenience.

The memory unit 240 is a general term of a nonvolatile memory included in the chip module 230 and includes at least one program code executed through the controller 250 and at least one data set used by the program code And stores it. The memory unit 240 basically stores a system program code and a system data set corresponding to an operating system of the chip module 230 and at least one application program code and an application data set, The program code and data set are also stored in the memory unit 240.

According to the method of the present invention, the memory unit 240 may store the cigarette jack device 200 (or the chip module 230) (Or the chip module 230), and stores the unique code in the designated storage area.

The RF processor 245 is a generic term for performing RF processing (e.g., RF signal modulation) for broadcasting a unidirectional radio signal through the antenna unit and / or RF processing for bidirectional short-range wireless communication. For example, It is possible to perform a Bluetooth-based bidirectional short-range wireless communication function and RF processing for transmitting a Bluetooth-based unidirectional wireless signal. Here, the transmission of the unidirectional radio signal includes a radio signal to be transmitted without identifying or pairing the receiving side that receives the radio signal.

According to the embodiment of the present invention, the chip module 230 can communicate with the wireless terminal 300 of the user who owns the cigar jack device 200 among the short-range local communication devices supporting the bidirectional short- And the RF processor 245 performs RF processing for bidirectional short-range wireless communication with the user's wireless terminal 300. [

The USB communication unit 235 is electrically connected to a USB connector (for example, D + and / or D-) included in the connector unit 220 and is connected to an external wireless terminal 300 For example, a user's own mobile phone, a smart phone, a tablet PC, etc.). The bidirectional short-range cable communication includes a USB communication function for transmitting and receiving a USB packet, and the external wireless terminal 300 connected to the connector 220 detects the chip module 230 and prepares for USB communication USB protocol functionality.

According to the embodiment of the present invention, the USB communication unit 235 maintains a state of being electrically connected to the USB connector of the connector unit 220, but the bidirectional short-range cable communication function of the USB communication unit 235 Directional short-range cable communication with the wireless terminal 300 connected to the connector unit 220 when the bi-directional short-range cable communication function of the USB communication unit 235 is activated, Directional short-range cable communication function of the USB communication unit 235 is disabled, the bidirectional short-range cable communication may not be processed even if the wireless terminal 300 is connected to the connector unit 220. [

Referring to FIG. 2, the chip module 230 of the cigar jack device 200 includes a communication identification unit (not shown) for identifying the user's wireless terminal 300 using the bidirectional short-range wireless communication And a short range wireless communication connection unit 260 for connecting the wireless terminal 300 of the identified user to the bidirectional short range wireless communication unit 255. The wireless communication unit 260 is connected to the connector unit 220 through the USB communication unit 235 And a short-range cable communication connection unit 260 for connecting the user's wireless terminal 300 to the two-way short-distance cable communication.

The communication identifying unit 255 identifies the wireless terminal 300 of the user to connect the bidirectional short range wireless communication at the initial operation of the chip module 230, The wireless communication device 200 may be connected to the chip module 230 via the wireless communication unit 220. The wireless communication unit 230 may be a wireless communication unit that is connected to the chip module 230, And performs a procedure for identifying the terminal 300. For example, when the RF processing unit 245 performs RF processing for Bluetooth-based bidirectional short-range wireless communication, the communication identifying unit 255 identifies a user who owns the cigar jack device 200 according to the Bluetooth pairing procedure Directional short-range wireless communication with the wireless terminal 300 of the Bluetooth-based bidirectional short-range wireless communication by performing the pairing procedure with the wireless terminal 300 of the Bluetooth-based bidirectional short-range wireless communication. According to the embodiment of the present invention, the communication identifier 255 identifies the user's wireless terminal 300 as communication identification information for connecting the bidirectional short-range wireless communication with the user's wireless terminal 300 Direction short-range wireless communication with the user's wireless terminal 300 using the communication identification information without performing a separate identification procedure. The short-range wireless communication connection unit 260 may be connected to the wireless terminal 300, You can connect.

The short range wireless communication connection unit 260 refers to the result of identifying the user's wireless terminal 300 through the short range wireless communication identification unit 255 or the communication identification information stored in the memory unit 240, Directional short-range wireless communication with the wireless terminal 300 of the user who owns the mobile terminal 200.

Meanwhile, the short-range cable communication connection unit 260 identifies the user's wireless terminal 300 connected to the connector unit 220 in cooperation with the USB communication unit 235, Cable communication can be connected. According to an embodiment of the present invention, the short-range cable communication connection unit 260 acquires communication identification information for identifying the user's wireless terminal 300 among devices connected to the connector unit 220 through cable connection, and stores the acquired communication identification information in the memory unit 240 In this case, the short-range cable communication connection unit 260 may connect the two-way short-range cable communication with the user's wireless terminal 300 corresponding to the communication identification information. Hereinafter, a component for connecting at least one bi-directional local area communication between the user's wireless terminal 300 and the bi-directional local area wireless communication and / or the bi-directional local area cable communication is collectively referred to as a communication connection unit 260.

Referring to FIG. 2, the chip module 230 of the cigar jack device 200 includes a communication processing unit 265 for processing bi-directional local communication with a user's wireless terminal 300 connected to the bidirectional local area communication, A code checking unit 270 for checking an identification code to be transmitted through a radio signal and a signal transmitting unit 280 for transmitting a unidirectional radio signal including the identified identification code through the RF processor 245, And a code generation unit 275 for generating an authentication code among the identification codes to be included in the unidirectional wireless signal.

The communication processing unit 265 processes at least one bi-directional short distance communication between the user's wireless terminal 300 and the bidirectional short distance communication through the communication connection unit 260.

The signal transmitting unit 280 confirms an identification code of a designated code structure that can be transmitted by being included in the unidirectional radio signal, and processes the unidirectional radio signal including the identification code to be transmitted through the RF processor 245. If the chip module 230 is operated with the vehicle power supply, the signal transmitting unit 280 may process the unidirectional radio signal so as to be amplified and transmitted.

According to the first unidirectional radio signal transmission embodiment of the present invention, the code checking unit 270 checks an identification code including a unique code stored in the memory unit 240 of the chip module 230, The transmitting unit 280 may process the unidirectional radio signal including the identification code to be transmitted through the RF processor 245.

According to the second unidirectional wireless signal transmission embodiment of the present invention, the code checking unit 270 receives the code received from the program 325 of the user-possessed wireless terminal 300 through the bidirectional short-range communication through the communication processing unit 265 And the signal transmitting unit 280 may process the unidirectional radio signal including the identification code to be transmitted through the RF processor 245. For example,

The code generation unit 275 generates information on the information stored in the memory unit 240 of the chip module 230 such as the seed value and the chip module 230, (For example, a time value counted by using the charging power source of the power charging unit 215), a count value of the charging power source after the time synchronization with the user's wireless terminal 300 through the communication processing unit 265, (For example, information received from the user's wireless terminal 300 through the communication processing unit 265) through the bidirectional short-range communication through the communication processing unit 265 (E.g., a time value, a random number, a device ID value of the wireless terminal 300, a value received from the operation server 400 by the program 325 of the wireless terminal 300, etc.) The authorization code in the form of a one-off code Can be generated. In this case, the code checking unit 270 checks an identification code including a unique code stored in the memory unit 240 of the chip module 230 and an authentication code generated through the code generating unit 275, The signal transmitting unit 280 may process the unidirectional radio signal including the identification code to be transmitted through the RF processor 245.

Alternatively, the code generating unit 275 may receive information provided in the memory unit 240 of the chip module 230, information dynamically determined in the chip module 230, and bidirectional near field communication through the communication processing unit 265 An authentication code in the form of a cipher code in which one or more pieces of information provided from the program 325 of the user-possessed wireless terminal 300 can be decrypted through the designated operation server 400 can be generated. In this case, the code checking unit 270 checks an identification code including a unique code stored in the memory unit 240 of the chip module 230 and an authentication code generated through the code generating unit 275, The signal transmitting unit 280 may process the unidirectional radio signal including the identification code to be transmitted through the RF processor 245.

Alternatively, the code generation unit 275 may generate the information provided in the chip module 230 and the information dynamically determined in the chip module 230 using the certificate provided in the memory unit 240 of the chip module 230 And an authentication code in the form of a signature code obtained by digitally signing one or more pieces of information provided from the program 325 of the user-possessed wireless terminal 300 through bidirectional short-range communication through the communication processor 265. [ In this case, the code checking unit 270 checks an identification code including a unique code stored in the memory unit 240 of the chip module 230 and an authentication code generated through the code generating unit 275, The signal transmitting unit 280 may process the unidirectional radio signal including the identification code to be transmitted through the RF processor 245.

According to the fourth unidirectional wireless signal transmission embodiment of the present invention, the code verifying unit 270 receives the code received from the program 325 of the user-possessed wireless terminal 300 through the bidirectional short-range communication through the communication processing unit 265 The code generation unit 275 identifies a unique code inherent to the chip module 230 and the information stored in the memory unit 240 of the chip module 230 and information dynamically determined by the chip module 230, It is possible to generate an authentication code in the form of a disposable code by using one or more pieces of information provided from the user's wireless terminal 300 through the bi-directional short distance communication through the wireless terminal 300 as a seed. In this case, the code identifying unit 270 may identify the unique code provided from the program 325 of the user-possessed wireless terminal 300 and an identification code including the authentication code generated through the code generating unit 275 And the signal transmitting unit 280 may process the unidirectional radio signal including the identification code through the RF processor 245.

Alternatively, the code checking unit 270 may check the unique code received from the program 325 of the user-owned wireless terminal 300 through the bidirectional local communication through the communication processing unit 265, The wireless module 275 transmits the information provided in the memory unit 240 of the chip module 230 and the information dynamically determined in the chip module 230 and the user- 300 may encrypt the encrypted information through the designated operating server 400 so as to generate an authentication code in the form of an encrypted code. In this case, the code identifying unit 270 may identify the unique code provided from the program 325 of the user-possessed wireless terminal 300 and an identification code including the authentication code generated through the code generating unit 275 And the signal transmitting unit 280 may process the unidirectional radio signal including the identification code through the RF processor 245.

Alternatively, the code checking unit 270 may check the unique code received from the program 325 of the user-owned wireless terminal 300 through the bidirectional local communication through the communication processing unit 265, The information provided to the chip module 230 and the information dynamically determined in the chip module 230 and the information received from the communication processing unit 265 using the certificate provided in the memory unit 240 of the chip module 230, ) Of the information provided from the program 325 of the user-possessed wireless terminal 300 through the bi-directional short-range communication through the bi-directional short- In this case, the code identifying unit 270 may identify the unique code provided from the program 325 of the user-possessed wireless terminal 300 and an identification code including the authentication code generated through the code generating unit 275 And the signal transmitting unit 280 may process the unidirectional radio signal including the identification code through the RF processor 245.

According to the fifth unidirectional radio signal transmitting embodiment of the present invention, the code verifying unit 270 may extract a unique code and / or a code in a form of partially selecting or combining at least one of the first through fourth unidirectional radio signal transmitting embodiments. Or the identification code including the authentication code, and the signal transmitting unit 280 can process the unidirectional radio signal including the identification code to be transmitted through the RF processor 245. It is clearly understood that the present invention includes all embodiments which can be derived from a modification of the above embodiment as a scope of right.

2, the chip module 230 of the cigar jack device 200 includes a communication processor 265 for processing bi-directional local communication with a user's wireless terminal 300 connected to the bi-directional local area communication, A code generation unit 275 for generating an authentication code to be transmitted to the user's wireless terminal 300 through communication and a code transmission unit for transmitting the generated authentication code to the user's wireless terminal 300 through the bidirectional local area communication And a request confirmation unit 285 for confirming a request for an authentication code from the user's wireless terminal 300 through the bidirectional local area communication.

The program 325 included in the user's wireless terminal 300 receives request information requesting the authentication code generated by the chip module 230 of the cigar jack device 200 from the designated operating server 400, Or the billing information including the payment amount from the operation server 400 and outputs the payment information to the chip module 230 of the cigar jack device 200 via the bidirectional local communication according to a designated procedure, The request confirmation unit 285 receives the code request information from the user's wireless terminal 300 through the bidirectional local area communication. Meanwhile, the request confirmation unit 285 may transmit information (e.g., a time value, a random number value, a device ID value of the wireless terminal 300, a wireless terminal A value received from the operating server 400 by the program 325 of the server 300, and the like).

The authentication code request is confirmed from the user's wireless terminal 300 through the request confirmation unit 285 and / or the authentication code is transmitted to the user's wireless terminal 300 according to an operation procedure set in the chip module 230. [ The code generation unit 275 generates the information (for example, seed value) stored in the memory unit 240 of the chip module 230, the information dynamically determined in the chip module 230 (For example, a time value counted using the charging power source of the power charging unit 215, a time value counted using the charging power source after the time synchronization with the user's wireless terminal 300 via the communication processing unit 265) The time information received from the user's wireless terminal 300 through the communication processing unit 265, the time information received from the user's wireless terminal 300 through the communication processing unit 265, Random number A device ID value of the wireless terminal 300, a value received from the operation server 400 by the program 325 of the wireless terminal 300, or the like) as a seed to generate a one- Lt; / RTI >

Alternatively, the code generating unit 275 may receive information provided in the memory unit 240 of the chip module 230, information dynamically determined in the chip module 230, and bidirectional near field communication through the communication processing unit 265 An authentication code in the form of a cipher code in which one or more pieces of information provided from the program 325 of the user-possessed wireless terminal 300 can be decrypted through the designated operation server 400 can be generated.

Alternatively, the code generation unit 275 may generate the information provided in the chip module 230 and the information dynamically determined in the chip module 230 using the certificate provided in the memory unit 240 of the chip module 230 And an authentication code in the form of a signature code obtained by digitally signing one or more pieces of information provided from the program 325 of the user-possessed wireless terminal 300 through bidirectional short-range communication through the communication processor 265. [

Meanwhile, when the unidirectional radio signal transmitted through the signal transmitting unit 280 includes the authentication code generated by the chip module 230 according to the third or fourth unidirectional radio signal transmitting embodiment, the code generating unit 275 may confirm the authentication code included in the unidirectional wireless signal with an authentication code to be transmitted to the user's wireless terminal 300 through the bidirectional local area communication.

The code transmitting unit 290 transmits the authentication code generated / verified through the code generating unit 275 to the user's wireless terminal 300 through the bidirectional local area communication, and the user's wireless terminal 300 And receives the authentication code generated in the chip module 230 through the bidirectional local area communication. The program 325 of the wireless terminal 300 may transmit the payment confirmation information including the authentication code generated in the chip module 230 to the designated operation server 400.

FIG. 3 is a diagram illustrating a functional configuration of a user-owned wireless terminal 300 according to an embodiment of the present invention.

3 is a block diagram showing a configuration of a chip module 230 of a cigar jack device 200 according to an embodiment of the present invention. Referring to FIG. 3, the chip module 230 of the cigarette jack device 200 performs bidirectional short distance communication to receive the authentication code generated by the chip module 230, The wireless terminal 300 is capable of recognizing the unidirectional wireless signal transmitted from the wireless terminal 300. As a person skilled in the art to which the present invention pertains, It is to be understood that the present invention is not limited to the above-described exemplary embodiments, and various changes and modifications may be made without departing from the scope of the present invention. 3 may include at least one of various smart phones, various tablet PCs, and various mobile phones having a network communication function, a bi-directional local communication function, and a unidirectional wireless signal receiving function.

3, the wireless terminal 300 includes a control unit 302, a memory unit 320, a screen output unit 304, a user input unit 306, a sound processing unit 316, a cable communication unit 310, A short range wireless communication unit 308, a short range wireless communication unit 312, a wireless network communication unit 314, a USIM reader unit 318, and a USIM, and has a battery for power supply.

The control unit 302 is a general term for controlling the operation of the wireless terminal 300. The control unit 302 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 302 loads at least one program code included in the wireless terminal 300 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the wireless terminal 300. FIG. Hereinafter, the configuration of the program 325 of the present invention, which is implemented in the form of program code for convenience, will be described in the control unit 302. FIG.

The memory unit 320 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 300 and includes at least one program code executed through the control unit 302 and at least one Save and maintain the dataset. The memory unit 320 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 300, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 300, The program code and data set corresponding to the program 325 of the present invention are also stored in the memory unit 320. [

The screen output unit 304 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) or the like) and a driving module for driving the screen output unit 304. The screen output unit 304 is connected to the control unit 302, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 306 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen coupled to the screen output unit 304), and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 302 or data necessary for the operation of the control unit 302. [

The sound processing unit 316 includes a speaker, a microphone, and a driving module for driving the speaker. The sound processing unit 316 decodes sound data corresponding to the sound output from the various calculation results of the control unit 302 and outputs the sound data through the speaker Or a sound signal input through the microphone, and transmits the encoded sound signal to the controller 302. [

The cable communication unit 310 receives power using a cable or provides USB-based short-range cable communication, and the power supplied through the cable is charged in the battery. The cable communication unit 310 determines whether USB-based short-range cable communication is available when the cable is connected, and USB-based short-range cable communication when the USB-based short-range cable communication is available.

The short range wireless communication unit 308 is a unit for processing bidirectional short distance wireless communication with the chip module 230 of the cigar jack device 200 and receiving the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200. [ And preferably includes a Bluetooth component for processing Bluetooth based bidirectional local area wireless communication and receiving Bluetooth based unidirectional wireless signals. However, the communication standard and the signal standard of the short-range wireless communication unit 308 are not limited to the Bluetooth. The short-range wireless communication unit 308 may process bidirectional short-range wireless communication with the chip module 230 of the cigar jack device 200, It is evident that whichever communication standard or signal standard is applied, it is within the scope of the present invention if a unidirectional radio signal transmitted from the module 230 can be received.

The wireless network communication unit 314 and the short-range network communication unit 312 are collectively referred to as communication resources for connecting the wireless terminal 300 to a designated communication network. Preferably, the wireless terminal 300 may include a wireless network communication unit 314 as a basic communication resource, and may include one or more short-range network communication units 312.

The wireless network communication unit 314 collectively refers to a communication resource for connecting the wireless terminal 300 to a wireless communication network via a base station. The wireless communication unit 314 may include an antenna, an RF module, a baseband module, And transmits the calculation result corresponding to the wireless communication among the various calculation results of the controller 302 through the wireless communication network or receives data through the wireless communication network To the control unit 302, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 314 can connect the wireless terminal 300 to a communication network including a communication channel and a data channel via the exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 314 is a mobile communication unit that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA / &Lt; / RTI > Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 314 may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 314. [ That is, the wireless network communication unit 314 is a general term for a configuration unit that connects to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range network communication unit 312 collectively refers to a communication resource for connecting a communication session using a radio frequency signal within a predetermined distance (e.g., 10 m) as a communication medium and connecting the wireless terminal 300 to the communication network based on the communication session , The wireless terminal 300 may be connected to the communication network through at least one of Wi-Fi communication, public wireless communication, and UWB. According to an embodiment of the present invention, the local area network communication unit 312 may be integrated with or separated from the wireless network communication unit 314. According to the present invention, the short-range network communication unit 312 connects the wireless terminal 300 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 318 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module mounted or detached from the wireless terminal 300 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 318, a program code for at least one IC chip (Or processing) the program code for the IC chip in accordance with at least one command transmitted from the wireless terminal 300, or extracting (or processing) the data set in association with the input / output interface To the input / output interface.

The control unit 302 downloads a program 325 linked with the chip module 230 of the cigar jack device 200 to store the program in the memory unit 320, 325 are driven to perform operations according to the present invention.

Referring to FIG. 3, the program 325 of the wireless terminal 300 includes a cigar jack device 200 (FIG. 3) owned by a user of the wireless terminal 300, based on bidirectional short- A chip module identification unit 330 for identifying the chip module 230 of the cigar jack device 200 in association with the short range wireless communication unit 308, And a short-range cable module connection unit 335 having a short-range wireless cable module connection unit 335 and a bidirectional short-range cable communication connection with the cigar jack device 200 connected to the cable communication unit 310 .

The chip module identification unit 330 identifies the wireless terminal 300 of the user to connect the bidirectional short range wireless communication at the initial operation of the chip module 230 of the cigar jack device 200 When the communication identification information for the user's wireless terminal 300 is stored in the chip module 230 or when the user operates the operation unit 225 of the cigar jack device 200) And performs a procedure for identifying the chip module 230 of the cigar jack device 200 owned by the user from the short range wireless communication device capable of bidirectional short distance wireless communication through the communication unit 308. [ For example, when the short-range wireless communication unit 308 processes Bluetooth-based bidirectional short-range wireless communication, the chip module identification unit 330 performs a Bluetooth pairing procedure with the cigar jack device 200 owned by the user The user can identify the chip module 230 of the cigar jack device 200 of the user to connect the Bluetooth based bidirectional short range wireless communication. According to an embodiment of the present invention, the chip module identification unit 330 identifies the user's cigar jack device 200 as communication identification information for connecting the cigar jack device 200 with the bidirectional short- The short-range wireless chip module connection unit 335 can identify the user's cigar jack device 200 and the bidirectional short-range wireless communication unit 320 using the communication identification information without a separate identification process, Communication can be connected.

The local wireless chip module connection unit 335 refers to the result of identifying the user's cigar jack device 200 through the local wireless chip module identification unit 330 or the communication identification information stored in the memory unit 320, Way short range wireless communication with the cigar jack device 200 of FIG.

Meanwhile, the short-distance cable chip module connection unit 335 is connected to the cable communication unit 310 to identify the cigar jack device 200 of the user to which the cable is connected and to connect the cigar jack device 200 to the bidirectional short- . According to an embodiment of the present invention, the short-range cable module connection unit 335 may acquire communication identification information for identifying the user's cigar jack device 200 among the devices to which the cable is connected and store the acquired communication identification information in the memory unit 320, In this case, the short-range cable chip module connection unit 335 can connect the bidirectional short-range cable communication with the user's cigar jack device 200 corresponding to the communication identification information. Hereinafter, a component for connecting at least one bi-directional local area communication between the cigar jack device 200 and the bi-directional local area wireless communication and / or the bi-directional local area cable communication is collectively referred to as a chip module connecting portion 335.

3, the program 325 of the wireless terminal 300 includes a chip module communication unit 340 for processing bidirectional short distance communication with the chip module 230 of the cigar jack device 200 to which bidirectional local area communication is connected And a chip module management unit 345 for performing bidirectional short distance communication with the chip module 230 of the cigar jack device 200 through the chip module communication unit 340 to manage the chip module 230 of the cigar jack device 200, Respectively.

The chip module communication unit 340 processes bi-directional short-range wireless communication with the chip module 230 of the cigar jack device 200 of the user communicating with the short-range wireless communication unit 308 through the chip module connection unit 335 . The chip module management unit 345 receives status information on a unidirectional wireless signal transmitted from the chip module 230 from the chip module 230 of the cigar jack device 200 connected to the communication unit through the chip module communication unit 340 And output it.

According to the embodiment of the present invention, the chip module management unit 345 sets a unique code to be included in the unidirectional radio signal to be transmitted through the chip module 230 of the cigar jack device 200, By providing the unique code to the cigar jack device 200 through bidirectional local communication of the cigar jack device 340, an identification code including the provided separate unique code is included through the chip module 230 of the cigar jack device 200 Directional radio signal is transmitted.

Alternatively, the chip module management unit 345 may receive a unique code to be included in the unidirectional radio signal to be transmitted from the designated operation server 400 through the chip module 230 of the cigar jack device 200, By providing the unique code to the cigar jack device 200 through bidirectional local communication of the cigar jack device 340, an identification code including the provided separate unique code is included through the chip module 230 of the cigar jack device 200 Directional radio signal is transmitted.

3, the program 325 of the wireless terminal 300 receives a unidirectional wireless signal transmitted from the chip module 230 of the user's owned cigarette jack device 200 in cooperation with the short-range wireless communication unit 308 A signal recognition unit 350 for recognizing a unique code and / or an authentication code included in the unidirectional wireless signal, and a control unit 350 for reading the recognized unique code and / or authentication code and controlling the chip module 230 of the cigar jack device 200 And a signal analyzing unit 355 analyzing whether the unique code and / or the authentication code is valid.

The signal recognition unit 350 receives the unidirectional radio signal transmitted from the chip module 230 of the user's owned cigar jack device 200 in cooperation with the short range wireless communication unit 308 and reads the unidirectional radio signal, And recognizes a unique code and / or authentication code transmitted from the chip module 230 of the owned cigar jack device 200 via the unidirectional wireless signal.

The signal analyzer 355 analyzes the signal from the chip module 230 of the cigar jack device 200 based on bi-directional local communication with the chip module 230 of the cigar jack device 200 through the chip module communication unit 340 A unique code and / or an authentication code to be transmitted through the unidirectional wireless signal is checked, and a unique code and / or an authentication code recognized through the signal recognition unit 350 are transmitted to the chip module 230 of the cigar jack device 200, Or a unique code and / or authentication code to be transmitted via the unidirectional wireless signal. Meanwhile, in order to match the authentication code, the signal analyzer 355 may include an authentication rule for matching authentication of the authentication code, and / or transmit the authentication code to the operation server 400 to request authentication .

If the unique code and / or the authentication code are matched, the signal analyzer 355 analyzes various services (for example, a request for a service) based on a unidirectional radio signal transmitted through the chip module 230 of the cigar jack device 200 The signal analyzer 355 notifies the signal analyzer 355 of the validity of various services through the chip module 230 of the cigar jack device 200 through the chip module manager 345, Directional radio signal including a code and / or an authentication code can be sent out.

3, the program 325 of the wireless terminal 300 includes a unique code transmitted from the chip module 230 of the user-owned cigar jack device 200 through the unidirectional radio signal, A registration request unit 360 for requesting the specified operating server 400 to register unique information that uniquely identifies the user-owned wireless terminal 300 (or the program 325 of the wireless terminal 300) And a registration confirmation unit (365) for checking whether a unique code registered in the server (400) matches a unique code of a unidirectional radio signal transmitted from the chip module (230) of the cigar jack device (200).

When the program 325 of the wireless terminal 300 is executed for the first time (or before the unique information registration), the registration request unit 360 assigns the user's own wireless terminal 300, which owns the cigar jack device 200, (For example, an application identification value, a device ID, a device ID, a device identifier) unique to the unique information (e.g., telephone number, IMSI, IMEI, MAC and the like) The operation server 400 requests the registration of the user terminal 300 owned by the cigar jack device 200 (or wireless terminal 300) that owns the cigar jack device 200, (Program 325 of the terminal 300) and stores the unique information in a designated storage medium. The registration request unit 360 possesses the cigar jack device 200 and receives user information about a user who owns the wireless terminal 300 and transmits the user information to the operation server 400 via a designated path, In this case, the operation server 400 may map the user information and the unique information and store the user information in a designated storage medium.

The chip module 230 of the user owned cigar jack device 200 is identified through the chip module identification part 330 and / or the chip module 230 of the user owned cigar jack device 200 is identified through the chip module connection part 335 When the unique code for the chip module 230 of the cigar jack device 200 owned by the user is inputted by the user and / or the unique request code for the chip module 230 owned by the user is input by the user, Directional radio signal from the chip module 230 of the user's owned cigar jack device 200 and requests registration of the identified unique code to the designated operation server 400. The operation server 400 Receives a unique code transmitted from the chip module 230 of the cigar jack device 200 through a unidirectional radio signal and stores the received unique code in a designated storage medium. The registration request unit 360 transmits the unique information of the wireless terminal 300 (or the program 325 of the wireless terminal 300) and the unique code to the operation server 400 And the operation server 400 may map the inherent code and unique information and store the unique code in the designated storage medium.

When the unique code is registered in the storage medium designated by the operation server 400, the registration confirmation unit 365 checks the unique code stored in the storage medium. The registration confirmation unit 365 communicates with the chip module 230 of the cigar jack device 200 through the chip module communication unit 340 and transmits a unique code Or checks the unique code of the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 through the signal recognition unit 350 and checks whether the unique code matches the unique code stored in the storage medium . If the unique code stored in the storage medium does not match the unique code of the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200, the registration confirmation unit 365 transmits the registration request to the registration request unit 360, The unique code registered in the storage medium can be updated to match the unique code of the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200. [

According to the embodiment of the present invention, the unique code of the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 can be changed through the chip module management unit 345. In this case, the registration confirmation unit 365 confirms the changed unique code through the chip module management unit 345 or communicates with the chip module 230 of the cigar jack device 200 through the chip module communication unit 340 Directional radio signal transmitted from the chip module 230 of the cigar jack device 200 through the signal recognition unit 350 or a unique code transmitted from the chip module 230 through the unidirectional radio signal, The unique code stored in the storage medium and the unique code of the unidirectional radio signal actually transmitted from the chip module 230 of the cigar jack device 200 are matched. If the unique code stored in the storage medium does not match the unique code of the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200, the registration confirmation unit 365 transmits the registration request to the registration request unit 360, The unique code registered in the storage medium can be updated to match the unique code of the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200. [ That is, the unique code transmitted from the chip module 230 of the cigar jack device 200 owned by the user via the unidirectional radio signal by the registration confirmation unit 365 and the registration request unit 360, The unique code will remain matched for payment.

According to the embodiment of the present invention, the registration request unit 360 receives the payment means information corresponding to the payment means of the user, and transmits the payment means information to the designated operation server 400 (or the payment means information (Or the server receiving the payment means information) can register and store the payment means information of the user in a specified security medium. have. In this case, the payment means information stored in the secure medium may be mapped to the unique code and / or unique information.

According to an embodiment of the present invention, the registration request unit 360 may receive at least partial information (e.g., seed value) of an authentication rule for authenticating the validity of an authentication code to be generated in the chip module 230 of the ciga- And the operation server 400 can provide the partial information provided from the program 325 of the wireless terminal 300 and / or the partial information received from the operation server 400 An authentication rule for authenticating the validity of an authentication code to be generated by the chip module 230 of the cigar jack device 200 may be configured using the information determined by itself and may be mapped and stored with the unique code and / .

3, a program 325 of the wireless terminal 300 recognizes a unique code of a unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200, A request for requesting an authentication code generated by the chip module 230 of the cigar jack device 200 from the operation server 400 when the payment request information including the unique code is transmitted to the operation server 400 and payment is requested An information receiving unit 370 for receiving payment information including a payment amount corresponding to the amount of money to be received and / or receiving the information, and generating the payment information in the chip module 230 of the cigar jack device 200 through bidirectional short- An authentication code acquisition unit 380 for acquiring a verification code and a payment confirmation processing unit 385 for transmitting payment confirmation information including the verification code to the operation server 400, 400) The payment information authentication unit 375 may authenticate that the received payment information is payment information corresponding to the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200 and / And a settlement processing unit 390 for performing a settlement procedure for the settlement information by using a settlement means and a settlement means.

The settlement device 100 recognizing the unique code of the unidirectional radio signal transmitted from the chip module 230 of the user owned cigar jack device 200 transmits the settlement request information including the unique code to the operation server 400 The operation server 400 may transmit request information for requesting an authentication code generated by the chip module 230 of the cigar jack device 200. In this case, From the server 400, the request information including the payment amount. Alternatively, the operation server 400 may check the payment information including the payment amount to be requested to the user who owns the cigar jack device 200, and transmit the payment information to the user-owned wireless terminal 300 corresponding to the unique information mapped to the unique code, The information receiving unit 370 may receive the payment information including the payment amount from the operation server 400. In this case,

Upon receiving the request information and / or the payment information through the information receiving unit 370, the authentication code obtaining unit 380 generates the authentication code from the chip module 230 of the cigar jack device 200 through the bidirectional local area communication (For example, the chip module 230 of the cigar jack device 200 to which bidirectional short-range communication is connected) (or the chip module 230 of the cigar jack device 200 corresponding to the unique code included in the payment information) Authentication code is requested and received).

If the request information is received through the information receiving unit 370, the authentication code obtaining unit 380 obtains the authentication code generated by the chip module 230 of the cigar jack device 200 through the bidirectional local area communication (For example, the chip module 230 of the cigar jack device 200 to which the bidirectional local communication is currently connected) (or the chip module 230 of the cigar jack device 200 corresponding to the unique code contained in the payment information) (Receiving).

If the payment information is received through the information receiving unit 370, the authentication code obtaining unit 380 obtains a payment confirmation message for confirming the payment confirmation received from the operation server 400 The payment information may be included and output. If the user confirms the payment for the payment information through the payment confirmation interface (e.g., by clicking the " confirm " button or entering the registered PIN / authentication, etc.), the authentication code obtaining unit 380 obtains the bi- (For example, the chip module 230 of the cigar jack device 200 to which the bidirectional local area communication is connected) (or a unique code included in the billing information) (E.g., the chip module 230 of the cigar jack device 200). Meanwhile, when the payment information is received through the information receiving unit 370, the payment information authenticating unit 375 may communicate with the chip module communicating unit 340 or may be associated with the signal recognizing unit 350 By confirming the unique code of the unidirectional radio signal transmitted from the cigar jack device 200 and authenticating whether the unique code included in the payment information matches the unique code of the unidirectional radio signal transmitted from the cigar jack device 200, It is possible to verify that the payment information is payment information corresponding to the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200. [ In this case, the authentication code obtaining unit 380 may obtain the authentication code generated by the chip module 230 of the cigar jack device 200 when the payment information matches.

When the authentication code generated by the chip module 230 of the cigar jack device 200 is obtained through the authentication code acquisition unit 380, the payment confirmation processing unit 385 determines whether the chip module 230 of the cigar jack device 200 And transmits the settlement confirmation information to the operation server 400. [0060] Meanwhile, when a predetermined PIN for payment processing is registered in the operation server 400 according to the method, the payment confirmation processing unit 385 receives the PIN for the payment processing, And transmits the authentication code generated by the module 230 and payment confirmation information including the input PIN to the operation server 400. Meanwhile, when the settlement means information of the user is registered in the secure medium interlocked with the operation server 400 according to the embodiment, the settlement confirmation processing unit 385 obtains an identification value for identifying the payment means information of the registered user And transmits the payment confirmation information including the identification value of the payment means information to the operation server 400. [

The operation server 400 receives the payment confirmation information including the authentication code from the user-owned wireless terminal 300 possessing the cigar jack device 200 and transmits the authentication information received from the wireless terminal 300 Process the validity of the code to be authenticated.

On the other hand, when the payment means information of the user is not registered in the security medium interlocked with the operation server 400, the operation server 400 provides the payment information to the user's wireless terminal 300 The payment processing unit 390 can use the payment method available in the wireless terminal 300 and the payment method of the user to pay for the payment information Procedure can be performed. Meanwhile, in the embodiment of the present invention, any payment method and payment means used for processing payment information may be any payment method and payment means. According to an embodiment of the present invention, the settlement procedure may be performed in cooperation with the operation server 400, or may be performed directly in conjunction with the settlement server corresponding to the settlement method and / or the settlement means. When the settlement procedure is performed in cooperation with a separate settlement server, the settlement procedure unit 390 can confirm the settlement result of the settlement procedure and provide the settlement result to the operation server 400. [

4 is a diagram illustrating a configuration of an operation server 400 that processes payment using a user's owned cigar jack device 200 in cooperation with a user-possessed wireless terminal 300 according to an embodiment of the present invention.

4 shows an example of a case where a unique code transmitted through a unidirectional radio signal from the chip module 230 of the user's own cigar jack device 200 and a unique code transmitted from the user's own wireless terminal 300 The unique device identifying information unique to the terminal 300 is mapped and stored and then the payment device 100 receives the unidirectional wireless signal transmitted from the chip module 230 of the user owned cigar jack device 200 Receiving the payment request information including the unique code recognized by the unidirectional radio signal from the program 325 of the user-owned wireless terminal 300 possessing the cigar jack device 200, (400) for processing payment requested by the payment apparatus (100) based on a result of receiving and authenticating the payment confirmation information including the authentication code generated by the chip module (230) which Those skilled in the art will be able to refer and / or modify Figure 4 to illustrate various implementations of the configuration of the operations server 400 (e.g., some configuration portions may be omitted, However, the present invention encompasses all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

The operation server 400 can communicate with the user-owned wireless terminal 300 possessing the cigar jack device 200 via the designated communication network, and the unidirectional transmission from the chip module 230 of the user- And communicates with the settlement apparatus 100 that receives / recognizes the wireless signal via the designated communication network.

Referring to FIG. 4, the operation server 400 includes a unique code transmitted from the chip module 230 of the user-owned cigar jack device 200 through a unidirectional radio signal, And a registration processing unit 405 for mapping and registering unique information that uniquely identifies the terminal 300 (or the program 325 of the wireless terminal 300). The chip module 230 of the user owned cigar jack device 200 And an authentication rule setting unit 410 for setting an authentication rule for authenticating the validity of the authentication code generated by the authentication rule setting unit 410. [

The program 325 of the user-possessed wireless terminal 300 possessing the cigar jack device 200 may transmit unique information (e.g., telephone number, IMSI, IMEI, MAC, etc.) that uniquely identifies the wireless terminal 300 (E.g., an application identification value, a device token, a push token, a UUID, a UDID, and the like) that uniquely identifies the program 325 installed in the wireless terminal 300 and / The registration processing unit 405 requests the registration of the user owned radio terminal 300 (or the program 325 of the radio terminal 300) from the program 325 of the user owned radio terminal 300 And stores the received unique information in a designated storage medium. The storage medium may be implemented in the operation server 400 or through a separate DB server linked with the operation server 400. On the other hand, when transmitting the user information for the user from the program 325 of the user-possessed wireless terminal 300, the registration processor 405 transmits the user information to the user via the designated path (for example, And may store the unique information that uniquely identifies the wireless terminal 300 (or the program 325 of the wireless terminal 300) and the user information in a designated storage medium.

The unique code transmitted from the chip module 230 of the user owned cigar jack device 200 through the unidirectional wireless signal is checked in the program 325 of the user-owned wireless terminal 300 possessing the cigar jack device 200, Upon receiving the request, the registration processor 405 receives a unique code transmitted from the program 325 of the user-owned wireless terminal 300 through the unidirectional wireless signal from the chip module 230 of the user-owned cigar jack device 200 And stores the received unique code in a designated storage medium. The registration processing unit 405 may transmit the unique code transmitted from the chip module 230 of the user owned cigar jack device 200 through the unidirectional wireless signal and the unique code transmitted from the user- The program 325 of FIG. 3) is mapped and stored in a designated storage medium.

According to the method of the present invention, the program 325 of the user-possessed wireless terminal 300 receives the payment means information corresponding to the payment means of the user and transmits the payment means information to the designated operation server 400 And the registration processing unit 405 may register and store the payment means information of the user in the designated security medium. In this case, the payment means information stored in the secure medium may be mapped to the unique code and / or unique information.

The authentication rule setting unit 410 sets an authentication rule for authenticating the validity of the authentication code generated by the chip module 230 of the cigar jack device 200 (for example, a code generation algorithm for generating a one- A signature algorithm, signature target information, information provided by the operation server 400 and provided to the program 325 of the wireless terminal 300, etc.). Meanwhile, at least some information (for example, a seed value) of the authentication rule may be set through the program 325 of the wireless terminal 300 according to the method of operation.

4, the operation server 400 receives the unidirectional radio signal transmitted from the chip module 230 of the user-owned cigar jack device 200 and receives the unidirectional radio signal through the unidirectional radio signal from the payment device 100 And a payment request receiving unit 415 for receiving payment request information including the unique code.

The cigar jack device 200 and the settlement device 100 within the specified effective range are connected to the chip module 230 of the cigar jack device 200 while the chip module 230 of the user- And recognizes a unique code included in the unidirectional wireless signal, and further recognizes an authentication code included in the unidirectional wireless signal according to an embodiment of the present invention.

The settlement apparatus 100 constructs payment request information including a unique code and / or an authentication code recognized through the unidirectional wireless signal and transmits the settlement request information to the operation server 400. The payment request receiving unit 415 transmits And receives the payment request information from the device 100. [

According to the first payment request information embodiment of the present invention, the settlement apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, and transmits a payment amount determined by the payment apparatus 100 And transmits the payment request information to the operation server 400. The payment request receiving unit 415 receives the payment request information including the unique code and / or the authentication code.

According to the second payment request information embodiment of the present invention, the payment apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, and the payment amount is calculated in the operation server 400 The payment request receiving unit 415 may transmit the payment request information including the required amount calculation parameter to the operation server 400. The payment request receiving unit 415 may receive the settlement request including the unique code and / And receives the request information.

According to the third embodiment of the payment request information of the present invention, the payment apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, And transmits the payment request information to the operation server 400. The payment request receiving unit 415 receives the payment request information including the unique code and / or the authentication code and includes the payment request amount do.

According to the fourth payment request information embodiment of the present invention, the settlement apparatus 100 includes a unique code and / or an authentication code recognized through the unidirectional wireless signal, and the settlement request amount determined by the settlement apparatus 100 And the settlement request information (for example, a discount policy of a base operating the settlement apparatus 100) necessary for calculating the settlement amount to be requested for payment by adjusting the settlement request amount at the operation server 400 And the payment request receiving unit 415 receives the payment request information including the unique code and / or the authentication code and including the payment request amount and the money amount calculation parameter.

According to the fifth embodiment of the payment request information of the present invention, the payment apparatus 100 may configure and transmit the payment request information in the form of one or more partial selection or combination of the first to fourth embodiments of the payment request information And the payment request receiving unit 415 receives the payment request information including the payment request amount and the amount calculation parameter from the payment apparatus 100. [

Referring to FIG. 4, the operation server 400 transmits a user-owned wireless terminal 300 (or a program 325 of the wireless terminal 300) corresponding to the unique code mapped to the unique code of the payment request information And transmits the request information requesting the authentication code generated by the chip module 230 of the cigar jack device 200 to the program 325 of the confirmed wireless terminal 300 And a payment confirmation requesting unit 430 for transmitting payment information including a payment amount and / or a predetermined payment amount, wherein the payment confirmation request unit 430 confirms payment information including a payment amount to be paid to a user who owns the cigar jack device 200 And an information confirmation unit 425.

When the settlement request information is received through the settlement request receiving unit 415, the terminal side check unit 420 uses the mapping relation between the unique code registered in the storage medium designated through the registration processing unit 405 and unique information Owned wireless terminal 300 (or the program 325 of the wireless terminal 300) corresponding to the unique information mapped with the unique code included in the payment request information. If the unique information mapped to the unique code is not confirmed, the terminal side confirmation unit 420 suspends settlement of the payment information, or suspends settlement of the settlement information of the user-owned wireless terminal 300 through the settlement apparatus 100 Unique information can be provided.

On the other hand, when the payment information is provided to the program 325 of the user-owned wireless terminal 300, the payment information confirmation unit 425 transmits the payment information to the user who owns the cigar jack device 200 Confirm or calculate the payment amount to be requested.

According to the first settlement request information embodiment of the present invention, when the settlement amount is included in the settlement request information, the settlement information verification unit 425 can check the settlement amount included in the settlement request information.

If the payment request information includes a payment amount calculation parameter required to calculate the payment amount according to the second payment request information embodiment of the present invention, The payment amount to be requested to be paid to the user who owns the mobile terminal 200 can be calculated.

If the settlement request amount determined by the settlement apparatus 100 is included in the settlement request information according to the third settlement request information embodiment of the present invention, 200) or a condition (for example, application of a discount coupon or a credit accumulation point held by a user who owns the cigar jack device 200) to calculate the payment amount .

When the settlement request amount and the amount calculation parameter determined by the settlement apparatus 100 are included in the settlement request information according to the fourth settlement request information embodiment of the present invention, The settlement amount can be calculated by adjusting the settlement amount.

When the payment amount to be requested to the user who owns the cigar jack device 200 is confirmed / calculated, the payment information confirmation unit 425 includes the confirmed / calculated payment amount, And the merchant information corresponding to the off-line base having the mobile terminal 100.

According to the embodiment of the present invention, the payment information confirmation unit 425 can check the payment information including the payment amount and the merchant information together with the unique code included in the payment request information.

The payment confirmation processing unit 385 requests the authentication code generated by the chip module 230 of the cigar jack device 200 as the program 325 of the wireless terminal 300 confirmed through the terminal confirmation unit 420 The wireless terminal 300 can request the authentication code generated by the chip module 230 of the cigar jack device 200 as the program 325 of the wireless terminal 300 by transmitting the request information. Meanwhile, when the payment information including the payment amount is confirmed through the payment information confirmation unit 425, the payment confirmation processing unit 385 checks the payment information of the wireless terminal 300 confirmed through the terminal side confirmation unit 420 The program 325 of the wireless terminal 300 transmits the payment information confirmed by the payment information verifying unit 425 to the program 325 to generate the payment information of the program created by the chip module 230 of the cigar jack device 200 You can request a verification code.

4, the operation server 400 includes a chip module (not shown) of the user-owned cigar jack device 200 that performs bi-directional short distance communication with the wireless terminal 300 from the program 325 of the user- A settlement confirmation receiving unit 435 for receiving settlement confirmation information including an authentication code generated in the settlement confirmation information 230 and an authentication code authentication unit 440 for processing the validity of the authentication code included in the settlement confirmation information, And a payment procedure processing unit 445 for performing a process of processing a payment requested by the payment apparatus 100 through the payment means of the user when the validity of the authentication code is authenticated.

The program 325 of the user owned wireless terminal 300 acquires the authentication code generated by the chip module 230 of the user owned cigarette jack device 200 that performs bidirectional short distance communication with the wireless terminal 300 from the program 325 And transmits the payment confirmation information including the authentication code generated by the chip module 230 of the cigar jack device 200. The payment confirmation receiver 435 receives the program 325 of the wireless terminal 300, The payment information including the authentication code generated by the chip module 230 of the cigar jack device 200. Meanwhile, when a predetermined PIN for payment processing is registered in the operation server 400 according to the method, the program 325 of the wireless terminal 300 receives the PIN for the payment processing, 200 to the operating server 400. The payment confirmation receiving unit 435 may transmit the payment confirmation information including the authentication code generated by the chip module 230 of the mobile terminal 200 to the mobile terminal 300 from the program 325 and confirm the validity of the PIN by receiving payment confirmation information including the PIN and the authentication code. Meanwhile, when the payment method information of the user is registered in the secure medium interlocked with the operation server 400 according to the method, the program 325 of the wireless terminal 300 identifies the payment method information of the registered user And transmits the payment confirmation information including the identification value of the payment means information to the operation server 400. In this case, the settlement confirmation information including the payment procedure Can be processed using the payment means information of the user corresponding to the genital identification value.

When the payment confirmation information including the authentication code generated by the chip module 230 of the cigar jack device 200 is received through the payment confirmation receiver 435, the authentication code authentication unit 440 transmits the payment confirmation information The validity of the included authentication code is authenticated.

According to the first authentication code authentication method of the present invention, the authentication code authenticating unit 440 authenticates the authentication code (for example, authentication code) for authenticating the validity of the authentication code to be generated in the chip module 230 of the ciga- A seed value matched with a seed used to generate an authentication code in the chip module 230 of the cigar jack device 200 and a code generation algorithm matching the code generation algorithm used to generate the authentication code in the chip module 230) And when the payment confirmation information including the authentication code is received through the payment confirmation receiving unit 435, the verification unit 430 checks the authentication code generated by the chip module 230 using the authentication rule (For example, a code generated by substituting a seed value stored in the authentication rule and a dynamically determined seed value into a code generation algorithm corresponding to an authentication rule), and transmits the verification code It can authenticate the validity of the authentication code included in the payment confirmation information.

The authentication code authenticating unit 440 transmits the authentication code generated by the chip module 230 of the cigar jack device 200 to a specified authentication server (e.g., an OTP authentication server, etc.) (For example, authentication server information, information set to be provided to the authentication server for validity authentication of the authentication code, and the like) to receive authentication through the payment confirmation receiving unit 435, The validity of the authentication code included in the payment confirmation information is authenticated through the specified authentication server using the authentication rule, and the authentication result authenticated through the authentication server can be checked have.

According to the third authentication code authentication method of the present invention, the payment request information received from the payment device 100 may be transmitted to the chip module (not shown) of the cigar jack device 200 according to the third or fourth unidirectional radio signal transmission embodiment The authentication code authentication unit 440 generates the authentication code in the unidirectional wireless signal by the chip module 230 of the cigar jack device 200 and transmits the unidirectional wireless signal through the bi- The validity of the authentication code included in the payment confirmation information can be verified by comparing the authentication code included in the payment confirmation information with the authentication code received from the payment apparatus 100 after being transmitted to the wireless terminal 300. [

According to the fourth authentication code authentication embodiment of the present invention, the authentication code authentication unit 440 determines whether the validity of the authentication code in the form of one or more partial selection or combination of the first to third authentication code authentication embodiments And the present invention can be included in the scope of the present invention.

When the payment method information of the user is registered in a security medium that can be interlocked with the operation server 400, the payment processing processing unit 445 transmits the authentication code to at least one of the first to fourth authentication code authentication embodiments, The settlement means information of the user registered in the secure medium is extracted based on the authentication result of the authentication of the settlement request information (or the settlement information) so that the settlement procedure for the settlement request information (or the settlement information) is performed through the designated settlement server Can be processed. Meanwhile, in the embodiment of the present invention, any payment method and payment means used for processing payment information may be any payment method and payment means.

On the other hand, when the settlement means information of the user is not registered in the secure medium interlocking with the operation server 400, the settlement processing unit 445 may transmit the settlement information to the secure server through at least one of the first to fourth authentication code authentication embodiments. (If the payment information is not provided to the user's wireless terminal 300, payment information can be further provided), and the user's wireless terminal 300 The terminal 300 can perform a payment procedure for the payment information using the payment method available in the wireless terminal 300 and the payment means of the user. Meanwhile, in the embodiment of the present invention, any payment method and payment means used for processing payment information may be any payment method and payment means.

According to an embodiment of the present invention, the payment procedure processing unit 445 may receive the payment approval procedure corresponding to the payment procedure of the program 325 of the wireless terminal 300 and / The settlement result of the settlement procedure can be confirmed from the settlement server (or the financial company server) that has performed the settlement process and the settlement result can be confirmed by the program 325 of the settlement apparatus 100 or the user- .

FIG. 5 is a diagram illustrating an operation process of the cigar jack device 200 according to an embodiment of the present invention.

5 shows an operation process of the cigar jack device 200 for transmitting the unidirectional radio signal including the identification code designated by the power supply to the chip module 230. In the technical field of the present invention, Those skilled in the art will be able to refer to and / or modify the drawing 5 to derive various implementations of the process of operation of the cigar jack device 200 (e.g., omitting some steps or changing the order) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

5, when the operation power is supplied to the chip module 230 of the cigar jack device 200 (500), the chip module 230 of the cigar jack device 200 confirms whether or not the unidirectional radio signal is transmitted (505). According to an embodiment of the present invention, the chip module 230 of the cigar jack device 200 transmits a unidirectional radio signal at the same time as the power is supplied, and / or transmits the unidirectional radio signal to the cigar jack device 200 through the operation part 225 Directional wireless communication between the chip module 230 of the cigar jack device 200 and the user wireless terminal 300 is connected or an instruction of the user wireless terminal 300 is transmitted Directional radio signal can be transmitted.

If the unidirectional wireless signal is transmitted, the chip module 230 of the cigar jack device 200 transmits the unidirectional wireless signal according to at least one embodiment of the first to fifth unidirectional wireless signal transmission embodiments of the present invention (510) the identification code including the unique code and / or the authentication code to be transmitted.

If the identification code to be transmitted through the unidirectional radio signal is confirmed, the chip module 230 of the cigar jack device 200 receives the identification code from the vehicle power source (e.g., the cigar jack device 200) (515). If it is determined that the vehicle power is not being supplied to the cigar jack device (200), the charging device The unidirectional radio signal including the identification code is transmitted (520). If the vehicle power is being supplied, the strength of the unidirectional radio signal is amplified (e.g., amplified up to a preset value or based on the vehicle power) And transmits a unidirectional radio signal including the identification code (525).

6 is a diagram illustrating a bi-directional short-range communication connection procedure between a cigar jack device 200 of a user and a user's wireless terminal 300 according to an embodiment of the present invention.

6 shows a process of connecting bi-directional local area communication between a chip module 230 of a user-owned cigar jack device 200 and a user's wireless terminal 300. In the technical field of the present invention, It is possible to refer to and / or modify this FIG. 6 to infer various implementations of the bi-directional short distance communications connection process (e.g., omitting some steps or changing the order) , The present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. 6 is a flowchart illustrating a process of connecting a bidirectional short-range wireless communication between a user's cigar jack device 200 and a user's wireless terminal 300. However, the present invention is not limited to the cigar jack device 200, It is evident that the present invention also includes an embodiment in which a bidirectional short-range cable communication is connected between the terminals 300. [

Referring to FIG. 6, the chip module 230 of the cigar jack device 200 during the operation of the cigar jack device 200 through the process shown in FIG. 5 receives the communication identification (ID) of the user wireless terminal 300 Information is stored in a designated storage area of the chip module 230 (600). If the communication identification information of the user wireless terminal 300 is not stored in the chip module 230 of the cigar jack device 200, the chip module 230 of the cigar jack device 200 transmits a user wireless The user's wireless terminal 300 performs a procedure for identifying the terminal 300 (e.g., a pairing procedure) (605), and the user's own cigar jack device 200 (Step 605). &Lt; / RTI >

If the wireless terminal 300 of the user to connect the bidirectional local area communication is identified, the chip module 230 of the cigar jack device 200 acquires the communication identification information of the identified user wireless terminal 300, And the chip module 230 of the cigar jack device 200 stores the user identification information of the user wireless terminal 300 in the storage area using the communication identification information of the user wireless terminal 300 stored in the storage area, Communication can be connected. The program 325 of the wireless terminal 300 also identifies the chip module 230 of the cigar jack device 200 and acquires the communication identification information of the chip module 230 of the cigar jack device 200 (615).

When the communication identification information of the user wireless terminal 300 is stored in the chip module 230 of the cigar jack device 200, the chip module 230 of the cigar jack device 200 uses the communication identification information Directional short distance communication with an existing user's wireless terminal 300 in step 620 and correspondingly the program 325 of the user wireless terminal 300 is also connected to the chip module 230 of the user owned cigarette jack device 200. [ Directional short distance communication with the chip module 230 of the cigar jack device 200 using the communication identification information for the cigar jack device 200 (620).

Meanwhile, when the bi-directional short distance communication with the chip module 230 of the cigar jack device 200 is connected, the program 325 of the wireless terminal 300 transmits the unidirectional wireless signal of the chip module 230 of the cigar jack device 200 (625) whether to perform a procedure for setting a unique code for the user. If the unique code for transmitting the uni-directional radio signal is set to the chip module 230 of the cigar jack device 200, the program 325 of the wireless terminal 300 transmits the first to fifth unidirectional radio signal transmission Directional short distance communication to the chip module 230 of the cigar jack device 200 so as to conform to at least one embodiment of the present invention ).

7 is a diagram illustrating a process of registering a unique code transmitted from a chip module 230 of a user-owned cigar jack device 200 through a unidirectional wireless signal according to an embodiment of the present invention.

7 is a block diagram illustrating a unique code transmitted from a chip module 230 of a user's own cigar jack device 200 via a unidirectional radio signal and a unique code transmitted from a user's own wireless terminal 300 The program 325 of the terminal 300), and registers the unique information. The present invention is not limited to the above-described embodiments, The present invention may be embodied in various ways of practicing the inherent code registration process (for example, omitting some steps or changing the order) The technical features thereof are not limited only by the implementation method shown in FIG.

Referring to FIG. 7, the program 325 of the user-possessed wireless terminal 300 transmits unique information (e.g., a telephone number, a telephone number, and the like) unique to the user-owned wireless terminal 300 possessing the cigar jack device 200, (E.g., an application identification value, a device token, a push token, a UUID, a UDID, and the like) that uniquely identifies the program 325 installed in the wireless terminal 300 owned by the user, The operation server 400 requests registration to the designated operation server 400 and the operation server 400 transmits the program of the user terminal 300 owned by the cigar jack device 200 325), and stores the unique information in a designated storage medium (705).

The program 325 of the wireless terminal 300 may be transmitted to the chip module 230 of the cigar jack device 200 through bidirectional local communication connected to the chip module 230 of the user- A unique code transmitted from the chip module 230 of the user-owned cigarette jack device 200 through the unidirectional wireless signal at step 710 and / (710) and confirms the unique code of the user-owned cigar jack device (200) input by the user through the wireless terminal (710).

The program 325 of the wireless terminal 300 transmits the unique code to the cigar jack device 200 through the unidirectional radio signal from the chip module 230 of the cigar jack device 200. [ The operation server 400 requests registration of the unique code of the unidirectional wireless signal transmitted from the chip module 230 of the wireless terminal 300 from the program 325 of the wireless terminal 300 The unique code transmitted from the chip module 230 through the unidirectional wireless signal is received and the unique code of the user owned wireless terminal 300 (or the program 325 of the wireless terminal 300) is mapped with the unique code And stored in a designated storage medium (720). Meanwhile, when the chip module 230 of the cigar jack device 200 further transmits an authentication code through a unidirectional wireless signal, the operation server 400 can set an authentication rule for authenticating the validity of the authentication code. Meanwhile, the program 325 of the wireless terminal 300 may request the registration of the user's payment means information to the operation server 400 according to an embodiment of the present invention. You can register and store it on secure media.

The program 325 of the wireless terminal 300 may transmit the unidirectional wireless signal transmitted from the chip module 230 of the user owned cigar jack device 200 in cooperation with the operation server 400 The program 325 of the wireless terminal 300 may receive from the operating server 400 the chip module 230 of the cigar jack device 200 at least once (or periodically) The payment apparatus 100 recognizing the unidirectional radio signal transmitted from the unidirectional wireless signal can perform the procedure for payment requested for payment.

Meanwhile, the program 325 of the wireless terminal 300 checks (730) the unique code registered through the operation server 400 and transmits the unique code to the wireless terminal 300 (or the program 325 of the wireless terminal 300) (Step 735). If the registered unique code is confirmed, the program 325 of the wireless terminal 300 transmits the unique code of the user owned by the user through the process shown in FIG. 6 (740) a unique code actually transmitted from the chip module 230 of the cigar jack device 200 through the unidirectional wireless signal through bidirectional local communication connected to the chip module 230 of the cigar jack device 200, and / The user's own cigar jack device 200 recognizes the unidirectional radio signal actually transmitted from the chip module 230 of the cigar jack device 200 owned by the user through the process shown in FIG. 5 to check the unique code 740, Directional radio signal actually transmitted from the chip module 230 of the < RTI ID = 0.0 > To ensure that the specific code matches the unique registration code via the operation server 400 (745). If the unique code of the unidirectional radio signal actually transmitted from the chip module 230 of the cigar jack device 200 is matched with the registered unique code, the program 325 of the wireless terminal 300 transmits the program 400 can recognize the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 to perform settlement for payment requested by the payment device 100. [

FIG. 8 is a diagram illustrating a payment request process using a unidirectional wireless signal transmitted from the chip module 230 of the user-owned cigar jack device 200 according to an embodiment of the present invention.

8 illustrates a case where the payment device 100 receiving the unidirectional wireless signal transmitted from the chip module 230 of the user owned cigar jack device 200 receives a payment request including a unique code recognized through the unidirectional wireless signal Upon receipt of the information, the operation server 400 receives the payment request information and confirms the payment information including the payment amount to be paid to the user who owns the cigar jack device 200 corresponding to the unique code Those skilled in the art will be able to refer to and / or modify the FIG. 8 to find out various methods of the payment request process (for example, a method in which some steps are omitted, However, the present invention is not limited to the above-described embodiments, but can be applied only to the technical method shown in FIG. 8 Gong is not limited.

Referring to FIG. 8, the payment apparatus 100 receives (800) a unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 approaching within an effective range through the process shown in FIG. 5, Directional radio signal and confirms the unique code of the unidirectional radio signal transmitted from the chip module 230 of the cigar jack device 200 accessed within the effective range in step 805. In step 805, (805). &Lt; / RTI >

The payment device 100 recognizing the unique code and / or the authentication code of the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200 accessed within the valid range is the first to fifth payment requests A payment request including a unique code and / or an authentication code recognized through a unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200 approaching within an effective range using at least one embodiment of the information embodiment (810), and transmits the settlement request information to the operation server 400 (815).

The operation server 400 receives at least one of the first to fifth payment request information embodiments of the present invention from the payment apparatus 100 that has recognized the unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200 The payment request information configured through the embodiment of FIG. The operation server 400 confirms the unique code included in the payment request information and extracts unique information mapped to the unique code using the mapping relationship between the unique code and the unique information registered through the process shown in FIG. (825) the program 325 of the user-owned wireless terminal 300 corresponding to the program 325 of the user.

9 is a flowchart illustrating a payment confirmation process using an authentication code generated by a chip module 230 of a cigar jack device 200 by a user-possessed wireless terminal 300 according to an embodiment of the present invention.

9 shows an example of a case where the operation server 400 requests the authentication code generated by the chip module 230 of the cigar jack device 200 to the program 325 of the user- And receives the payment confirmation information including the authentication code generated by the chip module 230 from the program 325 of the chip module 230. As a person skilled in the art, 9 may be referenced and / or modified to infer various implementations of the settlement verification process (e.g., some of the steps may be omitted or the sequence of changes may be made), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

9, the operation server 400 generates a program 325 of the user-owned wireless terminal 300, which is confirmed through the process shown in FIG. 8, in the chip module 230 of the cigar jack device 200 The program 325 of the wireless terminal 300 transmits the request information requesting the one authentication code from the operation server 400 to the authentication module 300 of the cigar jack device 200 The request information requesting the code is received (905).

The program 325 of the wireless terminal 300 determines whether to perform the procedure of acquiring the authentication code from the chip module 230 of the cigar jack device 200 in operation 910. The program 325 of the wireless terminal 300 may transmit the authentication code to the chip module 230 of the cigar jack device 200 through the bidirectional local communication through the process shown in FIG. Directional short-range communication, the chip module 230 of the cigar jack device 200 transmits code request information for requesting an authentication code through the bidirectional local area communication to the chip module 230 through the bidirectional short- And receives code request information for requesting an authentication code from the terminal 300 through the bidirectional local area communication (920).

The chip module 230 of the cigar jack device 200 generates (or confirms) an authentication code to be provided to the user's wireless terminal 300 (925) and transmits the authentication code to the user's wireless terminal 300 (930) the generated (or confirmed) authentication code.

The program 325 of the wireless terminal 300 acquires the authentication code generated by the chip module 230 of the cigar jack device 200 through the bidirectional local area communication and transmits the authentication code to the chip of the cigar jack device 200 (940) and transmits the payment confirmation information including the authentication code generated by the module 230 to the operation server 400 (945). The operation server 400 receives the payment confirmation information including the authentication code generated by the chip module 230 of the cigar jack device 200 from the program 325 of the wireless terminal 300 in operation 950.

FIG. 10 is a diagram illustrating a payment confirmation process using an authentication code generated by a chip module 230 of a cigar jack device 200 by a user-owned wireless terminal 300 according to another embodiment of the present invention.

In more detail, FIG. 10 shows payment information including a payment amount at the operation server 400 and transmits the payment information to the program 325 of the user-possessed wireless terminal 300 and then transmits the program 325 of the wireless terminal 300, And receives the payment confirmation information including the authentication code generated by the chip module 230 from the service provider 200. It will be apparent to those skilled in the art that the present invention can be implemented by referring to the drawings and / It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the present invention as defined by the appended claims and their equivalents. The technical features thereof are not limited by the implementation method shown in FIG.

Referring to FIG. 10, the operation server 400 receives the payment request information included in the payment request information according to at least one embodiment of the first to fifth payment request information embodiments of the present invention, (1000) the payment amount to be requested to the user who owns the cigar jack device 200 corresponding to the unique code.

If the settlement amount is confirmed or calculated, the operation server 400 includes the settlement amount, and further includes a unique code included in the settlement request information according to the method of operation and / (Step 1005). In step 1005, the payment information including the merchant information corresponding to the off-line base including the merchant information is checked. The operation server 400 transmits the payment information to the program 325 of the user-possessed wireless terminal 300 confirmed through the process shown in FIG. 8 (1010), and the program 325 of the wireless terminal 300 Receives the payment information from the operation server 400 and outputs the payment information (1015).

The program 325 of the wireless terminal 300 determines whether to perform the procedure of obtaining the authentication code from the chip module 230 of the cigar jack device 200 in operation 1020. The program 325 of the wireless terminal 300 may transmit the authentication code to the chip module 230 of the cigar jack device 200 through the bidirectional local communication through the process shown in FIG. Directional short-range communication, the chip module 230 of the cigar jack device 200 transmits the code request information requesting the authentication code through the bidirectional local area communication to the chip module 230 through the process shown in FIG. And receives code request information for requesting an authentication code from the terminal 300 through the bidirectional local area communication (1030).

The chip module 230 of the cigar jack device 200 generates (or confirms) an authentication code to be provided to the user's wireless terminal 300 (1035) and transmits the authentication code to the user's wireless terminal 300 (1040) with the generated (or confirmed) authentication code.

The program 325 of the wireless terminal 300 acquires the authentication code generated by the chip module 230 of the cigar jack device 200 through the bidirectional local area communication and transmits the authentication code to the chip of the cigar jack device 200 (1050) and transmits the payment confirmation information including the authentication code generated by the module 230 to the operation server 400 (1055). The operation server 400 receives payment confirmation information including the authentication code generated by the chip module 230 of the cigar jack device 200 from the program 325 of the wireless terminal 300 in operation 1060.

11 is a diagram illustrating a connection between a unidirectional wireless signal transmitted from the chip module 230 of the cigar jack device 200 owned by the user and a chip module 230 of the cigar jack device 200, And a bi-directional short distance communication.

FIG. 11 is a detailed block diagram of the payment device 100 receiving the unidirectional radio signal transmitted from the chip module 230 of the user-owned cigar jack device 200 through the process shown in FIG. 5, The payment request information transmitted to the operation server 400 is received through the process of FIG. 9 or FIG. 10, and the program 325 of the user-possessed wireless terminal 300 is transmitted through the bidirectional local communication to the user- When the payment server 100 receives the payment confirmation information including the authentication code acquired from the chip module 230 of the payment server 200, the operation server 400 authenticates the validity of the authentication code, If the person skilled in the art is familiar with the present invention, it is possible to refer to and / or modify the FIG. 11 to provide a variety of payment processing procedures It is to be understood that the present invention is not limited to the embodiments shown and described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Technical features are not limited.

Referring to FIG. 11, the operation server 400 checks the authentication code included in the payment confirmation information received from the program 325 of the user-possessed wireless terminal 300 through the process of FIG. 9 or FIG. 10, The authentication code generated by the chip module 230 of the cigar jack device 200 that performs bi-directional short distance communication with the user-possessed wireless terminal 300 through at least one of the first through fourth authentication codes according to the present invention A validation authentication procedure is performed (1100).

If the validity of the authentication code is not authenticated, the operation server 400 generates a settlement result corresponding to a settlement error (1105), and transmits a settlement result corresponding to the settlement error to the program (Step 1120), and the program 325 of the wireless terminal 300 receives and outputs the payment result (step 1125). Meanwhile, the operation server 400 provides the settlement result corresponding to the settlement error to the settlement apparatus 100 (1120), and the settlement apparatus 100 receives the settlement result and transmits the settlement result to the cigar jack apparatus 200 (1130) as a payment result of a payment request for a unidirectional wireless signal transmitted from the chip module (230).

Meanwhile, when the validity of the authentication code is authenticated, the operation server 400 processes the payment requested from the payment apparatus 100 through the process of FIG. 8 using the payment means information of the user registered and registered in the designated security medium A payment procedure may be performed 1110a. Alternatively, the operation server 400 may perform a payment procedure for processing a payment requested from the payment apparatus 100 through the process of FIG. 8 in cooperation with the program 325 of the wireless terminal 300 (1110b ), The wireless terminal 300 can perform a payment procedure for processing the payment using the designated payment method and payment means (1110c).

If the settlement process for the payment procedure is completed, the operation server 400 confirms the settlement result for the settlement process (1115) and transmits the settlement result corresponding to the settlement process to the mobile terminal 300 The program 325 of the wireless terminal 300 receives the payment result and outputs the payment result to the program 325 of the wireless terminal 300 in operation 1125. Meanwhile, the operation server 400 provides the settlement result corresponding to the settlement process to the settlement apparatus 100 (1120), and the settlement apparatus 100 receives the settlement result and transmits the settlement result to the cigar jack apparatus 200 (1130) as a payment result of a payment request for a unidirectional wireless signal transmitted from the chip module (230).

100: Payment device 200: Cigar jack device
230: Chip module 255: Communication identification part
260: communication connection unit 265: communication processing unit
270: code verification unit 275: code generation unit
280: signal transmitting unit 285:
290: code transmission unit 300: wireless terminal
325: Program 330: Chip module identification part
335: Chip module connection part 340: Chip module communication part
345: Chip module management unit 350:
355: signal analysis unit 360: registration request unit
365: registration confirmation unit 370: information receiving unit
375: Payment information authentication unit 380: Authentication code acquisition unit
385: Payment confirmation processing unit 390: Payment processing unit
400: Operation server 405: Registration processor
410: authentication rule setting unit 415: payment request receiving unit
420: terminal side confirmation unit 425: payment information confirmation unit
430: payment confirmation requesting unit 435: payment confirmation receiver
440: Authentication code authentication unit 445: Payment procedure processor

Claims

In a method executed by a server,
A unique code transmitted through the unidirectional radio signal from a user's own cigar jack device equipped with a chip module having a function of transmitting a unidirectional radio signal and a bidirectional local communication function and a user's own wireless terminal Program), and storing the unique information;
A second step of receiving payment request information including a unique code recognized through the unidirectional radio signal from a settlement device which receives a unidirectional radio signal transmitted from a chip module of the user owned cigar jack device;
(Or a program of the wireless terminal) corresponding to the unique information mapped to the unique code, the payment confirmation information including the authentication code generated in the chip module of the cigar jack device and provided to the wireless terminal through the bi- A third step of receiving; And
And processing the requested payment procedure to be performed through the payment request information when the validity of the authentication code included in the payment confirmation information is authenticated.

The method of claim 1, wherein the user-
Wherein the two-way local communication with the chip module of the cigar jack device owned by the user is performed in two-way local communication.

3. The method according to claim 1 or 2,
Wherein the bi-directional short-range communication includes pairing-based Bluetooth communication,
Wherein the unidirectional radio signal comprises a Bluetooth-based beacon signal.

3. The method according to claim 1 or 2,
The bidirectional local area communication includes USB (Universal Serial Bus) communication based on cable connection,
Wherein the unidirectional radio signal comprises a Bluetooth-based beacon signal.

2. The method of claim 1,
A code unique to the chip module of the cigar jack device,
And a unique code provided by a user-owned wireless terminal that performs bi-directional short distance communication with the chip module of the cigar jack device.

The method according to claim 1,
When the payment request information is received,
A second step of confirming payment information including a payment amount to be paid to a user who owns a cigar jack device corresponding to the unique code; And
And a second step of processing the payment information to be provided to the user's wireless terminal using the unique information mapped to the unique code,
Wherein the third step is to receive the payment confirmation information including the authentication code from the wireless terminal provided with the payment information.

7. The method according to claim 6,
Wherein the user terminal is used for a payment procedure through a program of the user-owned wireless terminal.

The method according to claim 6,
Wherein the payment request information includes a payment amount determined by the payment apparatus,
Wherein the step (2-1) comprises checking payment information including a payment amount included in the payment request information.

The method according to claim 6,
The settlement request information includes a cost calculation parameter required to calculate a settlement amount,
Wherein the second step includes calculating a settlement amount using the amount calculation parameter included in the settlement request information and confirming the settlement information including the calculated amount of settlement, Way.

The method according to claim 1,
The first step further comprises storing authentication information for authenticating an authentication code to be generated in a chip module of the cigar jack device,
Wherein the third step further comprises processing the validity of the authentication code included in the payment confirmation information to be authenticated using the authentication information.

The method according to claim 1,
Wherein the unidirectional radio signal further comprises an authentication code generated by a chip module of the cigar jack device together with the unique code,
Wherein the second step includes receiving payment request information including the unique code and the authentication code from the payment apparatus,
Wherein the third step further comprises processing the validity of the authentication code included in the payment confirmation information to be authenticated using the authentication code of the payment request information, .

12. The method of claim 1, 10 or 11,
A disposable code generated by dynamically generating at least one of information provided in a chip module of the cigar jack device, information dynamically determined in the chip module, and information provided from a program of a user-owned wireless terminal through bi-
A cipher code for encrypting at least one of information provided in the chip module of the cigar jack device, information dynamically determined in the chip module, and information provided from a program of the user-owned wireless terminal through bidirectional local communication, ,
The information provided in the chip module, the information dynamically determined in the chip module, and the information provided from the program of the user-owned wireless terminal through bidirectional local area communication, using the certificate provided in the chip module of the cigar jack device, And a signing code of at least one of the signature codes.

The method according to claim 1,
A fifth step of confirming a settlement result for the settlement procedure; And
And providing the settlement result to the payment device or the program of the user-possessed wireless terminal.