KR20180015820A - Billing device according to battery remain, and billing method using the same - Google Patents

Abstract

The present invention relates to a billing device of which operation is based on the amount of battery power remaining and a billing method using the same, wherein a billing deep link is generated for a billing task in process during a billing procedure in process, if the amount of battery power remaining is equal to or less than a reference value, a user connected through the billing deep link can carry out the billing from a billing task in process. For the purpose, the present invention comprises: a battery for supplying electric power; a battery power remaining measurement unit for detecting the amount of battery power remaining; a billing unit for sequentially providing at least one billing procedure; and a billing deep link generation unit for generating a billing deep link with regard to the billing task in process by at least one billing procedure, if the amount of battery power remaining is less than a first capacity. The present invention discloses the billing device of which operation is based on the amount of battery power remaining and the billing method using the same, wherein a user connected through the billing deep link performs billing from the billing task in process from the billing unit.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a billing apparatus and a billing method,

The present invention relates to a settlement apparatus and a settlement method in accordance with a battery remaining amount state. More specifically, when the remaining amount of the battery is less than a reference value, a payment deep link related to a payment task in progress during a series of payment procedures is generated, and the user connected through the payment deep link performs payment from the payment task in progress The present invention relates to a settlement apparatus and a settlement method according to a battery remaining state capable of performing a settlement.

In the modern society, mobile terminals are widely used as a necessity for modern people as a means to conveniently communicate without any place. However, in recent mobile terminals, as the performance of the processor is improved and the resources of the memory are increased, various additional services are provided in various fields as well as the conventional mobile communication service.

As an example of the additional service, a so-called mobile payment service has been started, in which payment can be made using a portable terminal which has become a necessity for modern people without always having cash or a credit card for settlement.

Mobile payment service means providing payment services by accessing the financial and payment system on the wireless network using wireless specialized terminals such as mobile phones and PDAs. In the initial mobile payment service method, a method of transmitting a payment password using an SMS service provided by a mobile communication carrier together with user information using mobile phone subscriber information was mainly used. The most commonly used areas were small-sized payments such as access to paid online games and purchase of paid content on the wired Internet.

This mobile payment market has recently become more and more popular in the mobile phone market due to the active intervention of mobile service providers, the participation of financial institutions, the development of near-field wireless communication technology between mobile phones and merchant terminals, , And it is expanding to various services such as high-value payment in various commerce fields.

[0003] Meanwhile, portable terminals such as a camcorder, a digital camera, a notebook, a personal digital assistant (PDA), a wireless television, a web pad, a smart display and the like are converted from existing voice to multimedia such as video, data, e- Power modules are provided with various power consumption modules such as communication modules, so that the power consumption is rapidly increased, and the power is suddenly cut off when necessary.

In order to perform payment for a product or service through a portable terminal, complicated procedures such as membership registration, login, self-certification, agreement of a contract, selection of a product or service type, input of a delivery address, selection of a payment method, card number input, Therefore, if the power of the device in progress is interrupted during a payment task in progress during a series of payment procedures, there is a problem in that the user must give up the payment or input the complicated procedure again from the beginning.

In the present invention, when the remaining amount of the battery is equal to or less than a reference value, a payment deep link related to a payment task in progress during a series of payment procedures is generated, and a user connected through the payment deep link performs payment from the payment task in progress And more particularly to a payment device and a payment method according to a battery remaining amount state.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are not intended to limit the invention to the precise form disclosed. It can be understood.

According to an embodiment of the present invention, a payment apparatus according to a battery remaining amount state includes a battery for supplying power, a remaining battery amount measuring unit for detecting a remaining amount of the battery,

A settlement unit for sequentially providing at least one settlement procedure and a settlement dip for generating a settlement deep link for a settlement task in progress in the at least one settlement procedure when the remaining amount of the battery is smaller than the first capacity, And a link generation unit, wherein the user connected through the payment deep link performs settlement from the settlement task in progress in the settlement unit.

Further comprising a payment deep link transmission unit for transmitting the generated payment deep link to the user's e-mail or other terminal device when the remaining amount of the battery is smaller than the first capacity, The device can perform settlement from the payment task in progress through the payment deep link.

In addition, the at least one payment task may include a login procedure, an authentication procedure, and an information entry procedure.

In addition, the at least one payment task includes an NFC tagging procedure and an authentication procedure, and when the remaining amount of the battery is smaller than the first capacity, the NFC tagging procedure may be deactivated.

The settlement deep link generating unit may adjust the criterion of the first capacity according to the settlement information.

In addition, the payment information may include complexity of a payment procedure, an expected time to completion of payment, complexity of an authentication procedure, a payment amount level, or information on a product / service.

Further, the user can request additional authentication when connecting through the payment deep link.

Further comprising a payment deep link transmission unit for transmitting the generated payment deep link to a server when the remaining amount of the battery is smaller than the first capacity, The payment can be performed from the payment task in progress.

The server includes the authentication information of the user, and when the authentication information of the user input to the other terminal device matches the authentication information of the server,

Also, the server can receive the payment deep link from the server to the other terminal device.

Meanwhile, a payment method according to a battery remaining amount state according to an embodiment of the present invention includes a step of performing at least one payment procedure by a user, a step of measuring a remaining amount of the battery and comparing the remaining amount with a first capacity, Generating and storing a payment deep link for a settlement task in progress in the at least one settlement procedure if the first capacity is less than the first capacity, charging the battery, The step of connecting the user to the payment deep link and the step of performing the payment from the payment task that the user is in progress.

Meanwhile, according to another embodiment of the present invention, a payment method according to a battery remaining amount state includes a step of performing at least one payment procedure by a user, a step of measuring a remaining amount of the battery and comparing the remaining amount with a first capacity, Generating a payment deep link for a payment task that has been in progress in the at least one payment procedure if the payment amount is smaller than the first capacity, transmitting the payment deep link to the user's e-mail or other terminal device , Connecting the user to the payment deep link through the user's e-mail or other terminal device, and performing the payment from the payment task that the user is in progress.

According to another aspect of the present invention, there is provided a payment method according to a battery remaining amount status, comprising: performing at least one payment procedure by a user; measuring a remaining battery charge and comparing the remaining charge with a first charge; Generating a payment deep link for a payment task that has been in progress in the at least one payment procedure when the first payment is smaller than the first capacity, transmitting the payment deep link to the server, Receiving a deep link, connecting the payment link to the payment deep link, and performing payment from the payment task in which the user is currently performing the payment.

The payment device and the payment method according to the battery remaining amount status according to the present invention generate a payment deep link regarding an ongoing payment task in a series of payment procedures when the residual amount of the battery is less than a reference value, The connected user is able to perform settlement from the payment task in progress.

It should be understood, however, that the effects obtained by the present invention are not limited to the above-mentioned effects, and other effects not mentioned may be clearly understood by those skilled in the art to which the present invention belongs It will be possible.

FIG. 1 is a configuration diagram schematically illustrating a configuration in which a settlement apparatus and a server are driven using a settlement apparatus according to an embodiment of the present invention.
FIG. 2 is a configuration diagram schematically showing a settlement apparatus according to an embodiment of the present invention.
FIG. 3 is a screen showing a progress of a payment procedure for a plurality of settlements in a settlement method according to a remaining battery level status according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method according to a battery remaining amount status according to an embodiment of the present invention.
5 is a flowchart illustrating a payment method according to a battery remaining amount status according to another embodiment of the present invention.
6 is a flowchart illustrating a payment method according to a battery remaining amount status according to another embodiment of the present invention.
7 is a flowchart illustrating a payment method according to a battery remaining amount status according to another embodiment of the present invention.
FIG. 8 is a flowchart illustrating a payment method using a biometric sensor of a wearable device corresponding to input information of a settlement device according to another embodiment of the present invention.
9 is a graph showing changes in physical parameters occurring when a screen is touched.
10 is a flowchart illustrating a settlement method using authentication information of a server through a wearable device of a settlement device according to another embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The embodiments of the present invention are described in order to more fully explain the present invention to those skilled in the art, and the following embodiments may be modified into various other forms, It is not limited to the embodiment. Rather, these embodiments are provided so that this disclosure will be more faithful and complete, and will fully convey the scope of the invention to those skilled in the art.

Also, in the following drawings, each configuration is exaggerated for convenience and clarity of description, and the same reference numerals denote the same elements in the drawings. As used herein, the term "and / or" includes any and all combinations of any of the listed items.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention.

As used herein, the singular forms "a," "an," and "the" include singular forms unless the context clearly dictates otherwise. Also, " comprise "and / or" comprising "when used herein should be interpreted as specifying the presence of stated shapes, numbers, steps, operations, elements, elements, and / And does not preclude the presence or addition of one or more other features, integers, operations, elements, elements, and / or groups.

<Payment Apparatus According to the Embodiment>

FIG. 1 is a configuration diagram schematically illustrating a configuration in which a settlement apparatus using a settlement apparatus according to an embodiment of the present invention is driven with a server. FIG. 2 is a schematic diagram illustrating a configuration of a battery remaining amount status according to an embodiment of the present invention. Fig. 2 is a schematic view showing a payment apparatus according to the embodiment of the present invention.

1 and 2, the settlement apparatus 10 according to an embodiment of the present invention can be implemented as a mobile device capable of driving an application related to settlement and communicating with the outside wirelessly, A smart phone 11, a pad 12, a wearable device 13, a notebook computer (not shown), a PDA (not shown), and the like.

Here, the wearable device 13 is a device that can be worn on a part of a user's body, and can be a wearable device that can be worn on the wrist of a user (for example, a smart watch or a smart band) Lt; / RTI &gt;

In addition, a series of approval procedures can be performed through the settlement apparatus 10 in which the wearable device 13 is interlocked. For example, when the remaining amount of the battery 111 of the settlement apparatus 10 interlocked with the face wearable device is equal to or less than the first capacity, if the executing settlement task requests the iris recognition information, The iris recognition information of the wearer can be detected through the camera provided in the face wearable device and transmitted to the settlement apparatus 10. [ Thereafter, the user authentication procedure related to the settlement task of the payment apparatus 10 is performed through the received iris recognition information. At this time, when the payment task executed in the payment apparatus 10 requires a high security level, the first iris recognition information detected by the face wearable device camera and the second iris recognition information detected by the camera of the settlement apparatus 10 It is possible to perform a user authentication procedure associated with the settlement task.

In addition, the settlement apparatus 10 may provide settlement event information, which is determined according to the remaining amount of the battery 111 and proceeds according to embodiments described later, on the screen as an indicator for the convenience of the user.

On the other hand, when power is cut off due to insufficient remaining amount of the mobile device during the settlement procedure, when the screen of the settlement apparatus 10 is activated by the power supply, the list of at least one settlement task among the settlement events Can be displayed.

Here, if the suspended payment task is at least two or more, the displayed payment task can be collectively processed through user authentication through unlocking the home screen of the payment apparatus 10. [ At this time, if one of the suspended payment tasks requires a high level of security, it can be displayed on the screen in combination with unlocking to perform (request) additional authentication procedures.

The settlement apparatus 11 according to an embodiment of the present invention includes a battery 111, a remaining amount measuring unit 112, a settlement unit 113, A payment deep link generation unit 114 and a payment deep link transmission unit 115. [

The battery 111 may be a rechargeable secondary battery that supplies power to another driving device in the settlement apparatus 11, and is preferably a lithium ion secondary battery capable of high output. The battery 111 includes a circuit module (not shown) that is electrically connected to at least one chargeable / dischargeable battery cell and an electrode terminal of the battery cell to protect the battery cells and to measure a remaining capacity (SOC) ). &Lt; / RTI &gt;

Such a circuit module can measure the remaining capacity of the unit battery cells constituting the battery 111 as described above, and can detect the charging state and the heat generation state of the battery cell in real time.

The remaining amount measuring unit 112 is provided in the settlement apparatus 11 in a separate configuration and is capable of measuring the capacity of the battery 111. The remaining capacity measuring unit 112 is electrically connected to the battery cell of the battery 111 Connected circuit module, and the present invention is not limited thereto.

Also, in one embodiment of the present invention, when the user is performing a payment procedure for the payment event, the remaining amount measuring unit 112 may measure the capacity of the battery 111 by using the trigger command. If the capacity of the battery 111 is less than a preset reference value, the remaining amount measuring unit 112 continuously measures the capacity of the battery 111 and restricts the power supply to the selectively driven application or device according to the capacity of the battery 111 have. Also, the remaining amount measuring unit 112 can visually guide the user of the measured capacity of the battery 111.

If the battery remaining amount is equal to or less than the first capacity, the remaining amount measuring unit 112 may control the settlement apparatus 11 to a settlement standby mode in a low power state in which no other application except the payment application is executed in the settlement apparatus 11 In the payment standby mode, only the payment app can be executed, and the task related to settlement (user authentication - fingerprint / iris recognition) is possible. Here, it is possible to visually distinguish between these payment apps and other apps on the home screen.

Meanwhile, when the capacity of the battery 111 is equal to or less than a preset reference value, the remaining amount measuring unit 112 can change the existing first authentication means to a second authentication means having relatively low battery consumption.

For example, an existing first authentication means having a high battery consumption may be an authentication means through a sensor, and the authentication means through a sensor may include EEG, ECG, PPG, SPO2, brain waves, fingerprint recognition sensor, A recognition sensor, a speech recognition sensor, an image sensor, a motion sensor, and the like.

Also, the second authentication means, which has relatively low battery consumption, may include receiving authentication information stored in the server, authentication procedures on the interface (utilization of login information, utilization of user ID, etc.), security key input, unlock input, and the like.

However, according to the security level (determined according to the payment amount, the payment list, etc.) used for completing the settlement procedure, it can be determined whether the settlement processing can be performed by only the second authentication means that consumes less battery. If it is determined that the payment information can not be executed, the other authentication device can guide the user to proceed with the settlement process.

Here, the payment event may be executed by executing a payment application (interface) of the payment unit 113, displaying the payment information on the screen of the payment apparatus 11, browsing / loading the payment list, Or all of the events related to the settlement such as receiving the settlement-related information from the cloud / server by the settlement apparatus 11 or browsing or displaying the settlement card information stored in the card company or the payment mobile device .

The settlement unit 113 can visually provide the user with a settlement task related to the settlement event related to the settlement event from the settlement apparatus 11 and can receive the information (authentication) of the user related to the settlement, .

For example, the settlement unit 113 may be configured as a settlement application (interface) that can be driven by the settlement apparatus 11, and the settlement unit 113 of the present invention is not limited to any particular application.

As shown in FIG. 3, the settlement unit 113 can simultaneously execute a plurality of settlement tasks T. Here, the payment task visualized as the payment procedure P1 is in the process of payment, and the payment event visualized as the payment procedure P2 is the completion of the payment task.

Here, although not clearly shown, the payment procedure corresponding to each payment event may have a plurality of payment tasks, and may include a login procedure, an authentication procedure, and an information input procedure, and may include a membership subscription procedure, Selection procedures, additional authentication procedures, and so on.

The settlement deep link generating unit 114 generates a settlement deep link based on the progress of the settlement procedure of each settlement event performed by the settlement unit 113 and the capacity data of the battery 111 measured by the remaining amount measuring unit 112, If the link generation condition is satisfied, a payment deep link is generated.

That is, the payment deep link generating unit 114 is activated by a trigger command when the user is performing a payment procedure for a payment event, and when the measured capacity of the battery 111 is equal to or less than a preset first capacity, The settlement unit 113 generates a settlement deep link which can directly access to the page in which the settlement procedure most recently activated is in progress. Of course, in the page directly connected to the payment deep link, the login information, the authentication information, the payment means information, the delivery destination information and / or the additional authentication information inputted by the user in the previous payment procedure are encrypted and stored.

Here, it is preferable that the first capacity is set to approximately 5% to 10% of the capacity of the buffered battery 111, and the settlement deep link generation unit 114 generates a settlement procedure The complexity of the payment, the estimated time to completion of the payment, the complexity of the authentication procedure, the payment amount level, or the payment information including the product / service information.

The user is provided with the settlement apparatus 11 when the settlement apparatus 11 is being charged or after the charge reaches the first capacity or more after the settlement apparatus 11 is turned off during settlement It is possible for the most recently activated payment task via the payment deep link to directly access the page in progress. Therefore, the user does not need to reenter the previously input information (login information, authentication information, payment means information, delivery destination information, and / or additional authentication information) to end the payment event.

3, the user can select one of the progress rates of a plurality of payment procedures visually provided on the screen of the payment apparatus 11 to sequentially complete the remaining payment tasks.

On the other hand, when the payment event is an event of tagging the settlement apparatus 11 to the payment terminal (card terminal) offline, the payment unit 113 may provide an NFC (Near Field Communication) function, 113) may include an NFC tagging procedure and an authentication procedure. Therefore, when the remaining amount of the battery 111 is smaller than the first capacity, the payment unit 113 makes a payment in the NFC tagging procedure, and the payment deep link generating unit 114 transmits a payment deep link . In the future, the user can complete the authentication process through the payment deep link and complete the settlement event that has been settled.

The settlement apparatus 10 according to an embodiment of the present invention includes the deep link transmission unit 115 and transmits the payment deep link generated in the payment deep link generation unit 114 to another payment apparatus 11, 12, 13), e-mail, or server (20).

That is, after the power of the first settlement apparatus 11 is turned off during the settlement, the user selects the settlement deep link which has been most recently activated in the second settlement apparatus 12, 13 via the settlement deep link transmitted from the first settlement apparatus 11 It is possible to directly connect to the page where the payment task is in progress. Therefore, the user does not need to reenter the previously input information (login information, authentication information, payment means information, delivery destination information, and / or additional authentication information) to end the payment event.

Here, the second settlement apparatus 12, 13 can perform the settlement task with the user having the access right / control authority on the payment interface, including the mobile apparatus of another mobile apparatus worn by the user or worn by the user or another user And a digital device (a common device, a payment terminal, etc.). However, even if the first authentication procedure is completed during the payment process, the second payment apparatuses 12, 13 to request the user to perform the authentication procedure again, so that the target page connected through the payment deep link can be changed.

It is also possible to change the authentication means to be paged in the payment task page connected via the payment deep link in the second payment apparatuses 12 and 13 to another authentication means based on the means capable of authenticating in the second payment apparatuses 12 and 13 It is possible.

For example, when the fingerprint recognition method is performed in the payment authentication of the specific payment page in the first payment device 11, the second payment device 12, 13 receiving the payment deep link does not have the fingerprint recognition sensor (Iris information, blood vessel shape, pulse information, and the like). Here, the correction of the other authentication means can be performed according to the setting registered at the same authentication level.

Here, not only the fingerprint but also the iris, the vein, the face, etc., can be utilized, and the risk of leakage of the biometric information can be fundamentally blocked by converting it into a unique code. This is a public authentication technology that combines PKI and Fast Identity Online (FIDO), a global biometric standard. In PKI, a private key and a public key are paired. The private key is protected separately and an encrypted public key is transmitted through an authentication server It is desirable to set the information contained in the private key not to be leaked.

On the other hand, in the case where the settlement deep link is stored or received by the first settlement apparatus 11 or the second settlement apparatus 12, 13, when the display of the settlement apparatuses 11, 12, 13 is activated, Is a payment deep link connection guidance screen.

In addition, when a payment deep link is generated for a plurality of payment events, the payment list and the payment procedure progress status can be provided on one display screen as shown in FIG. In this case, a plurality of payment events displayed on the screen can be switched to a final payment completion state by inputting one authentication information. In this case, in the case of a payment event having a high authentication request level among a plurality of payment events, It is possible to request additional authentication information input without switching to the completion status.

Also, as described above, the deep link transmission unit 115 can transmit the payment deep link generated in the payment deep link generation unit 114 to the server 20.

The server 20 is capable of communicating with other payment apparatuses 11, 12 and 13 of the user through wired or wireless communication so that the payment apparatuses 11, 12 and 13 receive the payment deep link, 13). &Lt; / RTI &gt; Accordingly, after the power of the first settlement apparatus 11 is turned off during the settlement, the user receives the settlement deep link transmitted from the first settlement apparatus 11 to the server 20, 13), it is possible for the most recently activated payment task to access the ongoing page directly. Therefore, the user does not need to reenter the previously input information (login information, authentication information, payment means information, delivery destination information, and / or additional authentication information) to end the payment event.

Here, assuming that the second payment apparatuses 12 and 13 are terminals of other persons, for example, when the user connects to the server 20 through the second payment apparatuses 12 and 13, The second payment apparatuses 12 and 13 may attempt to access and connect to the server 20 through various communication means when touching the fingerprint sensor module of the apparatuses 12 and 13, Information about the access and connection status can be displayed on the display of the second payment device 12, 13.

If the access and connection of the user is permitted in the server 20, the fingerprint information of the user inputted and the fingerprint information of the user stored in the server 20 are compared and analyzed. If they match, the second payment apparatuses 12 and 13 Provide payment deep link access. However, if they are not the same or there is a restriction on the authentication means input, the server 20 may request another authentication means.

In addition, the server 20 can request the user for a plurality of pieces of authentication information (previously stored fingerprint information, iris information, login information, blood pressure information, body temperature information, activity information, etc.) according to the payment information of the payment event.

&Lt; Payment method according to the embodiment >

FIG. 4 is a flowchart illustrating a payment method according to a battery remaining amount state according to an embodiment of the present invention, FIG. 5 is a flowchart illustrating a payment method according to a battery remaining amount state according to another embodiment of the present invention, FIG. FIG. 7 is a flowchart illustrating a payment method according to a battery remaining amount status according to another embodiment of the present invention. FIG. 7 is a flowchart illustrating a payment method according to a battery remaining amount status according to another embodiment of the present invention.

Referring to FIG. 4, a payment method according to a battery remaining amount state according to an embodiment of the present invention includes a step S11 of determining a payment event occurrence, a step S12 of determining completion of payment, (S14) of generating a payment deep link (S14), confirming a battery state (S15), and connecting to a payment deep link (S16).

In the step S11 of determining the occurrence of the payment event, when the payment event occurs as described above, the payment apparatus 10 determines the occurrence of the payment event and provides a payment procedure to the user.

Here, it is possible to execute the payment application (interface) of the payment unit 113, to display the payment information on the screen of the payment apparatus 11, to read / load the payment list, It can be determined that a payment event has occurred when all the payment-related events are received by the payment apparatus 11 or by viewing or displaying the payment card information stored in the card company or the payment mobile device.

In step S12, the payment unit 113 determines whether the payment process provided to the user is completed. If it is determined that the payment process has been completed, the payment unit 113 determines that the payment process is completed. The process proceeds to step S13.

In the step S13 of comparing the battery remaining amount with the first capacity, when the remaining amount of the battery 111 measured by the remaining amount measuring unit 112 during the payment task is not completed and the settlement procedure is not completed, Or less.

Here, it is preferable that the first capacity is set to approximately 5% to 10% of the capacity of the buffered battery 111, and the settlement deep link generation unit 114 generates a settlement procedure The complexity of the payment, the estimated time to completion of the payment, the complexity of the authentication procedure, the payment amount level, or the payment information including the product / service information.

In step S14 of generating the payment deep link, if it is determined in step S13 that the remaining amount of the battery 111 is equal to or less than the predetermined first capacity, the settlement deep link is started Create a payment deep link (deeplink) that allows direct access to the page. Of course, in the page directly connected to the payment deep link, the login information, the authentication information, the payment means information, the delivery destination information, and / or the additional authentication information inputted by the user in the previous payment task are encrypted and stored.

In step S15 of checking the state of the battery, if the remaining amount of the battery 111 is equal to or less than the predetermined first capacity, or after the power of the payment apparatus 11 is cut off during payment, It is confirmed that the capacity of the battery 111 is equal to or greater than the first capacity.

Thereafter, in step S16 connecting to the payment deep link, a payment deep link is provided to the user, and the user directly accesses the page in progress through the payment deep link provided to the payment apparatus 11, It is possible to do. Therefore, the user does not need to reenter the previously input information (login information, authentication information, payment means information, delivery destination information, and / or additional authentication information) to end the payment event. 3, the user can select one of the progress rates of a plurality of payment tasks visually provided on the screen of the payment apparatus 11, and complete the remaining procedures sequentially.

Referring to FIG. 5, a payment method according to a battery remaining amount status according to another embodiment of the present invention includes a step S11 of determining the occurrence of a payment event, a step S12 of determining completion of payment, (S13) generating a payment deep link (S14), transmitting a payment deep link (S25), and connecting to a payment deep link (S26).

5, S12, S12, S13, S14, S14, S12, S14, S14, S12, S13, S14, (S25, S25, S13, and S14 of FIG. 4), the step of transmitting the payment deep link of FIG. 5 (S25) and the step of connecting to the payment deep link Will be described in detail.

In step S25 of transmitting the payment deep link, the payment deep link generated in the payment deep link generating unit 114 is directly transmitted to another payment apparatus 11, 12, 13 or e-mail of the user.

In step S26 of connecting to the payment deep link, after the power of the first settlement apparatus 11 is turned off during the settlement of the user, the settlement deep link is transmitted to the second settlement apparatus 11 through the settlement deep link transmitted from the first settlement apparatus 11 12, 13), it is possible for the most recently activated payment task to access the ongoing page directly. Therefore, the user does not need to reenter the previously input information (login information, authentication information, payment means information, delivery destination information, and / or additional authentication information) to end the payment event.

Here, the second settlement apparatus 12, 13 can perform the settlement task with the user having the access right / control authority on the payment interface, including the mobile apparatus of another mobile apparatus worn by the user or worn by the user or another user And a digital device (a common device, a payment terminal, etc.). However, even if the first authentication procedure is completed during the payment process, the second payment apparatuses 12, 13 to request the user to perform the authentication procedure again, so that the target page connected through the payment deep link can be changed.

It is also possible to change the authentication means to be paged in the payment task page connected via the payment deep link in the second payment apparatuses 12 and 13 to another authentication means based on the means capable of authenticating in the second payment apparatuses 12 and 13 It is possible.

For example, when the fingerprint recognition method is performed in the payment authentication of the specific payment page in the first payment device 11, the second payment device 12, 13 receiving the payment deep link does not have the fingerprint recognition sensor (Iris information, blood vessel shape, pulse information, and the like). Here, the correction of the other authentication means can be performed according to the setting registered at the same authentication level.

Here, not only the fingerprint but also the iris, the vein, the face, etc., can be utilized, and the risk of leakage of the biometric information can be fundamentally blocked by converting it into a unique code. This is a public authentication technology that combines PKI and Fast Identity Online (FIDO), a global biometric standard. In PKI, a private key and a public key are paired. The private key is protected separately and an encrypted public key is transmitted through an authentication server It is desirable to set the information contained in the private key not to be leaked.

On the other hand, in the case where the settlement deep link is stored or received by the first settlement apparatus 11 or the second settlement apparatus 12, 13, when the display of the settlement apparatuses 11, 12, 13 is activated, Is a payment deep link connection guidance screen.

In addition, when a payment deep link is generated for a plurality of payment events, the payment list and the payment procedure progress status can be provided on one display screen as shown in FIG. In this case, a plurality of payment events displayed on the screen can be switched to a final payment completion state by inputting one authentication information. In this case, in the case of a payment event having a high authentication request level among a plurality of payment events, It is possible to request additional authentication information input without switching to the completion status.

Referring to FIG. 6, a payment method according to a remaining battery state according to another embodiment of the present invention includes determining (S11) a payment event occurrence, determining a payment completion (S12) (S13) generating a payment deep link (S14), transmitting a payment deep link (S35), and connecting to a payment deep link (S36).

6, step S12, step S13, step S13, step S14, step S14, step S15, step S15, Is the same as the steps S11, S12, S13, and S14 of FIG. 4, and detailed description thereof is omitted. In the step S35 of transmitting the payment deep link of FIG. 6 and the step S36 of connecting to the payment deep link Will be described in detail.

In step S35 of transmitting the payment deep link, the payment deep link generated in the payment deep link generating unit 114 is transmitted to the server 20.

The server 20 can communicate with other payment apparatuses 11, 12 and 13 in a wired or wireless manner at the step S36 of connecting to the payment deep link, And at the same time, provide payment deep link to the settlement apparatuses 11, 12, 13. Accordingly, after the power of the first settlement apparatus 11 is turned off during the settlement, the user receives the settlement deep link transmitted from the first settlement apparatus 11 to the server 20, 13), it is possible for the most recently activated payment task to access the ongoing page directly. Therefore, the user does not need to reenter the previously input information (login information, authentication information, payment means information, delivery destination information, and / or additional authentication information) to end the payment event.

Here, assuming that the second payment apparatuses 12 and 13 are terminals of other persons, for example, when the user connects to the server 20 through the second payment apparatuses 12 and 13, The second payment apparatuses 12 and 13 may attempt to access and connect to the server 20 through various communication means when touching the fingerprint sensor module of the apparatuses 12 and 13, Information about the access and connection status can be displayed on the display of the second payment device 12, 13.

If the access and connection of the user is permitted in the server 20, the fingerprint information of the user inputted and the fingerprint information of the user stored in the server 20 are compared and analyzed. If they match, the second payment apparatuses 12 and 13 Provide payment deep link access. However, if they are not the same or there is a restriction on the authentication means input, the server 20 may request another authentication means.

In addition, the server 20 can request the user for a plurality of pieces of authentication information (previously stored fingerprint information, iris information, login information, blood pressure information, body temperature information, activity information, etc.) according to the payment information of the payment event.

Referring to FIG. 7, a payment method according to a remaining battery state according to another embodiment of the present invention includes a step S41 of determining occurrence of a payment event, a step S42 of comparing a battery remaining amount with a first capacity, (Step S44), a step S45 (step S46), a step S46 (step S46), and a step S47 (step S47) to connect the payment deep link to the payment deep link .

In the step S41 of determining whether the payment event has occurred, it is determined that the payment event via the NFC occurs when the payment apparatus 10 contacts / approaches the payment terminal (not shown).

In step S42 of comparing the battery remaining amount with the first capacity, a remaining amount of the battery 111 measured by the remaining amount measuring unit 112 during a payment event contacting / Capacity or less.

Here, it is preferable that the first capacity is set to approximately 5% to 10% of the capacity of the buffered battery 111, and the settlement deep link generation unit 114 generates a settlement procedure The complexity of the payment, the estimated time to completion of the payment, the complexity of the authentication procedure, the payment amount level, or the payment information including the product / service information.

When the remaining amount of the battery 111 measured in step S42 is determined to be sufficient, the payment event through the general NFC proceeds and is completed.

If it is determined in step S44 that the remaining amount of the battery 111 measured in step S42 is not enough to terminate the settlement event, Go ahead (go-in person).

In step S45 of generating the payment deep link, a payment deep link is created in step S44, in which the payment task after payment is directly accessible to the page in progress.

In step S46 of checking the state of the battery, if the remaining amount of the battery 111 is equal to or less than the predetermined first capacity, or after the power of the payment apparatus 11 is cut off during payment, the payment apparatus 11 is being charged or charged It is confirmed that the capacity of the battery 111 is equal to or greater than the first capacity.

Thereafter, in step S47 of connecting to the payment deep link, a payment deep link is provided to the user, and the user can directly access the page in which payment is in progress through the payment deep link provided to the payment apparatus 11. [ Accordingly, the user can complete the payment event that has been passed through the payment deep link.

Here, the user authentication information inputted for unlocking the screen is a trigger command for displaying the payment authentication interface (page shift by payment authentication deep link). The unlocking user authentication information may be used as the settlement authentication information according to the list / amount / authentication security level of payment, or the like without any separate authentication procedure. That is, the payment authentication interface displayed after unlocking can process payment authentication for all payment events without requiring additional authentication means.

However, if an additional authentication procedure is required according to the list / amount / authentication security level of settlement, the user authentication means and the authentication means other than the unlocking can be determined and requested. For example, when the lock is released by fingerprint recognition, the payment authentication means may proceed to request iris recognition means other than the fingerprint recognition means. That is, other authentication means can be activated (authentication means sensor activation, pin / authorized authentication interface display, etc.).

&Lt; Embodiment of Payment Deep Link Transmission According to Conversation Interface >

When the payment keyword related to payment is extracted in the conversation contents (text, voice information analysis) during the conversation with the other party on the conversation interface, the payment unit 113 calculates the remaining amount of the battery 111 of the payment apparatus 10 And determines whether the battery remaining amount corresponds to the first capacity or less.

If the remaining amount of the battery 111 falls below the first capacity, a payment deep link based on the above-mentioned settlement related keyword is generated and stored in the second payment apparatuses 12 and 13 Transfers payment deep link. Herein, the payment deep link includes a deep link form for directly connecting to a target page, and the user can select another payment device (hereinafter, referred to as &quot; payment deep link &quot; 12, 13). Also, the payment deep link is updated based on a change in conversation contents with a pattern of a predetermined time period until the battery 111 is finally blocked, and the target page connected via the payment deep link is blocked It can be finalized based on the previous conversation.

The settlement deep link before the battery 111 is disconnected is transmitted in various forms (icons, messages, voices, images, etc.) based on the interface characteristics of the specific applications of the second payment apparatuses 12 and 13 of the user And if the settlement related application is not installed in the second settlement apparatus 12 or 13, the target page to be directly connected may be changed to the install page.

In addition, the second settlement apparatuses 12 and 13 receiving the settlement deep link may include a step of confirming that they are the same users as the first settlement apparatus 11. [ That is, the second payment apparatus 12, 13 receiving the payment deep link receives the received payment deep link information as a trigger command and transmits the sensor means (EEG, ECG, PPG, A fingerprint sensor, an electroencephalogram sensor, a microphone, a motion sensor, an image sensor, etc.) can be automatically activated. Determines whether or not the same user is present between the first payment device (11) and the dialogue device by the activated sensor means, and passes the user authentication procedure in the payment application installation and payment authentication when the same is applied to the same user (skip).

Also, the payment deep link can be transmitted to the conversation partner on the conversation interface, and the recipient who receives the payment deep link in the form of a message on the conversation interface can perform settlement on behalf of the recipient. If the conversation partner's payment progress through the payment deep link is accompanied by the access right of the user and the authentication procedure, the other party's payment progress may be restricted.

At this time, if it is confirmed that the human relationship between the conversation partner and the user is a predetermined human relationship (whether it is a family relationship or a friend through a conversation ID), or if it is confirmed through a human intelligence (AI) It is possible to act as a payment agent through payment deep link received by the other party.

In the case of the predetermined human relationship, it includes a case in which the payment related authentication procedure is performed beforehand in the specific payment information (in the limited payment amount range, not based on the personal information, etc.) The payment can be finally performed in place of the user's authentication procedure through only the procedure.

In contrast, when the payment deep link does not have a predetermined human relationship with the other party to be transmitted, the authentication performing method for the other party is different, and the target page of the payment deep link may be determined differently according to the authentication result of the other party .

If the settlement deep link is received through the chat window, the settlement deep link may be transmitted through the second settlement device 12 or 13 which can access / use the chat window in addition to the first settlement device 11, The procedure can be performed continuously. In this case, when a specific visual object (icon, button, or the like) of the chat window is touched or input for payment of a specific item or a certain amount of money during a conversation with the other party through a chat window, If a separate user authentication procedure is required, the user is automatically logged out or locked, and the login information or the unlocking information entered thereafter is authenticated for payment / remittance processing Information can be recognized and processed.

In the case where the context in which the transfer / settlement processing is inappropriate is recognized due to the nature of the last conversation in the chat window, the transfer / settlement processing is automatically restricted or the remittance / settlement processing information In the form of a deep link, and further request the user authentication of the specific human relationship after confirming the remittance / settlement information.

This is because the inadequate context of the remittance / settlement processing due to the nature of the conversation includes 1) a settlement amount, a list / service, a payment card, a settlement time, and a remittance object which are not suitable for analyzing a conversation message text; 2) (Such as drinking, lack of consciousness), psychological state (stress, anxiety, compulsion, etc.) based on information, activity / schedule information and the like.

As a result of analyzing the conversation text in the chat window, another payment interface is displayed even if the same payment progress command is input. Specifically, the content of the payment interface to be displayed overlaid on the chat window is changed based on the context (objective, current financial situation of the user, human relationship, etc.) related to payment or remittance as a result of text analysis. Or the payment deep link to be transmitted to the other second payment device 12, 13 of the user or the user based on the context related to the settlement / remittance.

For example, when remitting the rice price to the communication partner, the user can remit money appropriately considering the current financial situation of the communication partner, the type / price of the nearby restaurants based on the GPS information where the communication partner is located, the favorite food of the communication partner, meal time, A recommendation list of a meal amount to be prepared can be generated.

As another example, when remittance money is sent to a conversation partner, a recommendation list of a suitable congregation amount can be generated in consideration of the human relationship with the target partner of the congratulation and desire to communicate through the conversation partner as well as the communication partner, financial status, and the like.

<Examples of Wearable Device Authentication Information Utilization>

Referring to FIG. 8, the wearable wearable device 13 of the wearer can detect a specific current generated when a touch is input to the touch screen of the payment devices 11 and 12 or various sensor modules. Here, a table for a specific current generated upon touch input may be stored in various sensor modules (blood pressure measuring sensor, fingerprint sensor, touch screen, fingerprint sensor combined touch screen, etc.) of the wearable device 13.

(For example, a change in electrostatic capacity, a change in blood flow volume of a touch body part / a change in blood pressure / a temperature of a touching body part) generated in a touch finger of the sensor module depending on the type of each sensor module of the payment device 11, Change, etc.) is changed and a predetermined value is stored in the wearable device 13. Here, if the change value of the physical parameter generated by the touch event to the sensor module satisfies the preset value, the wearable device 13 can recognize the physical parameter change value as the authentication trigger command.

9, the change value of the physical parameter varies depending on the touch characteristics (touch time, single / multi-touch, touch pressure intensity, touch trajectory, etc.) of the sensor module, .

 At this time, the change amount of the physical parameter changed by the touch event can be measured with reference to the blood flow amount, blood pressure, temperature value, etc. of the user sensed by the wearable device 13 immediately before the touch event. And recognizes the change in the measured physical parameter as the authentication trigger command when it is recognized that the amount of change in the measured physical parameter is the information by touch input to each sensor module for the payment apparatuses 11 and 12. [

Activates the authentication means (biometric information recognition sensor, physical motion recognition sensor, etc.) provided in the wearable device 13 by the authentication trigger instruction and transmits the recognized authentication information to the payment devices 11 and 12 . At this time, the type / sensing method (period, intensity, etc.) of the authentication sensor to be activated may be differently determined according to the characteristics of the payment information (settlement card, settlement time / place, amount of payment, etc.) .

The authentication information of the wearable device 13 may be transmitted to the settlement apparatuses 11 and 12 using the body of the user as a medium and the settlement apparatuses 11 and 12 may be associated with settlement And transmits the payment instruction information to the wearable device 13 through the body. At this time, when the authentication information is exchanged by the human body communication method, the condition that the touch of the sensor module of the payment device (11, 12) is maintained for a predetermined time or more must be satisfied. Alternatively, the wearable device 13 or the payment device 11 or 12 may provide feedback on the touch holding time, touch pressure time / intensity, or guide information so that the touch is held for a predetermined time or longer.

10, the wearable device 13 recognizes an authentication trigger command generated by a touch event of the payment apparatuses 11 and 12, and the wearable device 13 transmits the authentication trigger command to the server 20). &Lt; / RTI &gt; If the user of the wearable device 13 is a user who has an access right to the server 20, the payment information (card information, etc.) requested by the authentication trigger command, user personal information, authentication information, Lt; RTI ID = 0.0 &gt; 20. &Lt; / RTI &gt; At least one of the payment information stored in the server 20, the user's personal information and the authentication information is selected and received according to the payment progressing step of the payment unit 113 (application) driven by the payment apparatuses 11 and 12 Accordingly, the settlement authentication procedure can be processed.

The authentication information sensed by the wearable device 13 is transmitted to the payment apparatuses 11 and 12 by a wireless communication method or a human body communication method. At this time, before transmission of the authentication information, an additional input for transmission is requested (a space gesture, Touch input, voice input, etc.).

The wearable device 13 detects the health state / psychological state through the authentication information sensed by the wearable device 13, and if it corresponds to the pre-set psychological state / health state information that restricts payment / (11, 12). In addition, the wearable device 13 can transmit a command to the payment apparatuses 11 and 12 to instruct the settlement apparatuses 11 and 12 to limit / suspend settlement.

The user authentication information of the device implanted in the body of the user is transmitted to the wearable device 13 through human body communication using the human body as a medium and the wearable device 13 transmits the authentication information of the implantable device and the authentication information of the wearable device Can be collected and transmitted to the settlement apparatuses (11, 12).

The user authentication information acquired from the wearable device 13 may be transmitted to the settlement devices 11 and 12 in the form of a payment deep link. The settlement apparatuses 11 and 12 can receive the payment deep link, check the authentication information on the payment in progress interface, and finally settle the payment through payment confirmation. When the deep link to the authentication information is browsed, an additional authentication procedure may be required.

9, t1 is a sensor information interval of the wearable device 13 before an input event to the sensor unit of the settlement device occurs, t2 is a time when the input event to the settlement device sensor unit occurs And then the sensor information section of the wearable device 13.

The physical / physiological parameter changes according to the touch event of the sensor unit may be changed according to the touch event characteristics (touch type, sensor module type, touch time / intensity / pattern / pressure, etc.) and physiological / The initial condition for the trigger command of the authentication is determined differently.

For example, the average pulse count detected by the wearable device 13 before the touch event is 110, and the number of pulses detected by the wearable device 13 in a state where the touch is maintained after the touch event may be 140 or more. At this time, in the case of the context information such as the user's body information / activity information, an event in which the pulse number is suddenly increased is not generated, and the information in which the pulse rate is increased to 30 or more is detected in the user's specific body part (thumb) When it corresponds to the preset information based on the touch input event, it is recognized as a trigger instruction of settlement authentication.

The wearable device 13 can recognize a specific physical / physiological parameter value generated when a touch is made to the sensor unit of the payment apparatuses 11 and 12 as a trigger command even if the battery is discharged due to the absence of a remaining battery charge. Also, the biometric sensor of the wearable device 13 may be activated or the authentication information stored in the user's server may be loaded through the wearable device 13 due to the trigger command.

Although the present invention has been described in connection with what is presently considered to be preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

10, 11, 12, 13: Payment device
111: Battery 112:
113: settlement unit 114: settlement deep link generation unit
115: Payment Deep Link Transmission Unit

Claims (12)

A battery for supplying power;
A remaining amount measuring unit for measuring the remaining amount of the battery;
A settlement unit for sequentially providing at least one settlement procedure; And
A payment deep link generating unit for generating a payment deep link relating to a payment task in progress in the at least one payment procedure when the remaining amount of the battery is smaller than the first capacity; Lt; / RTI &gt;
Wherein the user connected through the payment deep link performs the payment from the payment task in progress in the payment unit.
The method according to claim 1,
And a payment deep link transmission unit for transmitting the generated payment deep link to the user's e-mail or other terminal device if the remaining amount of the battery is smaller than the first capacity,
And the user performs settlement from the settlement task in progress through the settlement deep link at the other terminal device.
The method according to claim 1,
Wherein the at least one payment task includes a login procedure, an authentication procedure, and an information input procedure.
The method according to claim 1,
Wherein the at least one payment task comprises an NFC tagging procedure and an authentication procedure,
And the NFC tagging procedure is performed when the remaining amount of the battery is smaller than the first capacity.
The method according to claim 1,
Wherein the payment deep link generating unit adjusts the criterion of the first capacity according to the payment information.
6. The method of claim 5,
Wherein the payment information includes a complexity of a payment procedure, an expected time to completion of payment, a complexity of an authentication procedure, a payment amount level, or information on a product / service.
The method according to claim 1,
And requests further authentication to the user when connecting through the payment deep link.
The method according to claim 1,
And a payment deep link transmission unit for transmitting the generated payment deep link to the server when the remaining amount of the battery is smaller than the first capacity,
Wherein the user performs settlement from the settlement task in progress through the settlement deep link provided by the server.
9. The method of claim 8,
Wherein the server includes authentication information of the user,
If the authentication information of the user input to the other terminal device matches the authentication information of the server,
And the payment deep link is transmitted from the server to the other terminal device.
10. A settlement method using a payment device according to any one of claims 1 to 9,
The user performing at least one payment procedure;
Measuring the remaining amount of the battery and comparing the remaining amount with the first capacity;
Generating and storing a payment deep link for a payment task in progress in the at least one payment procedure if the remaining amount of the battery is less than the first capacity;
Charging the battery;
Connecting the user to the payment deep link if the remaining amount of the battery is greater than the first capacity; And
Performing settlement from the payment task that the user is in progress; And determining whether or not the remaining capacity of the battery is less than a predetermined value.
10. A settlement method using a payment device according to any one of claims 1 to 9,
The user performing at least one payment procedure;
Measuring the remaining amount of the battery and comparing the remaining amount with the first capacity;
Generating a payment deep link for a payment task in progress in the at least one payment procedure if the remaining amount of the battery is less than the first capacity;
Sending the payment deep link to the user's e-mail or other terminal device;
Connecting the user to the payment deep link via the user's email or other terminal device; And
Performing settlement from the payment task that the user is in progress; And determining whether or not the remaining capacity of the battery is less than a predetermined value.
10. A settlement method using a payment device according to any one of claims 1 to 9,
The user performing at least one payment procedure;
Measuring the remaining amount of the battery and comparing the remaining amount with the first capacity;
Generating a payment deep link for a payment task in progress in the at least one payment procedure if the remaining amount of the battery is less than the first capacity;
Transmitting the payment deep link to a server;
Receiving the payment deep link from the server and connecting the payment deep link to the payment deep link; And
Performing settlement from the payment task that the user is in progress; And determining whether or not the remaining capacity of the battery is less than a predetermined value.

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