KR20170050591A - System for processing offline substitute payment, method of processing offline substitute payment based on recommendation of substitute payer and apparatus for the same - Google Patents

Abstract

Disclosed are a system for processing offline substitute payment, a method of processing offline substitute payment based on the recommendation of a substitute payer, and a device using the same. The method of processing offline substitute payment comprises: a step of receiving a substitute payment request for an offline purchase in a store from a mobile terminal checked in the store; a step of recommending one optimal substitute payer of a plurality of substitute payers based on estimated purchase information corresponding to a user; and a step of performing substitute payment based on payment points of the optimal substitute payer in consideration of a pre-approval condition of the optimal substitute payer and payment information corresponding to the offline purchase. Therefore, it may be possible to perform substitute payment by the substitute payer who is the most suitable for the offline purchase of the user.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an offline proxy payment processing system and an offline proxy payment processing method based on a proxy payer recommendation method and an apparatus using the offline proxy payment processing method and an apparatus using the offline proxy payment processing method.

The present invention relates to an offline proxy payment processing technique based on a proxy payer recommendation, and more particularly, to an offline proxy payment processing system capable of recommending an optimal proxy payer among a plurality of proxy payer for a user, An offline proxy payment processing method, and a device using the offline proxy payment processing method.

As mobile terminals become more popular, the need for payment using mobile terminals continues to increase, both online and offline. Such an important theme in mobile terminal based payment is security and convenience such as user authentication. That is, when performing a payment, an abnormal payment should be efficiently detected while requiring a minimum procedure or operation to the user, thereby preventing illegal settlement from occurring.

Conventionally, there is a technique for convenience, such as, after a user performs payment through a mobile terminal in advance before arriving at a store, and then, when a user arrives at a store, receiving a product that has been paid in advance. However, such a technique is that a user selects goods through a mobile terminal before making a visit to a store and makes a payment, and the user decides the goods to be purchased by visiting the store directly, There is a difference between the technology and the technology.

Also, it is difficult to find a security technique that blocks the possibility of illegal settlement by checking whether the buyer who receives the goods and the payer who performs the settlement confirms the agreement even in a simple settlement process.

On the other hand, there may be cases where the person who purchases the goods in the offline store is different from the payer who actually pays the amount of the goods, such as when a minor uses a parent's credit card or a corporation's corporate card. In such a case, since the payer does not directly purchase goods at the store, it may be difficult to perform face-to-face authentication with the payer at the store POS.

Therefore, in order to solve the above problem, in the present invention, when a user who directly purchases a product at a store requests a proxy settlement, an optimum proxy payer is recommended to the user, and the user authentication and the pre- We propose a new offline proxy billing technology that can perform proxy billing based on the settlement point.

Korean Patent Laid-Open No. 10-2014-0106012, published on September 3, 2014 (name: bill payment system and method in mobile shopping)

It is an object of the present invention to make it possible for a user and a proxy payer to benefit as much as possible by recommending the most suitable proxy payer in a store visited by the user.

It is another object of the present invention to allow a user to make an offline settlement without a face-to-face authentication for a proxy payer at a POS by charging a proxy settlement for a user's offline settlement by charging a settlement point.

It is also an object of the present invention to provide a mobile terminal that provides higher security in the case of payment using a mobile terminal based on two-channel authentication for performing user authentication through a mobile terminal and additional mobile terminal authentication at a POS.

It is also an object of the present invention to prevent the risk of security that may occur during the purchase process after user authentication is completed by performing additional authentication for user authentication for offline purchase.

According to another aspect of the present invention, there is provided an offline proxy processing apparatus comprising: a reception unit for receiving a proxy payment request for offline purchase from a mobile terminal checked in a store; A proxy solicitor recommendation unit for recommending any one of the plurality of proxy solvers based on the estimated purchase information corresponding to the user; And an execution unit for performing proxy settlement based on the settlement point of the optimal settlement payer in consideration of the pre-approval conditions of the optimal settlement payer and the settlement information corresponding to the offline purchase.

At this time, the proxy payer recommendation unit compares the pre-approval condition of each of the plurality of proxy solvers with the expected purchase information, extracts a candidate group expected to be capable of the proxy settlement among the plurality of proxy solvers, It is possible to recommend any one of the optimal substitute payer based on the recommendation priority in the candidate group.

In this case, the recommendation priority may be such that the user profit corresponding to at least one of the prize and the gift item corresponds to the first rank, the proxy payer profit corresponding to at least one of the discount, coupon, The relationship between the user and the proxy payer corresponding to at least one of the number of calls, the number of proxy settlements, and the current distance may correspond to the third rank.

At this time, when the settlement point is smaller than the purchase amount corresponding to the off-line purchase, the execution unit may additionally purchase the settlement point to the settlement unit of the optimum substitute settlement unit.

A first authentication unit for authenticating the user before receiving the proxy payment request; And a secondary authentication unit for providing authentication information for further authentication of the user corresponding to the offline purchase to the POS corresponding to the store after receiving the proxy payment request.

At this time, the executing unit may store at least one of the period in which the proxy settlement is possible, the amount of the commodity corresponding to the offline purchase, the type of the commodity, the type of the store, the daily settlement limit, the one- The prepaid approval condition and the payment information are compared with each other, and when the payment information satisfies the pre-approval condition, the proxy payment can be performed.

At this time, the estimated purchase information may include at least one of the at least one expected purchase product that the user is expected to purchase at the store, and the estimated payment amount that the user is expected to use at the store.

At this time, the proxy soliciting unit recommendation unit may determine the purchase pattern of the user in the group of the merchant stores corresponding to the store, the purchase pattern of the same user group as the user in the merchant group, the benefit information provided in the store, An expected product estimating unit that estimates the at least one expected purchase product considering at least one of utilization rates of the at least one product; And an estimated amount of money for estimating the estimated amount of money to be paid in consideration of at least one of the purchase pattern of the user, the purchase amount information of one user in the store, and the one time purchase amount information of the same user group to the member store group And an estimation unit.

Also, the mobile terminal according to the present invention includes a check-in information collection unit for obtaining check-in information corresponding to a store in which a user enters the store; A user authentication unit for inputting user authentication information and performing authentication for the user; A proxy settlement request unit for requesting a proxy settlement to the server based on a result of the user authentication; And a payment performing unit for performing additional authentication for further authenticating the user corresponding to offline purchase corresponding to the store, and receiving a result corresponding to the proxy settlement.

Further, an offline proxy payment processing method according to the present invention includes: receiving a proxy payment request for offline purchase in the store from a mobile terminal checked in a store; Recommending an optimal substitute payer of a plurality of substitute payer's on the basis of the estimated purchase information corresponding to the user; And performing proxy settlement based on the settlement point of the optimal settlement payer in consideration of the pre-approval conditions of the optimal settlement payer and the settlement information corresponding to the offline purchase.

In this case, in the recommending step, the step of comparing the pre-approval condition of each of the plurality of proxy solvers with the expected purchase information and extracting a candidate group expected to be capable of the proxy settlement among the plurality of proxy solvers And recommends any one of the optimal substitute payers based on the recommendation priority in the candidate group.

In this case, the recommendation priority may be such that the user profit corresponding to at least one of the prize and the gift item corresponds to the first rank, the proxy payer profit corresponding to at least one of the discount, coupon, The relationship between the user and the proxy payer corresponding to at least one of the number of calls, the number of proxy settlements, and the current distance may correspond to the third rank.

At this time, in the step of performing proxy settlement, when the settlement point is smaller than the purchase amount corresponding to the offline purchase, the settlement point can be additionally purchased to the settlement means of the optimum substitute settlement person.

Authenticating the user before receiving the proxy payment request; And providing authentication information for further authentication of the user corresponding to the offline purchase to the POS corresponding to the store after receiving the proxy payment request.

At this time, the step of performing the proxy settlement includes a period during which the proxy settlement is possible, an amount of the commodity corresponding to the offline purchase, a type of the commodity, a type of the store, a daily settlement limit amount, And the billing information, and may perform the proxy settlement if the payment information satisfies the pre-approval condition.

At this time, the estimated purchase information may include at least one of the at least one expected purchase product that the user is expected to purchase at the store, and the estimated payment amount that the user is expected to use at the store.

In this case, the recommendation step may include: a purchase pattern of the user in the member store group corresponding to the store; a purchase pattern of the same user group as the user in the member store group; a benefit information provided in the store; Estimating at least one product to be purchased considering at least one of the plurality of products; And estimating the estimated amount of payment by considering at least one of the purchase pattern of the user, the purchase amount information of one user in the store, and the one time purchase amount information of the same user group to the merchant group can do.

As another means for solving the problem of the present invention, there is provided a computer program stored in a medium for executing the above-described method.

According to the present invention, by recommending the most suitable substitute payer in the store visited by the user, the user and the substitute payer can obtain a great profit as much as possible.

In addition, the present invention enables a user to make an offline settlement without a face-to-face authentication for a proxy payer at a POS by charging a proxy settlement for a user's offline settlement by charging a settlement point.

Further, the present invention can provide a higher level of security in the case of payment using a mobile terminal in an offline store based on two-channel authentication for performing user authentication through a mobile terminal and additional mobile terminal authentication at a POS.

Further, the present invention can prevent the risk of security that may occur in the purchase process after user authentication is completed by performing additional authentication for user authentication for offline purchase.

1 is a block diagram showing an offline payment system using an application pay.
2 is a block diagram illustrating an offline proxy payment system according to an embodiment of the present invention.
3 is a block diagram showing an offline proxy processing apparatus according to an embodiment of the present invention.
4 is a detailed block diagram of the proxy payer recommendation unit shown in FIG.
5 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.
6 to 12 are diagrams showing a proxy settlement proceeding screen in the offline proxy settlement processing method according to an embodiment of the present invention.
13 to 14 are views showing a proxy payment card and a pre-approval target registration screen of a proxy payer according to an embodiment of the present invention.
FIG. 15 is an operation flowchart showing an offline proxy payment processing method according to an embodiment of the present invention in the offline proxy payment processing apparatus side. FIG.
16 is a flowchart illustrating an offline proxy payment processing method according to an embodiment of the present invention in detail.
FIG. 17 is a flowchart illustrating an offline proxy payment processing method according to an exemplary embodiment of the present invention.
FIG. 18 is a detailed view illustrating a process of improving the primary authentication level in the offline proxy payment processing method shown in FIG. 16. FIG.
FIG. 19 is a detailed view illustrating a process for improving the secondary authentication level in the offline proxy payment processing method shown in FIG. 16. FIG.
20 is a diagram illustrating an offline proxy settlement process according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the accompanying drawings, detailed description of well-known functions or constructions that may obscure the subject matter of the present invention will be omitted. It should be noted that the same constituent elements are denoted by the same reference numerals as possible throughout the drawings. Embodiments of the present invention are provided to more fully describe the present invention to those skilled in the art. Accordingly, the shapes and sizes of the elements in the drawings and the like can be exaggerated for clarity.

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

1 is a block diagram showing an offline payment system using an application pay.

Referring to FIG. 1, a payment system using an application payload includes an application server 110, a terminal 120, a POS device 130, a BLE server 140, and a BLE device 150.

At this time, the off-line proxy payment processing system according to an embodiment of the present invention may correspond to a system in which a flow for proxy payment is added in the payment system using the application payout shown in FIG. That is, in the case of a proxy payer who actually performs settlement, a proxy settlement can be performed by adding a flow for setting a pre-approval target for proxy settlement and setting a pre-approval condition in a payment system using an application pay as shown in Fig. have. Also, in the case of a purchaser who purchases an object, a proxy settlement can be requested to a payment system using an application pay as shown in FIG. 1, and an agency settlement can be performed through an authentication process corresponding to a buyer.

Therefore, in order to describe the offline proxy payment processing system according to an embodiment of the present invention, a payment system using the application payout shown in FIG. 1 may be referred to

The application server 110 may be a server that provides an application 111 for performing settlement together with information related to settlement to a user terminal 120 and proceeds with settlement related procedures. At this time, the application server 110 can transmit and receive data through the network.

At this time, the application server 110 may be an off-line proxy processing apparatus according to an embodiment of the present invention. In addition, the application server 110 may include an offline proxy processing apparatus according to an embodiment of the present invention.

In this case, the network provides a path for transferring data between the application server 110 and the terminal 120, and is a concept including both existing networks and future developable networks. For example, the network may be a wired or wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between mobile objects and mobile objects outside the mobile object, A satellite communication network, a wired / wireless communication network, or a combination of two or more. Meanwhile, the network transmission standard is not limited to the existing transmission standard but may include all transmission standard to be developed in the future. 1, the network used between the application server 110 and the terminal 120 is different from the network used between the application server 120, the POS device 130, the BLE server 140 and the terminal 120 Or it may be the same.

The terminal 120 receives information corresponding to goods settlement from the application server 110 using an application and provides the information to the user.

The terminal 120 is connected to a communication network and is capable of executing applications. The terminal 120 may be a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, A mobile terminal having various mobile communication specifications such as a notebook computer, a notebook computer, a netbook, a personal digital assistant (PDA), and an information communication device.

In addition, the terminal 120 may receive various information such as numeric and character information, and may transmit various signals to the control unit through the input unit in order to set various functions and control the function of the terminal 120. The input unit of the terminal 120 may include at least one of a keypad and a touchpad that generates an input signal according to a user's touch or operation. At this time, the input unit of the terminal 120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 120 to simultaneously perform input and display functions. The input unit of the terminal 120 may be any type of input unit that can be developed in addition to an input unit such as a keyboard, a keypad, a mouse, a joystick, and the like. In particular, the input unit of the terminal 120 according to the present invention may transmit an input signal for selecting a card or performing a settlement to the control unit of the terminal 120 based on the optimal card recommendation system.

In addition, the display unit of the terminal 120 may display information on a series of operation states, operation results, and the like that occur while the terminal 120 is performing its functions. In addition, the display unit of the terminal 120 can display menus of the terminal 120 and user data input by the user. Here, the display unit of the terminal 120 may be a liquid crystal display (LCD), a thin film transistor LCD (TFT-LCD), a light emitting diode (LED), an organic light emitting diode An organic light emitting diode (OLED), an organic light emitting diode (OLED), a retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 120 is configured as a touch screen, the display unit of the terminal 120 may perform some or all of the functions of the input unit of the terminal 120. In particular, the display unit of the terminal 120 according to the present invention may display on the screen information related to the optimal recommendation card and settlement provided on the basis of the optimal card recommendation system.

The storage unit of the terminal 120 is a device for storing data, and may include a main storage device and an auxiliary storage device, and may store an application program required for the functional operation of the terminal 120. [ The storage unit of the terminal 120 may include a program area and a data area. Here, if the terminal 120 activates each function in response to a request from the user, the terminal 120 executes the corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 120 according to the present invention may store an operating system for booting the terminal 120, a program for recommending a card or performing a payment based on an optimal card recommendation system, and the like. Also, the storage unit of the terminal 120 may store information of the content DB and the terminal 120, which store a plurality of contents. At this time, the content DB includes execution data for executing the content and attribute information about the content, and content usage information according to the execution of the content can be stored. The information of the terminal 120 may include terminal specification information.

In addition, the communication unit of the terminal 120 can perform a function of transmitting and receiving data to and from the application server 110 via a network. Here, the communication unit of the terminal 120 may include RF transmitting means for up-converting and amplifying the frequency of the transmitted signal, RF receiving means for low-noise amplifying the received signal and down-converting the frequency. The communication unit of the terminal 120 may include at least one of a wireless communication module and a wired communication module. When the terminal 120 uses wireless communication, the wireless communication module uses any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module to transmit / receive data according to a wireless communication method. Data can be transmitted to and received from the application server 110. The wired communication module is for transmitting / receiving data by wire. The wired communication module can connect to the network through a wired network and transmit / receive data to / from the application server 110. That is, the terminal 120 connects to the network using a wireless communication module or a wired communication module, and can exchange data with the application server 110 through the network. In particular, the network according to the present invention can transmit / receive data necessary for recommending the optimal card based on the optimal card recommendation system by communicating with the terminal 120, the application server 110, the BLE server 140, and the like.

In addition, the control unit of the terminal 120 may be an operating system (OS) and a process unit for driving each configuration. For example, the control unit may control the entire process of accessing the application server 110 When accessing the application server 110 through a separate service application, it is possible to control the entire process of executing the service application according to the request of the user, and at the same time, And control so that the information of the terminal 120 necessary for the user authentication is transmitted at the same time.

In addition, the control unit of the terminal 120 can execute the specific content stored in the storage unit of the terminal 120 according to a user's request. At this time, the control unit can store the content usage history according to the execution of the content as the content usage information.

Also, the user terminal 120 may have an application for the application pay service, and may correspond to the terminal 120 of the user subscribed to the application pay service.

The POS device 130 may correspond to a device capable of performing settlement of goods in the store 160 and capable of performing an application pay service based on communication with the application server 110. [

The BLE server 140 may be a server for locating the terminal 120 and providing information using Bluetooth low energy.

At this time, Bluetooth low-power technology is a short-range wireless communication technology that periodically transmits information of objects based on Bluetooth 4.0 within a predetermined radius range. That is, even if the user of the terminal 120 does not take a separate action, it can automatically grasp the location of the user and provide a signal for a payment service.

At this time, the beacon is a near-field data communication technology using Bluetooth low energy (BLE), and it can be applied to a variety of application services such as object and situation recognition, content push, indoor location, automatic check-in, and geo-fencing . ≪ / RTI > Compared to previous similar technologies, it is more convenient and less costly to provide a catalyst for new service markets. At this time, a beacon may mean all devices that periodically transmit a signal. For example, the BLE device 150 shown in FIG. 1 may correspond to a beacon.

Such a beacon can be divided into a sound-based low frequency beacon, an LED beacon, a Wi-Fi beacon, and a Bluetooth beacon according to a method of transmitting a signal. In addition, the beacon can transmit a periodic signal with a small amount of packets corresponding to approximately 21 bytes, and it does not require any pairing with the receiver, and operates at low power. However, the ID value of the beacon transmitter and the received signal strength It is possible to transmit a signal corresponding to < RTI ID = 0.0 > In addition, since it is cheap and compact, it can be easily attached anywhere, so that it can be used freely anywhere in an offline store.

For example, if a user and a customer who have a beacon installed in a specific location in the store 160 enter a region of the BLE beacon, the terminal 120 may be detected and a signal including information may be transmitted .

The store 160 may correspond to an offline store where settlement is performed, and may correspond to an application pay agent and an application pay service affiliate store where the BLE device 150 is installed.

Hereinafter, a billing system according to an embodiment of the present invention will be described according to a service flow.

First, the user can enter the store 160 with the terminal 120.

At this time, it is possible to detect that the user enters the store 160 by using a beacon which is a BLE-based near field data communication technology.

That is, according to the present invention, the BLE signal transmitted from the BLE device 150, which is a beacon located in the store 160, can be received by the BLE SDK 141 at the terminal 120 in which the Bluetooth is activated. At this time, it is also possible to receive the BLE signal through the installed application 111 based on the BLE SDK 141. Thereafter, when the terminal 120 transmits information included in the BLE signal to the BLE server 140, the BLE server 140 can provide the terminal 120 with information related to the BLE benefit corresponding to the BLE signal .

Thereafter, the terminal 120 can access the application server 110 based on the BLE benefit information received from the BLE server 140 through the application.

At this time, the application server 110 may include at least one module for performing settlement.

For example, the application server 110 may include a membership providing module that can provide membership information based on user information of the terminal 120 and store information corresponding to the store 160. At this time, the membership providing module may include a separate database capable of storing membership information for each user and store information for each store.

In another example, the application server 110 may include an application pay module for performing payment through an application pay page. At this time, the application pay module may include credit card information or bank information for performing payment through the application pay page. For example, when a user pays an application pay via a credit card to purchase goods at the store 160, the application pay payment module and the credit card application can transmit and receive data for real time settlement.

At this time, the application pay module may include an optimal card recommendation device for recommending an optimal card considering a discount, a store benefit, a credit, and the like among credit cards owned by a user based on credit card information. For example, an optimal card according to a discount rate or an accumulation rate can be recommended by combining the benefit information provided when the achievement of the previous month target performance is achieved by the type of the credit card and the benefit information provided through the membership card. In addition, the optimum card recommender may be configured independently of the application pay module.

In another example, the application server 110 may provide benefit information for a coupon or gift card that the user can use in the store 160 together with membership information through the membership providing module, event and marketing information in progress in the store 160 And a store information providing module capable of providing the store information providing module. For example, the store information providing module may inquire the gift server or coupon that the user can use in the store 160 through the application, and provide the gift information to the application server 110 so that the user can use the gift information You can use coupons. In addition, the store information providing module provides the application server 110 with event information and marketing information corresponding to a plurality of stores providing services according to the payment system according to an embodiment of the present invention, And provides information on the event and marketing in progress to the user terminal 120 in step 160.

Thereafter, a user connected to the application server 110 through the terminal 120 can perform pre-authentication in the application pay service for purchasing goods in the store 160. [ For example, the BLE device 150 may receive a purchase related push message and enter a step for pre-authentication with an action such as clicking a purchase button included in the push message. At this time, various methods such as a PIN number input, a picture image gesture, and a touch gesture can be used as pre-authentication for purchase, i.e., primary authentication.

At this time, the off-line proxy processing apparatus included in the application server 110 or equivalent to the application server 110 receives the corresponding primary authentication information of the primary authentication performed by the terminal 120, Can be determined.

Thereafter, the user moves to the POS device 130 with the goods to be purchased at the store 160 and expresses intention to pay through the application pay at the clerk of the store 160, performs second authentication for purchase and payment can do.

At this time, the secondary authentication may be an authentication dependent on the primary authentication, and the secondary authentication may be performed while the primary authentication is valid.

For example, as a secondary authentication method, a user may enter a movement gesture pattern using the terminal 120 in a settlement zone, a method in which a user places a terminal 120 in a zone for settlement near the POS device 130, A method of inputting a touch pattern on a sine pad included in the POS device 130, a method of generating an intersection point on a sine pad, a query response method, and the like.

Also, the secondary authentication can proceed with settlement after confirming the user using the application pay service through the POS device 130 after the clerk of the store 160 has scanned the purchased product.

Thereafter, when the second authentication is completed, the application server 110 can transmit a message to at least one of the user terminal 120 or the POS device 130 to inform whether or not the settlement through the application page has been successfully performed.

With the payment system using the application pay, it is possible for the user to perform the first authentication at the store 160 and perform the simple second authentication to securely and conveniently use the optimal card to settle the product It is possible.

2 is a block diagram illustrating an offline proxy payment system according to an embodiment of the present invention.

2, an offline proxy settlement system according to an exemplary embodiment of the present invention includes a server 210, a terminal 220, and a POS 230.

At this time, the offline proxy settlement processing process can be performed by the user having the terminal 220 first. At this time, the check-in to the terminal 220 can be performed based on beacons installed in the off-line store.

Thereafter, the user is authenticated based on the checked-in terminal 220, and when the authentication is completed, the server 210 can be requested to perform proxy settlement. For example, a proxy settlement request message may be generated and transmitted to the server 210 to request a proxy settlement.

Thereafter, the server 210 may acquire proxy payment information corresponding to the user of the terminal 220 based on the proxy payment request. For example, based on the telephone number of the terminal 220 or the application registration information of the user, the user can be searched for a proxy payer designated as a pre-approval target for proxy payment.

At this time, when the server 210 has a plurality of proxy pays corresponding to the user, the server 210 can recommend any one of the plurality of proxy paysers.

At this time, it is possible to estimate a commodity that the user is likely to purchase or a purchase amount expected to be used by the user in the store visited by the user, and to use it to recommend an optimal substitute payer.

In addition, an optimal substitute payer may be recommended in consideration of the interests of the user among the plurality of substitute payer. At this time, it may be possible to recommend the optimum substitute payer considering the profit of the substitute payer or the relation between the user and the substitute payer.

Thereafter, the server 210 may provide the information of the optimal substitute payer to the POS 230 corresponding to the offline store. Alternatively, if the server 210 transmits the optimal proxy settlement information to the terminal 220, the user may provide the information of the terminal 220 to the POS 230 to provide the information of the optimal proxy settlement provider. For example, when the server 210 transmits payment information via an optimal proxy payer to the terminal 220 in the form of a barcode, and the barcode received from the server 210 by the user of the terminal 220 for purchase at the store POS 230 as shown in FIG.

Thereafter, the server 210 may generate authentication information for further authentication of the user for proxy settlement and transmit the authentication information to at least one of the terminal 220 and the POS 230. That is, the terminal 220 and the POS 230 can perform the proxy authentication after performing the additional authentication for the user using the authentication information transmitted to at least one of the terminal 220 and the POS 230.

Thereafter, if the additional authentication is successful, the POS 230 may provide settlement information to the server 210 and request the proxy settlement by the optimal settlement payer.

At this time, the optimum substitute payer can preliminarily perform conditional preliminary approval for the user corresponding to the proxy settlement. For example, the conditions for the pre-approval may include items such as a period in which the user's proxy settlement is possible, an amount, a type of a product to be purchased, a type of a store, a daily settlement limit amount, a one-time payment limit amount, Can be set.

At this time, the pre-approval condition can be set by different conditions for each user who is allowed to perform the proxy settlement by the optimum substitute payer. For example, for user A, the monthly settlement limit may be set at 100,000 won, that is, at 100,000 points, and for user Be, the monthly settlement limit may be set at 200,000 points. In addition, the user A can be set up to enable proxy settlement only at the bookstore, and the user Be can be set to enable proxy settlement only at a store located in Dogok-dong, Gangnam-gu, Seoul.

Thereafter, when the payment information received from the POS 230 satisfies the pre-approval condition of the optimal proxy payer, the server 210 can perform proxy payment using the payment point of the optimal proxy payer.

At this time, the settlement point may be a means for settlement in performing the proxy settlement. Accordingly, a payment point can be purchased using a cash card or a credit card of an optimal substitute payer registered in the application pay service, and used for proxy payment.

In addition, when the amount requested for proxy settlement exceeds the current settlement point of the optimum substitute payer, the surrogate settlement may be performed by further purchasing a settlement point to the payment means of the optimum substitute payer.

If the amount requested for the proxy settlement exceeds the current settlement point of the optimal proxy payer, the proxy server may recommend the optimal one of the plurality of proxy payer other than the optimal proxy payer .

3 is a block diagram showing an offline proxy processing apparatus according to an embodiment of the present invention.

3, an off-line proxy payment processing apparatus according to an exemplary embodiment of the present invention includes a receiving unit 310, a primary authentication unit 320, a secondary authentication unit 330, a proxy solicitor recommendation unit 340, An execution unit 350, and a storage unit 360. [

The receiving unit 310 transmits and receives information necessary for offline proxy settlement processing to the user's mobile terminal through a communication network such as a network. In particular, the receiving unit 310 according to an embodiment of the present invention may receive information for performing check-in and authentication from the mobile terminal and provide information corresponding to the offline proxy processing to the mobile terminal.

At this time, information for performing an offline proxy settlement process may be received from a POS installed in a separate application server or a store.

In addition, the receiving unit 310 receives a proxy settlement request for offline purchase at the store from the mobile terminal checked in the store.

At this time, the check-in information corresponding to the store entered by the user can be obtained.

At this time, the check-in information can be acquired using a technology such as Bluetooth low energy (BLE) technology, WiFi and GPS. For example, a device such as a BLE beacon may be installed at the entrance of a store, and when the user's mobile terminal enters the area of the BLE beacon, the terminal may be detected and a signal including the store information may be transmitted. At this time, the mobile terminal receiving the signal can acquire the information of the store included in the signal through the application, and transmit the information to the offline proxy processing device as the check-in information.

At this time, if the user can detect that the mobile terminal has visited the store, it can be utilized as a technique for acquiring the check-in information without being restricted to a certain technology.

The primary authentication unit 320 authenticates the user before receiving the proxy settlement request.

At this time, the authentication may correspond to inputting the PIN number to the mobile terminal. That is, authentication may be performed at the user's mobile terminal. For example, if a PIN number is input to perform authentication in a mobile terminal, authentication can be performed by recognizing the PIN number input to the mobile terminal as information for authenticating the user and transmitting the PIN number to the offline proxy processing apparatus.

Also, the authentication may be performed through various methods such as fingerprint recognition, face recognition, and voice recognition, which are available through a mobile terminal.

At this time, the authentication may correspond to the cancel conditional authentication. That is, authentication for a user may correspond to authentication involving a spatial or temporal release condition.

At this time, a timeout period corresponding to the valid time of authentication may be set as one of the revocation conditions of the authentication for the user. That is, if the preset timeout period is exceeded after the authentication is performed, the authentication can be automatically released.

At this time, the timeout period may be set differently depending on the type of the store. For example, in stores such as supermarkets, you can set the timeout to 30 minutes to 1 hour for shopping time. In a restaurant such as a restaurant, a time-out period can be set from 2 hours to 3 hours in accordance with a meal time.

At this time, if the timeout period is exceeded and the authentication is canceled, the settlement through the mobile terminal may not be performed irrespective of whether the additional authentication for the user is valid or not. Accordingly, in order to perform settlement through the mobile terminal after the authentication is canceled, the user may be authenticated again, and further authentication may be performed to process the settlement.

In addition, when the mobile terminal is moved away from the store by a predetermined distance, the user may be deactivated. For example, the location of the mobile terminal may be located using a short-range wireless communication device installed at the entrance of the store and various places inside the store, and the authentication may be released if the mobile terminal is found to be out of the store and distant by a certain distance have.

At this time, the monitoring result for the mobile terminal may be acquired based on the information corresponding to the check-in, and authentication may be performed in accordance with the primary authentication level adjusted according to the monitoring result. In other words, if we find something strange in the monitoring results, we can enhance security according to the situation by improving the primary authentication level for safer authentication.

At this time, the monitoring result may correspond to a situation before performing the authentication for the user.

At this time, if the monitoring result exceeds the preset reference authentication time until the authentication is performed after acquiring the information corresponding to the check-in, at least one of the cases where the number of mobile illegal settlement occurred in the store exceeds the predetermined reference number And may be adjusted to improve the primary authentication level if one corresponds to one. That is, it takes a long time before the user who has the mobile terminal enters the store and performs the authentication before the authentication, or when the store where the user enters is a store where mobile illegal settlement frequently occurs, The primary authentication level for user authentication can be improved.

At this time, the authentication can be performed by adjusting to add the procedure of inputting the PIN number when the primary authentication level is improved. For example, if the first level of authentication is high, the keyboard of the mobile terminal can be changed each time a PIN is input rather than simply inputting a PIN. It is also possible to use a method of inputting a PIN after inputting a color pattern or increasing the length of a PIN by using a dummy number. Also, when the PIN is input, if the earphone or headphone is connected to the audio jack of the mobile terminal to listen to music, the first authentication level is improved, so that the PIN can be inputted through the audio feedback.

At this time, according to the authentication method for the user, the first authentication level may be improved by changing the conditions that can be considered further in authentication. For example, assuming that the authentication method for the user corresponds to fingerprint recognition, it is possible to request fingerprint recognition of another finger as the primary authentication level is improved. In addition, in the case of face recognition, it is also possible to recognize the left or right side of the face in addition to recognizing the front face of the face.

After receiving the proxy settlement request, the second authentication unit 330 provides authentication information for further authentication of the user corresponding to the offline purchase to the POS corresponding to the store. For example, after receiving the proxy settlement request, the user can confirm the goods or services to be purchased at the store and deliver the goods or services to the store POS. At this time, the POS can confirm that the user is the buyer who requested the proxy settlement. Therefore, it is necessary to perform additional authentication to confirm that the buyer who delivered the goods to the POS is the user who performed the user authentication.

At this time, the additional authentication may be lower in authentication level than the authentication performed for the user performed before receiving the proxy payment request. In other words, since it is confirmed whether the user is registered in the service through the authentication through the mobile terminal, if the authentication cancellation condition is satisfied and the authentication is not canceled, even if the proxy settlement is performed using only a lower level of additional authentication, Can be lowered. Therefore, the additional authentication may be authentication in a manner that maximizes the user's convenience even though the authentication level is lower than the authentication level.

At this time, if authentication for the user performed before receiving the proxy payment request is canceled, the authentication information for additional authentication may be invalidated.

Further, the additional authentication may correspond to an authentication dependent on the authentication performed on the user performed prior to receiving the proxy payment request. That is, the authentication information for additional authentication can be provided to the POS of the store based on the authentication using the mobile terminal. For example, the additional authentication may be performed by a user who wants to purchase a product, that is, a photographer or a phone number of the purchaser through the mobile terminal is displayed at the POS, a face of a user who has submitted a product at the POS to purchase the product, And perform additional authentication.

At this time, the authentication information may be generated corresponding to the secondary authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the offline purchase is submitted to the POS. That is, the secondary authentication level can be determined in consideration of the situation after the authentication is performed until the additional authentication is performed.

In this case, when the monitoring result exceeds the preset reference purchase time from the authentication performed before receiving the proxy settlement request until the product is submitted to the POS, after the authentication performed before receiving the proxy settlement request, When the moving distance of the mobile terminal exceeds the preset reference moving distance and when the moving speed of the mobile terminal exceeds the predetermined reference moving speed after the authentication performed before receiving the proxy payment request, The authentication level can be adjusted to be improved.

At this time, the preset reference purchase time may correspond to a time shorter than a timeout time that satisfies the release condition of the authentication performed before receiving the proxy payment request.

At this time, if the secondary authentication level is improved, the authentication information may be generated such that factors to be considered in the additional authentication are increased based on the authentication method corresponding to the additional authentication.

For example, assuming that the authentication method corresponding to the additional authentication is a method of shaking and authenticating the user's mobile terminal according to a predetermined wiggling pattern at the POS, authentication information is generated so as to consider the shaking speed along with the shaking direction of the mobile terminal can do. Further, assuming that the authentication method corresponding to the additional authentication is a method of inputting a predetermined tapping pattern in a sine pad interlocked with the POS, in addition to the region to which the sine pad is touched, the touch length, the touch speed, or the swipe direction and the swipe speed May be generated.

In this case, the authentication method corresponding to the additional authentication includes a method of confirming the question and answer sent to the POS based on the call list or calendar registered in the mobile terminal at the time of authentication performed before receiving the proxy payment request, A method of inputting a preset intersection point pattern, and a method of being located in a payment zone corresponding to a certain range based on POS.

The substitute payer recommendation unit 340 recommends one of the plurality of substitute payer's optimal substitute payer based on the estimated purchase information corresponding to the user.

At this time, all of the plurality of substitute payer may be the substitute payer who registered the user as the prior approval object for the substitute settlement.

At this time, the pre-approval condition of each of the plurality of proxy solvers is compared with the estimated purchase information to extract a candidate group that is expected to be able to perform proxy settlement among a plurality of proxy solvers, and based on the recommendation priority in the candidate group Any one of the optimal substitute payer can be recommended.

That is, only the substitute payer having the pre-approval condition that satisfies the expected purchase information for the user among the plurality of substitute payer can be extracted as the candidate group. For example, the proxy payer A sets the one-time payment limit to the user to 10,000 won, the proxy payer B sets the one-time payment limit to 20,000 won for the user, and the proxy payer C for the user It can be assumed that the settlement limit once is set at 30,000 won. At this time, if the estimated payment amount included in the user's estimated purchase information is 15,000 won, the substitute payer B and the substitute payer C can be extracted as the candidate group. Therefore, one of the substitute payer B and the substitute payer C can be recommended as the optimum substitute payer according to the recommendation priority.

In this case, the recommendation priority may be such that the user profit corresponding to at least one of the prize and the gift item corresponds to the first rank, the proxy payer profit corresponding to at least one of the discount, coupon, The relationship between the user and the proxy payer corresponding to at least one of the number of calls, the number of proxy settlements, and the current distance may correspond to the third rank.

For example, suppose that the candidate groups include proxy payer A, B, and C, and that when the user performs proxy settlement using the card of the proxy payer A in the store checked in, the user is given a prize. At this time, the proxy payer A can be recommended as the optimal proxy payer so that the user profit can be generated according to the recommendation priority.

For example, if the candidate group includes the proxy payer A, B, and C, and the user performs proxy settlement using the card of the proxy payer A and the proxy payer B at the store where the user is checked in, And if the proxy settlement is performed with the card of the proxy payer B, it can be assumed that the money is also discounted. At this time, the proxy payer A and the proxy payer B can be recommended as the optimal proxy payer according to the first ranking condition in the recommendation priority, but the proxy payer B is best represented as the second payer It can be recommended as a payer.

That is, it is recommended that the optimal substitute payer is recommended based on the first priority condition of the recommendation priority order among the candidate groups, but if the ties occur in the first order condition, the optimum substitute payer can be recommended by comparing the tuples with the second order condition .

At this time, the prospective purchase information may include at least one of the at least one prospective purchase item that the user is expected to purchase at the store, and the expected payment amount that the user is expected to use at the store.

At this time, at least one purchase is made in consideration of at least one of the purchase pattern of the user in the group of merchant points corresponding to the store, the purchase pattern of the same user group as the user in the merchant group, the benefit information provided in the store, Estimated goods can be estimated.

For example, a user's purchase pattern can be generated for each group of merchants by using information such as the type of the products purchased by the user, the purchase timing, or the price range of the purchased items in the group of merchants selling the daily necessities.

Another example is to create a user group based on other users corresponding to similar information based on the user's age, sex, occupation, and preference information, generate a purchase pattern of the user group, It can also be used for estimation.

Another example is to acquire the information of the store that the user has entered and acquire the benefit information currently provided at the store, that is, information about the discounted product, the 1 + 1 product or the time-limited product, .

In another example, a user may estimate an expected purchase product by considering how the user benefits from the purchase of the product. In other words, a pattern that considers more favorable benefit information during discount and accumulation or utilizes accumulated points may be considered in estimating the expected purchase product.

At this time, the unnecessary goods item is calculated in consideration of at least one of the information of the most recently purchased goods and the purchase date of the merchant group, and the unnecessary goods item can be excluded when estimating at least one item to be purchased .

For example, if a merchandise is purchased from the same merchant group as the store before the user visits the store, the merchandise may not be likely to be purchased at the store. Therefore, when estimating the expected product to be purchased at the current store, it is possible to recognize and exclude the product previously purchased from the same shop group as an unnecessary product item.

In another example, when there is a product purchased from the same franchise group as the store before the user visits the store, it is estimated as a product to be purchased, considering the purchase timing of the product and the discount of the product You may. In other words, if a user has discounted hair gels at a hair product store visited by a user and the user has purchased the hair gel one month in advance, it may be highly likely to benefit from the visit and purchase the hair gel.

At this time, the estimated amount of payment can be estimated by taking into account at least one of the purchase pattern of the user, the purchase amount information of the one user in the store, and the one time purchase amount information of the same user group to the merchant group.

For example, since the user can obtain the price information of the goods to be purchased by using the purchase pattern of the user that is considered when estimating the goods to be purchased, the estimated amount of payment can be estimated in consideration of the purchase pattern of the user.

As another example, the estimated amount of payment may be estimated using the average information of the amount of money that one user purchases at the store visited by the user.

As another example, it can be determined whether the store visited by the user is an expensive precious metal store or a comparatively low-priced commodity store, and the one-time purchase amount information in the group of affiliated stores can be considered. Also, by determining whether the user is a student, a housewife, or an employee, one-time purchase amount information of the same user group as the user can be considered. In other words, since the consumption tendency of the user may be different from that of the student and the worker, the estimated amount of payment may be estimated by considering the purchase amount information based on the user group.

The performance unit 350 performs proxy settlement based on the settlement point of the optimal substitute payer in consideration of the pre-approval conditions of the optimal substitute payer and the settlement information corresponding to the offline purchase.

At this time, the settlement point may be a kind of goods purchased by another payment means of the optimum substitute payer for proxy settlement. For example, it may correspond to an application payload corresponding to the application pay service.

Accordingly, the optimal substitute purchaser can purchase or charge the settlement point using a cash card or a credit card, and use the same at the proxy settlement of the user.

At this time, when the settlement point is smaller than the purchase amount corresponding to the offline purchase, the settlement point can be additionally purchased by the settlement means of the optimum substitute settlement provider. For example, it can be assumed that the amount of the proxy settlement by the user is 10,000 won, and the settlement point of the proxy is currently 5,000 points. At this time, the user can request the purchase of the settlement point to the optimum settlement payer, and purchase the settlement point with the credit card of the payer.

In addition, when the settlement point is smaller than the purchase amount corresponding to the offline purchase, it is also possible to perform the proxy settlement by recommending another optimal substitute payer from among the plurality of substitute payer other than the optimal substitute payer, based on the settlement information.

At this time, the pre-approval condition is compared with the settlement information, and the proxy settlement can be performed when the settlement information satisfies the pre-approval condition. That is, the optimum substitute payer can perform conditional pre-approval for the user corresponding to the proxy settlement in advance.

At this time, the pre-approval condition is based on at least one of a period in which the proxy settlement is possible, an amount of the commodity corresponding to the offline purchase, a type of the commodity, a type of the store, a daily settlement amount, a once- Lt; / RTI >

At this time, the pre-approval condition may be set corresponding to each of a plurality of users when there are a plurality of users corresponding to the pre-approval object of the optimum proxy payer. For example, for user A, the monthly settlement limit may be set at 100,000 won, that is, at 100,000 points, and for user Be, the monthly settlement limit may be set at 200,000 points. In addition, the user A can be set up to enable proxy settlement only at the bookstore, and the user Be can be set to enable proxy settlement only at a store located in Dogok-dong, Gangnam-gu, Seoul.

Further, as the proxy settlement is completed, the result of the proxy settlement can be transmitted to at least one of the mobile terminal and the POS. For example, when the proxy settlement is successful, the settlement success message including the name of the store corresponding to the proxy settlement, the optimal substitute payer, and the payment amount can be transmitted to the mobile terminal. In addition, in the case that the proxy settlement fails, the settlement failure message including the contents of the settlement failure may be transmitted.

The storage unit 360 stores various information generated in the offline proxy settlement processing service process according to an embodiment of the present invention as described above.

According to the embodiment, the storage unit 360 can be configured independently of the offline proxy payment processing apparatus to support the function for the offline proxy payment processing service. At this time, the storage unit 360 may operate as a separate mass storage and may include control functions for performing operations.

On the other hand, the offline proxy settlement processing apparatus can store information in the apparatus with a memory mounted thereon. In one implementation, the memory is a computer-readable medium. In one implementation, the memory may be a volatile memory unit, and in other embodiments, the memory may be a non-volatile memory unit. In one implementation, the storage device is a computer-readable medium. In various different implementations, the storage device may comprise, for example, a hard disk device, an optical disk device, or any other mass storage device.

By using such offline proxy settlement processing apparatus, it is possible to make the user and the proxy payer gain as much profit as possible by recommending the most suitable proxy payer in the store visited by the user.

In addition, the surrogate payer can settle the offline settlement of the user by charging the settlement point, so that the user can enable offline settlement without face-to-face authentication with the surrogate payer at the POS.

Further, based on the two-channel authentication for performing user authentication through the mobile terminal and additional mobile terminal authentication at the POS, it is possible to provide a higher level of security in the case of payment using the mobile terminal in the offline store.

Further, by performing additional authentication for user authentication for offline purchase, it is possible to prevent the security risk that may occur in the purchase process after user authentication is completed.

4 is a detailed block diagram of the proxy payer recommendation unit shown in FIG.

Referring to FIG. 4, the proxy solicitor recommendation unit 340 shown in FIG. 3 includes a purchase expected product estimating unit 410 and a estimated payment amount estimating unit 420.

The expected purchase product estimating unit 410 calculates at least one of the purchase pattern of the user in the group of merchant stores corresponding to the store, the purchase pattern of the same user group as the user in the merchant group, the benefit information provided in the store, And estimates at least one expected purchase product that the user is expected to purchase at the store.

For example, a user's purchase pattern can be generated for each group of merchants by using information such as the type of the products purchased by the user, the purchase timing, or the price range of the purchased items in the group of merchants selling the daily necessities.

Another example is to create a user group based on other users corresponding to similar information based on the user's age, sex, occupation, and preference information, generate a purchase pattern of the user group, It can also be used for estimation.

Another example is to acquire the information of the store that the user has entered and acquire the benefit information currently provided at the store, that is, information about the discounted product, the 1 + 1 product or the time-limited product, .

In another example, a user may estimate an expected purchase product by considering how the user benefits from the purchase of the product. In other words, a pattern that considers more favorable benefit information during discount and accumulation or utilizes accumulated points may be considered in estimating the expected purchase product.

At this time, the unnecessary goods item is calculated in consideration of at least one of the information of the most recently purchased goods and the purchase date of the merchant group, and the unnecessary goods item can be excluded when estimating at least one item to be purchased .

For example, if a merchandise is purchased from the same merchant group as the store before the user visits the store, the merchandise may not be likely to be purchased at the store. Therefore, when estimating the expected product to be purchased at the current store, it is possible to recognize and exclude the product previously purchased from the same shop group as an unnecessary product item.

In another example, when there is a product purchased from the same franchise group as the store before the user visits the store, it is estimated as a product to be purchased, considering the purchase timing of the product and the discount of the product You may. In other words, if a user has discounted hair gels at a hair product store visited by a user and the user has purchased the hair gel one month in advance, it may be highly likely to benefit from the visit and purchase the hair gel.

The estimated payment amount estimating unit 420 may use at least one of the purchase pattern of the user, the purchase amount information of the one user in the store, and the one-time purchase amount information of the same user group for the merchant group Estimate the expected payment amount.

For example, since the user can obtain the price information of the goods to be purchased by using the purchase pattern of the user that is considered when estimating the goods to be purchased, the estimated amount of payment can be estimated in consideration of the purchase pattern of the user.

As another example, the estimated amount of payment may be estimated using the average information of the amount of money that one user purchases at the store visited by the user.

As another example, it can be determined whether the store visited by the user is an expensive precious metal store or a comparatively low-priced commodity store, and the one-time purchase amount information in the group of affiliated stores can be considered. Also, by determining whether the user is a student, a housewife, or an employee, one-time purchase amount information of the same user group as the user can be considered. In other words, since the consumption tendency of the user may be different from that of the student and the worker, the estimated amount of payment may be estimated by considering the purchase amount information based on the user group.

5 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

5, a mobile terminal according to an embodiment of the present invention includes a check-in information collection unit 510, a user authentication performing unit 520, a proxy settlement request unit 530, and a payment performing unit 540 .

The check-in information collection unit 510 obtains check-in information corresponding to the store in which the user has entered.

At this time, the check-in information can be acquired using a technology such as Bluetooth low energy (BLE) technology, WiFi and GPS. For example, when a user has a mobile terminal and enters a store, the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store. At this time, the beacon signal may include check-in information including information of the store.

The user authentication performing unit 520 inputs user authentication information and performs authentication for the user. For example, when a PIN input screen corresponding to user authentication is received from a server and an offline proxy processing apparatus corresponding to an application installed in the mobile terminal, user authentication can be performed by inputting a PIN using the mobile terminal. Thereafter, the server and the offline proxy processing apparatus can process the user authentication by determining the PIN input through the mobile terminal.

Also, the user authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc., which are possible through the mobile terminal.

The proxy settlement request unit 530 requests the server for proxy settlement based on the result of the user authentication. For example, an optimal substitute payer may be recommended among a plurality of substitute payer who set the user as a pre-approval target in the application pay service, and may perform a proxy settlement request through the optimal substitute payer.

At this time, the proxy settlement request message may be transmitted to the server to request the proxy settlement.

The settlement performing unit 540 performs additional authentication for further authentication of the user corresponding to the offline purchase corresponding to the store, and receives a result corresponding to the proxy settlement. For example, when the proxy settlement is successful, the payment success message including the name of the store corresponding to the proxy settlement, the optimal substitute payer, and the payment amount can be received. Also, in the case that the proxy settlement fails, the settlement failure message may be received, which briefly includes the content of the settlement failure.

At this time, the additional authentication may correspond to the authentication depending on the user authentication.

Also, the user authentication corresponds to the cancel conditional authentication, and when the user authentication is canceled, the authentication information for additional authentication can be invalidated. That is, the user authentication may correspond to an authentication involving a spatial or temporal release condition.

At this time, authentication information for additional authentication can be received from the server.

6 to 12 are diagrams showing a proxy settlement proceeding screen in the offline proxy settlement processing method according to an embodiment of the present invention.

6 to 12, an offline proxy payment processing method according to an embodiment of the present invention is a method in which, when a user who subscribes to an application pay service enters an offline store, And outputs a screen 610 to the user.

At this time, the BLE signal transmitted by the beacon installed in the store is recognized through the application installed in the mobile terminal, and the product benefit screen 610 including discount information and coupon information in the store included in the BLE signal is exposed to the mobile terminal . That is, the mobile terminal can acquire the discount information and the coupon information by acquiring the check-in information corresponding to the store through the beacon of the store. Also, the mobile terminal can provide the check-in information to the offline proxy processing apparatus through the application.

At this time, when the mobile terminal is locked, the merchandise benefit screen 610 can display discount information coupon information together with a button for making a payment on the lock screen 612 of the mobile terminal.

In addition, the product benefit screen 610 may output discount information and coupon information together with a button for payment in the BLE Noti 611 of the mobile terminal.

At this time, if the user selects the body area indicating the discount information and the coupon information on the product benefit screen 610, the detail screen 710 of the store corresponding to the product benefit screen 610 is displayed through the application as shown in FIG. And output it to the terminal.

At this time, more detailed discount and coupon information can be output along with the store information on the detailed screen 710 of the store. Also, a payment button may be output together so that the user can proceed with the payment process at any time.

At this time, if the user selects a payment button to be displayed on the detailed screen 710 of the store or the product benefit screen 610, the user authentication information input screen (FIG. 8 810). That is, the user authentication information input screen 810 can be output to the mobile terminal for offline purchase in the shop based on the offline proxy processing apparatus interlocked through the application.

At this time, besides the method of inputting the PIN, the user authentication may use a method of inputting a touch pattern to a picture, touch gesture authentication, fingerprint recognition, face recognition, and voice recognition.

At this time, if the PIN is input to the user authentication information input screen 810 as shown in FIG. 8, the PIN input data can be transmitted to the offline proxy processing apparatus to perform authentication for the user.

Thereafter, when a proxy settlement request message is transmitted to the offline proxy settlement processing device for proxy settlement for offline purchase, an optimal proxy settlement person recommendation screen 910 is output as shown in FIG. 9, You may.

At this time, in the optimum substitute payer recommendation screen 910, an alternate payment execution request button 912 which can select whether to request the execution of the proxy payment with the card together with the optimum substitute payment card 911 corresponding to the optimal substitute payer, Can be output. In addition, if the user wishes to make a proxy settlement using a card of a substitute payer other than the card recommended by the optimum substitute payment card 911, a different card selection button 913 is also output together with a substitute settlement You can also choose to choose a character.

Thereafter, when the user selects a product to be purchased and submits it to the POS corresponding to the store, it can be confirmed that the user is the purchaser who has requested the proxy settlement, and further authentication with respect to the user can be performed.

At this time, at least one of the mobile terminal and the POS receives the authentication information corresponding to the additional authentication from the offline proxy processing device or the server, and further authentication can be performed.

In this case, the additional authentication includes a method of generating a shaking pattern with a mobile terminal, a method of inputting a tapping pattern of a sine pad linked to a POS, a method of generating an intersection pattern of a trajectory drawn on a sine pad, A method of entering a zone, and a method of using a question and an answer generated based on information stored in a mobile terminal.

When the additional authentication for the user is completed, a settlement screen 1010 indicating information on proxy settlement can be output to the POS installed in the store as shown in FIG.

At this time, the billing screen 1010 displays, as shown in FIG. 10, billing information 1020 corresponding to a user who intends to purchase a commodity at a store, billing information 1030 of an optimal billing agent 1030, And display a proxy settlement result output screen 1040 in response to a request.

For example, as shown in FIG. 10, the proxy settlement requestor information 1020 may display a photograph of the user and a telephone number of the mobile terminal. At this time, the photograph of the user and the telephone number of the mobile terminal may receive information from the server when the user authentication is completed based on the user authentication performed before the proxy payment request.

In addition, the proxy payment information 1030 can output the payment card of the optimum substitute payer who requested the proxy settlement, and a proxy settlement request button 1031 for the proxy settlement of the store clerk can be output together .

At this time, the clerk of the store may touch the proxy settlement request button 1031 to request the offline proxy settlement processing apparatus or the server to execute the proxy settlement. At this time, the purchase information corresponding to the user can be transmitted to the offline proxy processing apparatus or the server together with the execution request of proxy payment.

Thereafter, the offline proxy payment processing device or the server may determine whether or not the proxy payment is to be performed based on the purchase information and the pre-approval condition of the optimal proxy payer, and process the proxy payment.

Thereafter, the offline proxy payment processing device or the server can transmit the processing result of the proxy payment to at least one of the POS and the mobile terminal. For example, when the POS receives the processing result of the proxy settlement, the success and failure of the settlement may be output as shown in the proxy settlement result output screen 1040 of FIG.

Also, as shown in FIGS. 11 to 12, the mobile terminal can transmit a payment success message 1110 or a payment failure message 1210 to the user's mobile terminal.

At this time, the settlement success message 1110 may indicate the remaining amount of the settlement points used by the substitute payer in the proxy settlement together with the store, the optimal substitute payer, and the substitute settlement amount corresponding to the substitute settlement.

Also, if the proxy settlement fails, the settlement failure message 1210 may be transmitted to the user's mobile terminal, and a button for performing settlement may be output together with the reason for the settlement failure. For example, if the proxy settlement fails due to a shortage of payment points as shown in FIG. 12, a payment point charging request button 1211 may be displayed together with a message in order to request the optimal substitute payer to charge the payment point.

13 to 14 are views showing a proxy payment card and a pre-approval target registration screen of a proxy payer according to an embodiment of the present invention.

13 to 14, the proxy payment card and the pre-approval target registration screen of the proxy payer according to the embodiment of the present invention may be output in the process of joining the application pay service by the user corresponding to the proxy payer . It can also be output when an already subscribed user registers a new credit card in the application or adds a preapproval target for proxy settlement.

At this time, the user can output the card information registration screen 1310 to the mobile terminal as shown in FIG. 13 in order to register the card to be used in the application pay service.

Thereafter, the user can register information on the card to be registered and register the card in the application pay service.

Thereafter, it is possible to register the pre-approval object which can use the proxy settlement using the pre-approval object registration screen 1410 as shown in FIG. For example, in the pre-approval target registration screen 1410, the name of the pre-approval target person who can use proxy settlement, the telephone number of the mobile terminal, the approval period in which proxy settlement is possible, the one-time settlement limit amount, Amount of money, amount of settlement of monthly limit, and a group of approval-restricted goods upon proxy settlement. Alternatively, it is possible to designate the type of the commodity that can be purchased or the type of the store, or an area where the proxy settlement is possible.

FIG. 15 is an operation flowchart showing an offline proxy payment processing method according to an embodiment of the present invention in the offline proxy payment processing apparatus side. FIG.

Referring to FIG. 15, an offline proxy payment processing method according to an embodiment of the present invention receives a proxy payment request for offline purchase from a mobile terminal checked in a store (S1510).

At this time, the check-in information corresponding to the store entered by the user can be obtained.

At this time, the check-in information can be acquired using a technology such as Bluetooth low energy (BLE) technology, WiFi and GPS. For example, a device such as a BLE beacon may be installed at the entrance of a store, and when the user's mobile terminal enters the area of the BLE beacon, the terminal may be detected and a signal including the store information may be transmitted. At this time, the mobile terminal receiving the signal can acquire the information of the store included in the signal through the application, and transmit the information to the offline proxy processing device as the check-in information.

At this time, if the user can detect that the mobile terminal has visited the store, it can be utilized as a technique for acquiring the check-in information without being restricted to a certain technology.

In addition, although not shown in FIG. 15, the offline proxy payment processing method according to an embodiment of the present invention authenticates a user before receiving a proxy payment request.

At this time, the authentication may correspond to inputting the PIN number to the mobile terminal. That is, authentication may be performed at the user's mobile terminal. For example, if a PIN number is input to perform authentication in a mobile terminal, authentication can be performed by recognizing the PIN number input to the mobile terminal as information for authenticating the user and transmitting the PIN number to the offline proxy processing apparatus.

Also, the authentication may be performed through various methods such as fingerprint recognition, face recognition, and voice recognition, which are available through a mobile terminal.

At this time, the authentication may correspond to the cancel conditional authentication. That is, authentication for a user may correspond to authentication involving a spatial or temporal release condition.

At this time, a timeout period corresponding to the valid time of authentication may be set as one of the revocation conditions of the authentication for the user. That is, if the preset timeout period is exceeded after the authentication is performed, the authentication can be automatically released.

At this time, the timeout period may be set differently depending on the type of the store. For example, in stores such as supermarkets, you can set the timeout to 30 minutes to 1 hour for shopping time. In a restaurant such as a restaurant, a time-out period can be set from 2 hours to 3 hours in accordance with a meal time.

At this time, if the timeout period is exceeded and the authentication is canceled, the settlement through the mobile terminal may not be performed irrespective of whether the additional authentication for the user is valid or not. Accordingly, in order to perform settlement through the mobile terminal after the authentication is canceled, the user may be authenticated again, and further authentication may be performed to process the settlement.

In addition, when the mobile terminal is moved away from the store by a predetermined distance, the user may be deactivated. For example, the location of the mobile terminal may be located using a short-range wireless communication device installed at the entrance of the store and various places inside the store, and the authentication may be released if the mobile terminal is found to be out of the store and distant by a certain distance have.

At this time, the monitoring result for the mobile terminal may be acquired based on the information corresponding to the check-in, and authentication may be performed in accordance with the primary authentication level adjusted according to the monitoring result. In other words, if we find something strange in the monitoring results, we can enhance security according to the situation by improving the primary authentication level for safer authentication.

At this time, the monitoring result may correspond to a situation before performing the authentication for the user.

At this time, if the monitoring result exceeds the preset reference authentication time until the authentication is performed after acquiring the information corresponding to the check-in, at least one of the cases where the number of mobile illegal settlement occurred in the store exceeds the predetermined reference number And may be adjusted to improve the primary authentication level if one corresponds to one. That is, it takes a long time before the user who has the mobile terminal enters the store and performs the authentication before the authentication, or when the store where the user enters is a store where mobile illegal settlement frequently occurs, The primary authentication level for user authentication can be improved.

At this time, the authentication can be performed by adjusting to add the procedure of inputting the PIN number when the primary authentication level is improved. For example, if the first level of authentication is high, the keyboard of the mobile terminal can be changed each time a PIN is input rather than simply inputting a PIN. It is also possible to use a method of inputting a PIN after inputting a color pattern or increasing the length of a PIN by using a dummy number. Also, when the PIN is input, if the earphone or headphone is connected to the audio jack of the mobile terminal to listen to music, the first authentication level is improved, so that the PIN can be inputted through the audio feedback.

At this time, according to the authentication method for the user, the first authentication level may be improved by changing the conditions that can be considered further in authentication. For example, assuming that the authentication method for the user corresponds to fingerprint recognition, it is possible to request fingerprint recognition of another finger as the primary authentication level is improved. In addition, in the case of face recognition, it is also possible to recognize the left or right side of the face in addition to recognizing the front face of the face.

Although not shown in FIG. 15, the offline proxy payment processing method according to an embodiment of the present invention is a method in which authentication information for additionally authenticating a user corresponding to offline purchase after receiving a proxy payment request is stored in a POS . For example, after receiving the proxy settlement request, the user can confirm the goods or services to be purchased at the store and deliver the goods or services to the store POS. At this time, the POS can confirm that the user is the buyer who requested the proxy settlement. Therefore, it is necessary to perform additional authentication to confirm that the buyer who delivered the goods to the POS is the user who performed the user authentication.

At this time, the additional authentication may be lower in authentication level than the authentication performed for the user performed before receiving the proxy payment request. In other words, since it is confirmed whether the user is registered in the service through the authentication through the mobile terminal, if the authentication cancellation condition is satisfied and the authentication is not canceled, even if the proxy settlement is performed using only a lower level of additional authentication, Can be lowered. Therefore, the additional authentication may be authentication in a manner that maximizes the user's convenience even though the authentication level is lower than the authentication level.

At this time, if authentication for the user performed before receiving the proxy payment request is canceled, the authentication information for additional authentication may be invalidated.

Further, the additional authentication may correspond to an authentication dependent on the authentication performed on the user performed prior to receiving the proxy payment request. That is, the authentication information for additional authentication can be provided to the POS of the store based on the authentication using the mobile terminal. For example, the additional authentication may be performed by a user who wants to purchase a product, that is, a photographer or a phone number of the purchaser through the mobile terminal is displayed at the POS, a face of a user who has submitted a product at the POS to purchase the product, And perform additional authentication.

At this time, the authentication information may be generated corresponding to the secondary authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the offline purchase is submitted to the POS. That is, the secondary authentication level can be determined in consideration of the situation after the authentication is performed until the additional authentication is performed.

In this case, when the monitoring result exceeds the preset reference purchase time from the authentication performed before receiving the proxy settlement request until the product is submitted to the POS, after the authentication performed before receiving the proxy settlement request, When the moving distance of the mobile terminal exceeds the preset reference moving distance and when the moving speed of the mobile terminal exceeds the predetermined reference moving speed after the authentication performed before receiving the proxy payment request, The authentication level can be adjusted to be improved.

At this time, the preset reference purchase time may correspond to a time shorter than a timeout time that satisfies the release condition of the authentication performed before receiving the proxy payment request.

At this time, if the secondary authentication level is improved, the authentication information may be generated such that factors to be considered in the additional authentication are increased based on the authentication method corresponding to the additional authentication.

For example, assuming that the authentication method corresponding to the additional authentication is a method of shaking and authenticating the user's mobile terminal according to a predetermined wiggling pattern at the POS, authentication information is generated so as to consider the shaking speed along with the shaking direction of the mobile terminal can do. Further, assuming that the authentication method corresponding to the additional authentication is a method of inputting a predetermined tapping pattern in a sine pad interlocked with the POS, in addition to the region to which the sine pad is touched, the touch length, the touch speed, or the swipe direction and the swipe speed May be generated.

In this case, the authentication method corresponding to the additional authentication includes a method of confirming the question and answer sent to the POS based on the call list or calendar registered in the mobile terminal at the time of authentication performed before receiving the proxy payment request, A method of inputting a preset intersection point pattern, and a method of being located in a payment zone corresponding to a certain range based on POS.

In addition, the off-line proxy payment processing method according to an embodiment of the present invention recommends any one of the plurality of substitute payslips based on the estimated purchase information corresponding to the user (S1520).

At this time, all of the plurality of substitute payer may be the substitute payer who registered the user as the prior approval object for the substitute settlement.

At this time, the pre-approval condition of each of the plurality of proxy solvers is compared with the estimated purchase information to extract a candidate group that is expected to be able to perform proxy settlement among a plurality of proxy solvers, and based on the recommendation priority in the candidate group Any one of the optimal substitute payer can be recommended.

That is, only the substitute payer having the pre-approval condition that satisfies the expected purchase information for the user among the plurality of substitute payer can be extracted as the candidate group. For example, the proxy payer A sets the one-time payment limit to the user to 10,000 won, the proxy payer B sets the one-time payment limit to 20,000 won for the user, and the proxy payer C for the user It can be assumed that the settlement limit once is set at 30,000 won. At this time, if the estimated payment amount included in the user's estimated purchase information is 15,000 won, the substitute payer B and the substitute payer C can be extracted as the candidate group. Therefore, one of the substitute payer B and the substitute payer C can be recommended as the optimum substitute payer according to the recommendation priority.

In this case, the recommendation priority may be such that the user profit corresponding to at least one of the prize and the gift item corresponds to the first rank, the proxy payer profit corresponding to at least one of the discount, coupon, The relationship between the user and the proxy payer corresponding to at least one of the number of calls, the number of proxy settlements, and the current distance may correspond to the third rank.

For example, suppose that the candidate groups include proxy payer A, B, and C, and that when the user performs proxy settlement using the card of the proxy payer A in the store checked in, the user is given a prize. At this time, the proxy payer A can be recommended as the optimal proxy payer so that the user profit can be generated according to the recommendation priority.

For example, if the candidate group includes the proxy payer A, B, and C, and the user performs proxy settlement using the card of the proxy payer A and the proxy payer B at the store where the user is checked in, And if the proxy settlement is performed with the card of the proxy payer B, it can be assumed that the money is also discounted. At this time, the proxy payer A and the proxy payer B can be recommended as the optimal proxy payer according to the first ranking condition in the recommendation priority, but the proxy payer B is best represented as the second payer It can be recommended as a payer.

That is, it is recommended that the optimal substitute payer is recommended based on the first priority condition of the recommendation priority order among the candidate groups, but if the ties occur in the first order condition, the optimum substitute payer can be recommended by comparing the tuples with the second order condition .

At this time, the prospective purchase information may include at least one of the at least one prospective purchase item that the user is expected to purchase at the store, and the expected payment amount that the user is expected to use at the store.

At this time, at least one purchase is made in consideration of at least one of the purchase pattern of the user in the group of merchant points corresponding to the store, the purchase pattern of the same user group as the user in the merchant group, the benefit information provided in the store, Estimated goods can be estimated.

For example, a user's purchase pattern can be generated for each group of merchants by using information such as the type of the products purchased by the user, the purchase timing, or the price range of the purchased items in the group of merchants selling the daily necessities.

Another example is to create a user group based on other users corresponding to similar information based on the user's age, sex, occupation, and preference information, generate a purchase pattern of the user group, It can also be used for estimation.

Another example is to acquire the information of the store that the user has entered and acquire the benefit information currently provided at the store, that is, information about the discounted product, the 1 + 1 product or the time-limited product, .

In another example, a user may estimate an expected purchase product by considering how the user benefits from the purchase of the product. In other words, a pattern that considers more favorable benefit information during discount and accumulation or utilizes accumulated points may be considered in estimating the expected purchase product.

At this time, the unnecessary goods item is calculated in consideration of at least one of the information of the most recently purchased goods and the purchase date of the merchant group, and the unnecessary goods item can be excluded when estimating at least one item to be purchased .

For example, if a merchandise is purchased from the same merchant group as the store before the user visits the store, the merchandise may not be likely to be purchased at the store. Therefore, when estimating the expected product to be purchased at the current store, it is possible to recognize and exclude the product previously purchased from the same shop group as an unnecessary product item.

In another example, when there is a product purchased from the same franchise group as the store before the user visits the store, it is estimated as a product to be purchased, considering the purchase timing of the product and the discount of the product You may. In other words, if a user has discounted hair gels at a hair product store visited by a user and the user has purchased the hair gel one month in advance, it may be highly likely to benefit from the visit and purchase the hair gel.

At this time, the estimated amount of payment can be estimated by taking into account at least one of the purchase pattern of the user, the purchase amount information of the one user in the store, and the one time purchase amount information of the same user group to the merchant group.

For example, since the user can obtain the price information of the goods to be purchased by using the purchase pattern of the user that is considered when estimating the goods to be purchased, the estimated amount of payment can be estimated in consideration of the purchase pattern of the user.

As another example, the estimated amount of payment may be estimated using the average information of the amount of money that one user purchases at the store visited by the user.

As another example, it can be determined whether the store visited by the user is an expensive precious metal store or a comparatively low-priced commodity store, and the one-time purchase amount information in the group of affiliated stores can be considered. Also, by determining whether the user is a student, a housewife, or an employee, one-time purchase amount information of the same user group as the user can be considered. In other words, since the consumption tendency of the user may be different from that of the student and the worker, the estimated amount of payment may be estimated by considering the purchase amount information based on the user group.

In addition, the off-line proxy payment processing method according to an embodiment of the present invention performs proxy settlement based on the settlement point of the optimal substitute payer in consideration of the pre-approval conditions of the optimal substitute payer and the settlement information corresponding to the offline purchase (S1530 ).

At this time, the settlement point may be a kind of goods purchased by another payment means of the optimum substitute payer for proxy settlement. For example, it may correspond to an application payload corresponding to the application pay service.

Accordingly, the optimal substitute purchaser can purchase or charge the settlement point using a cash card or a credit card, and use the same at the proxy settlement of the user.

At this time, when the settlement point is smaller than the purchase amount corresponding to the offline purchase, the settlement point can be additionally purchased by the settlement means of the optimum substitute settlement provider. For example, it can be assumed that the amount of the proxy settlement by the user is 10,000 won, and the settlement point of the proxy is currently 5,000 points. At this time, the user can request the purchase of the settlement point to the optimum settlement payer, and purchase the settlement point with the credit card of the payer.

In addition, when the settlement point is smaller than the purchase amount corresponding to the offline purchase, it is also possible to perform the proxy settlement by recommending another optimal substitute payer from among the plurality of substitute payer other than the optimal substitute payer, based on the settlement information.

At this time, the pre-approval condition is compared with the settlement information, and the proxy settlement can be performed when the settlement information satisfies the pre-approval condition. That is, the optimum substitute payer can perform conditional pre-approval for the user corresponding to the proxy settlement in advance.

At this time, the pre-approval condition is based on at least one of a period in which the proxy settlement is possible, an amount of the commodity corresponding to the offline purchase, a type of the commodity, a type of the store, a daily settlement amount, a once- Lt; / RTI >

At this time, the pre-approval condition may be set corresponding to each of a plurality of users when there are a plurality of users corresponding to the pre-approval object of the optimum proxy payer. For example, for user A, the monthly settlement limit may be set at 100,000 won, that is, at 100,000 points, and for user Be, the monthly settlement limit may be set at 200,000 points. In addition, the user A can be set up to enable proxy settlement only at the bookstore, and the user Be can be set to enable proxy settlement only at a store located in Dogok-dong, Gangnam-gu, Seoul.

Further, as the proxy settlement is completed, the result of the proxy settlement can be transmitted to at least one of the mobile terminal and the POS. For example, when the proxy settlement is successful, the settlement success message including the name of the store corresponding to the proxy settlement, the optimal substitute payer, and the payment amount can be transmitted to the mobile terminal. In addition, in the case that the proxy settlement fails, the settlement failure message including the contents of the settlement failure may be transmitted.

In addition, although not shown in FIG. 15, the offline proxy payment processing method according to an embodiment of the present invention can transmit and receive information necessary for an offline proxy settlement processing to a user's mobile terminal through a communication network such as a network. In particular, the mobile terminal may receive information for performing check-in and authentication from the mobile terminal, and may provide information corresponding to the offline proxy payment processing to the mobile terminal.

At this time, information for performing an offline proxy settlement process may be received from a POS installed in a separate application server or a store.

In addition, although not shown in FIG. 15, the offline proxy payment processing method according to an embodiment of the present invention stores various information generated in the offline proxy payment processing service process according to an embodiment of the present invention .

According to the embodiment, the storage module for storing the information may be configured independently of the offline proxy processing device to support the function for the offline proxy processing service. At this time, the storage module may operate as a separate mass storage and may include control functions for performing operations.

Through such an offline proxy settlement processing method, it is possible to make the user and the proxy payer gain as much profit as possible by recommending the most suitable proxy payer in the store visited by the user.

In addition, the surrogate payer can settle the offline settlement of the user by charging the settlement point, so that the user can enable offline settlement without face-to-face authentication with the surrogate payer at the POS.

Further, based on the two-channel authentication for performing user authentication through the mobile terminal and additional mobile terminal authentication at the POS, it is possible to provide a higher level of security in the case of payment using the mobile terminal in the offline store.

Further, by performing additional authentication for user authentication for offline purchase, it is possible to prevent the security risk that may occur in the purchase process after user authentication is completed.

16 is a flowchart illustrating an offline proxy payment processing method according to an embodiment of the present invention in detail.

Referring to FIG. 16, an offline proxy payment processing method according to an embodiment of the present invention acquires check-in information corresponding to a store entered by a user (S1602).

At this time, the check-in information can be acquired using a technology such as Bluetooth low energy (BLE) technology, WiFi and GPS.

Thereafter, user authentication is performed on the user checked in before receiving the proxy payment request (S1604).

At this time, the authentication may correspond to inputting the PIN number to the mobile terminal. That is, authentication may be performed at the user's mobile terminal. For example, if a PIN number is input to perform authentication in a mobile terminal, authentication can be performed by recognizing the PIN number input to the mobile terminal as information for authenticating the user and transmitting the PIN number to the offline proxy processing apparatus.

Also, the authentication may be performed through various methods such as fingerprint recognition, face recognition, and voice recognition, which are available through a mobile terminal.

Thereafter, a proxy payment request for offline purchase at the store is received from the mobile terminal checked in the store (S1606).

Thereafter, the user estimates estimated purchase information that is expected to be purchased offline in the store (S1608).

At this time, the prospective purchase information may include at least one of the at least one prospective purchase item that the user is expected to purchase at the store, and the expected payment amount that the user is expected to use at the store.

Thereafter, an optimal substitute payer of a plurality of substitute payer is recommended based on the estimated purchase information corresponding to the user (S1610).

At this time, the pre-approval condition of each of the plurality of proxy solvers is compared with the estimated purchase information to extract a candidate group that is expected to be able to perform proxy settlement among a plurality of proxy solvers, and based on the recommendation priority in the candidate group Any one of the optimal substitute payer can be recommended.

In this case, the recommendation priority is such that the user profit such as a prize or a gift item corresponds to the first rank, and the surplus payer profit such as discount, coupon, and current card performance corresponds to the second rank, and the number of calls, The relationship between the user and the proxy payer, such as the distance, may correspond to the third rank.

Thereafter, in accordance with the offline purchase, the authentication information for the user addition authentication and the information of the recommended optimal substitute payer are provided at the POS corresponding to the store (S1612).

At this time, the user authentication performed before the proxy payment request corresponds to the cancel conditional authentication, and it can be determined whether the user authentication is valid before the additional authentication using the authentication information is performed. If the user authentication performed prior to the proxy payment request is canceled, the authentication information corresponding to the additional authentication may be invalidated and the additional authentication may not be performed. Accordingly, in such a case, additional authentication may be performed after user authentication is performed again.

Thereafter, payment information corresponding to the proxy settlement is received from the POS corresponding to the store (S1614). For example, the payment information may include information for comparing the pre-approval conditions such as the amount of the product the user wants to purchase, the type of the product, the type of the store into which the user has entered, and the location of the store.

Thereafter, it is determined whether or not the payment information satisfies the pre-approval condition of the optimum substitute payer (S1616). For example, a dictionary created based on at least one of a period during which a proxy settlement is possible, an amount of a commodity corresponding to an offline purchase, a type of a commodity, a type of a store, a daily settlement amount, a once- It is possible to compare the approval condition with the settlement information to determine whether the settlement information satisfies the preauthorization condition.

If it is determined in step S1616 that the payment information satisfies the pre-approval condition of the optimal payer, the proxy payment is performed at the payment point of the optimal payer in step S1618.

At this time, when the settlement point is smaller than the purchase amount corresponding to the offline purchase, the settlement point can be additionally purchased by the settlement means of the optimum substitute settlement provider.

Subsequently, upon completion of the proxy settlement, a proxy settlement success message is transmitted to the mobile terminal and the POS (S1620). For example, when the proxy settlement is successful, the settlement success message including the name of the store corresponding to the proxy settlement, the optimal substitute payer, and the payment amount can be transmitted to the mobile terminal.

If it is determined in step S1616 that the payment information does not satisfy the pre-approval condition of the optimal payer, the proxy payment failure message is transmitted to at least one of the mobile terminal and the POS in step S1622. For example, a payment failure message may be transmitted, which briefly includes the failure of payment.

FIG. 17 is a flowchart illustrating an offline proxy payment processing method according to an exemplary embodiment of the present invention.

Referring to FIG. 17, in the offline proxy settlement processing method according to one example of the present invention, the check-in information corresponding to the store entered by the user is obtained (S1710).

At this time, the check-in information can be acquired using a technology such as Bluetooth low energy (BLE) technology, WiFi and GPS. For example, when a user has a mobile terminal and enters a store, the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store. At this time, the beacon signal may include check-in information including information of the store.

In addition, the offline proxy payment processing method according to one example of the present invention performs user authentication by inputting user authentication information (S1720). For example, when a PIN input screen corresponding to user authentication is received from a server and an offline proxy processing apparatus corresponding to an application installed in the mobile terminal, user authentication can be performed by inputting a PIN using the mobile terminal. Thereafter, the server and the offline proxy processing apparatus can process the user authentication by determining the PIN input through the mobile terminal.

Also, the user authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc., which are possible through the mobile terminal.

In addition, the offline proxy payment processing method according to the present exemplary embodiment of the present invention requests the server for proxy payment based on the result of the user authentication (S1730). For example, an optimal substitute payer may be recommended among a plurality of substitute payer who set the user as a pre-approval target in the application pay service, and may perform a proxy settlement request through the optimal substitute payer.

At this time, the proxy settlement request message may be transmitted to the server to request the proxy settlement.

In addition, in the offline proxy payment processing method according to the present exemplary embodiment of the present invention, additional authentication is performed to additionally authenticate the user corresponding to the offline purchase corresponding to the store, and a result corresponding to the proxy payment is received (S1740). For example, when the proxy settlement is successful, the payment success message including the name of the store corresponding to the proxy settlement, the optimal substitute payer, and the payment amount can be received. Also, in the case that the proxy settlement fails, the settlement failure message may be received, which briefly includes the content of the settlement failure.

At this time, the additional authentication may correspond to the authentication depending on the user authentication.

Also, the user authentication corresponds to the cancel conditional authentication, and when the user authentication is canceled, the authentication information for additional authentication can be invalidated. That is, the user authentication may correspond to an authentication involving a spatial or temporal release condition.

At this time, authentication information for additional authentication can be received from the server.

FIG. 18 is a detailed view illustrating a process of improving the primary authentication level in the offline proxy payment processing method shown in FIG. 16. FIG.

Referring to FIG. 18, in the offline proxy payment processing method shown in FIG. 16, the process of improving the primary authentication level first obtains the monitoring result for the mobile terminal based on the check-in information (S1810). In other words, if we find something strange in the monitoring results, we can enhance security according to the situation by improving the primary authentication level for safer authentication.

At this time, the monitoring result may correspond to the situation before the authentication is performed.

Thereafter, it is determined whether the monitoring result satisfies the primary authentication level improving condition (S1815).

At this time, if the monitoring result exceeds the predetermined reference authentication time until the authentication is performed after the check-in information is obtained, the mobile negative settlement count generated in the store exceeds the preset reference count, It can be determined that the condition for improving the authentication level is satisfied. That is, it takes a long time before the user having the mobile terminal enters the in-store and performs authentication before the authentication, or when the store where the user enters is a store where mobile illegal settlement frequently occurs, It is possible to improve the primary authentication level for user authentication for proxy settlement.

Thereafter, if the monitoring result satisfies the first authentication level improvement condition as a result of the determination in step S1815, an element to be considered in authentication is added according to the user authentication method (S1820).

For example, when the user authentication method corresponds to a method of inputting a PIN, the keyboard of the mobile terminal can be changed each time a PIN is input rather than inputting a simple PIN. It is also possible to use a method of inputting a PIN after inputting a color pattern or increasing the length of a PIN by using a dummy number. Also, when the PIN is input, if the earphone or headphone is connected to the audio jack of the mobile terminal to listen to music, the first authentication level is improved, so that the PIN can be inputted through the audio feedback.

Further, if it is assumed that the user authentication method corresponds to fingerprint recognition, it is possible to further request fingerprint recognition of another finger as the primary authentication level is improved. In addition, in the case of face recognition, it is also possible to recognize the left or right side of the face in addition to recognizing the front face of the face.

If it is determined in step S1815 that the monitoring result does not satisfy the primary authentication level improvement condition, the user can be authenticated without improving the primary authentication level.

FIG. 19 is a detailed view illustrating a process for improving the secondary authentication level in the offline proxy payment processing method shown in FIG. 16. FIG.

Referring to FIG. 19, in the offline proxy payment processing method shown in FIG. 16, the process of improving the secondary authentication level acquires the monitoring result for the mobile terminal until the goods are submitted to the POS (S1910). That is, the secondary authentication level can be determined in consideration of the situation from when the user authentication is performed before the proxy payment request until the additional authentication is performed.

Thereafter, it is determined whether the monitoring result satisfies the secondary authentication level improving condition (S1915).

In this case, if the monitoring result exceeds the preset reference purchase time from the user authentication before the proxy payment request until the product is submitted to the POS, the moving distance of the mobile terminal after the user authentication before the proxy payment request is shifted to the predetermined reference It is determined that the mobile terminal satisfies the secondary authentication level improvement condition when it corresponds to at least one of the cases where the mobile terminal has exceeded the distance and the mobile speed of the mobile terminal exceeds the preset reference moving speed after the user authentication before the proxy payment request .

At this time, the preset reference purchase time may correspond to a time less than a timeout time that satisfies the release condition of the user authentication before the proxy payment request.

Thereafter, if the monitoring result satisfies the secondary authentication level improving condition as a result of the determination in step S1915, the number of elements to be considered in the additional authentication is added according to the additional authentication method (S1920).

For example, if the additional authentication method is a method of shaking and authenticating a user's mobile terminal according to a predetermined wiggling pattern at the POS, additional authentication can be performed considering further the shaking speed as well as the shaking direction of the mobile terminal. For example, if the additional authentication method is a method of inputting a predetermined touch pattern on a sine pad associated with the POS, the touch sequence along the sine pad area, the touch length, the swipe direction, and the swipe speed are added To perform additional authentication.

If it is determined in step S1915 that the monitoring result does not satisfy the secondary authentication level improving condition, additional authentication is performed without performing a process for improving the secondary authentication level.

20 is a diagram illustrating an offline proxy settlement process according to an embodiment of the present invention.

Referring to FIG. 20, in the off-line proxy payment process according to an embodiment of the present invention, when the mobile terminal enters the store and checks in (S2002), the mobile terminal transmits the check-in information acquired by the mobile terminal to the offline proxy processing apparatus (S2004).

At this time, the check-in information can be acquired using a technology such as Bluetooth low energy (BLE) technology, WiFi and GPS.

Thereafter, the offline proxy processing apparatus requests the user of the mobile terminal for user authentication based on the check-in information (S2006).

At this time, the authentication may correspond to inputting the PIN number to the mobile terminal. That is, authentication may be performed at the user's mobile terminal.

Also, the authentication may be performed through various methods such as fingerprint recognition, face recognition, and voice recognition, which are available through a mobile terminal.

Accordingly, the user inputs the user authentication information to the mobile terminal, and the mobile terminal transmits the user authentication information input by the user to the offline proxy processing apparatus (S2008).

Thereafter, the offline proxy processing apparatus performs user authentication based on the received user authentication information (S2010).

Thereafter, the mobile terminal requests the offline proxy settlement processing apparatus to perform proxy settlement for offline purchase at the store where the user entered the shop (S2012).

Thereafter, the offline proxy payment processing device recommends any one of the plurality of substitute payslips based on the estimated purchase information corresponding to the user (S2014).

At this time, the pre-approval condition of each of the plurality of proxy solvers is compared with the estimated purchase information to extract a candidate group that is expected to be able to perform proxy settlement among a plurality of proxy solvers, and based on the recommendation priority in the candidate group Any one of the optimal substitute payer can be recommended.

In this case, the recommendation priority corresponds to the first rank of the user profit, the second rank of the proxy payer profit, and the third rank of the relationship between the user and the proxy payer.

In addition, the prospective purchase information may include at least one of the at least one prospective purchase item that the user is expected to purchase at the store, and the expected payment amount that the user is expected to use at the store.

Thereafter, the offline proxy payment processing apparatus provides the information of the optimal proxy payer to at least one of the mobile terminal and the POS (S2016, S2018).

Thereafter, the offline proxy payment processing device generates additional authentication information for additional authentication for the user corresponding to the offline purchase (S2020), and provides the additional authentication information to the POS corresponding to the store (S2022).

At this time, the user authentication performed before the proxy payment request corresponds to the cancel conditional authentication, and it can be determined whether the user authentication is valid before the additional authentication using the authentication information is performed. If the user authentication performed prior to the proxy payment request is canceled, the authentication information corresponding to the additional authentication may be invalidated and the additional authentication may not be performed. Accordingly, in such a case, additional authentication may be performed after user authentication is performed again.

Thereafter, additional authentication of the user is performed and completed based on the additional authentication information to perform proxy settlement for offline purchase (S2024).

Thereafter, the POS transmits the payment information for the product that the user wants to purchase offline from the POS corresponding to the store to the offline proxy processing apparatus (S2026).

Thereafter, the offline proxy payment processing device compares the pre-approval condition of the optimal payer and payment information to determine whether to perform proxy payment (S2028).

At this time, the proxy settlement can be performed when the payment information satisfies the pre-approval condition.

At this time, if it is determined that the payment information does not satisfy the pre-approval condition of the optimal payer, the payment failure message is transmitted to at least one of the mobile terminal and the POS (S2030, S2032).

If it is determined in step S2028 that the settlement information satisfies the pre-approval condition of the optimum settlement payer, the proxy settlement is performed at the settlement point of the optimal settlement payer (S2034).

Thereafter, the offline proxy processing apparatus transmits a settlement success message to at least one of the mobile terminal and the POS (S2038).

The offline proxy payment processing method according to the present invention can be implemented in the form of a program command which can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Includes all types of hardware devices that are specially configured to store and execute magneto-optical media and program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions may include machine language code such as those generated by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like. Such a hardware device may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the offline proxy settlement processing system, the offline proxy settlement processing method based on the proxy payer recommendation, and the apparatus using the offline proxy settlement processing method according to the present invention are not limited to the configuration and method of the embodiments described above , The above embodiments may be constructed by selectively combining all or a part of each embodiment so that various modifications can be made.

According to the present invention, it is possible to receive a proxy settlement request for offline purchase at a store from a mobile terminal checked in a store, and to recommend any one of a plurality of proxy payers from among a plurality of proxy payers based on estimated purchase information corresponding to a user And can perform the proxy settlement based on the settlement point of the optimal substitute payer in consideration of the pre-approval conditions of the optimal substitute payer and the settlement information corresponding to the offline purchase. Furthermore, it is possible to allow the user to make an offline settlement while avoiding the authentication restriction of the non-face card settlement, and it is possible to induce consumers to consume based on a convenient proxy settlement.

110: Application server 111: Application
120, 220: terminal 130, 230: POS
140: BLE Server 141: BLE SDK
150: BLE device 160: store
210: server 310: receiving unit
320: primary authentication unit 330: secondary authentication unit
340: Proxy Payer Recommendation Unit 350:
360: Book 410: Purchase Expected Product Authority
420: Estimated amount of payment estimated 510: Check-in information collection unit
520: user authentication performing unit 530: proxy settlement request unit
540: Payment Performer 610: Product Benefits Screen
611: BLE Note 612: Lockscreen
710: Detailed screen of the store 810: User authentication information input screen
910: Optimal Delegated Payment Screen 911: Optimal Delegated Payment Card
912: Request for proxy settlement execution button 913: Other card selection button
1010: Payment screen 1020: Surrogate payment requester information
1030: Proxy payment information 1031: Proxy payment request button
1040: Display of proxy settlement result screen 1110: Payment success message
1210: Payment decline message 1211: Payment point charging request button
1310: Card information registration screen 1410: Pre-approval object registration screen

Claims (10)

A reception unit for receiving a proxy payment request for offline purchase from the mobile terminal checked in the store;
A proxy solicitor recommendation unit for recommending any one of the plurality of proxy solvers based on the estimated purchase information corresponding to the user; And
Performing an agency settlement based on the settlement point of the optimal settlement payer in consideration of the pre-approval conditions of the optimal settlement payer and the settlement information corresponding to the offline purchase,
And an offline proxy processing unit for processing the offline proxy processing. The method according to claim 1,
The proxy payer recommendation section
Comparing the pre-approval conditions of each of the plurality of proxy solvers with the expected purchase information to extract a candidate group expected to be capable of proxy settlement among the plurality of proxy solvers, And the recommendation means recommends any of the above-mentioned optimal substitute settlement means based on the recommendation information. The method of claim 2,
The recommendation priority is
The user profit corresponding to at least one of the prizes and the gifts is equivalent to the first rank, the proxy payer profit corresponding to at least one of the discount, the coupon, and the actual card performance corresponds to the second rank, and the number of calls, Wherein the relationship between the user and the proxy payer corresponding to at least one of the distances currently distant corresponds to the third rank. The method according to claim 1,
The performing unit
When the settlement point is smaller than the purchase amount corresponding to the offline purchase, adds the settlement point to the settlement means of the optimum settlement agent. The method according to claim 1,
A primary authentication unit for authenticating the user before receiving the proxy payment request; And
A second authentication unit for providing authentication information for further authentication of the user corresponding to the offline purchase to the POS corresponding to the store after receiving the proxy payment request,
Wherein the offline proxy processing apparatus further comprises: The method according to claim 1,
The performing unit
The method according to any one of claims 1 to 3, further comprising the steps of: generating, based on at least one of a period during which the proxy settlement is possible, an amount of the commodity corresponding to the offline purchase, a type of the commodity, And compares the pre-approval condition with the settlement information, and performs the proxy settlement when the settlement information satisfies the pre-approval condition. The method according to claim 1,
The estimated purchase information
And at least one of the at least one expected purchase product expected to be purchased by the user in the store and the expected payment amount expected to be used in the store by the user. The method of claim 7,
The proxy payer recommendation section
Taking into consideration at least one of a purchase pattern of the user in the group of merchant points corresponding to the store, a purchase pattern of the same user group as the user in the merchant group, benefit information provided in the store, A prospective product estimating unit that estimates at least one expected product to be purchased; And
An estimated amount of money for estimating the estimated amount of money to be paid in consideration of at least one of the purchase pattern of the user, the purchase amount information of one user in the store, and the one time purchase amount information of the same user group to the merchant group, government
And an offline proxy processing unit for processing the offline proxy processing. A check-in information collection unit for acquiring check-in information corresponding to a store into which the user has entered;
A user authentication unit for inputting user authentication information and performing authentication for the user;
A proxy settlement request unit for requesting a proxy settlement to the server based on a result of the user authentication; And
Performing additional authentication for additional authentication of the user corresponding to offline purchase corresponding to the store, and receiving a result corresponding to the proxy settlement,
The mobile terminal comprising: Receiving a proxy settlement request for offline purchase at the store from a mobile terminal checked into the store;
Recommending an optimal substitute payer of a plurality of substitute payer's on the basis of the estimated purchase information corresponding to the user; And
Performing proxy settlement based on the settlement point of the optimal settlement payer in consideration of the pre-approval conditions of the optimal settlement payer and the settlement information corresponding to the offline purchase
And an offline proxy payment processing method.

Images