KR20180114575A - Method for Providing Payment by using Short Distance Radio Signal - Google Patents

Abstract

The present invention relates to a payment method using a short-range wireless signal to process a payment amount by a member store corresponding to member store information of payment information. According to the present invention, the payment method using a short-range wireless signal comprises: a first step of storing member store information and a unique code uniquely assigned to identify a store or a store terminal in a predetermined storage area of the store terminal disposed in the store or held by an employee; a second step of allowing the store terminal to check amount information corresponding to the payment amount, load payment information to a short-range wireless signal, and transmit the signal; a fourth step of allowing an application module of a user′s wireless terminal to perform a procedure for recognizing the payment information included in the short-range wireless signal; a fifth step of allowing the application module to perform a payment request procedure; and a seventh step of allowing an operation server to perform a payment procedure.

Description

Technical Field [0001] The present invention relates to a payment method using a short-

In order to uniquely identify a store or a store terminal in a storage area of a store terminal provided in a store or carried by an employee of a store, the present invention stores unique code uniquely assigned uniquely and store merchant information for settlement of the store If the payment information including the amount information corresponding to the payment amount and the unique code and the merchant information is included in the local wireless signal of the specified signal standard and is transmitted more than a designated number of times by the designated signal strength, The wireless terminal of the user receiving the short distance wireless signal recognizes the payment information, and the payment amount corresponding to the amount information of the payment information is paid to the merchant identified through the unique code of the payment information.

Various methods of payment in an offline store using a user's mobile phone have been proposed. For example, when a user visits an in-store and presents a mobile phone number instead of a card, various methods of providing payment information to a user's mobile phone corresponding to the mobile phone number via a communication network have been proposed, Of the total number of mobile phone numbers.

Meanwhile, if the mobile terminal of the customer connects to the server and the payment for the product is received from the server after the information of the product is registered from the seller terminal of the store to the customer's mobile terminal without registering the mobile phone number, (Japanese Patent Application Laid-Open No. 10-2016-0100646 (Aug. 24, 2016)). However, in this conventional method, the seller terminal registers the payment information with the server, The payment terminal receives the settlement information from the server and makes a settlement. Therefore, the seller terminal registers the settlement information in the server and then waits until the settlement of the settlement information is completed through the client's mobile terminal.

An object of the present invention to overcome the above problems is to provide a unique identification code unique to a store or a store terminal of a store terminal, And stores merchant information for settlement of the store, and stores settlement information including the amount information corresponding to the settlement amount, the unique code and the merchant information in the store terminal at the time of settlement into the local wireless signal of the designated signal standard, The wireless terminal of the user who is entering the store recognizes the payment information included in the local wireless signal and transmits the payment information corresponding to the merchant information of the payment information using the payment means of the user registered in the designated medium The payment amount corresponding to the amount information of the payment information is paid to the merchant It is a payment method using a short-range wireless signal to provide a lock process.

A payment method using a short distance wireless signal according to the present invention is a method executed via a user wireless terminal and an operation server having a store terminal for sending a designated short distance wireless signal and a short range wireless signal for receiving the short distance wireless signal, Storing unique code uniquely assigned uniquely to uniquely identify the store or a store terminal in a designated storage area of the store terminal carried by the employee of the store and store merchant information for payment of the store And a control unit for checking the amount information corresponding to the payment amount when the store terminal makes a payment using the store terminal and storing payment information including the unique code stored in the designated storage area, To the signal transmitting and receiving unit of the store terminal (Or interlocking) an application module capable of processing a short-range wireless signal of the store terminal, the application module of the user wireless terminal may include an application module A third step of confirming signal data corresponding to a short-range wireless signal input through a short-range wireless unit of the user wireless terminal; and a third step of transmitting, by the application module of the user wireless terminal, the payment information included in the short- The method of claim 1, further comprising the steps of: (a) receiving a payment request from the user module of the user wireless terminal; A fifth step of causing the operating server to transmit a user wireless message to the store terminal via a designated path, A unique code of the payment information transmitted to the terminal, identification information of merchant information and amount information, confirmation of the payment means information of the user registered in the designated medium, identification of the payment means of the user registered in the designated medium A sixth step of confirming the payment information, and a sixth step of the operating server performing a payment procedure for requesting payment approval to the designated payment approval server using the payment approval request information including the confirmed payment means information, the amount information and the merchant information And a seventh step.

According to the present invention, the short-range wireless signal may be transmitted asynchronously through the store terminal and asynchronously received through the short-range wireless unit of the user wireless terminal. On the other hand, the asynchronous transmission may include at least one of transmitting a radio signal in a short distance from a transmitting side without pre-pairing between a transmitting side and a receiving side, or broadcasting a radio signal in a short distance without specifying a receiving side on the transmitting side have. On the other hand, in the asynchronous reception, the radio signal transmitted from the transmitting side to the near side is received and processed on the receiving side without pre-pairing between the transmitting side and the receiving side, or the radio signal broadcasted without specifying the receiving side on the transmitting side is processed on the receiving side Receiving and processing the data.

According to the present invention, the second step may include processing the bit string corresponding to the payment information to be included in the near field radio signal of the specified signal standard and outputting the signal with a designated signal strength through the signal transmitting and receiving unit of the store terminal have.

According to another aspect of the present invention, the second step may further include processing the short range wireless signal including the payment information through the signal transmission / reception unit of the store terminal so that the short range wireless signal is repeatedly output at a designated signal intensity more than a predetermined number of times.

According to the present invention, the designated signal strength may be set such that, in an electromagnetic interference state in which equipment provided in the store having the store terminal operates in all of the basic operating conditions, the user is located within a distance of 1 m to 3 m from the signal transmitting / The mobile terminal may include a limited signal strength so as to effectively reach the short range wireless signal to the short range wireless section of the wireless terminal but not effectively reach at least 5 meters or more from the store terminal.

According to the present invention, the fourth step may include the step of the application module of the user wireless terminal reading the signal data and recognizing the payment information included in the local wireless signal. The fourth step may further include a step of causing the application module of the user wireless terminal to output the amount information of the payment information and the merchant information.

According to the present invention, the fourth step may include processing the application module of the user wireless terminal to transmit the signal data to a recognition server having a signal recognition module designated. The fourth step includes receiving the signal data via the designated path by the recognition server, reading the signal data and recognizing the settlement information included in the local wireless signal, A step in which the server transmits the recognized payment information to the user wireless terminal; a step in which the application module of the user wireless terminal receives the payment information recognized from the signal data; And outputting the amount information of the information and the merchant information.

According to the present invention, the fourth step may include a step of causing the app module of the user wireless terminal to transmit the signal data on the designated path. In the fourth step, the operating server receives the signal data via a designated path. The operating server reads the signal data and recognizes the payment information included in the short-range wireless signal. A step in which the server transmits the payment information on a designated route, a step in which the application module of the user wireless terminal receives the payment information, and a step in which the application module of the user wireless terminal outputs the amount information of the payment information and the merchant information So that it is possible to further improve the reliability of the system.

According to the present invention, the payment method using the short distance wireless signal may further include performing an authentication procedure for payment of payment information by the app of the user wireless terminal when the payment information is recognized. Meanwhile, the designated authentication procedure may include at least one of a PIN authentication procedure based on a PIN (Personal Identification Number) input and a biometric authentication procedure using a user's body.

According to the present invention, the payment means of the user registered on the designated medium includes payment means corresponding to the payment means information of the user registered on the media of the designated application server through the application of the user wireless terminal, A payment means corresponding to the payment means information of the user registered in the medium of the operation server through the application of the user wireless terminal, the payment means identification information for identifying the payment means information of the user registered in the payment means server of the payment means issuer through the application of the user wireless terminal At least one payment means corresponding to the payment means.

According to another aspect of the present invention, the fifth step may further include transmitting payment request information for the wirelessly recognized payment information to the designated app server by the application of the user wireless terminal, Receiving the payment request information from the user wireless terminal when the payment means information is registered; checking payment means information of the user from the media designated by the application server; And transmitting the settlement processing information including the settlement information of the user and the settlement information to the operation server, wherein the operation server receives the settlement processing information from the application server . ≪ / RTI >

According to another aspect of the present invention, in the fifth step, the step of transmitting the payment request information for the wirelessly recognized payment information to the application server of the user wireless terminal is performed, When the payment method information is registered, the step of the application server receiving the payment request information from the user wireless terminal, and the step of the application server transmitting the payment processing information corresponding to the payment request information to the operation server Wherein the operation server receives the payment processing information from the application server and the operating server confirms the payment means information of the user from the designated medium.

According to another aspect of the present invention, the fifth step may further include transmitting payment request information for the wirelessly recognized payment information to the operating server by the application module of the user wireless terminal, If the payment means information of the user is registered, the operation server receives the payment request information from the user wireless terminal, and the operating server confirms the payment means information of the user from the designated medium . ≪ / RTI >

According to the present invention, the seventh step may further include the step of performing the settlement procedure and maintaining the unique code in connection with the settlement procedure.

According to the present invention, the settlement method using the short-range wireless signal includes the steps of: confirming the result information of the settlement procedure by the operation server; and checking, when confirming the result information of the settlement procedure, And providing the result information to the store terminal corresponding to the unique code stored in the storage area.

According to the present invention, in a storage area of a store terminal provided in a store or carried by an employee of a store, unique codes uniquely assigned uniquely in order to uniquely identify the stores or store terminals and merchant store information If the payment information including the money amount information corresponding to the payment amount and the unique code and the merchant point information is included in the local wireless signal of the specified signal standard and is transmitted more than the designated number of times by the designated signal strength, The wireless terminal of the user who is on the passenger side receives the short distance wireless signal and recognizes the payment information and transmits the payment amount corresponding to the amount information of the payment information to the merchant identified through the unique code of the payment information in a simple and convenient manner asynchronously There is an advantage of processing payment.

1 is a diagram showing a configuration of a system for receiving a local wireless signal transmitted from a store terminal at a user wireless terminal and paying a payment amount according to an embodiment of the present invention.
2 is a diagram illustrating a functional configuration of a user wireless terminal and an application module according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a configuration of an operation server for in-store wireless based signal settlement according to an embodiment of the present invention.
4 is a diagram illustrating a process of storing unique code and merchant information in a store terminal according to an embodiment of the present invention.
5 is a diagram illustrating a process of signaling and transmitting payment information from a store terminal to a user wireless terminal according to an embodiment of the present invention.
6 is a diagram illustrating a process of processing settlement of payment information transmitted from a store terminal to a user wireless terminal according to a first embodiment of the present invention.
7 is a diagram illustrating a process of processing settlement of settlement information transmitted from a store terminal to a user wireless terminal according to a second embodiment of the present invention.
8 is a diagram illustrating a process of processing settlement of settlement information transmitted from a store terminal to a user's wireless terminal according to a third embodiment of the present invention.

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

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

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

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

1 is a diagram showing a configuration of a system for receiving a local wireless signal transmitted from a store terminal 100 according to an embodiment of the present invention at a user wireless terminal 200 and paying a payment amount.

More specifically, FIG. 1 illustrates a unique code unique to a store or a store terminal 100 uniquely assigned to the store or the store terminal 100 in order to uniquely identify the store or the store terminal 100, Stores the merchant information for settlement of the store, and then stores the settlement information including the amount information corresponding to the settlement amount and the unique code and the merchant information in the local wireless signal of the designated signal standard at the time of settlement The wireless terminal 200 of the user who is visiting the store recognizes the payment information included in the short distance wireless signal and transmits the payment information of the payment information using the payment means of the user registered in the designated medium And a payment amount corresponding to the amount information of the payment information is paid to the merchant corresponding to the merchant information As shown in FIG. 1, if a person skilled in the art is familiar with the structure of the system, various methods of implementing the payment system using the short range wireless signal , Some of the constituent parts are omitted, or the detailed or combined embodiment). However, the present invention includes all of the above-mentioned embodiments, and the technical characteristic Is not limited.

The system of the present invention includes a store terminal 100 provided in a store or carried by an employee of a store, a signal transmitting / receiving unit for transmitting (or broadcasting) a near field radio signal of a specified signal strength according to a designated signal standard, A user wireless terminal 200 having a short range wireless unit 210 having a function of receiving a voice signal and a voice communication unit 200 connected to the store terminal 100 via a communication network and linked with the user wireless terminal 200 via a designated path And a settlement approval server 110 that includes an operation server 300 and performs a settlement approval procedure for requesting payment approval through the operation server 300. [ Meanwhile, the system of the present invention includes an application module 260 including an application module 260 that can receive and process a local wireless signal of the store terminal 100 to the user wireless terminal 200, or an application 220 connected to the application module 260, The application server 105 may further include an application server 105 linked to the application 220 installed in the user wireless terminal 200. The function of the application server 105 may be implemented by the operation server 300 ). ≪ / RTI >

The store terminal 100 is a collective term for a wireless communication terminal that is installed in a store or is carried by an employee of a store and can transmit a local wireless signal of a specified signal standard with a designated signal strength. (For example, CAT, POS, etc.) or a wireless payment terminal carried by an employee of a store, a signal transmitting / receiving section capable of transmitting a short distance wireless signal of a specified signal standard at a designated signal strength, a short distance wireless signal (For example, at least one of a mobile phone, a smart phone, and a tablet PC subscribed to a communication company in the name of a merchant or a merchant's name of a merchant that installed the designated app linked with the signal transmitting and receiving unit, One wireless terminal), a short-range wireless signal of a specified signal specification is designated (For example, at least one of a cellular phone, a smartphone, and a tablet PC subscribed to a communication company in the name of an employee) of a franchisee or a store employee who has installed a designated app linked to the signal transmitting / receiving unit and has a signal transmitting / Terminal), and a payment wireless terminal provided by a service provider designated for short-range wireless signal based payment according to the present invention. Meanwhile, the signal transmitting and receiving unit of the store terminal 100 may further include a function of receiving a local wireless signal of a designated signal standard, in addition to a function of transmitting a local wireless signal of a specified signal standard at a designated signal intensity, It is not limited. Hereinafter, the characteristics of the present invention will be described focusing on an embodiment in which a short distance wireless signal is transmitted through the signal transmission / reception unit for convenience.

According to an embodiment of the present invention, it is preferable that the signal transmitting and receiving unit of the store terminal 100 transmit asynchronously a near field radio signal of a specified signal standard. However, in the present invention, the signal transmitting and receiving unit is not limited to the asynchronous transmitting of the local wireless signal.

In the embodiment of the present invention, the signal transmitting / receiving unit of the store terminal 100 asynchronously transmits the local wireless signal as follows: the signal transmitting / receiving unit identifies each other with a specific receiving side and transmits the local wireless signal without pairing (Or broadcasting) the radio signal without specifying the receiving side to which the short-range wireless signal is to be received by the signal transmitting / receiving unit. Since this asynchronous transmission is one-way transmission, it is not possible to confirm which reception side the radio signal was received at the same time as the transmission (or immediately after). The signal transmitter / receiver repeatedly transmits (or broadcasts) the same short range wireless signal including the same information for a predetermined time (or more than a designated number of times), receives the short range wireless signal from an effective receiver, It is desirable to increase the probability of recognizing the user.

According to the embodiment of the present invention, the signal transmitting and receiving unit of the store terminal 100 transmits the Bluetooth-based short-range wireless signal of the Bluetooth standard (for example, specification of the Bluetooth 4.0 or later) to the Bluetooth- Asynchronous transmission can be performed more than the specified number of times by the signal strength. However, the short range wireless signal transmitted from the signal transmitting / receiving unit of the store terminal 100 is not limited to the Bluetooth based short range wireless signal conforming to the Bluetooth standard. For example, the local wireless signal transmitted by the signal transmitting and receiving unit of the store terminal 100 may include a WiFi-based short-range wireless signal conforming to the Wi-Fi standard or an NFC-based local wireless signal conforming to the NFC (Near Field Communication) It is to be understood that the present invention may include wireless signals and may also include short range wireless signals of various signal standards, all of which belong to the scope of the present invention.

According to the embodiment of the present invention, the store terminal 100 confirms (or receives) a unique code uniquely assigned to the store or the store terminal 100, , An application including a function of safely storing (for example, encrypting and storing) the unique code in a designated storage area within the store terminal 100 and managing the function or a program code implementing the function.

According to an embodiment of the present invention, the unique code may include a unique code value that is not redundantly assigned. In this case, the code value may include a code for uniquely identifying the store terminal 100 and / or a code for uniquely identifying a store having the store terminal 100.

According to the embodiment of the present invention, the store terminal 100 confirms (or receives) merchant store information for settlement of stores, stores securely the merchant store information in a designated storage area in the store terminal 100 (E.g., encrypting and storing) a program and a program code for implementing such a function.

According to the method of the present invention, the merchant information includes a merchant number assigned to identify the merchant in the specialization transmitted to the payment approval server 110 in order to request payment approval, and the merchant name . On the other hand, when the merchant information is not directly included in the merchant information, a storage medium of a designated storage medium (for example, a storage medium of the operating server 300 or a database server (not shown) (Or a unique code) and the merchant name in a storage area accessible by the user 220 or the application 220 of the user wireless terminal 200). In this case, the payment information including the merchant information The app 220 of the user-recognized wireless terminal 200 can recognize the merchant name using the merchant number or unique code included in the recognized payment information.

According to the method of the present invention, the store terminal 100 may include an app including a function of checking a payment amount upon payment or a program code implementing such a function. For example, the store terminal 100 can receive a payment amount or calculate or receive a payment amount through various sensors or communication devices.

According to the embodiment of the present invention, the store terminal 100 confirms the unique code and the merchant information stored in the storage area designated at the store settlement, confirms the payment amount of the store, and stores the stored unique code and merchant information (For example, the same amount information as the settlement amount, or the amount information to which the discount or deduction specified in the settlement amount is applied, etc.) corresponding to the confirmed settlement amount, and the settlement information including the unique code, The settlement information including the amount information may be included in the near field radio signal of the designated signal standard and processed so as to be transmitted a specified number of times or more with a designated signal intensity through the signal transmission and reception unit of the store terminal 100.

According to the signal strength embodiment of the present invention, the designated signal intensity at which the taxi terminal transmits a short distance wireless signal including the payment information through the signal transmission / reception unit is transmitted to the equipment (not shown) provided in the store equipped with the store terminal 100 To the short range wireless unit 210 of the user wireless terminal 200 within a distance of 1 m to 3 m from the signal transmitting and receiving unit of the store terminal 100 in the electromagnetic interference state in which all of the short- And may include a signal strength that is set so as to reach effectively but not effectively reach a distance of at least 5 meters from the store terminal 100. [ Thus, the settlement validity range of the settlement information included in the short-range wireless signal can be limited to a predetermined distance or less in the store terminal 100.

Meanwhile, according to the embodiment of the present invention, when the near-field radio signal including the payment information is transmitted from the store terminal 100, the near field radio signal can be transmitted asynchronously (for example, unidirectionally transmitted or broadcasted) The store terminal 100 can not confirm in real time whether the local wireless call is effectively received through the local wireless unit 210 of the user wireless terminal 200 and the payment information included in the local wireless signal is recognized. The store terminal 100 transmits (for example, asynchronously) a short range wireless signal having a designated signal standard including the payment information through a signal transmission / reception unit of the store terminal 100, It is preferable to increase the probability that the short distance wireless signal transmitted through the signal transmitting and receiving unit of the store terminal 100 is effectively received by the short range wireless unit 210 of the user wireless terminal 200 at a predetermined distance. The number of times designated herein may be set to a specific number, but is not limited thereto. The predetermined number of times may be set to be repeatedly transmitted until the local wireless signal transmission is initialized or dispatched based on the terminal operation by the employee or the result information of the payment processing for the payment information included in the local wireless signal is received It may be set to repeat transmission until

According to an embodiment of the present invention, the store terminal 100 transmits a short range wireless signal including the payment information more than a specified number of times to a designated signal strength, and then transmits the short range wireless signal including the payment information included in the short range wireless signal When the store terminal 100 is provided with a printing unit for printing a receipt, the printing unit can print out a receipt corresponding to the received result information.

The user wireless terminal 200 is a collective term for a wireless communication terminal used by a user who visits a store. Preferably, the user wireless terminal 200 receives a short range wireless signal transmitted with a signal strength designated through the store terminal 100 And a short-range wireless unit 210. Meanwhile, the user wireless terminal 200 is installed with an app 220 having a function of making payment using the payment information included in the short distance wireless signal transmitted through the store terminal 100, The application 220 installed in the mobile terminal 200 may be a payment application 220 of a card company, a banking application 220 of a bank, a payment gateway (PG), a universal payment application 220 of a payment service provider, (220), and a service app (220) for providing a payment based on a short distance wireless signal.

According to an embodiment of the present invention, the user wireless terminal 200 confirms signal data corresponding to a short-range wireless signal received through the short-range wireless unit 210 and transmits the short- And an application module 260 for performing a series of procedures for recognizing the payment information included in the payment information. Meanwhile, the application module 260 may be implemented as a separate program module included in the application 220 or interworking with the application 220 as a part of the application 220. In the present invention, the application 220 and the application module 260 are distinguished from each other in the case where the application 220 and the provider module of the application module 260 are different from each other. The function is not changed.

When the user wireless terminal 200 drives the app 220 including the app module 260 capable of receiving and processing the local wireless signal of the store terminal 100, The application module 260 of the mobile wireless terminal 200 confirms the signal data corresponding to the short range wireless signal received through the short range wireless unit 210 of the user wireless terminal 200. The AP module 260 may identify the signal data corresponding to the short distance wireless signal received asynchronously through the short range wireless unit 210 of the user wireless terminal 200.

When the signal data corresponding to the short range wireless signal received through the short range wireless unit 210 is confirmed, the application module 260 of the user wireless terminal 200 transmits the signal data to the store terminal 100 The mobile terminal 100 performs a procedure for recognizing the payment information included in the short-range wireless signal transmitted from the short-range wireless terminal.

According to the first signal recognition embodiment of the present invention, the application module 260 of the user wireless terminal 200 reads the signal data based on the signal standard specified in the user wireless terminal 200, The user can recognize the payment information included in the payment information.

Meanwhile, when the payment information included in the near-field wireless signal is recognized through the application module 260 of the user wireless terminal 200 according to the first signal recognition embodiment, the application module 260 transmits the payment information Information and merchant information can be output.

Meanwhile, according to the second signal recognition embodiment of the present invention, the application module 260 of the user wireless terminal 200 can receive the payment information included in the local wireless signal transmitted from the store terminal 100, (Not shown) having the above-mentioned signal data. The signal recognition module of the recognition server receives the signal data, reads the signal data based on the designated signal standard, recognizes the payment information included in the near field wireless signal, 260 of the user wireless terminal 200, and the app module 260 of the user wireless terminal 200 receives the recognized payment information.

Meanwhile, when the payment information included in the near-field wireless signal is recognized through the signal recognition module of the recognition server according to the second signal recognition embodiment, the signal recognition module of the recognition server transmits the application Module 260 and the app module 260 of the user wireless terminal 200 may receive the recognized payment information.

Meanwhile, when the payment information recognized through the signal recognition module of the recognition server is received by the application module 260 of the user wireless terminal 200, the application module 260 outputs the amount information of the payment information and the merchant information .

Meanwhile, according to the third signal recognition embodiment of the present invention, the application module 260 of the user wireless terminal 200 transmits the signal data to a designated path (for example, when the application module 260 receives the signal data from the operation server 300 Or transmits it to the application server 105 from the application 220 including the application module 260 (or interlocked), and transfers the application module to the operation server 300). The operating server 300 receives the signal data via the designated path, reads the signal data based on the designated signal standard, recognizes the payment information included in the near-field wireless signal, The application module 260 of the user wireless terminal 200 may provide the recognized payment information to the application module 260 of the user wireless terminal 200. The application module 260 of the user wireless terminal 200 receives the recognized payment information.

Meanwhile, when payment information included in the near-field wireless signal is recognized through the operation server 300 according to the third signal recognition embodiment, the operation server 300 transmits the recognized payment information to a designated path (e.g., The application module 260 of the user wireless terminal 200 may receive the payment information via the designated route and then transmit the payment information of the payment information And to output the merchant information.

The application 220 (or the application module 260) of the user wireless terminal 200 may perform an authentication procedure designated for payment of the payment information when the payment information included in the near field wireless signal is recognized .

According to the first authentication example of the present invention, the application 220 of the user wireless terminal 200 receives and verifies a PIN (Personal Identification Number) of the user at the time of initial operation (or before activation of the information registration) And displays the interface screen for receiving the PIN from the user when the payment information included in the near field wireless signal is recognized, An authentication procedure for authenticating the validity of the PIN input through the interface screen using the PIN authentication information registered and stored in the designated storage area can be performed.

According to the second authentication example of the present invention, the application 220 of the user wireless terminal 200 receives and verifies the PIN of the user at the time of initial operation (or before activation of the information registration) The PIN authentication information for PIN authentication may be registered and stored in a designated storage medium of the application server 105. If the payment information included in the short distance wireless signal is recognized, an interface screen for receiving a PIN from the user is displayed And transmits the PIN inputted through the interface screen to the app server 105 to perform an authentication procedure for requesting authentication, and receives an authentication result of the PIN authentication procedure performed through the app server 105 have.

According to the third authentication example of the present invention, the application module 260 of the user wireless terminal 200 receives and verifies the PIN of the user when the application 220 is operated for the first time (or before the information registration) The PIN authentication information for PIN authentication may be registered and stored in a designated storage medium of the operation server 300. If the payment information included in the near field wireless signal is recognized, an interface screen for receiving a PIN from the user is displayed And transmits the PIN entered through the interface screen to the operation server 300 to request authentication through the registered PIN authentication information. The PIN transmitted through the operation server 300 The authentication result of the authentication procedure can be received.

According to the fourth authentication example of the present invention, the app 220 of the user wireless terminal 200 may be provided with a user ID The biometrics authentication information for biometrics authentication of the user is recognized and stored in a designated storage area of the user wireless terminal 200. When the payment information included in the near wireless signal is recognized And displays an interface screen for biometrics of the user through the biometrics unit 212. When the biometrics of the user is recognized through the biometrics unit 212, the biometrics authentication information stored in the designated storage area is used The biometrics unit 212 can perform an authentication procedure for authenticating the validity of the user's biometric information recognized by the user.

According to the fifth authentication example of the present invention, the app 220 of the user wireless terminal 200 may be configured to allow the user 220 through the biometric unit 212 of the user wireless terminal 200, The biometrics authentication information for biometrics authentication of the user can be registered and stored in a designated storage medium of the application server 105 interlocked with the app 220, The biometrics unit 212 displays an interface screen for biometrics recognition of the user and if the biometrics of the user is recognized through the biometrics unit 212, The biometric information of the user, which is recognized through the application server 105, may be transmitted to the app server 105 to request authentication, and the authentication result of the biometric authentication procedure performed by the application server 105 may be received Can.

According to the sixth authentication example of the present invention, the application module 260 of the user wireless terminal 200 can perform biometrics authentication of the user wireless terminal 200 during the initial operation (or before activation of the information registration) The biometrics authentication information for biometrics authentication of the user can be registered and stored in a designated storage medium of the operation server 300. The biometrics authentication information for biometrics authentication of the user can be stored in the short- The biometrics unit 212 displays an interface screen for biometrics recognition of the user and if the biometrics of the user is recognized through the biometrics unit 212, The biometric information of the user, which is recognized through the operation server 300, may be transmitted to the operation server 300, It can be received.

Meanwhile, the authentication procedure for the settlement is not limited to at least one embodiment of the illustrated first to sixth authentication embodiments, and according to the intention of the person skilled in the art, the authentication procedure may include various authentication procedures other than the PIN authentication and the biometric authentication. And the present invention can include the various authentication procedures as a scope of right.

Meanwhile, if the specified authentication procedure using the app 220 (or the app module 260) of the user wireless terminal 200 is authenticated after the payment information included in the short range wireless signal is recognized, The application module 260 of the mobile terminal 200 may process the payment request procedure using the payment means of the user registered on the designated medium by using the unique code of the recognized payment information, The application 220 of the user wireless terminal 200 forms payment request information including the unique code of the recognized payment information, the merchant information and the amount information for the payment request procedure, and transmits the designated payment path to the specified medium It is possible to request the merchant corresponding to the merchant information of the payment information to use the payment means of the registered user to settle the amount corresponding to the amount information of the payment information . Meanwhile, when the authentication procedure for the payment is executed through the application server 105, the application 220 of the user wireless terminal 200 transmits the authentication procedure through the application server 105 and the application server 105, The process of transmitting the settlement request information may be interlocked or processed at the same time, and the present invention is not limited thereto.

According to the embodiment of the present invention, the payment means of the user registered in the designated medium is provided to the user wireless terminal 200 at the time of initial operation of the app 220 of the user wireless terminal 200 (or before the registration of the payment means) Payment means corresponding to the payment means information of the user registered in the designated medium of the app server 105 linked with the app 220 through the app 220 of the user wireless terminal 200, The payment means corresponding to the payment means information of the user registered on the designated medium of the operation server 300 via the app 220 of the user wireless terminal 200 when the initial operation (or before the registration of the payment means is registered) A payment means issuer (for example, card issuer) issuing a payment means to a user through the app 220 of the user wireless terminal 200 when the app 220 of the terminal 200 is initially driven , Bank, etc.) registered in the payment means server Of the payment method, payment method, corresponding to the identification information identifying the payment method information may include at least one payment method. For example, the payment means of the user may include a credit card payment means, a check card payment means, a debit card payment means, a cash card payment means, a prepaid card payment means, a financial account settlement means, an electronic money payment means, And all the payment means available for payment of the money 200.

The application 220 of the user wireless terminal 200 can receive the payment means information of the user from the user at the time of initial operation of the application 220 (or before the registration of the payment means) And transmits the payment method information of the user to the application server 105 to request the application server 105 to register the payment method information on the designated medium of the application server 105. The application server 105 transmits the payment method information of the user And registers and stores the received data on the designated medium of the application server 105. [ Meanwhile, the app server 105 may generate payment means identification information for identifying the payment means information of the user registered in the designated medium and provide the payment means identification information to the app 220 of the user wireless terminal 200 , The application 220 of the user wireless terminal 200 may receive the payment means identification information and store the payment means identification information in a designated storage area of the user wireless terminal 200 or the application server 220, 105 in the designated storage area.

When the user's payment means is registered on the designated medium of the application server 105 according to the first payment method registration embodiment of the present invention, the application 220 of the user wireless terminal 200 transmits (220) of the user's payment means information of the user registered in the designated medium, and / or the merchant information of the user wireless terminal (200) The application server 105 transmits the payment request information including the payment means identification information corresponding to the selected payment means to the application server 105, Information of the user registered in the designated medium of the application server 105 based on the authentication result of at least one authentication procedure performed for payment of the payment information, Payment means information corresponding to the payment means identification information selected through the application 220 of the user wireless terminal 200 among the payment means information of the user registered on the designated medium) And payment processing information including the unique code of the payment information included in the payment request information received from the app 220 of the mobile terminal 200 and the merchant information and the amount information and transmits the payment processing information to the operation server 300 to request the payment processing . The operation server 300 receives the payment processing information from the application server 105, checks the payment method information of the user included in the payment processing information, the unique code of the payment information, the merchant information and the amount information , Generates payment approval request information including the user's payment means information, amount information, and merchant information, and transmits the payment approval request information to the payment approval server 110 corresponding to the payment means information to request a payment approval (For example, it is included in the payment approval request information and is included in the result information, and is not duplicated in the payment approval request information or the result information of the other payment) (For example, payment means information, token information allocated for payment identification) and the unique code, Can be stored in the long area). Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment information of the user included in the payment approval request information as a merchant corresponding to the merchant information The settlement approval process for approving the settlement of the amount corresponding to the amount information is performed and then the result information of the settlement approval procedure is generated and transmitted to the operation server 300, 110, and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure. The store terminal 100 receives the result information from the operation server 300 and outputs the result information to the store terminal 100. If the store terminal 100 is provided with a print unit for printing out receipts on the store terminal 100, Can be output.

According to the second embodiment of the present invention, the app 220 of the user wireless terminal 200 receives the payment method information of the user from the user when the app 220 is first activated (or before the registration of the payment method) And transmits the payment method information of the user to the application server 105 to request the application server 105 to register the payment method information on the designated medium of the operation server 300. The application server 105 transmits the payment method information of the user And relays the received information to the operation server 300. The operation server 300 receives the payment information of the user and registers and stores the information on the designated medium of the operation server 300. [ The operation server 300 generates payment means identification information for identifying the payment means information of the user registered in the designated medium and transmits the payment information to the application server 105 or the user wireless terminal 200 And the app 220 of the app server 105 or the user wireless terminal 200 may receive the payment means identification information and store the payment means identification information in a designated storage area of the user wireless terminal 200, And store the app 220 in a designated storage area on the app server 105 that is accessible in real time.

According to another embodiment of the second method of registering the payment means, the app 220 (or the app module 260) of the user wireless terminal 200 may perform the initial operation of the app 220 The user can request the user to input the payment means information and register the payment means information of the user in the designated medium of the operation server 300 to the operation server 300, 300 may receive the payment method information of the user and register and store the payment method information on the designated medium of the operation server 300. Meanwhile, the operation server 300 generates payment means identification information for identifying the payment means information of the user registered in the designated medium, and transmits the payment information to the application 220 (or the application module (not shown) of the user wireless terminal 200 And the application 220 of the user wireless terminal 200 receives the payment means identification information and transmits the payment method identification information to the user wireless terminal 200 accessible from the application 220 200, or may store the app 220 in a designated storage area on the app server 105 that is accessible in real time.

When the user's payment means is registered on the designated medium of the operation server 300 according to the second payment method registration embodiment of the present invention, the app 220 of the user wireless terminal 200 transmits the recognized payment information (220) of the user's payment means information of the user registered in the designated medium, and / or the merchant information of the user wireless terminal (200) The application server 105 transmits the payment request information including the payment means identification information corresponding to the selected payment means to the application server 105, And transmits the payment processing information corresponding to the payment request information to the operation server 300 based on the authentication result of at least one authentication procedure performed for payment of the payment information And request payment processing. The operation server 300 receives the payment processing information from the application server 105 and transmits payment method information of the user registered on the designated medium of the operation server 300 (Payment means information corresponding to the payment means identification information selected through the application 220 of the user wireless terminal 200 in the means information), confirms the unique code of the payment information, the merchant information and the money amount information, The payment approval request information including the payment means information, the amount information, and the merchant information may be generated and transmitted to the payment approval server 110 corresponding to the payment means information to perform a payment procedure for requesting payment approval, (For example, it is included in the payment approval request information and is included in the result information, and the other payment Can be in connection to at least one of the unique information (e. G., Assigned to the payment instrument information, billing identification token information) with the unique code that is not duplicated in the payment approval request information or the result information stored in the specified storage). Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment information of the user included in the payment approval request information as a merchant corresponding to the merchant information The settlement approval process for approving the settlement of the amount corresponding to the amount information is performed and then the result information of the settlement approval procedure is generated and transmitted to the operation server 300, 110, and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure. The store terminal 100 receives the result information from the operation server 300 and outputs the result information to the store terminal 100. If the store terminal 100 is provided with a print unit for printing out receipts on the store terminal 100, Can be output.

Meanwhile, when the user's payment means is registered on the designated medium of the operation server 300 according to the second payment method registration embodiment of the present invention, the application 220 (or the application module 260 ) Includes a unique code of the recognized payment information, merchant information, and amount information, and further includes merchant information of the payment information according to the method of operation, and / or includes payment information of a user registered on a designated medium The operation server 300 configures payment request information further including payment means identification information corresponding to the selected payment means through the application 220 of the terminal 200 and transmits the payment request information to the operation server 300, The payment request information of the user registered in the designated medium of the operation server 300 (or the payment method information of the user registered in the designated medium) (The payment means information corresponding to the selected payment means identification information through the application 220 of the wireless terminal 200), confirms the unique code of the payment information, the merchant information and the money amount information, The payment approval request information including the amount information and the merchant information, and transmits the payment approval request information to the payment approval server 110 corresponding to the payment means information to request payment approval, and the payment procedure is performed And at the same time maintains the unique code in association with the settlement procedure (e.g., at least one unique information included in the settlement approval request information, included in the result information and not overlapping the settlement approval request information or the result information of another settlement , Payment means information, and token information allocated for payment identification) and the unique code in association with each other and stores the same in a designated storage area). Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment information of the user included in the payment approval request information as a merchant corresponding to the merchant information The settlement approval process for approving the settlement of the amount corresponding to the amount information is performed and then the result information of the settlement approval procedure is generated and transmitted to the operation server 300, 110, and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure. The store terminal 100 receives the result information from the operation server 300 and outputs the result information to the store terminal 100. If the store terminal 100 is provided with a print unit for printing out receipts on the store terminal 100, Can be output.

The application 220 of the user wireless terminal 200 can receive the payment means information of the user from the user at the time of the first drive of the application 220 (or before the registration of the payment means) And transmits the payment means information of the user to the application server 105 to request the payment server to register the payment means information on a designated medium of a payment means issuing company that issued the payment means. Receives the payment means information of the user and relays the received payment means information to the operation server 300. The operation server 300 receives the payment means information of the user and relays the information to the payment means server of the payment means issuer. Or the payment means information of the user from the application server 105 to the payment means server of the payment means issuer. Meanwhile, the payment means server of the payment means issuer may receive the payment means information of the user and register and store the information on the designated medium of the payment means server. Meanwhile, the payment server may generate payment means identification information for identifying the payment means information of the user registered in the designated medium, and may provide the payment means identification information to the operation server 300 or the application server 105, The operation server 300 or the application server 105 may receive the payment means identification information and provide the payment information to the application server 105 or the application server 220 of the user wireless terminal 200, 105 or the app 220 of the user wireless terminal 200 may receive the payment means identification information and store the payment means identification information in a designated storage area of the user wireless terminal 200, In a designated storage area on the storage device 105.

Meanwhile, according to another embodiment of the third method of registering the payment means, the app 220 (or the app module 260) of the user wireless terminal 200 can perform the initial driving of the app 220 And transmits the payment means information of the user to the operation server 300 to request the user to register the payment means information on the designated medium of the payment means server of the payment means issuer issuing the payment means The operating server 300 receives the payment means information of the user and relays the information to the payment means server of the payment means issuer, and the payment means server of the payment means issuer receives the payment means information of the user, And registered and stored in a designated medium of the settlement means server. Meanwhile, the payment means server generates payment means identification information for identifying the payment means information of the user registered in the designated medium and provides the payment means identification information to the operation server 300 according to the embodiment, The application 220 (or the application module 260) of the wireless terminal 200 may provide the payment means identification information to the application 220 (or the application module 260) of the wireless terminal 200, Stores the payment means identification information in a designated storage area of the user wireless terminal 200 accessible by the application 220 or stores the payment information in a designated storage area on the app server 105, Lt; / RTI >

According to another embodiment of the third method of registering payment means, the app 220 (or the app module 260) of the user wireless terminal 200 may start the app 220 The payment means information of the user is input from the user at the time of pre-driving), and the payment means information of the user is transmitted to the payment means server of the payment means issuer issuing the payment means, And the payment means server of the payment means issuer may receive the payment means information of the user and register and store the information on the designated medium of the payment means server. Meanwhile, the payment means server generates payment means identification information for identifying the payment means information of the user registered in the designated medium, and transmits the identification information to the app 220 (or the app module 260) of the user wireless terminal 200. [ The apps 220 (or the apps module 260) of the user wireless terminal 200 may receive the payment method identification information and provide the payment method identification information to the user 220 May be stored in a designated storage area of the user wireless terminal 200 or may be stored in a designated storage area on the app server 105 in which the app 220 is accessible in real time.

When the payment means of the user is registered on the designated medium of the payment means server of the issuer of the payment means issuing the payment means to the user according to the third payment method registration embodiment of the present invention, ) Of the payment information includes the unique code of the recognized payment information, merchant information, and amount information, and further includes merchant information of the payment information according to the method of implementation, and / The application server 105 configures the payment request information further including the payment means identification information corresponding to the selected payment means through the application 220 of the application server 200 and transmits the payment request information to the application server 105, Receiving the settlement request information from the terminal 200, and responding to the settlement request information based on the authentication result of at least one authentication procedure performed for settlement of the settlement information It may be sent to the payment processing information to the production server 300 to request the payment process. The operation server 300 receives the payment processing information from the application server 105 and stores payment means identification information (or payment information) for identifying the payment means information of the user registered on the designated medium of the payment means server of the payment means issuer (Payment means identification information for identifying the payment means information selected through the application 220 of the user wireless terminal 200 among the payment means information of the user registered in the designated medium) and confirms the unique code of the payment information, After confirming the amount information, generates payment approval request information including the user's payment means identification information, amount information, and merchant information and transmits the payment approval request information to the payment server of the payment means issuer corresponding to the payment means identification information or the payment approval server 110 ), And can perform a payment procedure for requesting payment approval, and at the same time that the payment procedure is performed, (E.g., at least one unique information (for example, payment means information, payment identification information included in the result information and not duplicated in the payment approval request information or the result information of another payment) included in the payment approval request information And stores the token in the designated storage area in association with the unique code). On the other hand, the payment server or the payment approval server 110 receives the payment approval request information from the operation server 300 and transmits the payment approval request information to the payment agent issuer through the payment means identification information of the user included in the payment approval request information The payment means information of the user registered in the designated medium of the means server can be confirmed. The payment approval server 110 uses the payment means information of the user identified from the designated medium of the payment means server to confirm the payment of the amount corresponding to the amount information to the merchant corresponding to the merchant information And transmits the result information of the settlement approval procedure to the operation server 300. The operation server 300 receives result information of the settlement procedure requested by the settlement approval server 110, And the result information of the settlement procedure can be provided to the store terminal 100 using a unique code associated with the settlement procedure. The store terminal 100 receives the result information from the operation server 300 and outputs the result information to the store terminal 100. If the store terminal 100 is provided with a print unit for printing out receipts on the store terminal 100, Can be output.

Meanwhile, when the payment means of the user is registered on the designated medium of the payment means server of the issuer of the payment means issuing the payment means to the user according to the third payment method registration example of the present invention, 220) (or the application module 260), the unique code of the recognized payment information, the merchant information and the amount information, and further includes the merchant information of the payment information and / If the payment request information including the payment means identification information corresponding to the payment means selected through the application 220 of the user wireless terminal 200 among the payment means information of the user is configured and transmitted to the operation server 300, The operation server 300 receives the payment request information from the user wireless terminal 200 and transmits the settlement request information of the user registered in the designated medium of the payment means server of the payment method issuer (Or the payment means identification information for identifying the payment means information selected through the application 220 of the user wireless terminal 200 among the payment means information of the user registered in the designated medium) After confirming the unique code of the payment information and the merchant information and amount information, generates payment approval request information including the user's payment means identification information, amount information, and merchant information, and transmits the payment approval request information to the payment means issuer The settlement server or the settlement approval server 110 to perform a settlement procedure for requesting settlement approval, and at the same time the settlement procedure is performed, the unique code is maintained in connection with the settlement procedure (for example, At least one of which is included in the information and is also included in the result information and does not overlap with the payment authorization request information or the result information of the other payment Unique information may be in (e. G., Assigned to the payment instrument information, payment token identification information) associated with the specific code stored in a designated storage area). On the other hand, the payment server or the payment approval server 110 receives the payment approval request information from the operation server 300 and transmits the payment approval request information to the payment agent issuer through the payment means identification information of the user included in the payment approval request information The payment means information of the user registered in the designated medium of the means server can be confirmed. Meanwhile, the payment approval server 110 uses the payment means information of the user identified from the designated medium of the payment means server to confirm the payment of the amount corresponding to the amount information to the merchant corresponding to the merchant information, And transmits the result information of the payment approval procedure to the operation server 300. The operation server 300 receives the result information of the payment procedure requested by the payment approval server 110 , And can provide the result information of the settlement procedure to the store terminal 100 using a unique code associated with the settlement procedure. The store terminal 100 receives the result information from the operation server 300 and outputs the result information to the store terminal 100. If the store terminal 100 is provided with a print unit for printing out receipts on the store terminal 100, Can be output.

FIG. 2 is a diagram illustrating a functional configuration of a user wireless terminal 200 and an application module 260 according to an embodiment of the present invention.

In more detail, FIG. 2 shows a procedure for recognizing payment information included in a short distance wireless signal using signal data corresponding to a short distance wireless signal received by the short distance wireless unit 210, And an application module 260 for processing the payment request procedure using the payment means of the user registered on the designated medium by using the unique code of the recognized payment information, the merchant information and the amount information And the configuration of the wireless terminal 200 in which the application 220 is installed. Those skilled in the art will be able to refer to FIG. 2 and FIG. The embodiments of the present invention can be applied to various embodiments of the functions of the wireless terminal 200 and the application module 260. However, W is made, the technical features are not limited only with the exemplary method shown in the figure 2. 2 includes at least one of a cellular phone, a smart phone, and a tablet PC having a short range wireless unit 210 capable of wireless communication and capable of receiving a short range wireless signal of a specified signal standard .

2, the wireless terminal 200 includes a control unit 202, a memory unit 218, a screen output unit 204, a user input unit 206, a sound wave processing unit 208, a short range wireless unit 210, A biometrics recognition unit 212, a short-range network communication unit 214, a wireless network communication unit 216, a USIM reader unit, and a USIM, and has a battery for power supply.

The controller 202 is a collective term for controlling the operation of the wireless terminal 200. The controller 202 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 202 loads at least one program code included in the wireless terminal 200 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the wireless terminal 200. Hereinafter, the configuration of the application 220 and the application module 260 of the present invention implemented in the form of program code will be described in the control unit 202 for convenience.

The memory unit 218 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 200 and includes at least one program code executed through the control unit 202 and at least one Save and maintain the dataset. The memory unit 218 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 200, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 200, A program code and a data set corresponding to the application 220 and the application module 260 of the present invention are also stored in the memory unit 218.

The screen output unit 204 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) and the like) and a driving module for driving the screen output unit 204. The screen output unit 204 is interlocked with the control unit 202, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 206 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen or the like coupled to the screen output unit 204), and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 202 or data necessary for the operation of the control unit 202. [

The sound wave processing unit 208 is composed of a speaker for outputting a sound wave signal, a microphone for receiving a sound wave signal, and a drive module for driving the microphone, and decodes data corresponding to a sound wave output among various calculation results of the control unit 202 And outputs the digital data to the controller 202 through the speaker and / or by encoding the sound signal input through the microphone.

The short range wireless unit 210 is a collective term for a signal reception resource capable of receiving a short range wireless signal of a specified signal standard. The short range wireless unit 210 preferably transmits a short range wireless signal of a specified signal standard, asynchronously transmitted through the signal transmission / reception unit of the store terminal 100, can do.

According to an embodiment of the present invention, the short range wireless unit 210 can asynchronously receive a bluetooth-based short-range wireless signal of a Bluetooth standard (for example, a standard of the Bluetooth 4.0 or later) without a separate Bluetooth pairing process. However, the short range wireless signal received by the short range wireless unit 210 is not limited to the Bluetooth based short range wireless signal conforming to the Bluetooth standard. For example, the short range wireless signal received by the short range wireless unit 210 may include a Wi-Fi based short range wireless signal conforming to the Wi-Fi standard or an NFC based short range wireless signal conforming to the NFC (Near Field Communication) And may also include short range wireless signals of various signal standards, all of which belong to the scope of the present invention.

The biometric unit 212 includes a sensor for recognizing the user's body and a driving module for driving the sensor, and transmits the sensed biometric information to the controller 202. For example, the biometrics unit 212 may include a function of recognizing a fingerprint using a fingerprint sensor.

The wireless network communication unit 216 and the short-range network communication unit 214 are collectively referred to as communication resources for connecting the wireless terminal 200 to a designated communication network. The wireless terminal 200 may include a wireless network communication unit 216 as a basic communication resource and may include one or more short-range network communication units 214.

The wireless network communication unit 216 is a collective term for communication resources for connecting the wireless terminal 200 to a wireless communication network via a base station and includes an antenna for transmitting and receiving a radio frequency signal of a specific frequency band, Processing module, and is connected to the control unit 202 to transmit the calculation result corresponding to the wireless communication among the various calculation results of the control unit 202 through the wireless communication network or receive the data through the wireless communication network To the control unit 202, and performs connection, registration, communication, and hand-off procedures of the wireless communication. According to the present invention, the wireless network communication unit 216 can connect the wireless terminal 200 to a call network including a call channel and a data channel via the exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 216 may be a mobile communication unit that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, ≪ / RTI > Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 216 may further include a portable Internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 216. [ That is, the wireless network communication unit 216 is a general term for a configuration unit that connects to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless zone, a type of a communication network, or a protocol.

The short-range network communication unit 214 is a generic name of communication resources for connecting a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connecting the wireless terminal 200 to the communication network based on the communication session , The wireless terminal 200 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the short-range network communication unit 214 may be integrated with or separated from the wireless network communication unit 216. According to the present invention, the short-range network communication unit 214 connects the wireless terminal 200 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader is a general term for a configuration in which at least one data set is exchanged with a universal subscriber identity module mounted or detached from the mobile station 200 based on the ISO / IEC 7816 standard, The set is exchanged in half-duplex communication mode via APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit, a program code for at least one IC chip, (Or processing) a program code for the IC chip in accordance with at least one command transmitted from the wireless terminal 200, or extracts (or processes) the data set in connection with the input / output interface, As shown in FIG.

Referring to FIG. 2, an application 220 of the wireless terminal 200 includes a service unit 225 that provides a designated service corresponding to the application 220. For example, if the app 220 is a payment application 220 of a credit card company, the service unit 225 may include a function of providing a payment service of a specific credit card company. Or if the app 220 is a banking app 220 of a bank, the service unit 225 may include a function of providing a banking service of a specific bank. Or if the application 220 is a universal payment application 220 of a PG or a payment service provider, the service unit 225 may include a function of providing a payment service of a PG or a payment service provider. Or if the app 220 is a general purpose financial app 220 of a financial service provider, the service unit 225 may include a function of providing a financial service of a financial service provider. That is, the service unit 225 is a generic name of a component that implements a function of providing a service provided through the application 220, and is not limited to a component that implements a function of providing a specific service.

Referring to FIG. 2, the app 220 of the wireless terminal 200 includes an authentication information registration unit 230 for registering authentication information for performing an authentication procedure for authenticating payment validity using the application 220, And a payment means registration unit 235 for registering the payment means of the user to be used for payment using the app 220 on a designated medium. The payment information registration unit 235 registers at least one of the authentication information registration unit 230 and the payment means registration unit 235 May be provided in the application module 260, and thus the present invention is not limited thereto.

The authentication information registration unit 230 may register the authentication information for performing the authentication process of authenticating the payment validity using the application 220 when the application 220 is first activated (or before activation of the authentication information registration) .

According to the first authentication example of the present invention, the authentication information registration unit 230 receives and verifies a PIN (Personal Identification Number) of the user when the app 220 is first driven (or before activation of the authentication information registration) PIN authentication information for authentication can be generated and stored in a designated storage area of the user wireless terminal 200. [

According to the second authentication example of the present invention, the authentication information registration unit 230 receives and verifies the PIN of the user when the application 220 is operated for the first time (or before activation of the authentication information registration) It may request that PIN authentication information for PIN authentication be registered and stored in a designated storage medium of the app server 105 that is linked with the authentication server.

According to the third authentication example of the present invention, the authentication information registration unit 230 may be included in the app module 260 included in or linked with the app 220. In this case, The user can input and verify the PIN of the user when the app 220 is first driven (or before activation of the authentication information), and request that the PIN authentication information for PIN authentication be registered and stored in the designated storage medium of the operation server 300 .

According to the fourth authentication example of the present invention, the authentication information registration unit 230 registers the biometric unit 212 of the user wireless terminal 200 when the app 220 is first activated (or before activation of the authentication information registration) The biometrics authentication information for biometrics authentication of the user is recognized and stored in the designated storage area of the user wireless terminal 200 by recognizing the user's biometrics more than the designated number of times.

According to the fifth authentication example of the present invention, the authentication information registration unit 230 registers the biometrics authentication unit 212 of the user wireless terminal 200 when the application 220 is first activated (or before activation of the authentication information registration) It is possible to recognize that the biometric authentication information for biometric authentication of the user is registered and stored in a designated storage medium of the app server 105 which recognizes the user's biometric number a predetermined number of times or more and interlocks with the app 220. [

According to the sixth authentication example of the present invention, the authentication information registration unit 230 may be included in the app module 260 included in or linked with the app 220. In this case, the authentication information registration unit 230 The biometrics unit 212 of the user wireless terminal 200 recognizes the user's biometrics more than a specified number of times during the initial operation of the application 220 (or before activation of the authentication information registration) The biometrics authentication information for biometrics authentication of the user may be registered and stored in the medium.

The payment means registration unit 235 performs a procedure of registering the payment means of the user to be used in the payment using the application 220 on the designated medium when the application 220 is first driven (or before the registration of the payment means) .

According to the first embodiment of the payment method registration of the present invention, the payment means registration unit 235 receives the payment means information of the user from the user at the time of initial operation of the application 220 (or before the registration of the payment means) The application server 105 may transmit the payment method information of the user and request the application server 105 to register the payment method information on the designated medium of the application server 105. The application server 105 receives the payment method information of the user, (105). Meanwhile, the app server 105 may generate payment means identification information for identifying the payment means information of the user registered in the designated medium and provide the payment means identification information to the app 220 of the user wireless terminal 200 The payment means registration unit 235 may receive the payment means identification information and store the payment means identification information in a designated storage area of the user wireless terminal 200 or store the designated storage means on the app server 105, Area.

According to the second embodiment of the payment method registration of the present invention, the payment means registration unit 235 receives the payment means information of the user from the user when the application 220 is initially driven (or before the registration of the payment means) The application server 105 may transmit the payment method information of the user and request the application server 105 to register the payment method information on the designated medium of the operation server 300. The application server 105 receives the payment method information of the user, And the operation server 300 receives the payment method information of the user and registers and stores the information on the designated medium of the operation server 300. [ The operation server 300 generates payment means identification information for identifying the payment means information of the user registered in the designated medium and transmits the payment information to the application server 105 or the user wireless terminal 200 The application server 105 or the payment means registration unit 235 may receive the payment means identification information and store the payment means identification information in a designated storage area of the user wireless terminal 200 or may transmit the payment information to the application 220, Can be stored in a designated storage area on the app server 105 in real time.

According to another embodiment of the second method of registering the payment means, the payment means registration unit 235 (or the application module 260) The user can input payment method information of the user and transmit the payment method information of the user to the operation server 300 to request the operation server 300 to register the payment method information on the designated medium of the operation server 300, And can register and store the payment means information on the designated medium of the operation server 300. [ Meanwhile, the operation server 300 generates payment means identification information for identifying the payment means information of the user registered in the designated medium, and transmits the payment information to the application 220 (or the application module (not shown) of the user wireless terminal 200 The payment module registration module 235 (or the application module 260) may receive the payment module identification information and provide the designated storage device of the user wireless terminal 200 accessible by the application 220 Or may store the app 220 in a designated storage area on the app server 105 that is accessible in real time.

The payment means registration unit 235 receives the user's payment means information from the user at the time of the first drive of the application 220 (or before the registration of the payment means) The application server 105 may transmit the payment method information of the user and request the application server 105 to register the information on the designated medium of the payment means server of the payment method issuer who has issued the payment means, And relays the received information to the operation server 300. The operation server 300 receives the payment information of the user and relays the information to the payment server of the payment provider. Or the payment means information of the user from the application server 105 to the payment means server of the payment means issuer. Meanwhile, the payment means server of the payment means issuer may receive the payment means information of the user and register and store the information on the designated medium of the payment means server. Meanwhile, the payment server may generate payment means identification information for identifying the payment means information of the user registered in the designated medium, and may provide the payment means identification information to the operation server 300 or the application server 105, The operation server 300 or the application server 105 may receive the payment means identification information and provide the payment information to the application server 105 or the application server 220 of the user wireless terminal 200, 105 or the payment means registration unit 235 may receive the payment means identification information and store the payment means identification information in a designated storage area of the user wireless terminal 200 or may store the identification information on the application server 105 Can be stored in a designated storage area.

According to another embodiment of the third method of registering the payment means, the payment means registration unit 235 (or the application module 260) may receive a request from the user at the time of initial operation of the application 220 The user can input the payment means information of the user and send the payment means information of the user to the operation server 300 to request the registration of the user on the designated medium of the payment means server of the payment means issuer issuing the payment means, The server 300 receives the payment means information of the user and relays the information to the payment means server of the payment means issuer, and the payment means server of the payment means issuer receives the payment means information of the user, You can register and save on media. Meanwhile, the payment means server generates payment means identification information for identifying the payment means information of the user registered in the designated medium and provides the payment means identification information to the operation server 300 according to the embodiment, The payment module registration module 235 (or the application module 260) may provide the payment module identification information to the application 220 (or the application module 260) of the wireless terminal 200, And store the information in a designated storage area of the user wireless terminal 200 accessible by the application 220 or in a designated storage area on the app server 105 that can be accessed by the application 220 in real time.

According to another embodiment of the third payment method registration method, the payment method registration unit 235 (or the application module 260) may be configured such that when the first operation of the application 220 (or before the registration of the payment means) And may request the payment means server of the issuer of the payment means issuing the payment means to transmit the payment means information of the user and to register the information on the designated medium of the payment means server, The payment means server of the issuer may receive the payment means information of the user and register and store the information on the designated medium of the payment means server. Meanwhile, the payment means server generates payment means identification information for identifying the payment means information of the user registered in the designated medium, and transmits the identification information to the application 220 (or the application module 260) of the user wireless terminal 200. [ The payment module registration module 235 (or the application module 260) may receive the payment module identification information and provide the payment module identification information to the user wireless terminal 200 Or may store the app 220 in a designated storage area on the app server 105 that is accessible in real time.

Referring to FIG. 2, when the near-field wireless signal including payment information is transmitted at a designated signal intensity from the store terminal 100, the app 220 of the wireless terminal 200 transmits the short- And a signal recognition confirmation unit (240) for receiving the short distance cordless signal and checking whether the payment information included in the short range wireless signal is recognized as valid through the application module (260), wherein the merchant information And an information output unit 245 for confirming and outputting the amount information of the payment information, and the information output unit 245 may be provided in the application module 260 according to the method.

When the near-field radio signal including the unique code, the merchant information and the payment information including the payment information is transmitted at the designated signal intensity at the store terminal 100, the signal recognition confirmation unit 240 transmits the short- And checks whether the short range wireless signal transmitted from the store terminal 100 is received through the short range wireless unit 210 and the payment information included in the short range wireless signal is recognized.

Meanwhile, it is confirmed that the application module 260 recognizes the payment information included in the near-field wireless signal through the signal recognition confirmation unit 240, and the merchant information of the payment information is confirmed through the application module 260 The information output unit 245 confirms the merchant information of the recognized payment information and the amount information of the recognized payment information through the application module 260 and outputs the information through the screen output unit 204. [

Referring to FIG. 2, the application 220 of the wireless terminal 200 confirms that the payment information included in the near-field wireless signal is recognized through the application module 260, and at the same time, And an authentication processing unit 250 for performing an authentication procedure designated for payment of the payment information when the authentication information is confirmed. Meanwhile, the authentication processing unit 250 may be included in the application module 260 according to an embodiment of the present invention, and thus the present invention is not limited thereto.

The authentication processing unit 250 may determine that the payment information included in the short distance wireless signal is received through the application module 260 and that the payment information is registered in the application 220 And performs the designated authentication procedure for payment of the payment information recognized through the application module 260 during the authentication procedure.

According to the first authentication example of the present invention, when the PIN authentication information for PIN authentication is registered and stored in the designated storage area of the user wireless terminal 200 through the authentication information registration unit 230, May display an interface screen for receiving a PIN from a user and may perform an authentication procedure for authenticating the validity of the PIN input through the interface screen using the PIN authentication information stored in the designated storage area.

According to the second authentication example of the present invention, when the PIN authentication information for PIN authentication is registered and stored in a designated storage medium of the app server 105 linked with the app 220 through the authentication information registration unit 230, The authentication processing unit 250 may display an interface screen for receiving a PIN from a user and may perform an authentication procedure for transmitting an input PIN to the application server 105 to request authentication, And can receive the authentication result of the PIN authentication procedure performed through the app server 105. [

According to the third authentication example of the present invention, when the PIN authentication information for PIN authentication is registered and stored in the designated storage medium of the operation server 300 through the authentication information registration unit 230 (or the application module 260) , The authentication processing unit 250 displays an interface screen for receiving a PIN from a user and transmits a PIN input through the interface screen to the operation server 300 to request authentication through the registered PIN authentication information And can receive the authentication result of the PIN authentication procedure performed through the operation server 300. [

According to the fourth authentication example of the present invention, when biometric authentication information for biometric authentication of a user is registered and stored in a designated storage area of the user wireless terminal 200 through the authentication information registration unit 230, 250 displays an interface screen for biometrics recognition of a user through the biometrics recognition unit 212 and displays biometrics authentication information stored in the designated storage area when the biometrics of the user is recognized through the biometrics unit 212 It is possible to perform an authentication procedure for authenticating the validity of the biometric information of the user recognized through the biometric unit 212 using the biometric information.

According to the fifth authentication example of the present invention, biometric authentication information for biometric authentication of a user is registered and stored in a designated storage medium of the app server 105 linked with the app 220 through the authentication information registration unit 230 The authentication processing unit 250 displays an interface screen for biometrics recognition of the user through the biometrics authentication unit 212. When the biometrics of the user is recognized through the biometrics unit 212, The biometric information of the user recognized through the application server 105 can be transmitted to the application server 105 and authentication can be performed, and the authentication result of the biometric authentication procedure performed through the application server 105 can be received can do.

According to the sixth authentication example of the present invention, the biometric authentication information for the user's biometric authentication is registered in the designated storage medium of the operation server 300 through the authentication information registration unit 230 (or the application module 260) The authentication processing unit 250 displays an interface screen for biometrics recognition of the user through the biometrics unit 212. When the biometrics unit 212 recognizes the user's biometrics, The biometric information of the user recognized through the authentication unit 212 may be transmitted to the operation server 300 to perform an authentication procedure for requesting authentication. .

Meanwhile, the authentication procedure of the authentication processing unit 250 is not limited to at least one of the illustrated first to sixth authentication examples, and according to the intention of a person skilled in the art, The present invention may include various authentication procedures other than authentication and biometric authentication, and the present invention may include the various authentication procedures as a scope of right.

Referring to FIG. 2, the application 220 of the wireless terminal 200 receives the payment information included in the near-field wireless signal and transmits the payment information to the mobile terminal 200 through the authentication processing unit 250 (or the application module 260) A payment request process using a payment means of a user registered on a designated medium using a unique code of the payment information recognized through the application module 260 and merchant information and amount information when the authentication process is authenticated) And a request procedure unit 255. Meanwhile, the payment request processing unit 255 may be provided in the application module 260 according to the embodiment, and thus the present invention is not limited thereto.

The payment request processing unit 255 composes payment request information including the unique code of the payment information recognized through the application module 260 and the merchant information and the amount information to transmit the designated payment path, The user can request the merchant corresponding to the merchant information of the payment information to settle the amount corresponding to the amount information of the payment information using the payment means of the user.

When the user's payment means is registered on the designated medium of the application server 105 according to the first payment method registration embodiment of the present invention, The merchant information and the amount information of the payment information, the merchant information of the payment information, and / or the payment information of the user registered on the designated medium, The application server 105 receives the payment request information from the user wireless terminal 200 and transmits the payment request information to the application server 105. [ And the payment means information of the user registered on the designated medium of the application server 105 (or the designated payment information of the user) based on the authentication result of at least one authentication procedure performed for payment of the payment information (Payment means information corresponding to the payment means identification information selected through the application 220) among the payment means information of the user registered in the payment request information of the user registered in the payment request information, It is possible to configure the payment processing information including the unique code, the merchant information, and the amount information, and transmit the payment processing information to the operation server 300 to request payment processing. The operation server 300 receives the payment processing information from the application server 105, checks the payment method information of the user included in the payment processing information, the unique code of the payment information, the merchant information and the amount information , Generates payment approval request information including the user's payment means information, amount information, and merchant information, and transmits the payment approval request information to the payment approval server 110 corresponding to the payment means information to request a payment approval (For example, it is included in the payment approval request information and is included in the result information, and is not duplicated in the payment approval request information or the result information of the other payment) (For example, payment means information, token information allocated for payment identification) and the unique code, Can be stored in the long area). Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment information of the user included in the payment approval request information as a merchant corresponding to the merchant information The settlement approval process for approving the settlement of the amount corresponding to the amount information is performed and then the result information of the settlement approval procedure is generated and transmitted to the operation server 300, 110, and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure. Meanwhile, the operation server 300 may provide the result information in a reverse path of the path that received the payment processing information, and the payment request processing unit 255 receives the result information through the reverse path Can be output.

When the user's payment means is registered in the designated medium of the operation server 300 according to the second payment method registration embodiment of the present invention, The merchant information and the amount information of the payment information, the merchant information of the payment information, and / or the payment information of the user registered on the designated medium, The application server 105 receives the payment request information from the user wireless terminal 200 and transmits the payment request information to the application server 105. [ And transmits the payment processing information corresponding to the payment request information to the operation server 300 based on the authentication result of at least one authentication procedure performed for payment of the payment information, Processing can be requested. The operation server 300 receives the payment processing information from the application server 105 and transmits payment method information of the user registered on the designated medium of the operation server 300 (Payment means information corresponding to the payment means identification information selected through the application 220) of the payment information, confirms the unique code of the payment information, the merchant information and the money amount information, And the merchant information, and transmits the payment approval request information to the payment approval server 110 corresponding to the payment means information to request a payment approval, and at the same time, (E.g., included in the payment approval request information and included in the result information, Or it may be linked to at least one of the unique information (for example, assignment information for the payment method, payment information, identification token) and the unique code results do not overlap in the information stored in the specified storage). Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment information of the user included in the payment approval request information as a merchant corresponding to the merchant information The settlement approval process for approving the settlement of the amount corresponding to the amount information is performed and then the result information of the settlement approval procedure is generated and transmitted to the operation server 300, 110, and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure. Meanwhile, the operation server 300 may provide the result information in a reverse path of the path that received the payment processing information, and the payment request processing unit 255 receives the result information through the reverse path Can be output.

Meanwhile, when the payment means of the user is registered on the designated medium of the operation server 300 according to the second payment method registration embodiment of the present invention, the payment request processing unit 255 (or the application module 260) A unique code of the payment information recognized through the application module 260, merchant information and amount information, and further includes the merchant information of the payment information according to the method of operation and / or the payment means information of the user registered on the designated medium And transmits the payment request information including the payment means identification information corresponding to the payment means selected through the application 220 to the operation server 300. The operation server 300 transmits the payment request information to the user wireless terminal 200 or the payment request information of the user registered in the designated medium of the operation server 300 or the payment information of the user registered in the designated medium, And then confirms the unique code of the payment information, the merchant information and the amount information, and then transmits a payment approval request including the payment information of the user, the amount information, and the merchant information Information can be generated and transmitted to the payment approval server 110 corresponding to the payment means information to perform a payment procedure for requesting payment approval. The payment procedure is performed and the unique code is associated with the payment procedure (E.g., at least one unique information included in the payment approval request information and also included in the result information and not overlapping the payment approval request information or the result information of another payment (for example, payment means information, tokens allocated for payment identification Information) and the inherent code and stores them in a designated storage area). Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment information of the user included in the payment approval request information as a merchant corresponding to the merchant information The settlement approval process for approving the settlement of the amount corresponding to the amount information is performed and then the result information of the settlement approval procedure is generated and transmitted to the operation server 300, 110, and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure. Meanwhile, the operation server 300 may provide the result information on the reverse path of the path that received the payment request information, and the payment request processing unit 255 receives the result information through the reverse path Can be output.

In a case where the user's payment means is registered on the designated medium of the payment means server of the issuer of the payment means issuing the payment means to the user according to the third payment means registration embodiment of the present invention, Module 260, the merchant information and the amount information, and further includes the merchant information of the payment information according to the execution method and / or the payment information of the user registered on the designated medium The application server 105 configures the payment request information further including the payment means identification information corresponding to the selected payment means through the application 220 and transmits the payment request information to the application server 105, Receiving a payment request information corresponding to the settlement request information from the at least one authentication process performed for payment of the settlement information, By sending information to the re-operation server 300 may request the payment process. The operation server 300 receives the payment processing information from the application server 105 and stores payment means identification information (or payment information) for identifying the payment means information of the user registered on the designated medium of the payment means server of the payment means issuer (Payment means identification information for identifying the payment means information selected through the application 220 among the payment means information of the user registered in the designated medium), confirms the unique code of the payment information, the merchant information and the amount information, Generates payment approval request information including the user's payment means identification information, amount information, and merchant information, and transmits the payment approval request information to the payment means server or the payment approval server 110 of the payment means issuer corresponding to the payment means identification information, And the payment process is performed, and at the same time, the unique code is associated with the payment process At least one unique information (e.g., payment means information, tokens allocated for payment identification, etc.) included in the payment approval request information and included in the result information and not overlapping with the payment approval request information or the result information of another payment Information) and the inherent code and stores them in a designated storage area). On the other hand, the payment server or the payment approval server 110 receives the payment approval request information from the operation server 300 and transmits the payment approval request information to the payment agent issuer through the payment means identification information of the user included in the payment approval request information The payment means information of the user registered in the designated medium of the means server can be confirmed. The payment approval server 110 uses the payment means information of the user identified from the designated medium of the payment means server to confirm the payment of the amount corresponding to the amount information to the merchant corresponding to the merchant information And transmits the result information of the settlement approval procedure to the operation server 300. The operation server 300 receives result information of the settlement procedure requested by the settlement approval server 110, And the result information of the settlement procedure can be provided to the store terminal 100 using a unique code associated with the settlement procedure. Meanwhile, the operation server 300 may provide the result information in a reverse path of the path that received the payment processing information, and the payment request processing unit 255 receives the result information through the reverse path Can be output.

Meanwhile, when the payment means of the user is registered on the designated medium of the payment means server of the issuer of the payment means issuing the payment means to the user according to the third payment means registration embodiment of the present invention, The application module 260) includes a unique code of the payment information recognized through the application module 260, merchant information and amount information, and further includes merchant information of the payment information according to the method of implementation and / And transmits the payment request information including the payment means identification information corresponding to the payment means selected through the application 220 to the operation server 300, 300) receives the payment request information from the user wireless terminal (200), identifies the payment means information of the user registered on the designated medium of the payment means server of the payment means issuer (Or the payment means identification information for identifying the payment means information selected through the application 220 among the payment means information of the user registered in the designated medium) and transmits the unique code of the payment information and the merchant information And money amount information, generates payment approval request information including the payment means identification information, the amount information, and the merchant information of the user, and transmits the payment approval request information to the payment means server or payment approval server of the payment means issuer corresponding to the payment means identification information 110), and can perform a settlement procedure for requesting payment approval. At the same time that the settlement procedure is performed, the unique code is maintained in association with the settlement procedure (e.g., included in the settlement approval request information and included in the result information And at least one unique information (e.g., payment) that does not duplicate payment authorization request information or result information of another payment In conjunction only information, allocated for the payment token identification information) and the unique code may be stored in the specified storage). On the other hand, the payment server or the payment approval server 110 receives the payment approval request information from the operation server 300 and transmits the payment approval request information to the payment agent issuer through the payment means identification information of the user included in the payment approval request information The payment means information of the user registered in the designated medium of the means server can be confirmed. Meanwhile, the payment approval server 110 uses the payment means information of the user identified from the designated medium of the payment means server to confirm the payment of the amount corresponding to the amount information to the merchant corresponding to the merchant information, And transmits the result information of the payment approval procedure to the operation server 300. The operation server 300 receives the result information of the payment procedure requested by the payment approval server 110 , And can provide the result information of the settlement procedure to the store terminal 100 using a unique code associated with the settlement procedure. Meanwhile, the operation server 300 may provide the result information on the reverse path of the path that received the payment request information, and the payment request processing unit 255 receives the result information through the reverse path Can be output.

Referring to FIG. 2, when the near-field radio signal is transmitted asynchronously through the signal transmitting and receiving unit of the store terminal 100, the app module 260 of the mobile terminal 200 transmits the near- And an asynchronous activation unit 265 for activating a radio signal to be received asynchronously. The asynchronous activation unit 265 may be omitted when the near-field radio signal is not transmitted or received asynchronously or is set so that the near-field radio unit 210 asynchronously receives the near- Do.

When the user wireless terminal 200 drives the application 220, the asynchronous activation unit 265 activates the short range wireless signal of the specified signal standard through the short range wireless unit 210 so as to be able to receive asynchronously. Preferably, the asynchronous activation unit 265 activates the asynchronous signal reception function of the short range wireless unit 210 so that the asynchronous activation unit 265 can asynchronously receive the short distance wireless signal transmitted asynchronously through the signal transmission / reception unit of the store terminal 100.

2, an application module 260 of the wireless terminal 200 includes a signal data checking unit 270 for checking signal data corresponding to a short range wireless signal received through the short range wireless unit 210, And a signal recognition processing unit (275) for performing a designated sequence of procedures for recognizing the settlement information included in the near-field wireless signal using the signal data. When the payment information included in the near-field wireless signal is recognized The mobile terminal further comprises an information checking unit for checking the merchant information associated with the unique code of the payment information or the payment information included in the local wireless signal is recognized and the merchant information associated with the unique code of the payment information is confirmed) Requesting the application 220 to perform an authentication procedure for payment and / or requesting to perform a payment request procedure using the recognized payment information Further comprising a processing unit (280).

The signal data checking unit 270 checks the signal data corresponding to the short range wireless signal received (for example, asynchronously) through the short range wireless unit 210. Preferably, the signal data verifying unit 270 transmits (for example, asynchronous transmission) a signal through the signal transmitting / receiving unit of the designated store terminal 100 among short-range wireless signals received (for example, asynchronously received) (For example, asynchronously transmitted) through the signal transmission / reception unit of the store terminal 100 using a specific identifier included in a designated area of the signal data corresponding to the short- .

When the signal data corresponding to the short range wireless signal received through the short range wireless unit 210 is confirmed through the signal data verifying unit 270, the signal recognizing unit 275 recognizes the signal A procedure for recognizing the settlement information included in the short distance wireless signal transmitted from the store terminal 100 is performed.

According to the first signal recognition embodiment of the present invention, the signal recognition processor 275 reads out signal data based on a signal specification specified in the user wireless terminal 200 and transmits the payment information included in the near- Can be recognized.

On the other hand, when the payment information included in the near-field wireless signal is recognized according to the first signal recognition embodiment, the signal recognition processing unit 275 transmits the amount information of the payment information and the merchant information To be output.

Meanwhile, according to the second signal recognition embodiment of the present invention, the signal recognition processing unit 275 may include a recognition server (not shown) having a signal recognition module capable of recognizing the payment information included in the short distance wireless signal transmitted from the store terminal 100 (Not shown) to transmit the signal data. The signal recognition module of the recognition server receives the signal data, reads the signal data based on the designated signal standard, recognizes the payment information included in the near field wireless signal, 260), and the signal recognition processor 275 receives the recognized payment information.

Meanwhile, when the payment information included in the near-field wireless signal is recognized through the signal recognition module of the recognition server according to the second signal recognition embodiment, the signal recognition module of the recognition server transmits the application The module 260 may provide the recognized payment information, and the signal recognition processing unit 275 may receive the recognized payment information.

Meanwhile, when the payment information recognized through the signal recognition module of the recognition server is received by the application module 260 of the user wireless terminal 200, the signal recognition processor 275 receives the payment information through the information output unit 245 And can output the amount information of the payment information and the merchant information.

Meanwhile, according to the third signal recognition embodiment of the present invention, the signal recognition processor 275 can process the signal data to be transmitted on the designated path. The operating server 300 receives the signal data via the designated path, reads the signal data based on the designated signal standard, recognizes the payment information included in the near-field wireless signal, And the signal recognition processing unit 275 receives the recognized payment information.

Meanwhile, when payment information included in the near-field wireless signal is recognized through the operation server 300 according to the third signal recognition embodiment, the operation server 300 transmits the recognized payment information to a designated path (e.g., The signal recognition processing unit 275 may receive the payment information via the designated route and then transmit the payment information through the information output unit 245 And output the amount information and the merchant information of the merchant.

When the payment information included in the near field wireless signal is recognized, the request processing unit 280 requests the authentication processing unit 250 of the application 220 to perform an authentication procedure for payment and / The user can request the user to perform a payment request procedure using the recognized payment information by using the payment means of the user registered in the designated medium through the payment unit 255. [

FIG. 3 is a diagram illustrating a configuration of an operation server 300 for a local wireless signal-based store settlement according to an embodiment of the present invention.

FIG. 3 is a block diagram of a store terminal 100, which is provided in a store or is carried by an employee of a store, and stores a unique code for uniquely identifying the store or the store terminal 100, And transmits the wireless signal to the user wireless terminal 200. The wireless wireless terminal 200 receives the wireless local area wireless signal and transmits the wireless signal to the user wireless terminal 200, The present invention is not limited to the configuration of the operation server 300 that processes the settlement of the recognized payment information. It should be understood that those skilled in the art can refer to and / It is possible to infer various implementations of the configuration of the operational server 300 (e.g., some configuration portions omitted, or fragmented, or combined implementations) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 3, the operation server 300 confirms the unique code of the payment information transmitted from the store terminal 100 to the user wireless terminal 200 via the designated path, the merchant information, and the amount information A payment request confirmation unit 305 for confirming the payment means information of the user registered in the designated medium or confirming the payment means identification information for identifying the payment means information of the user registered in the designated medium, A settlement procedure unit 310 for performing a settlement procedure for requesting settlement approval to a designated settlement approval server 110 using settlement approval request information including amount information, A code retaining unit 315 for maintaining the reconciliation process in association with the settlement procedure, a result confirming unit 320 for confirming the result information of the settlement procedure, And a result providing unit 325 for providing the result information to the store terminal 100 corresponding to the unique code stored in the storage area associated with the settlement procedure.

When the user's payment means is registered on the designated medium of the application server 105 according to the first payment method registration embodiment of the present invention, the application 220 of the user wireless terminal 200 transmits (220) of the user's payment means information of the user registered in the designated medium, and / or the merchant information of the user wireless terminal (200) The application server 105 transmits the payment request information including the payment means identification information corresponding to the selected payment means to the application server 105, Information of the user registered in the designated medium of the application server 105 based on the authentication result of at least one authentication procedure performed for payment of the payment information, Payment means information corresponding to the payment means identification information selected through the application 220 of the user wireless terminal 200 among the payment means information of the user registered on the designated medium) And payment processing information including the unique code of the payment information included in the payment request information received from the app 220 of the mobile terminal 200 and the merchant information and the amount information and transmits the payment processing information to the operation server 300 to request the payment processing . The payment request confirmation unit 305 receives the payment processing information from the application server 105 and transmits the payment information of the user included in the payment processing information and the unique code of the payment information, Can be confirmed. Meanwhile, the payment procedure unit 310 generates payment approval request information including the payment information of the user, amount information, and merchant information, transmits the payment approval request information to the payment approval server 110 corresponding to the payment means information, And the code retaining unit 315 maintains the unique code in association with the settlement process (for example, it is included in the payment approval request information and included in the result information) And stores at least one unique information (for example, payment means information and token information allocated for payment identification) that is not duplicated in the payment approval request information or result information of another payment in the designated storage area in association with the unique code, can do. Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment means information of the user included in the payment approval request information as a merchant corresponding to the merchant information And transmits the result information of the payment approval procedure to the operation server 300. The result confirmation unit 320 receives the settlement approval request from the payment approval server 320, The result providing unit 325 receives result information of the settlement procedure requested by the settlement unit 110 and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure .

When the user's payment means is registered on the designated medium of the operation server 300 according to the second payment method registration embodiment of the present invention, the app 220 of the user wireless terminal 200 transmits the recognized payment information (220) of the user's payment means information of the user registered in the designated medium, and / or the merchant information of the user wireless terminal (200) The application server 105 transmits the payment request information including the payment means identification information corresponding to the selected payment means to the application server 105, And transmits the payment processing information corresponding to the payment request information to the operation server 300 based on the authentication result of at least one authentication procedure performed for payment of the payment information And request payment processing. The settlement request confirmation unit 305 receives the settlement processing information from the app server 105 and transmits settlement information of the user registered on the designated medium of the operation server 300 Payment means information corresponding to the payment means identification information selected through the application 220 of the user wireless terminal 200 among the payment means information of the user wireless terminal 200) and confirm the unique code of the payment information, the merchant information and the money amount information. Meanwhile, the payment procedure unit 310 generates payment approval request information including the payment information of the user, amount information, and merchant information, transmits the payment approval request information to the payment approval server 110 corresponding to the payment means information, And the code retaining unit 315 maintains the unique code in association with the settlement process (for example, it is included in the payment approval request information and included in the result information) And stores at least one unique information (for example, payment means information and token information allocated for payment identification) that is not duplicated in the payment approval request information or result information of another payment in the designated storage area in association with the unique code, can do. Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment means information of the user included in the payment approval request information as a merchant corresponding to the merchant information And transmits the result information of the payment approval procedure to the operation server 300. The result confirmation unit 320 receives the settlement approval request from the payment approval server 320, The result providing unit 325 receives result information of the settlement procedure requested by the settlement unit 110 and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure .

Meanwhile, when the user's payment means is registered on the designated medium of the operation server 300 according to the second payment method registration embodiment of the present invention, the application 220 (or the application module 260 ) Includes a unique code of the recognized payment information, merchant information, and amount information, and further includes merchant information of the payment information according to the method of implementation, and / or includes payment information of a user registered on a designated medium The settlement request identifying unit 305 constructs the settlement request information further including the settlement unit identification information corresponding to the selected settlement unit through the application 220 of the terminal 200 and transmits the settlement request information to the operation server 300, And receives the payment request information from the user wireless terminal 200 and transmits the payment means information of the user registered on the designated medium of the operation server 300 (or the payment means information of the user registered on the designated medium, (Payment means information corresponding to the selected payment means identification information through the app 220 of the user wireless terminal 200), and confirm the unique code, the merchant information and the money amount information of the payment information. Meanwhile, the payment procedure unit 310 generates payment approval request information including the payment information of the user, amount information, and merchant information, transmits the payment approval request information to the payment approval server 110 corresponding to the payment means information, And the code retaining unit 315 maintains the unique code in association with the settlement process (for example, it is included in the payment approval request information and included in the result information) And stores at least one unique information (for example, payment means information and token information allocated for payment identification) that is not duplicated in the payment approval request information or result information of another payment in the designated storage area in association with the unique code, can do. Meanwhile, the payment approval server 110 receives the payment approval request information from the operation server 300, and uses the payment means information of the user included in the payment approval request information as a merchant corresponding to the merchant information And transmits the result information of the payment approval procedure to the operation server 300. The result confirmation unit 320 receives the settlement approval request from the payment approval server 320, The result providing unit 325 receives result information of the settlement procedure requested by the settlement unit 110 and provides the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure .

When the payment means of the user is registered on the designated medium of the payment means server of the issuer of the payment means issuing the payment means to the user according to the third payment method registration embodiment of the present invention, ) Of the payment information includes the unique code of the recognized payment information, merchant information, and amount information, and further includes merchant information of the payment information according to the method of implementation, and / The application server 105 configures the payment request information further including the payment means identification information corresponding to the selected payment means through the application 220 of the application server 200 and transmits the payment request information to the application server 105, Receiving the settlement request information from the terminal 200, and responding to the settlement request information based on the authentication result of at least one authentication procedure performed for settlement of the settlement information It may be sent to the payment processing information to the production server 300 to request the payment process. The settlement request confirmation unit 305 receives the settlement processing information from the application server 105 and stores settlement means identification information for identifying the settlement means information of the user registered on the designated medium of the settlement means server of the settlement means issuer (Or payment means identification information for identifying the payment means information selected through the application 220 of the user wireless terminal 200 among the payment means information of the user registered on the specified medium) Information and amount information. Meanwhile, the payment procedure unit 310 generates payment approval request information including the payment method identification information, the amount information, and the merchant information of the user and transmits the payment approval request information including the payment means server of the payment method issuer corresponding to the payment method identification information, The code retaining unit 315 may perform the settlement procedure for requesting payment approval by transmitting the unique code to the server 110. The code retaining unit 315 maintains the unique code in connection with the settlement process At least one unique information (for example, payment means information and token information allocated for payment identification) included in the approval request information and included in the result information and not duplicated in the payment approval request information or the result information of another payment, Code can be linked and stored in a designated storage area). On the other hand, the payment server or the payment approval server 110 receives the payment approval request information from the operation server 300 and transmits the payment approval request information to the payment agent issuer through the payment means identification information of the user included in the payment approval request information The payment means information of the user registered in the designated medium of the means server can be confirmed. The payment approval server 110 uses the payment means information of the user identified from the designated medium of the payment means server to confirm the payment of the amount corresponding to the amount information to the merchant corresponding to the merchant information And transmits result information of the payment approval procedure to the operation server 300. The result confirmation unit 320 receives the result information of the payment procedure requested by the payment approval server 110 The result providing unit 325 may provide the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure.

Meanwhile, when the payment means of the user is registered on the designated medium of the payment means server of the issuer of the payment means issuing the payment means to the user according to the third payment method registration example of the present invention, 220) (or the application module 260), the unique code of the recognized payment information, the merchant information and the amount information, and further includes the merchant information of the payment information and / If the payment request information including the payment means identification information corresponding to the payment means selected through the application 220 of the user wireless terminal 200 among the payment means information of the user is configured and transmitted to the operation server 300, The payment request confirming unit 305 receives the payment request information from the user wireless terminal 200 and transmits the settlement request to the user (Or payment means identification information for identifying the payment means information selected through the application 220 of the user wireless terminal 200 among the payment means information of the user registered in the specified medium) identifying the means information And can confirm the unique code of the payment information, the merchant information, and the amount information. Meanwhile, the payment procedure unit 310 generates payment approval request information including the payment method identification information, the amount information, and the merchant information of the user and transmits the payment approval request information including the payment means server of the payment method issuer corresponding to the payment method identification information, The code retaining unit 315 may perform the settlement procedure for requesting payment approval by transmitting the unique code to the server 110. The code retaining unit 315 maintains the unique code in connection with the settlement process At least one unique information (for example, payment means information and token information allocated for payment identification) included in the approval request information and included in the result information and not duplicated in the payment approval request information or the result information of another payment, Code can be linked and stored in a designated storage area). On the other hand, the payment server or the payment approval server 110 receives the payment approval request information from the operation server 300 and transmits the payment approval request information to the payment agent issuer through the payment means identification information of the user included in the payment approval request information The payment means information of the user registered in the designated medium of the means server can be confirmed. Meanwhile, the payment approval server 110 uses the payment means information of the user identified from the designated medium of the payment means server to confirm the payment of the amount corresponding to the amount information to the merchant corresponding to the merchant information, And transmits the result information of the payment approval procedure to the operation server 300. The result confirmation unit 320 receives the result information of the payment procedure requested by the payment approval server 110 And the result provider 325 may provide the result information of the settlement procedure to the store terminal 100 using the unique code associated with the settlement procedure.

It should be understood, however, that the embodiments of carrying out the payment procedure of the present invention are not limited to the above-described exemplary embodiments, and various modifications may be made to at least two embodiments of the illustrated embodiments at least partially in accordance with the intention of those skilled in the art And it is evident that the present invention also belongs to the scope of the present invention.

4 is a diagram illustrating a process of storing unique code and affiliation point information in the store terminal 100 according to an embodiment of the present invention.

4 is a diagram showing a unique code uniquely assigned uniquely to uniquely identify the store or the store terminal 100 requesting settlement in a designated storage area of the store terminal 100, As a person skilled in the art to which the present invention pertains, reference to and / or modification of FIG. 4 may be applied to various implementations of the process (e.g., some steps may be omitted , Or an embodiment in which the order is changed). However, the present invention includes all of the above-mentioned embodiments, and the technical features thereof are not limited only by the method shown in FIG.

4, the store terminal 100 identifies a unique code for uniquely identifying a store or a store terminal 100 to be settled (400), stores the unique code in a designated storage area of the store terminal 100 (405).

The store terminal 100 confirms the merchant information identifying the merchant to be paid by the user (410), and stores the merchant information in the designated storage area of the store terminal (415). Advantageously, the unique code and merchant information may be stored in association with a designated storage area.

5 is a diagram illustrating a process of signaling and transferring payment information from a store terminal 100 to a user wireless terminal 200 according to an embodiment of the present invention.

5 illustrates payment information including amount information corresponding to the payment amount in the store terminal 100, payment information including the unique code stored in the designated storage area of the store terminal 100 and merchant information, The user wireless terminal 200 recognizes the payment information included in the near-field wireless signal when the user terminal 200 transmits a predetermined number of times or more. If a person skilled in the art is familiar with the present invention, It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the present invention as defined by the following claims. The technical features thereof are not limited only by the method shown in FIG. 5 is a block diagram illustrating an asynchronous transmission of a short distance radio signal from a taxi terminal and asynchronously receiving the asynchronous short distance wireless signal through a short distance wireless unit 210 of a user wireless terminal 200. [ It is to be noted that the present invention is not limited to the asynchronous embodiment.

Referring to FIG. 5, the store terminal 100 confirms the amount information corresponding to the payment amount to be paid by the user (500).

Meanwhile, when the amount information corresponding to the payment amount to be paid by the user is confirmed, the store terminal 100 confirms the unique code and the merchant information stored in the designated storage area of the store terminal 100 (505) The payment information including the code, the merchant information, and the amount information is configured (510), the payment information is included in the local wireless signal of the designated signal standard, and the number of times specified by the signal strength designated by the signal transmission / (515).

Meanwhile, the user wireless terminal 200 includes an app 220 that includes (or interlocks with) an app module 260 that recognizes payment information included in a short distance wireless signal transmitted asynchronously through the signal transmitting / receiving unit of the store terminal 100 (520) and acquires the access right of the app module 260 to the short range wireless unit 210 of the wireless terminal 200 (525). When the access right of the application module 260 is acquired, the application module 260 of the user wireless terminal 200 activates the function of asynchronously receiving the short-range wireless signal through the short-range wireless unit 210 530).

Meanwhile, the application module 260 of the user wireless terminal 200 confirms the signal data corresponding to the short-range wireless signal received asynchronously through the short-range wireless unit 210 (535). If the signal data is confirmed, the application module 260 of the user wireless terminal 200 performs a procedure for recognizing the payment information included in the near-field wireless signal using the signal data (operation 540). For example, the application module 260 of the user wireless terminal 200 may recognize the payment information included in the near-field wireless signal according to at least one of the first to third signal recognition embodiments of the present invention Procedure may be performed (540).

If the payment information included in the near field wireless signal is recognized using the signal data, the app module 260 of the user wireless terminal 200 can output the amount information and the merchant information of the received payment information (545).

6 is a diagram illustrating a process of processing settlement of settlement information transmitted from a store terminal 100 to a user wireless terminal 200 according to a first embodiment of the present invention.

6 shows a case where payment means information of a user is registered and stored in a designated medium of an app server 105 linked to an app 220 of a user wireless terminal 200 and the app 220 of the user wireless terminal 200 ), The payment server 100 processes the settlement of payment information requested by the application server 105. In other words, if a person having ordinary skill in the art will understand the present invention, Referring to and / or modified with reference to FIG. 6, various implementations of the process (e.g., some steps may be omitted or alternate sequences) may be inferred, but the present invention encompasses all of the above- And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 6, the application 220 of the user wireless terminal 200 performs an authentication procedure 600 for payment of the billing information recognized through the application module 260 (600) The app server 105 linked with the app 220 may perform the server-side procedure of the authentication procedure designated for payment of the payment information (600).

If authentication of the authentication procedure for payment of the signal-recognized payment information is successful, the application 220 of the user wireless terminal 200 forms the payment request information for requesting payment of the signal-recognized payment information ( 605 and transmits the payment request information to the application server 105 in step 610. The application server 105 receives the payment request information from the application 220 of the user wireless terminal 200 in step 615 ).

Meanwhile, the application server 105 confirms the payment method information of the user from the designated medium (620), and transmits the payment method information of the user to the payment server 200 through the application module 260 of the user wireless terminal 200 (630), and the operation server 300 receives the payment processing information from the application server 105 (635), and transmits the payment processing information to the operation server 300 ).

The operation server 300 includes the payment information of the user, the amount information of the payment information signal-recognized through the application module 260 of the user wireless terminal 200, and the merchant information of the signal-recognized payment information The payment approval request information is configured (640), and the payment approval request information is transmitted to the payment approval server 110 corresponding to the payment means information to request payment approval, and at the same time, The code is maintained in conjunction with the settlement procedure (645).

The operation server 300 checks whether the result information of the payment procedure is received from the payment approval server 110 (650). If the result information of the settlement procedure is confirmed, the operation server 300 confirms the unique code of the settlement information associated with the settlement procedure (655), and transmits the unique code of the settlement information And provides the result information to the corresponding store terminal (660). The store terminal 100 receives and outputs information on the result of processing the settlement of payment information from the operation server 300 and outputs the received information to the store terminal 100. When the store terminal 100 has a printing unit capable of printing a receipt, A receipt containing the result information may be printed out (665).

7 is a diagram illustrating a process of processing settlement of settlement information transmitted from a store terminal 100 to a user wireless terminal 200 according to a second embodiment of the present invention.

In more detail, FIG. 7 shows a case where payment means information of a user is registered and stored in a designated medium of the operation server 300 and the signal recognition and delivery is performed to the designated application server 105 in the application 220 of the user wireless terminal 200 The process of processing the payment in the case of requesting settlement of settlement information. As a person skilled in the art to which the present invention pertains, it is possible to refer to and / or modify the FIG. 7, It is to be understood that the present invention is not limited to the above-described embodiment (s), but it is to be understood that the present invention is not limited to the embodiment (s) Technical features are not limited.

Referring to FIG. 7, the application 220 of the user wireless terminal 200 performs an authentication procedure 700 for payment of the billing information recognized through the application module 260 (700) The app server 105 linked with the app 220 may perform a server-side procedure of an authentication procedure designated for payment of the payment information (700).

If authentication of the authentication procedure for payment of the signal-recognized payment information is successful, the application 220 of the user wireless terminal 200 forms the payment request information for requesting payment of the signal-recognized payment information ( 705 and transmits the payment request information to the application server 105 in step 710. The application server 105 receives the payment request information from the application 220 of the user wireless terminal 200 ).

Meanwhile, the application server 105 constructs payment processing information for transferring the payment request information to the operation server 300 (720), transmits the payment processing information to the operation server 300 (725) The operation server 300 receives the payment processing information from the application server 105 (730).

The operating server 300 checks the payment method information of the user from the designated medium 735 and transmits the payment method information of the user to the operating server 300 through the application module 260 of the user wireless terminal 200 (740), and transmits the payment approval request information to the payment approval server (110) corresponding to the payment means information And performs a payment procedure for requesting payment approval, and maintains the unique code of the payment information in association with the payment procedure (745).

The operation server 300 checks whether the result information of the payment procedure is received from the payment approval server 110 (operation 750). If the result information of the settlement procedure is confirmed, the operation server 300 confirms the unique code of the settlement information associated with the settlement procedure (step 755), and the unique code of the settlement information is used And provides the result information to the corresponding store terminal 100 (760). The store terminal 100 receives the result information of the settlement of payment information from the operation server 300 and outputs the result information to the store terminal 100. When the store terminal 100 has a printing unit capable of printing a receipt, A receipt containing the result information may be printed out (765).

FIG. 8 is a diagram illustrating a process of processing settlement of payment information transmitted from a store terminal 100 to a user wireless terminal 200 according to a third embodiment of the present invention.

8 shows a case where payment means information of a user is registered and stored in a designated medium of the operation server 300 and the application module 260 of the user wireless terminal 200 transmits the signal recognition FIG. 8 is a flowchart illustrating a process of processing the settlement when requesting settlement of settlement information according to an embodiment of the present invention. Referring to FIG. 8 and / or modified by the person skilled in the art, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Its technical characteristics are not limited.

Referring to FIG. 8, the application 220 of the user wireless terminal 200 performs an authentication procedure (800) for payment of the billing information recognized through the application module 260 (800) The app server 105 linked with the app 220 may perform the server-side procedure of the authentication procedure specified for payment of the payment information.

If authentication of the authentication procedure for payment of the signal-recognized payment information is successful, the application module 260 of the user wireless terminal 200 forms payment request information for requesting payment of the signal-recognized payment information The payment request information is transmitted to the operation server 300 in operation 805 and the operation server 300 receives the payment request information from the application 220 of the user wireless terminal 200 815).

The operating server 300 checks the payment method information of the user from the designated medium 820 and transmits the payment method information of the user to the operating server 300 through the application module 260 of the user wireless terminal 200 The payment approval request information including the amount information of the payment information and the merchant information of the recognized payment information is constructed 825 and the payment approval request information is transmitted to the payment approval server 110 corresponding to the payment means information And a unique code of the payment information is maintained in association with the payment procedure (830).

The operation server 300 confirms whether the result information of the settlement procedure is received from the settlement approval server 110 (835). If the result information of the settlement procedure is confirmed, the operation server 300 checks the unique code of the settlement information associated with the settlement procedure (840), and transmits the unique code of the settlement information And provides the result information to the corresponding store terminal 100 (845). The store terminal 100 receives information on the result of processing the settlement of payment information from the operation server 300 and outputs the result information to the store terminal 100. If the store terminal 100 has a printing unit capable of printing a receipt, A receipt containing the result information may be printed out (850).

100: Store terminal 105: App server
110: Payment approval server 200: User wireless terminal
210: Near field wireless part 220: App
230: authentication information registration unit 235:
240: signal recognition confirmation unit 245: information output unit
250: authentication processing unit 255: settlement request processing unit
260: App module 265: Buffering processor
270: Signal data checking unit 275: Signal recognition processing unit
280: Request processing unit 300: Operation server
305: payment request confirmation unit 310: payment procedure unit
315: Code holding unit 320: Result confirmation unit
325: The resultant offerer

Claims (21)

1. A method executed by a user wireless terminal and an operation server having a store terminal for transmitting a designated short range wireless signal and a short range wireless unit for receiving the short range wireless signal,
Storing a unique code uniquely assigned uniquely in order to uniquely identify the store or a store terminal in a designated storage area of a store terminal carried in a store or carried by an employee of a shop, step;
The settlement terminal confirms the amount information corresponding to the settlement amount at the time of settlement using the store terminal, and stores the settlement information including the unique code, the merchant information, A second step of processing the signal included in the radio signal and outputting the signal with a designated signal intensity through the signal transmitting and receiving unit of the store terminal;
When the user's wireless terminal operates an app that includes (or interlocks with) an app module capable of processing a short-range wireless signal of the store terminal, the app module of the user wireless terminal transmits a short- A third step of confirming the signal data corresponding to the signal;
A fourth step of performing a procedure for the application module of the user wireless terminal to read the signal data and recognize the payment information included in the near field wireless signal;
A fifth step of, when the payment information is recognized, processing a payment request procedure of the recognized payment information to be performed using a user's payment means registered in a designated medium by the application module of the user wireless terminal;
The operating server confirms the unique code of the payment information transmitted from the store terminal to the user wireless terminal via the designated path, the merchant information and the amount information, confirms the payment means information of the user registered on the designated medium, A sixth step of confirming the payment means identification information for identifying the payment means information of the user registered in the medium; And
And a seventh step of performing a payment procedure for requesting payment approval to the designated payment approval server using the payment approval request information including the confirmed payment means information, the amount information, and the merchant information, Payment method using signal.
2. The method of claim 1,
Wherein the asynchronous transmission is asynchronously transmitted through the store terminal and asynchronously received through the local wireless unit of the user wireless terminal.
3. The method as claimed in claim 2,
Wherein at least one of the transmitting side and the receiving side transmits a radio signal in a short distance from the transmitting side without pre-pairing between the transmitting side and the receiving side, or a radio signal is broadcast from a transmitting side to a short distance without specifying the receiving side. Payment method using wireless signal.
3. The method of claim 2,
The reception side processes the radio signal transmitted from the transmission side to the near side without pre-pairing between the transmission side and the reception side, or the reception side processes and receives the radio signal broadcasted without specifying the reception side on the transmission side Wherein the short-range wireless signal includes at least one of a short-range wireless signal and a short-range wireless signal.
2. The method according to claim 1,
And a step of processing the bit stream corresponding to the payment information in a local wireless signal of a specified signal standard and outputting the bit stream through a signal transmission / reception unit of the store terminal at a designated signal strength. Way.
6. The method according to claim 1 or 5,
Further comprising the step of processing the short-range wireless signal including the payment information to be outputted repeatedly a specified number of times or more with a designated signal intensity through a signal transmission / reception unit of the store terminal.
2. The method of claim 1,
Receiving unit of the store terminal to a near-field wireless unit of a user wireless terminal located within a distance of 1 m to 3 m from the signal transmitting and receiving unit of the store terminal in an electromagnetic interference state in which equipment provided in the store equipped with the store terminal operates in all basic operating conditions, And a signal strength that is set so as to reach a signal effectively but not reach a distance of at least 5 m or more from the store terminal.
The method as claimed in claim 1,
And reading the signal data from the application module of the user wireless terminal and recognizing the payment information included in the short range wireless signal.
9. The method of claim 8,
Further comprising the step of causing the application module of the user wireless terminal to output the amount information and the merchant information of the payment information.
The method as claimed in claim 1,
And processing the application module of the user wireless terminal to transmit the signal data to a recognition server having a designated signal recognition module.
11. The method as claimed in claim 10,
Receiving the signal data via a designated path;
Reading the signal data by the recognition server and recognizing the payment information included in the local wireless signal;
Transmitting, by the recognition server, the recognized payment information to the user wireless terminal;
Receiving the payment information recognized by the application module of the user wireless terminal from the signal data;
Further comprising the step of causing the application module of the user wireless terminal to output the amount information and the merchant information of the payment information.
The method as claimed in claim 1,
And processing the application module of the user wireless terminal to transmit the signal data on a designated path.
13. The method as claimed in claim 12,
The operating server receiving the signal data via a designated path;
The operating server reading the signal data and recognizing the payment information included in the local wireless signal;
Transmitting, by the operation server, the payment information to a designated route;
Receiving the payment information from an app module of the user wireless terminal; And
Further comprising the step of causing the application module of the user wireless terminal to output the amount information and the merchant information of the payment information.
The method according to claim 1,
Further comprising the step of, when the payment information is recognized, performing an authentication procedure designated by an app of the user wireless terminal for payment of settlement information.
15. The method of claim 14,
A PIN authentication procedure based on a PIN (Personal Identification Number) input,
And a biometric authentication procedure using a user's body.
The method according to claim 1, wherein the payment means of the user registered on the designated medium further comprises:
A payment means corresponding to the payment means information of the user registered in the media of the designated application server through the application of the user wireless terminal,
A payment means corresponding to the payment means information of the user registered in the medium of the operation server through the application of the user wireless terminal,
And payment means corresponding to the payment means identification information for identifying the payment means information of the user registered in the payment means server of the payment means issuer through the application of the user wireless terminal. Payment method using wireless signal.
The method according to claim 1,
The fifth step may further include transmitting payment request information for the wirelessly recognized payment information to the designated app server by the application of the user wireless terminal,
When the payment means information of the user is registered in the designated medium of the application server,
Receiving the payment request information from the user wireless terminal;
Confirming the payment means information of the user from the media designated by the app server; And
And transmitting, by the application server, payment processing information including the payment method information of the user and the payment information to the operation server,
And the sixth step comprises receiving the payment processing information from the application server by the operation server.
The method according to claim 1,
The fifth step may further include transmitting payment request information for the wirelessly recognized payment information to the designated app server by the application of the user wireless terminal,
When the payment means information of the user is registered on the designated medium of the operation server,
Receiving the payment request information from the user wireless terminal; And
And transmitting, by the application server, payment processing information corresponding to the payment request information to the operation server,
In the sixth step,
Receiving the payment processing information from the application server; And
And confirming the payment method information of the user from the designated medium by the operating server.
The method according to claim 1,
The fifth step may further include transmitting payment request information for the wirelessly recognized payment information to the operation server by the application module of the user wireless terminal,
When the payment means information of the user is registered on the designated medium of the operation server,
In the sixth step,
The operation server receiving the payment request information from the user wireless terminal; And
And confirming the payment method information of the user from the designated medium by the operating server.
The method as claimed in claim 1,
Further comprising the step of performing the settlement procedure and maintaining the unique code in connection with the settlement procedure.
21. The method of claim 20,
Confirming the result information of the settlement procedure by the operation server; And
And providing the result information to the store terminal corresponding to the unique code stored in the storage area associated with the settlement procedure when the result information of the settlement procedure is confirmed by the operation server, Payment method using signal.

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