KR20190127047A - Sound wave settlement system of non-contact type for inputting settlement money by purchaser terminal, and method for the same - Google Patents

Abstract

Provided are a noncontact soundwave payment system enabling a purchaser terminal to input a payment amount and a method thereof. Since a purchaser who is a main agent making payment is able to input a payment amount through a soundwave payment application (smartphone application) installed in a purchaser terminal, the purchaser can clearly take responsibility for an input error, so an input tool such as a keyboard or the like for inputting a payment amount into a seller terminal is not necessary. Also, the application can be used in smartphones from all manufacturers without a credit card terminal, a POS, a barcode scanner, a QR scanner, and the like, so payment and authentication can be processed simply in a near field, noncontact manner without the pre-activation of a specific function such as Bluetooth or NFC. Since the mobile communication of a soundwave payment service server is performed through the soundwave payment application which is a smartphone application installed in the purchaser terminal, there is no need for communication between the seller terminal and the soundwave payment service server during the soundwave payment procedure and, in this way, costs for the installation of communication equipment in the seller terminal and its communication can be reduced.

Description

Contactless sound wave payment system in which the purchaser terminal inputs payment amount and method thereof {SOUND WAVE SETTLEMENT SYSTEM OF NON-CONTACT TYPE FOR INPUTTING SETTLEMENT MONEY BY PURCHASER TERMINAL, AND METHOD FOR THE SAME}

The present invention relates to a non-contact sound wave payment, more specifically, a buyer terminal that processes payment (hereinafter referred to as "sound wave payment") and authentication using a sound wave in a near-contact method between the buyer terminal and the seller terminal It relates to a non-contact sound wave payment system and a method for inputting the payment amount.

In general, due to concerns about loss of cash, inconvenience in carrying, and complexity of calculation, modern people use financial cards rather than cash as payments for goods and services. For example, in case of payment using financial cards, merchants Payment is made through a POS system installed in the system.

1 is a view showing a payment process through a general POS system.

As shown in FIG. 1, a general POS system 10 includes a main body 11 and a card reader 12. When a buyer requests a payment to a financial card 20 from a card merchant that purchases a product, a POS system is provided. 10 reads information such as a card type, a card number, an expiration date, and the like through the card reader 12 and transmits the information to the VAN server 30.

The VAN server 30 inquires whether the card can be authorized by the financial server 40, such as the card company or bank based on the received information, and the financial server 40 inquires the card limit, whether the transaction is stopped, etc. Approve payment by card.

After that, the approval is transmitted to the POS system 10 through the VAN server 30 to output the card transaction specification according to the transaction approval, and the payment is completed by the purchaser's signature.

Due to this convenience, the use of cards has increased rapidly, and most modern people own and use a large number of cards.

Recently, however, there have been frequent incidents of hacking a POS system that can obtain a large amount of card information, or stealing financial card information by installing a device that pulls out card information in front of a card reader of a POS system.

Various mobile payment technologies have been proposed as a way to perform more convenient financial payments while solving the problems of the above-mentioned POS system. For example, RFID-based financial USIM or Near Field Communication (NFC) payments have been introduced. .

However, payment using RFID-based financial USIM is difficult to expand services due to the capacity limitation of financial USIM, and investment for infrastructure construction is insufficient. In addition, NFC technology is a technology standard that allows wireless devices of a specific frequency to communicate with each other. Since NFC technology is a two-way wireless communication technology capable of not only reading but also writing, it has been applied to various payment fields such as electronic wallets and transportation cards. In order to apply the payment technology, there is a problem that each affiliated store has additional hardware for a separate mobile payment in a communication terminal, and thus, a large investment is required.

In addition, an electronic payment technology for performing payments by displaying a barcode or QR code that replaces card information in a smartphone, etc. has been proposed, and when the barcode or QR code for electronic payment is leaked to a third party, serious economic damage Since it is possible to generate a more convenient and secured payment method that can enhance security.

On the other hand, with the recent increase in the spread of smart phones, various payment methods using smart phones have been introduced. Among smartphones in Korea, Android-based smartphones are equipped with a module capable of recognizing NFC (Near Field communication), and are being used as a mobile transportation card or micro payment means using NFC.

2 is a view illustrating a contactless payment process using a mobile phone according to the prior art.

As shown in Figure 2, the contactless payment process using a mobile phone according to the prior art, in order to perform a payment using NFC, when the purchaser terminal 50 is a smartphone with a smart phone app for payment, When the payment request is made to the seller terminal 60 in a non-contact manner, the seller terminal 60 requests a payment process from the payment server 70 through wireless communication. Thereafter, the payment server 70 processes the payment, and transmits the payment processing result to the seller terminal 60. At this time, the seller terminal 60 transmits the payment processing result to the purchaser terminal 50, thereby making payment. Can be completed. In addition, the payment server 70 may transmit payment processing and results to the purchaser terminal 50.

In order to perform payment using NFC as described above, the smartphone 500 used by the buyer should have an NFC function, and the seller terminal 60 should have a reader capable of reading NFC tags or writing information to NFC. For example, when the reader terminal 60 is attached to the reader that can read the information on the NFC tag, the buyer by contacting the NFC tag of the smartphone terminal 50 is attached to the NFC reader of the seller terminal 60 You can purchase a product by making a payment.

However, not all smartphones 50 used by the purchaser have an NFC function, and there is a problem that the payment method using NFC is not activated because the price of the reader for reading information from the NFC tag is high. Therefore, in order to solve the above-mentioned problems, a payment method capable of increasing the diffusion rate without requiring a large amount of cost is required.

According to the prior art, as described above, as technologies that can be easily paid using mobile in offline stores, etc., MST (Magnetic Secure Transmission), NFC, barcodes, QR codes, etc. using the magnetic of a credit card are used. The technologies require a credit card terminal or a POS, a scanner, or the like, or can only be used in certain manufacturer terminals. In addition, in order to use the functions of the smart phone, the user has to activate a specific function or the like, or have to take an image or scan an inconvenience.

Meanwhile, a technology for processing payment using sound waves has been disclosed to solve the inconvenience of manually inputting payment information or using a separate communication device or mode. Sound wave payment can be used through the mobile terminal of.

As a related art, Korean Patent No. 10-1707614 discloses a method of providing a mobile payment service using a sound wave signal and a mobile payment system for implementing the same, which are illustrated in FIGS. 3 and 4. It demonstrates with reference.

3 is a block diagram of a mobile payment system using a sound wave signal according to the prior art.

Referring to FIG. 3, a mobile payment system using a sound wave signal according to the related art includes a mobile terminal 81, a merchant terminal 82, a payment server 83, an authentication server 84, and a payment sound source server 85. It includes.

The mobile terminal 81 is a mobile communication terminal owned by a purchaser who wants to purchase a product or a service, and basically includes a microphone for receiving a sound wave signal and a component for extracting information coupled to the sound wave signal. Phones, tablets and the like can be applied. Preferably, the mobile terminal 81 may be equipped with a sound source payment application (app) for extracting information from the sound wave signal and performing a payment process based on the information.

The affiliated store terminal 82 is a communication device that requests payment approval for a transaction of a product or service, and various devices including basic communication means and sound wave output means may be applied. For example, an application for performing a sound wave payment process may be additionally installed in a POS terminal generally distributed to a merchant, or a sound wave payment process may be performed on a smartphone, a tablet, a notebook, or a PC owned by a member of a merchant. An application that can be executed may be mounted. The merchant terminal 82 to which various types of communication terminals can be applied outputs a payment sound wave signal for payment of a product, and the mobile terminal 81 of the buyer outputs the payment sound wave signal output from the merchant terminal 82. Recognition will be performed to the buyer verification process.

The payment server 83 is a payment service server that acts on behalf of a transaction with a financial institution such as a card company or a bank on the Internet, and may apply a VAN server or a payment server on an existing card payment system or an electronic payment system as it is.

The authentication server 84 is a device that performs payment authentication for the buyer at the time of payment for goods or services provided to the buyer. The authentication server 84 performs transaction authentication of the buyer according to the transaction authentication request for the buyer from the payment server 83. To this end, the authentication server 84 may hold authentication information for payment authentication for the buyer's transaction. In addition, the authentication server 84 may generate a payment code corresponding to the transaction information of the payment server 83 in accordance with the payment approval request from the payment server 83, the payment code from the mobile terminal 81 of the buyer When requesting the transaction information corresponding to the corresponding transaction information may be provided.

The payment sound source server 85 is a device for providing a payment sound wave signal combining payment request information with a sound wave signal, wherein the payment request information is payment corresponding to transaction information provided by the payment server 83 to the purchaser terminal 81. It can also be code. In addition, the payment sound source server 85 may generate a payment sound wave signal by holding various sound wave signals and selectively applying a sound wave signal suitable for the payment code.

Accordingly, the mobile payment system using a sound wave signal according to the prior art, generates and outputs a payment sound wave signal combined with a transaction code corresponding to the transaction information when the transaction of goods or services, and recognized by the mobile terminal owned by the buyer By extracting the transaction code coupled to the payment sound wave signal, the mobile payment can be performed by the purchaser's authentication of the transaction information corresponding to the transaction code.

4 is a flowchart illustrating a method of providing a mobile payment service using a sound wave signal according to the related art.

Referring to FIG. 4, in the method of providing a mobile payment service using a sound wave signal according to the related art, first, as a buyer requests a product purchase, the affiliated store terminal 82 corresponds to a purchaser's product purchase to make a transaction for payment. Generates information (S11) and requests payment approval for the transaction information to payment server 83 (S12). At this time, the affiliated store terminal 82 may transmit transaction information corresponding to the buyer to the payment server 83 together with the payment approval request. Accordingly, when the payment server 83 receives a payment approval request from the affiliated store terminal 82, the payment server 83 performs a payment approval process for the corresponding transaction information. In this case, the payment method using the existing financial card or It replaces the electronic payment method and performs the mobile payment process using the sound wave signal.

Next, the payment server 83 confirms the transaction information requested for payment approval from the affiliated store terminal 82 (S13). Here, the transaction information may include the contents of the goods or services requested by the purchaser, cost information thereof, and the like, and the payment server 83 may temporarily store transaction information transmitted from the affiliated store terminal 82.

Next, the payment server 83 generates a payment code corresponding to the transaction information requested for payment approval (S14), and then combines the payment code with the sound wave signal to generate a payment sound wave signal (S15). In this case, the payment code may be an identification code for a location where transaction information is temporarily stored on the payment server 83. In addition, as a sound wave signal, all frequency bands that can be transmitted by combining data can be applied. Preferably, it is preferable to apply a signal of an inaudible frequency band so that the sound wave signal does not feel or be uncomfortable to people. In some cases, melody or music may be applied as a sound wave signal.

Next, the payment server 83 provides the generated payment sound wave signal to the affiliated store terminal 82 requesting the payment approval (S16), and the affiliated store terminal 82 transmits the sound wave signal through the provided sound wave output means such as a speaker. Outputs (S17). Accordingly, the payment sound wave signal output from the affiliated store terminal 82 is received through the mobile terminal 81 held by the purchaser who has requested a purchase for the corresponding product or service.

Next, the sound source payment application mounted on the mobile terminal 81 of the buyer recognizes the payment sound wave signal output from the merchant terminal 82, and extracts the payment code coupled to the payment sound wave signal (S18), The payment code is transmitted to the payment server 83 to request transaction information corresponding to the payment code (S19).

Next, the payment server 83 checks the payment code transmitted from the buyer's mobile terminal 81, extracts the transaction information stored in correspondence with the payment code (S20), and extracts the extracted transaction information from the buyer's mobile terminal ( 81) (S21). At this time, the purchaser's mobile terminal 81 may request an identity verification for payment of the transaction information.

Next, the buyer checks whether the transaction information provided from the payment server 83 through his mobile terminal 81 is the product or service he requested to purchase (S22), and then pays according to the buyer's identification result. Generate an authentication token for and transmits it to the payment server (83) (S23). In this case, the authentication token may include an electronic signature, such as a private key or pin number held in the mobile terminal 81 of the buyer after confirming the transaction information, or a certificate of the buyer.

Next, when the payment server 83 receives the authentication token according to the identification of the transaction contents from the mobile terminal 81 of the buyer, the payment server 83 checks the authentication token based on the identification information and the like held in response to the buyer (S24). ), And then, according to the result of the transaction corresponding to the buyer approves the payment (S25).

Next, when the transaction approval for the buyer is completed according to the transaction content corresponding to the purchase request of the goods or services through the above process, the payment server 83 charges the buyer according to the transaction content, and It provides the payment information according to the merchant terminal 82 (S26). Accordingly, according to the payment information provided to the merchant terminal 82, the corresponding product or service is provided to the buyer.

Therefore, according to the mobile payment service system and a method of providing the same using a sound wave signal according to the prior art, a buyer by performing a payment by recognizing a sound wave signal through a mobile terminal without using a financial card, such as a financial card or a barcode or QR code Can prevent accidental hacking or leakage of important financial information. In particular, it is not necessary to provide a separate hardware to build a mobile payment system, it can be applied to the existing payment system system, and also, it is possible to apply a variety of communication terminals generally spread, the overall system construction cost This is inexpensive and can provide mobile payment service anytime and anywhere without any time and space constraints.

However, in the case of a mobile payment service system and a method of providing the same using a sound wave signal according to the related art, the affiliated store terminal 82 should perform wireless communication with the payment server 83, and the mobile terminal 82 may use an authentication server ( 84), and since the merchant terminal 82 generates a payment sound wave signal by inputting a payment amount, etc., a communication cost occurs in the merchant terminal 82, and the payment process is complicated. There is this.

Republic of Korea Patent No. 10-1792974 (application date: April 24, 2017), the title of the invention: "Mobile payment system for mapping the identification information using the sound waves and the buyer's dynamic code" Republic of Korea Patent No. 10-1740402 (Application Date: January 29, 2016), the title of the invention: "Method of driving a mobile application using a sound signal and a mobile application driving system for implementing the same" Republic of Korea Patent No. 10-1707614 (Application Date: September 4, 2015), the title of the invention: "Method of providing a mobile payment service using a sound signal and a mobile payment system for implementing the same" Republic of Korea Patent Publication No. 2018-13136 (published: February 7, 2018), the title of the invention: "Sound wave-based payment system and method using a smartphone" Republic of Korea Patent Application Publication No. 2017-128163 (published: November 22, 2017), the title of the invention: "Payment processing method and apparatus using sound waves" Republic of Korea Patent Publication No. 2017-110532 (published: October 11, 2017), the title of the invention: "electronic stamp device and its operation method" Republic of Korea Patent Publication No. 2016-150418 (published: December 30, 2016), the title of the invention: "Payment method and system using ultrasonic waves" Republic of Korea Patent Publication No. 2016-65260 (published: June 9, 2016), the title of the invention: "Mobile payment system and method using ultrasonic waves" Republic of Korea Patent Publication No. 2016-39590 (published: April 11, 2016), the title of the invention: "Payment code delivery method and system using sound wave data communication"

The technical problem to be solved by the present invention for solving the above problems is a non-contact sound wave payment system for inputting the payment amount of the purchaser terminal each equipped with a sound wave generation module for payment between the purchaser terminal and the seller terminal, payment of the payment amount Contactless sound wave payment in which the buyer terminal enters the payment amount, which enables the buyer to clarify the responsibility for the input error as the buyer by entering the payment amount through the buyer's sonic payment app (smartphone app) installed on the buyer's terminal. It is to provide a system and a method thereof.

Another technical problem to be achieved by the present invention is that the mobile communication of the sound wave payment service server is made through the sound wave payment app, which is a smartphone app installed on the purchaser terminal, so that communication between the seller terminal and the sound wave payment service server is not required during the sound wave payment process. In order to provide a contactless sound wave payment system and a method for inputting a payment amount by a purchaser terminal.

Another technical problem to be achieved by the present invention, without a credit card terminal, POS, barcode scanner, QR scanner, etc. can be used in smartphones of all manufacturers, such as Bluetooth or NFC without contacting a specific function setting in advance without near-contact The present invention provides a contactless sound wave payment system and a method for allowing a purchaser terminal to input a payment amount, which can simply process payment and authentication.

As a means for achieving the above-described technical problem, the contactless sound wave payment system in which the purchaser terminal according to the present invention inputs the payment amount, the purchaser terminal each equipped with a sound wave generation module for payment between the purchaser terminal and the seller terminal In the non-contact sound wave payment system for inputting the sound wave generation module, the buyer's sound wave payment app for the buyer directly enters the payment amount for payment of the purchase product is installed to generate sound wave payment information including the payment amount Buyer terminal to transmit by sound waves; A seller terminal equipped with a sound wave generation module and having a sound wave payment program for a seller installed therein, and receiving sound wave payment information from the buyer terminal, generating seller information including seller information and transmitting the sound wave to the buyer terminal; And a sound wave payment service server connected to the buyer terminal and a mobile communication network to process the sound wave payment requested from the buyer terminal and to transmit the sound wave payment result to the buyer terminal, wherein the buyer terminal and the seller terminal are respectively The payment is performed through sound waves, and the buyer terminal requests sound wave payment to the sound wave payment service server through a mobile communication network to perform sound wave payment without a communication between the seller terminal and the sound wave payment service server during the sound wave payment process. It is done.

Here, the buyer terminal may generate sound wave payment information including the payment amount and the buyer information as sound waves and transmit the sound wave payment information to the seller terminal in a short distance in the sound audible region.

Here, the purchaser terminal may transmit a payment amount, buyer information, and seller information when a sound wave payment request is made to the sound wave payment service server through a mobile communication network.

Here, the buyer terminal, the sound wave generation module for generating the buyer information including the payment amount to the sound wave to the seller terminal; A microphone for receiving seller information including seller information generated from the sound wave generation module of the seller terminal; A controller configured to control generation and transmission of the buyer information, reception of the seller information, and the sound wave payment request; And a display for directly inputting the payment amount and displaying a sound wave payment process and a result.

Here, the purchaser terminal may further include a communication module for requesting sound wave payment to the sound wave payment service server through a mobile communication network and receiving a sound wave payment result processed from the sound wave payment service server.

Here, the seller terminal, the microphone for receiving sound wave payment information including the payment amount generated from the sound wave generation module of the buyer terminal; A control unit controlling reception of the buyer information and generation and transmission of the seller information; A display showing the sonic payment process and results; And a sound wave generation module for generating seller information including the seller information as sound waves and transmitting the sound wave to the purchaser terminal.

Here, the sound wave payment service server, a sound wave payment information receiving unit for receiving a sound wave payment request from the purchaser terminal through a mobile communication network; A sonic payment processing unit for processing the sonic payment according to the payment amount, the buyer information and the seller information transmitted for the sonic payment request of the buyer terminal; A buyer DB for storing buyer information transmitted when a sound wave payment request is made by the buyer terminal; A seller DB for storing seller information transmitted when a sound wave payment request is made by the buyer terminal; A sound wave payment result confirming unit for transmitting the sound wave payment result processed by the sound wave payment processing unit to the purchaser terminal together with a payment amount, buyer information, seller information, and time information; And a payment amount settlement DB for calculating a payment amount according to the sound wave payment result processed by the sound wave payment processing unit.

On the other hand, as another means for achieving the above-described technical problem, the contactless sound wave payment method in which the purchaser terminal according to the present invention inputs the payment amount, the contactless sound wave each equipped with a sound wave generation module for payment between the purchaser terminal and the seller terminal A payment method comprising: a) inputting a payment amount of a product to be purchased by driving a sound wave payment app for a buyer installed in a buyer terminal; b) generating buyer information including buyer information through a sound wave generation module mounted in the buyer terminal for sound wave payment, and transmitting the buyer information to the seller terminal as sound waves; c) the seller terminal generating seller information including seller information in response to the buyer information received from the buyer terminal through the sound wave generation module mounted in the seller terminal and transmitting the sound wave to the buyer terminal; d) requesting, by the purchaser terminal, sound wave payment to a sound wave payment service server through a mobile communication network; e) the sound wave payment service server processing the sound wave payment requested from the buyer terminal, and then transmitting the sound wave payment processing result to the buyer terminal; f) generating, by the purchaser terminal, a sound wave corresponding to a sound wave payment result received from the sound wave payment service server, and delivering the sound wave to the seller terminal; g) displaying and confirming a sound wave payment result through the sound wave payment program for the seller by the seller terminal; And h) displaying, by the buyer terminal, a sound wave payment result through the sound wave payment app for the buyer, wherein the buyer terminal and the seller terminal respectively perform payment through sound waves, and the seller terminal during the sound wave payment process. The buyer's terminal performs a sound wave payment by requesting a sound wave payment to the sound wave payment service server through a mobile communication network without communication between the sound wave payment service server and the sound wave payment service server.

According to the present invention, the purchaser of the payment amount of the payment amount can be clearly identified as the buyer responsible for the input error by inputting the payment amount through the buyer's sonic payment app (smartphone app) installed in the buyer's terminal, accordingly In addition, an input tool, for example, a keyboard, etc. according to the amount of money input to the seller terminal is not required, which is particularly advantageous for simplifying and convenience of the seller terminal such as a traditional market.

According to the present invention, when the existing POS or the like is installed, it is possible to eliminate the inconvenience of recording the amount of money in the POS and the seller terminal, and also, the buyer pays immediately without the buyer waiting until the seller enters the payment amount can do.

According to the present invention, it can be used in smartphones of all manufacturers without a credit card terminal, POS, barcode scanner, QR scanner, etc., and payment and authentication in a near-contact manner without a specific function setting like Bluetooth or NFC in advance. Can be processed.

According to the present invention, after generating the first sound wave payment information in the buyer terminal, the seller terminal receives this, the seller terminal may generate sound waves again, and the seller terminal does not always generate sound waves, which consumes power. It can be minimized.

According to the present invention, as the mobile communication of the sound wave payment service server is made through the sound wave payment app, which is a smartphone app installed on the purchaser terminal, communication between the seller terminal and the sound wave payment service server is not necessary during the sound wave payment process, and thus sound wave payment It is possible to reduce the number of communication of the service server, thereby reducing the cost associated with the communication device installation and communication of the seller terminal.

1 is a view showing a payment process through a general POS system.
2 is a view illustrating a contactless payment process using a mobile phone according to the prior art.
3 is a block diagram of a mobile payment system using a sound wave signal according to the prior art.
4 is a flowchart illustrating a method of providing a mobile payment service using a sound wave signal according to the related art.
5 is a schematic configuration diagram of a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.
6 is a detailed configuration diagram of a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.
7 is a detailed configuration diagram of a buyer terminal in which a sound wave generation module and a sound wave payment app for a buyer terminal are installed in a contactless sound wave payment system in which a buyer terminal inputs a payment amount according to an embodiment of the present invention.
8 is a detailed configuration diagram of a sound wave payment service server in a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.
9 is a diagram illustrating a sound wave payment app implemented on a buyer terminal in a contactless sound wave payment system in which a buyer terminal according to an embodiment of the present invention inputs a payment amount.
10 is a diagram illustrating a seller terminal in a contactless sound wave payment system in which a buyer terminal according to an embodiment of the present invention inputs a payment amount.
11 is a flowchart illustrating a non-contact sound wave payment method in which a purchaser terminal inputs a payment amount according to an exemplary embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, terms such as "... unit" described in the specification means a unit for processing at least one function or operation, which may be implemented in hardware or software or a combination of hardware and software.

[Contactless Acoustic Wave Payment System where the Buyer's Terminal Enters the Payment Amount]

5 is a schematic configuration diagram of a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.

Referring to FIG. 5, the contactless sound wave payment system in which the buyer terminal according to an embodiment of the present invention inputs a payment amount includes a buyer terminal 100, a seller terminal 200, and a sound wave payment service server 300.

The purchaser terminal 100 is a user terminal equipped with a sound wave generation module, preferably implemented as a smart phone, and a buyer's sound wave payment app is installed for the purchaser to directly enter a payment amount for payment of a purchase product. Generates sound wave payment information comprising a and transmits as sound waves. In this case, the purchaser terminal 100 generates sound waves in a non-contact manner at a short distance within the sound wave audible region, and generates sound waves between the purchaser terminal 100 and the seller terminal 200 to perform sound wave payment.

The seller terminal 200 is a payment terminal equipped with a sound wave generation module. After receiving sound wave payment information from the buyer terminal 100, the seller terminal 200 generates seller information including seller information and transmits the sound wave to the buyer terminal 100. send.

The sound wave payment service server 300 is connected to the purchaser terminal 100 through a mobile communication network, processes the sound wave payment requested from the buyer terminal 100 through a mobile communication network, and the sound wave payment result is the buyer terminal 100. Send to.

For example, the sound wave payment service server 300 may transmit the processed sound wave payment result to the purchaser terminal 100 together with a payment amount, buyer information, seller information, and time information.

In particular, the mobile communication of the sound wave payment service server 300 is made through the sound wave payment app, which is a smartphone app installed in the purchaser terminal 100, the sound wave payment service server and the seller terminal 200 during the sound wave payment process. Communication between the 300 is not necessary, thereby reducing the number of times of communication of the sound wave payment service server 300, thereby reducing the cost of installing and communicating with the communicator of the seller terminal 200.

On the other hand, Figure 6 is a specific configuration of a non-contact sound wave payment system in which the buyer terminal according to an embodiment of the present invention inputs the payment amount.

Referring to FIG. 6, in the non-contact sound wave payment system in which the purchaser terminal inputs a payment amount according to an embodiment of the present invention, the purchaser terminal each equipped with a sound wave generation module for payment between the purchaser terminal and the seller terminal inputs the payment amount. As a non-contact sound wave payment system, the buyer terminal 100, the seller terminal 200 and the sound wave payment service server 300, wherein the buyer terminal 100 is a sound wave generation module 130, the microphone 101 , The control unit 119, a display 123, and a communication module. The seller terminal 200 may further include a microphone 210, a control unit 220, a display 230, and a sound wave generation module 240. It may include.

The purchaser terminal 100 is equipped with a sound wave generation module 140, and the sonic payment app 140 for the buyer to directly enter the payment amount for payment of the purchase product is installed sonic payment information including the payment amount Create and transmit it as sound waves.

In this case, the purchaser terminal 100 generates sound wave payment information including payment amount, time, and purchaser information as sound waves, and transmits the sound wave payment information to the seller terminal 200 in a non-contact manner at a short range within the sound wave audible region.

In addition, the purchaser terminal 100 transmits a payment amount, buyer information, and seller information when a sound wave payment request is made to the sound wave payment service server 300 through a mobile communication network.

Specifically, the sound wave generation module 130 of the buyer terminal 100 generates the buyer information including the payment amount to the sound wave to transmit to the seller terminal 200, and also, the microphone of the buyer terminal (100) 101 receives seller information including seller information generated from the sound wave generation module 240 of the seller terminal 200.

The controller 119 of the buyer terminal 100 controls the generation and transmission of the buyer information, the reception of the seller information, and the sound wave payment request, and the display 123 of the buyer terminal 100 controls the payment amount. Directly enters the sonic payment app 140 for buyers to display the sonic payment process and results.

The communication module of the purchaser terminal 100 requests sound wave payment from the sound wave payment service server 300 through a mobile communication network, and receives a sound wave payment result processed from the sound wave payment service server 300.

Referring back to Figure 6, the seller terminal 200 is equipped with a sound wave generation module 240, the seller sound wave payment program 250 is installed, after receiving the sound wave payment information from the buyer terminal 100, The seller information including the seller information is generated and transmitted to the buyer terminal 100 in sound waves.

Specifically, the microphone 210 of the seller terminal 200 receives sound wave payment information including the payment amount generated from the sound wave generation module 130 of the buyer terminal 100, and further, the seller terminal 200 Sound wave generation module 240 of the) generates the seller information including the seller information as a sound wave and transmits to the buyer terminal (100).

The controller 220 of the seller terminal 200 controls the reception of the buyer information and the generation and transmission of the seller information, and the display 230 of the seller terminal 200 displays a sound wave payment process and a result. do.

Referring back to FIG. 6, the sound wave payment service server 300 is connected to the purchaser terminal 100 through a mobile communication network, processes the sound wave payment requested from the buyer terminal 100, and outputs the sound wave payment result to the buyer terminal. Send to 100.

Accordingly, the purchaser terminal 100 and the seller terminal 200 each perform payment through sound waves, and the buyer without communication between the seller terminal 200 and the sound wave payment service server 300 during a sound wave payment process. The terminal 100 requests sound wave payment to the sound wave payment service server 300 through a mobile communication network to perform sound wave payment.

On the other hand, Figure 7 is a specific configuration diagram of a buyer terminal in which a sound wave generation module and a sound wave payment app for the buyer terminal is installed in the contactless sound wave payment system in which the buyer terminal according to an embodiment of the present invention, the purchaser terminal 100 ) Is a diagram illustrating a case of a smartphone which is a mobile communication terminal.

Referring to FIG. 7, the purchaser terminal 100 of the contactless sound wave payment system in which the purchaser terminal inputs a payment amount according to an embodiment of the present invention, the purchaser terminal 100 is an antenna for data transmission and reception, and is transmitted from the antenna. A low noise amplifier comprising a low noise amplifier for amplifying an on frequency signal and the like, and a demodulator 113 for demodulating an original code signal from a frequency signal inputted through the low noise amplifier.

In addition, when the purchaser terminal 100 is a mobile communication terminal, the baseband processing unit 109 for processing the baseband according to a predetermined communication standard for the data transmitted and received through the demodulator 113 and the modulator 111, The apparatus may further include a data processor 107 for processing control data transmitted and received with the base station according to a predetermined standard.

At this time, the purchaser terminal 100 from the speaker 103 for outputting the voice signal from the counterpart terminal as an audible voice and the microphone 101 for converting and inputting the voice input of the receiver as an electrical voice signal, from the microphone 101. An audio processing unit 105 for converting an input analog audio signal into digital data and converting the audio data applied through the baseband processing unit 109 into an analog audio signal and outputting the analog audio signal to the speaker 103. ) May be further included.

In addition, the purchaser terminal 100 amplifies the modulator 111 for modulating the transmission data output through the baseband processing unit 109 into a predetermined frequency signal and the amplified frequency signal modulated by the modulator 111. It may further include a portion (not shown).

In addition, the purchaser terminal 100 is an example for displaying various operation states or operation states of the operation unit 117, which may be a key input unit having a plurality of numeric keys and function keys, a keypad or a touch pad, and the purchaser terminal 100. For example, an operation of controlling the use state of the purchaser terminal 100 through transmission and reception with a display 123 such as a liquid crystal display device, an OLED, and the like through the data processing unit 107, and through the operation unit 117. A control unit 119 for controlling the terminal according to the input operation signal, a program memory 125 in which the operation program of the control unit is stored, and a data memory 127 in which various processing data related to the operation of the control unit are stored. It may include. At this time, the data memory 127 according to an embodiment of the present invention may store a sound wave payment app 140 for a purchaser terminal, which is a smartphone app.

In addition, the purchaser terminal 100 further includes an analog-to-digital converter 121 for digitally converting the demodulated data output from the demodulator 113 and outputting data corresponding to the size of the received data to the controller. This is provided for the base station selection or the hand over function of the purchaser terminal 100.

In this case, when the operation unit 117 is a touch pad, for example, the payment amount may be input in the buyer's sound wave payment app 140 displayed on the display 123.

The control unit 119 stores the caller's phone number, which is generally received, controls the execution of reconnection according to the needs of the receiver, and also the sound wave payment app 140 for the buyer terminal is displayed on the display 123, and the payment amount is input. And control the generation of sound waves by the sound wave generation module 130. The program memory 125 stores a program for implementing a function performed by the controller 119.

8 is a detailed configuration diagram of a sound wave payment service server in a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.

Referring to FIG. 8, in the non-contact sound wave payment system in which the purchaser terminal inputs a payment amount, the sound wave payment service server 300 includes a sound wave payment information receiver 310, a sound wave payment processor 320, and a buyer. The DB 330 may include, but not limited to, a seller DB 350, a sound wave payment result checker 340, and a payment amount settlement DB 360.

The sound wave payment information receiver 310 receives a sound wave payment request from the purchaser terminal 100 through a mobile communication network.

The sound wave payment processing unit 320 processes the sound wave payment according to the payment amount, the buyer information, and the seller information transmitted for the sound wave payment request of the buyer terminal 100.

The buyer DB 330 stores the buyer information transmitted when the buyer terminal 100 requests the sound wave payment, and the seller DB 350 stores the seller information transmitted when the buyer terminal 100 requests the sound wave payment.

The sound wave payment result checking unit 340 transmits the sound wave payment result processed by the sound wave payment processing unit 320 to the purchaser terminal 100.

The payment amount is calculated according to the sound wave payment result processed by the sound wave payment processing unit 320.

On the other hand, Figure 9 is a diagram illustrating a sound wave payment app implemented on a buyer terminal in a contactless sound wave payment system in which the buyer terminal according to an embodiment of the present invention inputs the payment amount.

As shown in FIG. 9, in the contactless sound wave payment system in which the buyer terminal according to an embodiment of the present invention inputs a payment amount, the sound wave payment app 140 implemented on the buyer terminal is a smart phone which is the buyer terminal 100. Installed in the user terminal to be implemented, for example, a gift card by Onnuri gift certificate is displayed on the app screen of the user terminal (smartphone), the user inputs the payment amount. That is, as shown in the figure, when the payment amount of 33,000 is entered, the balance of 167,000 is displayed after the sonic payment is completed on the gift card of 200,000 won.

On the other hand, Figure 10 is a diagram illustrating a seller terminal in the contactless sound wave payment system in which the buyer terminal according to an embodiment of the present invention inputs the payment amount, a) of Figure 10 shows the form of the seller terminal 200, B) of 10 indicates completion of sound wave payment.

As shown in FIG. 10, in the contactless sound wave payment system in which the purchaser terminal inputs a payment amount according to an embodiment of the present invention, the seller terminal 200 is a payment terminal, and there is no communication configuration such as Wi-Fi and NFC. An input means such as a keyboard is also not necessary because this is because the user inputs a payment amount in the smartphone, which is the purchaser terminal 100, and also, although not shown, payment cancellation or payment amount correction display is possible on the seller terminal 200. .

Accordingly, in the case of the seller terminal 200, communication costs, POS costs, etc. are not required at all, and the seller terminal 200 can be easily stored in a store by charging the seller terminal 200.

As shown in b) of FIG. 10, when the smartphone, which is the purchaser terminal 100, approaches the service audible region, sound wave payment may be completed while transmitting and receiving sound wave payment information between the purchaser terminal 100 and the seller terminal 200. .

After all, according to the non-contact sound wave payment system and the method that the buyer terminal according to an embodiment of the present invention inputs the payment amount, it can be used in smartphones of all manufacturers without a credit card terminal, POS, barcode scanner, QR scanner, etc. For example, you can easily handle payments and authentication in near-contact without the need to activate certain feature settings like Bluetooth or NFC.

In addition, even without a credit card terminal, POS, barcode scanner, QR scanner, etc. in the seller terminal 200, the buyer is only a buyer of the buyer terminal 100 without activation of Bluetooth, NFC, etc. in the smartphone that is their buyer terminal 100 After executing the sound wave payment app (smartphone app), by close proximity to the seller terminal 200 in the near-contact method can simply process the sound wave payment.

The buyer may authenticate the payment result through the buyer's sound wave payment app (smartphone app) installed in the buyer terminal 100, the seller may simply authenticate the payment result through the display of the seller terminal 200. .

In addition, the purchaser of the payment amount of the payment amount can be clearly identified as the buyer responsible for the input error by entering the payment amount through the buyer's sound wave payment app (smartphone app) installed in the buyer terminal 100, The seller terminal 200 does not require an input tool for inputting an amount, for example, a keyboard.

In addition, when an existing POS or the like is installed, the inconvenience of recording an amount of money in the POS and the seller terminal 200 can be eliminated, and the payment is made immediately without the buyer waiting for the seller to input the payment amount. can do.

The purchaser terminal 100 generates the first sound wave payment information, and after receiving the seller terminal 200, the seller terminal 200 may generate sound waves again, that is, the seller terminal 200 is sound wave Does not always need to occur, minimizing power consumption.

In addition, the mobile communication of the sound wave payment service server 300 is made through the sound wave payment app 140, which is a smartphone app installed in the purchaser terminal 100, the sound wave payment service with the seller terminal 200 during the sound wave payment process. There is no need for communication between the servers 300, thereby reducing the number of communication of the sound wave payment service server 300, thereby reducing the costs associated with the installation and communication of the communicator of the seller terminal 200.

[Contact method for sound wave payment where the purchaser terminal inputs the payment amount]

11 is a flowchart illustrating a non-contact sound wave payment method in which a purchaser terminal inputs a payment amount according to an exemplary embodiment of the present invention.

As shown in FIG. 11, the contactless sound wave payment method in which the purchaser terminal inputs a payment amount according to an embodiment of the present invention includes a sound wave generation module for payment between the purchaser terminal 100 and the seller terminal 200, respectively. As a non-contact sound wave payment method, first, the buyer terminal 100 drives the buyer's sound wave payment app 140 installed in the buyer terminal 100 to input the payment amount of the product to be purchased (S101).

Next, through the sound wave generation module 130 mounted on the buyer terminal 100 for the sound wave payment to generate the buyer information including the buyer information (S102), and transmits the sound wave to the seller terminal 200 (S103). ). In this case, the purchaser terminal 100 generates sound wave payment information including buyer information as sound waves and transmits the sound wave payment information to the seller terminal 200 in a non-contact manner at a short distance within the sound wave audible region.

Next, the seller terminal 200 generates seller information including seller information in response to buyer information received from the buyer terminal 100 through the sound wave generation module 240 mounted in the seller terminal 200. By transmitting the sound wave to the purchaser terminal 100 (S104).

Next, the purchaser terminal 100 requests sound wave payment to the sound wave payment service server 130 through the mobile communication network (S105). In this case, the purchaser terminal 100 transmits a payment amount, buyer information, and seller information when a sound wave payment request is made to the sound wave payment service server 300 through a mobile communication network.

Next, after the sound wave payment service server 130 processes the sound wave payment requested from the buyer terminal 100 (S106), the sound wave payment processing result along with the payment amount, buyer information, seller information, and time information. The purchaser transmits to the terminal 100 (S107).

Next, the purchaser terminal 100 generates a sound wave corresponding to the sound wave payment result received from the sound wave payment service server 130 and displays the sound wave payment processing result along with the payment amount, buyer information, seller information, and time information. Transfer to the seller terminal 200 (S108).

Next, the seller terminal 200 displays the sound wave payment results through the seller sound wave payment program 250 (S109).

Next, the buyer terminal 100 displays the sound wave payment results through the buyer sound wave payment app 140 (S110).

Accordingly, the purchaser terminal 100 and the seller terminal 200 each perform payment through sound waves, and the buyer without communication between the seller terminal 200 and the sound wave payment service server 300 during a sound wave payment process. The terminal 100 may perform sound wave payment by requesting sound wave payment from the sound wave payment service server 300 through a mobile communication network.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

100: buyer terminal (user terminal)
200: seller terminal (payment terminal)
300: sound wave payment service server
130: sound wave generation module
140: sound payment app for the buyer terminal
101: microphone
119: control unit
123: display
210: microphone
220: control unit
230: display
240: sound wave generation module
250: sound wave payment program for seller terminals
310: sound wave payment information receiving unit
320: sound wave payment processing unit
330: Buyer DB
340: sound wave payment result confirmation unit
350: merchant DB
360: Settlement amount DB

Claims (10)

In the non-contact sound wave payment system in which the purchaser terminal each equipped with a sound wave generation module for payment between the purchaser terminal and the seller terminal inputs the payment amount,
Equipped with a sound wave generation module 140, the buyer's sound wave payment app 140 is installed for the buyer to directly enter the payment amount for the payment of the purchases to generate sound wave payment information including the payment amount to transmit the sound wave Buyer terminal 100;
Equipped with a sound wave generation module 240, the seller sound wave payment program 250 is installed, after receiving the sound wave payment information from the purchaser terminal 100, generates the seller information including the seller information to the buyer terminal Seller terminal 200 for transmitting to the sound wave 100; And
Is connected to the purchaser terminal 100 and a mobile communication network, the sound wave payment service server 300 for processing the sound wave payment requested from the buyer terminal 100, and transmits the sound wave payment results to the buyer terminal 100; But
The purchaser terminal 100 and the seller terminal 200 each perform payment through sound waves, and the buyer terminal 100 without communication between the seller terminal 200 and the sound wave payment service server 300 during a sound wave payment process. The purchaser terminal inputs a payment amount, the contactless sound wave payment system, characterized in that for performing the sound wave payment request to the sound wave payment service server 300 through the mobile communication network. The method of claim 1,
The purchaser terminal 100 generates sound wave payment information including a payment amount and purchaser information as sound waves and transmits the sound wave payment information to the seller terminal 200 in a non-contact manner at a short distance within the sound wave audible region.
The purchaser terminal 100 transmits a payment amount, buyer information and seller information when a sound wave payment request is made to the sound wave payment service server 300 through a mobile communication network.
The purchaser terminal 100 further requests a sound wave payment to the sound wave payment service server 300 through a mobile communication network, and further includes a communication module for receiving a sound wave payment result processed from the sound wave payment service server 300. Contactless sound wave payment system for inputting the payment amount by the buyer terminal including. The method of claim 1, wherein the buyer terminal 100,
A sound wave generation module 130 for generating buyer information including a payment amount and transmitting the sound wave to the seller terminal 200;
A microphone 101 for receiving seller information including seller information generated from the sound wave generation module 240 of the seller terminal 200;
A controller 119 for controlling generation and transmission of the buyer information, reception of the seller information, and the sound wave payment request; And
Contactless sound wave payment system for the purchaser terminal to directly enter the payment amount, the buyer terminal including a display (123) for displaying the sound wave payment app 140 for the buyer to display the sound wave payment process and results. According to claim 1, The seller terminal 200,
A microphone 210 for receiving sound wave payment information including a payment amount generated from the sound wave generation module 130 of the purchaser terminal 100;
A control unit 220 controlling reception of the buyer information and generation and transmission of the seller information;
A display 230 for displaying a sound wave payment process and results; And
Contactless sound wave payment system for inputting the payment amount by the buyer terminal including a sound wave generation module 240 for generating the seller information including the seller information to the buyer terminal 100 to transmit. According to claim 1, The sound wave payment service server 300,
A sound wave payment information receiver 310 for receiving a sound wave payment request from the purchaser terminal 100 through a mobile communication network;
A sound wave payment processing unit 320 for processing the sound wave payment according to the payment amount, the buyer information, and the seller information transmitted for the sound wave payment request of the buyer terminal 100;
A buyer DB 330 for storing buyer information transmitted when a sound wave payment request is made by the buyer terminal 100;
Merchant DB for storing the seller information transmitted when the sound wave payment request of the purchaser terminal 100;
A sound wave payment result confirming unit 340 for transmitting the sound wave payment result processed by the sound wave payment processing unit 320 to the purchaser terminal 100 together with a payment amount, buyer information, seller information, and time information; And
Contactless sound wave payment system for inputting the payment amount by the purchaser terminal including a payment amount settlement DB (360) to settle the payment amount according to the sound wave payment result processed by the sound wave payment processing unit (320). In the non-contact sound wave payment method each equipped with a sound wave generation module for payment between the purchaser terminal 100 and the seller terminal 200,
a) inputting a payment amount of a product to be purchased by driving a sound wave payment app 140 for a buyer installed in the purchaser terminal 100;
b) generating the buyer information including the buyer information through the sound wave generation module 130 mounted on the buyer terminal 100 and transmitting the sound wave to the seller terminal 200 for sound wave payment;
c) the seller terminal 200 generates seller information including seller information in response to buyer information received from the buyer terminal 100 through the sound wave generation module 240 mounted in the seller terminal 200. Transmitting sound waves to the purchaser terminal (100);
d) requesting, by the purchaser terminal 100, sound wave payment to the sound wave payment service server 130 through a mobile communication network;
e) the sound wave payment service server 130 processes the sound wave payment requested from the purchaser terminal 100, and then transmits the sound wave payment processing result to the purchaser terminal 100;
f) generating, by the buyer terminal 100, sound waves corresponding to the sound wave payment result received from the sound wave payment service server 130, and delivering the sound wave to the seller terminal 200;
g) displaying and confirming a sound wave payment result by the seller terminal 200 through the sound wave payment program 250 for the seller; And
h) including the step of displaying the sound wave payment results by the buyer terminal 100 through the sound wave payment app 140 for the buyer,
The purchaser terminal 100 and the seller terminal 200 each perform payment through sound waves, and the buyer terminal 100 without communication between the seller terminal 200 and the sound wave payment service server 300 during a sound wave payment process. The buyer terminal inputs the payment amount, characterized in that for performing the sound wave payment request to the sound wave payment service server 300 through the mobile communication network). The method of claim 6,
The purchaser terminal 100 generates sound wave payment information including payment amount, time and buyer information as sound waves, and transmits the sound wave payment information to the seller terminal 200 in a non-contact manner at a short distance within the sound wave audible region.
The purchaser terminal 100 transmits a payment amount, buyer information, and seller information when a sound wave payment request is made to the sound wave payment service server 300 through a mobile communication network. The method of claim 6,
The buyer terminal 100,
A sound wave generation module 130 for generating buyer information including a payment amount and transmitting the sound wave to the seller terminal 200; A microphone 101 for receiving seller information including seller information generated from the sound wave generation module 240 of the seller terminal 200; A controller 119 for controlling generation and transmission of the buyer information, reception of the seller information, and the sound wave payment request; And a display unit 123 for directly inputting the payment amount and displaying a sound wave payment app 140 for a buyer to display the sound wave payment process and results. The method of claim 6, wherein the seller terminal 200,
A microphone 210 for receiving sound wave payment information including a payment amount generated from the sound wave generation module 130 of the purchaser terminal 100;
A control unit 220 controlling reception of the buyer information and generation and transmission of the seller information;
A display 230 for displaying a sound wave payment process and results; And
Contactless sound wave payment method of the buyer terminal including the sound wave generation module 240 for generating the seller information including the seller information to the buyer terminal 100 to transmit the payment amount. The method of claim 6, wherein the sound wave payment service server 300,
A sound wave payment information receiver 310 for receiving a sound wave payment request from the purchaser terminal 100 through a mobile communication network; A sound wave payment processing unit 320 for processing the sound wave payment according to the payment amount, the buyer information, and the seller information transmitted for the sound wave payment request of the buyer terminal 100; A buyer DB 330 for storing buyer information transmitted when a sound wave payment request is made by the buyer terminal 100; Merchant DB for storing the seller information transmitted when the sound wave payment request of the purchaser terminal 100; A sound wave payment result confirming unit 340 for transmitting the sound wave payment result processed by the sound wave payment processing unit 320 to the purchaser terminal 100 together with a payment amount, buyer information, seller information, and time information; And a payment amount settlement DB (360) for calculating a payment amount according to the sound wave payment result processed by the sound wave payment processing unit (320).

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