WO2016182308A1 - Dispositif de paiement mobile du type sans contact utilisant une communication bluetooth, procédé de traitement de données de paiement du dispositif de paiement mobile, système de paiement mobile comprenant le dispositif de paiement mobile du type sans contact utilisant une communication bluetooth, et support d'enregistrement comprenant un programme enregistré sur celui-ci - Google Patents

Dispositif de paiement mobile du type sans contact utilisant une communication bluetooth, procédé de traitement de données de paiement du dispositif de paiement mobile, système de paiement mobile comprenant le dispositif de paiement mobile du type sans contact utilisant une communication bluetooth, et support d'enregistrement comprenant un programme enregistré sur celui-ci Download PDF

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Publication number
WO2016182308A1
WO2016182308A1 PCT/KR2016/004863 KR2016004863W WO2016182308A1 WO 2016182308 A1 WO2016182308 A1 WO 2016182308A1 KR 2016004863 W KR2016004863 W KR 2016004863W WO 2016182308 A1 WO2016182308 A1 WO 2016182308A1
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WIPO (PCT)
Prior art keywords
payment
information
mobile
data
user terminal
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PCT/KR2016/004863
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English (en)
Korean (ko)
Inventor
김종각
박진수
신용재
권용태
한근석
김재연
장승만
Original Assignee
김종각
박진수
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Priority claimed from KR1020150065063A external-priority patent/KR101649995B1/ko
Priority claimed from KR1020150066236A external-priority patent/KR101718789B1/ko
Application filed by 김종각, 박진수 filed Critical 김종각
Publication of WO2016182308A1 publication Critical patent/WO2016182308A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention relates to a mobile payment system including a contactless mobile payment device using Bluetooth communication, a payment data processing method of the mobile payment device, a contactless mobile payment device using Bluetooth communication, and a recording medium on which the program is recorded.
  • the electronic wallet (mobile wallet) service is a service that integrates existing payment services such as mobile credit cards and non-payment functions such as ID card, membership point card, and security card so that they can be used on one mobile device. Points, discount coupons, etc. can be used at the same time using the mobile device of the device, and the non-payment function is combined with the existing mobile credit card payment service, using the NFC terminal contact method described above. It is implemented as a USIM type mobile (credit) card system or an application (APP) type system using a barcode / QR code scan or NFC terminal contact method.
  • USIM type mobile (credit) card system or an application (APP) type system using a barcode / QR code scan or NFC terminal contact method.
  • a payment gateway is a system for relaying online money transaction flows.
  • PG companies can provide a simple payment system in accordance with the recent government's simple payment activation policy.
  • This simple payment system allows PG companies to store credit card information with the consent of customers' use of personal information. When the payment is made online, the credit card company does not need to check the customer information, and creates an environment in which payment can be performed.
  • large ICT companies such as Kakao, Naver, and Samsung Electronics also make these simple payments. It enters the market and provides mobile payment service, and registers only by bringing a credit card to the mobile phone, without having to enter the card number directly on the mobile phone in the authentication phase, by paying only with a password and contacting the NFC terminal without authentication.
  • NFC-based payment service that can be used, such as in advance when signing up for services
  • a as a payment method for performing mobile payment password input can only using a separate electronic payment system is used and various methods of payment, such as (cacao page) to enhance the security.
  • the main technology of the mobile payment system is an ultra-short-range two-way wireless communication technology using RFID (electronic tag), and NFC-based payment system that uses two-way communication, that is, payment is made when the terminal and the payment device are contacted within 10 cm or less.
  • RFID electronic tag
  • NFC-based payment system that uses two-way communication, that is, payment is made when the terminal and the payment device are contacted within 10 cm or less.
  • information is exchanged only when the reader is in contact with the reader.
  • the NFC-based payment system is weak in terms of usability. In order to be able to pay by NFC, stores must prepare a separate NFC reader for hundreds of thousands of won, and user terminals must also support NFC, which is preventing the spread of the NFC payment system.
  • Bluetooth communication-based technology has the advantage that almost all the user terminal is equipped with a Bluetooth function, has recently emerged as a low-power Bluetooth (Bluetooth Low Energy (BLE) technology, the beacon (Beacon) technology included therein
  • BLE Bluetooth Low Energy
  • Beacon Beacon
  • connection and data communication proceeds, shared secret key by sharing a secret key (number unique number)
  • encryption technology is not applied basically, so it is vulnerable to sniffer attack by hackers, but it has not been used for services where important information comes and goes like payment system. to be. Accordingly, there is a need for a method of securing security in the establishment of a Bluetooth communication-based payment system.
  • the Bluetooth communication technology has advantages that almost all user terminals are equipped with a Bluetooth function, and thus it is easy to spread and spread. In spite of having a payment system and a payment method using Bluetooth communication technology, there is no situation so far.
  • RSSI Receiveived Signal Strength Indicator
  • a contactless mobile payment device using Bluetooth communication to enhance security by performing payment data communication by limiting to a case where a user's specific motion is recognized using a proximity sensor in a close range area. It is an object of the present invention to provide a mobile payment system including a payment data processing method of the mobile payment device, a non-contact mobile payment device using Bluetooth communication, a mobile payment data processing method using the same, and a recording medium on which the program is recorded.
  • a contactless type using Bluetooth communication with enhanced security by separating important payment data by Bluetooth communication between a payment system, a user terminal, and a mobile payment device, verifying a payment location, and performing a payment process.
  • a mobile payment device comprising a mobile payment device, a payment data processing method of the mobile payment device, a contactless mobile payment device using Bluetooth communication, a mobile payment data processing method using the same, and a recording medium on which the program is recorded. do.
  • the present invention relates to a contactless mobile payment device using a Bluetooth communication in one aspect, including the user interface to receive payment related information from the user of the merchant through this process to process the payment data, the payment Receives settings for a communication module and a sensor module including a Bluetooth communication module for processing data, generates commands for controlling the Bluetooth communication module and a sensor module according to the setting input, and setstles a payment with a user terminal through a Bluetooth communication module.
  • the mobile payment device 110 is capable of communication of the Bluetooth communication module during the payment processing is initiated by the input of the payment amount and payment method of the user of the merchant.
  • a command for shortening the area to a predetermined short distance is generated and transmitted to the mobile payment terminal 120, and the mobile payment terminal 120 sets the communication range of the Bluetooth communication module to the shortened controlled short distance and the user terminal. Characterized in that the transmission and reception of the payment data signal by Bluetooth communication.
  • the sensor module for recognizing the motion is preferably composed of one or more roughness sensor.
  • the sensor module recognizing the operation calculates one or more of the distance, time, direction, and speed of the operation of the user terminal through at least one roughness sensor.
  • the mobile payment device 110 controls the mobile payment terminal 120 before the payment processing, which is initiated by input of the payment amount and the payment method of the user of the affiliated store, and the user terminal entering the beacon signal to the affiliated store.
  • the beacon UUID includes a preset identifier that transmits to a receivable range and the Bluetooth module of the user terminal is switched to the BLE communication standby state and a plurality of payment companies' payment APPs mounted on the user terminal are activated to proceed with the BLE scan. .
  • the Bluetooth communication module is composed of a first Bluetooth communication module used for transmitting a Beacon signal and a second Bluetooth communication module used for BLE communication with a user terminal when processing payment data. Characterized in that the payment data signal transmission and reception by Bluetooth communication when processing the payment data.
  • the beacon signal may include a beacon UUID including standard UUID data according to a BLE standard, and the beacon UUID may include service identification information including APP execution information for accessing a predetermined service.
  • the mobile payment device 110 controls the mobile payment terminal 120 to input a BLE signal including a payment UUID whose communication area is shortened by controlling the mobile payment terminal 120 when the payment amount and the payment method of the user of the affiliated store are input. It generates and sends, and performs a Bluetooth bridge connection for data communication with the user terminal entered into the communication area, and transmits and receives payment data.
  • the mobile payment device 110 controls the mobile payment terminal 120 to transmit a payment beacon signal of which the communication area is shortened, and to the payment beacon signal.
  • the payment beacon UUID including standard UUID data according to the BLE standard,
  • the payment beacon UUID includes identification information for the execution of the payment APP's payment APP included in the payment method selected by the user of the merchant, the user terminal ( It is preferable that the Bluetooth module of 200 is switched to the BLE communication standby state and includes a preset identifier for activating the BLE scan by activating the payment APP of the payment company included in the payment method selected by the user of the affiliate store.
  • the shortened controlled short distance is 20 Cm or less
  • the operation of the user terminal may be implemented to recognize the operation at a distance within 10 Cm.
  • the present invention is a payment data processing method in a contactless mobile payment device using Bluetooth communication, payment amount and method selection input step of receiving the payment amount and payment method of the seller (S110), payment amount and payment method of the seller Activate the Beacon / BLE data generation unit 113 according to the input of the call and call the billing company information including the payment UUID according to the payment method to generate the BLE data including the payment Beacon data and the payment UUID, and payment Beacon / BLE Change the payment beacon / BLE setting step of setting the communication area to the payment area which is a preset proximity distance (S120), and activate the mobile payment terminal function that activates the BLE communication function of the BT module according to the payment amount and the payment method of the seller.
  • step S130 the payment UUID value is confirmed in the user terminal 200, and if the BT bridge connection is requested through this, And the BT communication authentication and BT bridge connection step (S140) to complete the BT bridge connection with the user terminal 200, when the BT bridge connection is completed, the device for generating the device authentication information (D1) and BLE data for this generation Information (D1) generation step (S150), the payment device information (D1) for transmitting the BLE data for the device authentication information (D1) to the user terminal through the BT bridge connection, and receives the terminal authentication information (S1) from the user terminal Transmission step (S160), generating the payment information (D2), the terminal authentication information (S1) and payment information (D2) for transmitting the terminal authentication information (S1) and payment information (D2) platform (S180) Characterized in that it comprises a.
  • beacon UUID including the standard UUID data according to the BLE standard before the payment data processing is initiated by the input of the payment amount and payment method of the user of the merchant
  • the beacon UUID APP execution information for accessing a specific service Beacon information generating / transmitting step (S100) for transmitting a Beacon signal including the service identification information including a.
  • the present invention is a payment data processing method of a user terminal interworking with a contactless mobile payment device using Bluetooth communication, including a payment beacon UUID adjusted to a predetermined payment area and including standard UUID data according to the BLE standard And, if the payment beacon UUID receives a BLE signal including a payment beacon signal containing the identification information for the execution of the payment APP's payment APP included in the payment method selected by the user of the merchant and the payment UUID BLE communication BT module Beacon reception and application activation step (S210) to activate the payment company's payment APP and activate the payment company in the standby state (S210), if the payment UUID value identical to the UUID value stored in the payment App during the BLE scan in the payment area is confirmed.
  • a payment beacon UUID adjusted to a predetermined payment area and including standard UUID data according to the BLE standard
  • the payment beacon UUID receives a BLE signal including a payment beacon signal containing the identification information for the execution of the payment
  • Terminal authentication information (S1) generating a terminal authentication information (S1) including a serial number and transmitting to the mobile payment device 100 connected to the BT bridge in the payment area generation and transmission step (S230), payment means and user identification information Displaying the UI for the input of the display device of the user terminal, the payment means selection and user identification information input step of receiving the payment means selection and user identification information from the user (S240), the input payment means selection and user identification information And payment authentication information (S2) for generating payment authentication information (S2) including transaction date and time information and generating APP payment request information (S3) including the terminal authentication information (S1) and payment authentication information (S2) ( S2) and APP payment request information (S3) generation step (S250), APP payment request including the APP payment request information (S3) and payment device information (D1) to generate and send
  • the beacon UUID including the standard UUID data according to the BLE standard before the payment data processing is initiated by the input of the payment amount and the payment method of the user of the merchant and the beacon UUID includes the APP execution information for service access
  • a Beacon receiving and service processing step (S200) of receiving a Beacon signal including service identification information and executing an APP for accessing a corresponding service is further included.
  • the beacon UUID is pre-ON by the system or the user
  • the BT module of the user terminal 200 which is in the standby state is switched to the BLE communication standby state and a plurality of payment companies' payment APPs mounted on the user terminal are activated to perform the BLE scan.
  • the payment authentication information (S2) and APP payment request information (S3) generation step (S250) generates the terminal location information, the terminal authentication information (S1), payment authentication information (S2) and terminal location information Create APP payment request information (S3) that includes.
  • the present invention is a mobile payment system including a contactless mobile payment device using Bluetooth communication, the mobile payment system, including a user interface to receive payment related information for a specific transaction from the user of the merchant through this; Processes payment data, receives a setting for a communication module and a sensor module including a Bluetooth communication module for processing the payment data, and generates a command for controlling the Bluetooth communication module and a sensor module according to the setting input.
  • the mobile payment device 100 for transmitting and receiving payment data to and from the user terminal through a communication module and the payment data for the specific transaction through the Bluetooth communication with the mobile payment device and receives the payment means selection and user identification information from the user texture
  • the third party processes the payment data and transmits the payment request for the specific transaction to the payment company / financial company server 400 through the first network and receives the payment approval result (S4) of the payment company / financial company server 400.
  • It comprises a user terminal 200 for receiving and processing, and receives the payment data from the mobile payment device 100 through the second network to process the payment request for the specific transaction with the device payment request information billing company / A device platform 300 for transmitting approval to the financial institution system 400, receiving a payment approval result D4, and delivering the received payment approval result D4 to the mobile payment device 100, and removing the payment data APP payment request from the user terminal 200.
  • the payment device transmits / receives a payment data signal through a Bluetooth communication by setting the communication range of the Bluetooth communication module to the shortened controlled short distance during the payment processing initiated by input of the payment amount and payment method of the user of the affiliated store. It is characterized by.
  • the APP payment request of the user terminal includes the location information of the user terminal
  • the device payment request includes the location information of the merchant
  • the billing company / financial company system 400 is the location of the user terminal Comparing the information with the location information of the merchant, it is determined whether or not to approve the payment request for the specific transaction.
  • the Bluetooth communication module is composed of a first Bluetooth communication module used for transmitting a Beacon signal and a second Bluetooth communication module used for BLE communication with a user terminal when processing payment data. Characterized in that the payment data signal transmission and reception by Bluetooth communication when processing the payment data.
  • the payment data transmitted by the mobile payment device 100 to the user terminal 200 via Bluetooth communication Device ID which is a unique identification ID of the mobile payment device, a transaction generated when the transaction in the mobile payment device
  • Payment device information (D1) which is information for authenticating the validity and the validity of the payment device, including the transaction serial number including the date and time, the payment content information including the payment information, and the user terminal 200 is Bluetooth communication.
  • the terminal authentication information (S1) which is information for authenticating the above validity, and the mobile payment device 100 generates the payment device information D1 when the payment amount and the payment method of the user of the affiliated store are input, and performs Bluetooth communication.
  • the user terminal 200 receives the payment device information D1 through Bluetooth communication, and extracts the device transaction serial number included in the received payment device information D1.
  • the terminal authentication information (S1) including the device transaction serial number is generated and transmitted to the mobile payment device 100 via Bluetooth communication.
  • the mobile payment device 100 when receiving the terminal authentication information (S1), the mobile payment device 100 generates device payment information (D2) including payment device information (D1) and merchant information, and the received terminal authentication information (S1) and the device payment information (D2) is transmitted to the device platform 300, the device platform 300 receives the device payment information (D2) and the terminal authentication information (S1) and is a serial number for payment Generating a payment serial number, generating payment transaction information (D3) including the device payment information (D2) and the merchant location information which is the latitude and longitude information of the pre-registered merchant address; It is preferable to generate the device payment request information including the authentication information (S1) and payment transaction information (D3) to transmit to the payment company / financial company system 400 to request approval for the specific transaction.
  • the user terminal 200 displays a UI for inputting a payment means and user identification information on a display device, and receives a payment means selection and user identification information from a user, and inputs a payment means selection and a user.
  • Generate APP payment request information (S3) including, and generate APP payment request including the APP payment request information (S3) and payment device information (D1) and transmits to the billing company / financial company system 400 It is desirable to request approval for the specific transaction.
  • the mobile payment device 100 when the payment amount and the payment method of the user of the affiliated store are input, the mobile payment device 100 generates and sends a BLE signal including the payment UUID of which the communication area is shortened by controlling the Bluetooth communication module.
  • the Bluetooth bridge connection for data communication is performed with the user terminal entering the communication area, and the payment device information D1 is transmitted to the user terminal.
  • the user terminal 200 receives a BLE signal including a payment UUID whose communication area is shortened, and when it is confirmed that the stored UUID value and the payment UUID value are the same, a BT bridge connection is performed through this. It is preferable to receive the payment device information (D1) through, and to transmit the terminal authentication information (S1) to the mobile payment device (100).
  • the sensor module may further include a sensor module that recognizes an operation, and recognizes an operation of the user terminal through a sensor module that recognizes the operation at the shortened controlled short distance to determine whether the operation of the user terminal matches a preset operation. It is desirable to determine and transfer the result to the mobile payment device, and if the mobile payment device matches the preset operation, proceed with processing of the payment data.
  • the preset operation is an operation of entering a point within a distance closer to the shortened adjusted short distance, and when the user terminal is recognized as an operation of entering a point within a distance closer to the shortened adjusted short distance. Determining that the operation coincides with the preset operation, the result is transmitted to the mobile payment device, and the mobile payment device proceeds with the processing of the payment data.
  • the mobile payment device 100 includes a sensor module that recognizes an operation, and recognizes the operation of the user terminal through the sensor module that recognizes the operation, and thus the operation of the user terminal is preset and It determines whether or not a match and transmits the result to the mobile payment device, and when the mobile payment device matches the preset operation, transmits the device payment information (D2) to the device platform (300).
  • the mobile payment device 100 transmits a beacon signal before payment processing started by input of a payment amount and a payment method of a user of an affiliated store to a range in which a user terminal entering an affiliated store can receive the beacon.
  • the UUID includes a preset identifier that enables the Bluetooth module of the user terminal to be switched to the BLE communication standby state and the payment APPs of the plurality of payment companies mounted on the user terminal are activated to proceed with the BLE scan.
  • the beacon signal may include a beacon UUID including standard UUID data according to a BLE standard, and the beacon UUID may include service identification information including APP execution information for accessing a predetermined service.
  • the mobile payment device 100 transmits the payment beacon signal of which the communication area is shortened and controlled by controlling the Bluetooth communication module and the payment beacon.
  • the signal includes a payment beacon UUID including standard UUID data according to the BLE standard, and the payment beacon UUID includes identification information for executing a payment APP's payment APP included in a payment method selected by a user of an affiliated store.
  • the Bluetooth module of the terminal 200 is switched to the BLE communication standby state and includes a preset identifier for enabling the payment app of the payment company included in the payment method selected by the user of the affiliate to perform the BLE scan.
  • the present invention is a mobile payment data processing method using a mobile payment system, including a contactless mobile payment device, a device platform, and a payment company / financial company system using Bluetooth communication, including the location information of the user terminal from the user terminal Receiving a device payment request (D3, S1) for a specific payment, including APP payment request (S3, D1) and merchant location information for a specific payment (S410), the received APP payment request (S3, D1) And the payment validity verification step (S420) to determine the approval by comparing the information of the device payment request (D3, S1), generating the approval data for the payment request to generate the approval data for transmitting the approval request to the financial institution server In the request transmission step (S430), the financial institution system verifies the approval data and determines whether to approve the specific payment.
  • Authorization data receiving processing step (S440) receiving the approval status, and generates the approval message (S4, D4) to generate the approval message (S4, D4) according to the approval and transmit to the device platform 300 and the user terminal, respectively, and Including the transmission processing step (S450), the payment validity verification step (S420), the location information of the user terminal and the merchant location information is compared with the transaction location information, if the transaction location information is inconsistent, the payment error message Characterized in that.
  • the device platform payment information including the terminal authentication information (S1) received from the user terminal from the mobile payment device and the payment device information (D1) and merchant information that is information for authenticating the validity and payment details of the payment device (D2) receiving the payment information (D2) processing step (S310), and generates a serial number, which is a serial number for payment on the device platform to pre-register with the device payment information (D2) and the serial number Generate payment transaction information (D3) including the merchant location information, and generates the device payment request (D3, S1) including the terminal authentication information (S1) and payment transaction information (D3) received from the user terminal
  • the financial institution system 400 further includes a payment transaction information (D3) / device payment request generation and transmission step (S320) requesting approval.
  • the user terminal preferably displays a UI for inputting the payment means and the user identification information on the display device of the user terminal, the payment means selection and user identification information input reception receiving the payment method selection and user identification information from the user Step S240, generating payment authentication information (S2) including payment method selection and user identification information and transaction date information input from the user terminal, generating location information of the user terminal, location information of the user terminal And payment authentication to generate APP payment request information (S3) including the transaction information and the terminal authentication information (S1) and payment authentication information (S2), which is information for authenticating one or more validity of the payment APP, the user, and the user terminal Information (S2) and APP payment request information (S3) generation step (S250), the validity and payment of the APP payment request information (S3) and payment device in the user terminal Steps for generating and transmitting APP payment requests (S3, D1) for generating APP payment requests (S3, D1) including payment device information (D1), which is information for authenticating the contents, and transmitting them to the payment company / financial company system
  • the terminal recognition information (S1) further includes an operation recognition step (S170) of recognizing a user terminal or a user's operation in a payment area by a motion recognition function of an operation recognition module and determining whether the operation matches a preset operation.
  • payment information (D2) transmitting step (S180) generates the payment information (D2) and transmits the terminal authentication information (S1) and payment information (D2) to the device platform if the recognized operation matches the preset operation. It is preferable.
  • the beacon UUID including the standard UUID data according to the BLE standard before the payment data processing is initiated by the input of the payment amount and payment method of the user of the merchant includes APP execution information for accessing a specific service Beacon information generating / transmitting step (S100) for transmitting the Beacon signal including the service identification information to include preferably is further performed, the mobile payment terminal function activation step (S130) to activate the payment Beacon signal transmission function
  • the payment beacon signal includes a payment beacon UUID including standard UUID data according to a BLE standard, and the payment beacon UUID includes identification information for executing a payment company's payment APP included in a payment method selected by a user of an affiliate store.
  • the Bluetooth module of the user terminal 200 is switched to the BLE communication standby state and use of the merchant APP's payment settlement with the payment method selected by the active is preferably that contains a predetermined identifier to proceed with BLE scan.
  • the present invention relates to a recording medium on which a program for executing the method is recorded, wherein the recording medium is a computer-readable recording medium, and the method may be stored in the recording medium.
  • recording media includes all kinds of recording media on which programs and data are stored so that they can be read by a computer system. Examples include Read Only Memory (ROM), Random Access Memory (RAM), Compact Disk (CD), Digital Video Disk (DVD) -ROM, Magnetic Tape, Floppy Disk, Optical Data Storage, etc. It also includes implementations in the form of (eg, transmission over the Internet). In addition, these recording media can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.
  • the data security is enhanced by performing payment data communication.
  • the contactless mobile payment device using Bluetooth communication Furthermore, by adopting the Beacon signal characteristic of the Bluetooth technology to perform the payment data processing process, the contactless mobile payment device using Bluetooth communication, the payment data processing method of the mobile payment device, Bluetooth communication, which is efficient and user convenience is improved. There is an effect that can provide a mobile payment system including a contactless mobile payment device using, and a mobile payment data processing method using the same.
  • FIG. 1 is a block diagram of a payment system using a contactless mobile payment device using Bluetooth communication of the present invention.
  • FIG. 2 is a block diagram of a mobile payment device 110 of an embodiment of the present invention.
  • FIG. 3 is a block diagram of a mobile payment terminal 120 of an embodiment of the present invention.
  • FIG. 4 is a block diagram of a Beacon / BLE control unit 121 of one embodiment of the present invention.
  • FIG. 5 is a block diagram of a roughness sensor control unit 122 of an embodiment of the present invention.
  • 6 and 7 are configuration diagrams of the MSR control unit 123 and the NFC control unit 124, respectively.
  • FIG. 8 is a flowchart of a conflict processing between payment methods in an embodiment in which the mobile payment terminal 120 is activated for all payment methods.
  • FIG. 10 is a block diagram of an example device platform 300 of the present invention.
  • Figure 13 is a flow chart of the payment data processing of the mobile payment device 100 of one embodiment of the present invention.
  • the present invention in particular, when the user terminal only recognizes the operation of entering the point near the point within a distance closer to the shortened controlled short distance is implemented only by the proximity sensor.
  • the proximity sensor and the illumination sensor may be separately installed and implemented to perform their respective functions.
  • the standard UUID included in the above-described Beacon signal or the payment Beacon signal is a standard UUID for BLE communication and a BT bridge with a payment company's payment APP included in a selected payment method among a plurality of payment APPs mounted on the user terminal 200.
  • the mobile payment APP is classified by each payment company, and each independently activated according to the reception of the Beacon signal or the payment Beacon signal to perform a BLE scan for the BT bridge connection, and the standard transmitted from the mobile payment device UUID values equal to UUID values are stored as UUID values for BLE bridge connection of the payment APP, respectively.
  • a standard UUID value equal to the UUID value stored in the payment app is displayed in the payment area. If it is confirmed, the BT bridge connection is performed through this, and the payment device information D1 is received through BT communication with the mobile payment device 100 connected to the BT bridge in the payment area, and the reception of the payment device information D1 is successful.
  • Payment method information, user identification information and transaction date and time information input through the input UI for example, date of completion of input of user identification information is generated as payment authentication information (S2), location information of the user terminal is generated, and the terminal location information And the terminal authentication certificate information (S1) and payment authentication information (S2) by combining APP payment request information (S3) is generated.
  • the user terminal 200 transmits the APP payment request information S3 and the received payment device information D1 generated as described above to the payment company / financial company server 400 as an APP payment request, and the payment company / financial company server.
  • the payment approval result S4 of 400 is received and processed.
  • the device platform 300 receives the device payment information (D2) to add the merchant information to the payment device information (D1) in the mobile payment device 100 to generate a payment serial number which is a serial number for payment, device payment
  • the device generates the payment transaction information (D3) including the information (D2) and the merchant location information, which is the latitude and longitude information of the pre-registered merchant address, and the terminal authentication information (S1) received from the user terminal.
  • the payment request information is requested to the payment company / financial company system 400, and the payment approval result D4 of the payment company server 410 / financial company server 420 is received and processed.
  • the affiliate store location information is pre-stored and managed by being included in the device information associated with the affiliate store information when the mobile payment device is distributed and installed in the affiliate store.
  • Merchant location information is determined by comparing the location of the merchant or the device that performs the payment processing as transaction location information through comparison with the terminal location information contained in the APP payment request information (S3) from the user terminal separated from the transaction,
  • S3 APP payment request information
  • the device platform 300 manages the mobile payment device 100 and affiliated store related information and payment information including the affiliated store location information.
  • the payment company / financial company system 400 receives an APP payment request of a user terminal including APP payment request information S3 and payment device information D1 from the user terminal 200, and locates an affiliate store from the device platform 300.
  • the device payment request of the device platform including the payment transaction information (D3) and the terminal authentication information (S1) including the information is received and verified by comparing each data.
  • the data to be compared and verified payment APP subscription ID, payment authentication information, Device ID, transaction serial number, merchant information, payment serial number, transaction date and time information, transaction location information, billing company / financial company system 400 If the payment company server 410 and the financial company system 420 is divided into successful verification in the payment company server 410, the financial institution system 420 transmits an approval request for the corresponding payment request, and the financial company 420 is approved or not. When it is determined that the results are transmitted and received, the results are transmitted to the user terminal 200 and the device platform 300 as payment approval results S4 and D4, respectively.
  • the non-contact mobile payment device 100 using the Bluetooth beacon signal and the roughness sensor constituting the mobile payment system of the present invention as described above, the mobile payment device 110 and the mobile payment terminal 120 functionally divided. Examples of each will be described in detail.
  • the payment application 110b may be composed of a beacon service application and a set of payment applications divided into a plurality of billing companies, or may be configured as an application including them.
  • Each beacon service application and a plurality of billing payment applications are configured as follows. Each of them may be separately taken to proceed with payment processing, and may be implemented as a single application by sharing some or all of the following components as functional modules.
  • the payment application 110b is a payment application processing unit 111, Beacon / BLE and sensor control unit 112, Beacon / BLE data generation unit 113, device authentication information (D1) generation unit 114, terminal authentication information (S1) ) Processing unit 115, payment information (D2) generation unit 116, MSR / NFC information processing unit 117, payment completion information processing unit 118, and Beacon / BLE and sensor setting unit 119.
  • D1 generation unit 114 device authentication information (D1) generation unit 114, terminal authentication information (S1) ) Processing unit 115, payment information (D2) generation unit 116, MSR / NFC information processing unit 117, payment completion information processing unit 118, and Beacon / BLE and sensor setting unit 119.
  • the payment application processing unit 111 performs a function of activating and controlling a related application by receiving a payment function execution command of a seller or an administrator of a merchant through a user I / F.
  • the Beacon / BLE data generation unit 113 when sending a Beacon before payment processing, the Beacon / BLE data generation unit 113 is activated according to a command of executing a Beacon function of the user to generate various Beacon data by calling various service information stored in the memory unit. Beacon / BLE and the sensor control unit 112 to be transmitted, the Beacon / BLE and the sensor control unit 112 to transmit a corresponding command including the Beacon data to the mobile payment terminal 120.
  • a user terminal entering a preset area that is, a service area, which receives a beacon signal through service identification information including APP execution information for accessing a preset service included in the beacon UUID included in the beacon data, receives the beacon signal.
  • service identification information including APP execution information for accessing a preset service included in the beacon UUID included in the beacon data
  • receives the beacon signal By running an APP for access, the user entering the merchant area is encouraged to receive an advertisement or coupon.
  • the beacon / BLE data generation unit 113 is activated according to the payment amount and the payment method of the seller to make payment according to the payment method.
  • a corresponding command including BLE data including data and payment UUID is transmitted to the mobile payment terminal 120.
  • the Beacon / BLE data generator 113 is generated by the device authentication information (D1) generator 114.
  • the command including the device authentication information (D1) data in the Beacon / BLE and sensor control unit 112
  • the mobile payment terminal 120 transmits.
  • the beacon / BLE and sensor controller 112 generates a command for controlling the mobile payment terminal 120 according to the transmission of the beacon data and the BLE data by the beacon / BLE data generating unit 113 together with the necessary data.
  • the mobile payment terminal is transmitted to the mobile payment terminal through the I / F unit.
  • the communication range of BT that is, the reception area of the payment beacon signal and the transmission / reception area of the BLE signal by the BT bridge connection according to the seller's payment amount and the input of the payment method are set in close proximity, for example, It includes a command to shorten the adjustment to reset the payment area within 20cm, and the information about the payment area is stored in the Beacon / BLE and sensor setting unit by the user in advance, the set value of the payment area is called and included in the command
  • the set value of the payment area may be pre-stored in the Beacon / BLE control unit 121 of the mobile payment terminal. In this case, only the command for resetting to the payment area is transmitted.
  • the mobile payment terminal When sending a Beacon before payment processing, which is before inputting a payment amount and a payment method of a user of a merchant, the mobile payment terminal includes a command including Beacon data generated by the Beacon / BLE data generation unit 113 according to a command of executing a Beacon function of the user.
  • the mobile payment terminal transmits a payment beacon signal and a BLE signal generation command including BLE data including the payment beacon data and the payment UUID when the payment proceeds according to input of the payment amount and the payment method of the user of the affiliated store. Transmit to 120.
  • the service information for transmitting advertisements or coupons stored in the memory unit is called to generate Beacon data and transmitted to the Beacon / BLE and the sensor controller 112, and during the settlement, the settlement Beacon data and payment BLE data including the UUID is generated and transmitted to the beacon / BLE and the sensor controller 112.
  • Beacon / BLE and sensor setting unit 119 performs a function of receiving and managing the setting information of the Beacon / BLE module and various sensors through the user I / F from the merchant or the manager of the merchant.
  • a plurality of payment beacon / BLE communication area can be preset and reset to the payment area by the input of the seller or the manager of the merchant, the range value of the motion recognition of the roughness sensor, the operation recognition
  • Each setting value such as the content value, can be preset and reset.
  • the mobile payment terminal 120 includes a Bluetooth communication module connected to and communicated with the mobile payment device 110 and used for transmission and reception of payment data to set necessary settings according to a command of the mobile payment device. It performs the function of transmitting and receiving the payment data signal by the Bluetooth communication with the user terminal, and performs various functions of the mobile payment terminal 120 and processing data by executing the control application unit 120d and the instruction set associated with it.
  • Control application unit 120b for controlling MCU 120a, BT communication module and sensor module 120d, mobile payment device I / F 120c for communication with mobile payment device, one or more BT modules, muscle roughness sensor (S), an MSR sensor, a communication module including the NFC sensor and the sensor module 120d.
  • the control application unit 120b controls the BT module and a Beacon / BLE control unit 121 for processing the BLE signals received therefrom, and a roughness sensor for controlling the roughness sensor (s) and processing the signals received therefrom.
  • the control unit 122 is configured to include an MSR control unit 123 for controlling the MSR sensor and processing signals received therefrom, and an NFC control unit 124 for controlling the NFC sensor and processing signals received therefrom.
  • the mobile payment device I / F (120c) to control the BT module, the roughness sensor (s), the Beacon signal and BLE to the user terminal 200 A signal is transmitted, a BLE signal is received from the user terminal, and the user terminal or the user's motion is recognized to perform a contactless mobile payment process using the BT communication of the present invention.
  • the mobile payment device 110 controls the BT communication area of the BT module according to the command transmitted according to the seller's payment amount and the payment method, and the BT beacon signal reception area and the BT bridge.
  • the control unit recognizes and processes the user terminal 200 or the user's motion according to each setting value such as the range value of the motion recognition sensor and the content value of the motion recognition, and the mobile payment device 110.
  • the payment is limited to the case of coinciding with the preset operation within the settlement area or the entry operation within the ultra close distance, for example, within 10 cm. Proceed with data processing. This ensures the security of BT communication in payment systems in a way that responds to hackers' sniffing attacks and prevents errors in contactless payments using BT communication.
  • the security of the BT communication will be secured, and a detailed description will be given of the Beacon / BLE control unit 121 and the roughness sensor control unit 122 associated with preventing an error of a contactless payment using the BT communication.
  • the beacon / BLE setting control unit 121a performs a function of changing the setting of the communication area of the BT module according to the control commands of the beacon / BLE and the sensor control unit 112, and pre-receives the reception area of the beacon signal before proceeding with the payment.
  • Set the set distance for example, the range within the store, and set the communicable area of the BT module according to the control command and the set value of the Beacon / BLE and the sensor controller 112 according to the input of the payment amount and the payment method of the seller during the payment process. Then, it is set as a reception possible area of the payment beacon signal and a transmission and reception area of the BLE signal by the BT bridge connection.
  • the setting value of the communicable area of the BT module is stored as a preset value or a received value in the Beacon / BLE setting control unit 121a, and the control command of the Beacon / BLE and sensor control unit 112 identifies the setting value.
  • Setting can be changed.
  • the beacon / BLE switching ON / OFF control unit 121b activates the beacon signal transmission and BLE communication functions of the BT module used or activates the beacon signal transmission and BLE communication functions according to the control commands of the beacon / BLE and sensor control unit 112. By deactivating, control is made to start or stop sending Beacon signals or to start or end BLE communication.
  • two BT modules are used so that the first BT module is used for transmitting the Beacon signal and the second BT module is used for transmitting the Beacon signal and BLE communication.
  • the second BT module is turned on, the transmission of the payment beacon signal and BLE communication is activated and switched, BT bridge connection Upon completion, the transmission of the payment beacon of the second BT module is turned off.
  • the first BT module when the payment data is processed, the first BT module may be turned off to stop the beacon signal transmission and the second BT module may be turned on to activate the BLE communication or to transmit the payment beacon signal and the BLE communication. Accordingly, the mobile payment terminal 120 sets the communication possible area of the second BT module to a shortened controlled short distance when the payment process is initiated by input of the payment amount and the payment method of the user of the affiliated store and the Bluetooth communication with the user terminal. By transmitting and receiving a payment data signal.
  • the payment beacon signal transmission and the BLE communication are started, and the terminal authentication information (S1)
  • the BLE communication with the user terminal 200 that is, the BT bridge, is terminated by the command of the Beacon / BLE and the sensor controller 112.
  • the BLE signal processor 121d includes payment UUIDs within the area range set by the Beacon / BLE setting controller 121a for BLE data transmitted from the Beacon / BLE and the sensor controller 112 through the mobile payment device I / F 120c.
  • the BT module is controlled to transmit the BLE signal for the BLE data, and the BLE signal for the terminal authentication information S1 received from the user terminal through the BT module from the user terminal according to the BT bridge connection is BLE for the terminal authentication information S1.
  • the data is processed and transmitted to the mobile payment device 110 through the mobile payment device I / F 120c.
  • transmission of the BLE signal and reception and processing of the BLE signal for the BT bridge connection and the terminal authentication information S1 are performed through the second BT module.
  • the sensor module recognizing the operation of the present invention may include one or more muscle roughness sensors.
  • the muscle roughness sensor controller 122 may include the muscle roughness sensor module setting controller 122a and the muscle roughness sensor. It consists of a signal processing part 122b.
  • the roughness sensor module setting control unit 122a sets a range value of the motion recognition of the muscle roughness sensor, a content value of motion recognition, and the like according to a control command of the beacon / BLE and the sensor control unit 112. Set and change the range of motion recognition.
  • the motion recognition sensor upon receiving a command for activating the motion recognition function of the muscle illuminance sensor according to the seller's payment amount and the input of the payment method, the motion recognition sensor is activated to start the motion recognition and when the terminal authentication information S1 is received.
  • the Beacon / BLE and the command of the sensor control unit 112 the sensor is activated to end the motion recognition.
  • the motion when only the entry into the ultra-close distance is determined, the motion may be recognized only by the information entered by the user terminal or the user in the set area, that is, the distance of the motion recognition range value. It is also possible to perform an operation recognition process.
  • the payment processing function and the MSR payment processing function NFC payment processing function using the Bluetooth beacon signal and the roughness sensor may be activated at the same time and activated for all payment methods.
  • the collision occurs. This can happen. Therefore, a collision processing process is required
  • FIG. 8 is a flowchart of a collision processing process between payment methods in the embodiment in which the mobile payment terminal 120 is activated for all payment methods.
  • NFC function activation and data transmission / reception are performed, and when this fails, MSR Function activation and transmission and reception of data, the priority of the payment processing by the payment processing function using the Bluetooth beacon signal and the roughness sensor can be prevented from collision of the three payment means by sequential function activation.
  • FIG. 9 is a configuration diagram of the user terminal 200 according to an embodiment of the present invention.
  • the user terminal 300 according to an embodiment of the present invention, the payment application unit 210 for performing the mobile payment processing of the present invention, the display 220, input / output I / F 230, memory 240, Processor (CPU) 250, BT module 260, internal and external communication I / F 270 and GPS / communication module 280, and other general peripheral interfaces (not shown), RF circuits (not shown), Includes audio circuitry (not shown), speakers (not shown), microphones (not shown), input / output (I / O), subsystems (not shown), other input or control devices 128 and external ports (not shown) can do. These components communicate with each other via one or more communication buses or signal lines 110.
  • the user terminal 200 includes a smartphone, a handheld computer, a tablet computer, a mobile phone, a media player, a PDA, and the like, and a combination of two or more of these items, and the mobile payment process of the present invention. It may be any portable electronic device including, but not limited to, a configuration necessary to perform a process.
  • the various components shown in FIG. 9 may be implemented in hardware, software or a combination of both hardware and software, including one or more signal processing and / or application specific integrated circuits.
  • the payment application unit 210 may be composed of a set of payment APPs divided into beacon service APPs and a plurality of payment company APPs, or may be configured as one application including them, and each beacon service APP and a plurality of payment companies.
  • the payment APP may separately carry out the following configurations and proceed with the mobile payment process independently, and may be implemented by sharing some or all of the following configurations as functional modules as one application.
  • the payment application unit 210 performs a function of activating and controlling a related application upon receiving a beacon or a payment beacon.
  • the Beacon information receiving processing unit 221 When the user terminal enters the store, i.e., the service area (that is, the Beacon receiving area), the Beacon information receiving processing unit 221 is activated to include the APP execution information for service access including standard UUID data according to the BLE standard. A Beacon including a beacon UUID having service identification information is received to activate an APP for accessing a corresponding service.
  • the user terminal receives the Beacon signal when entering a predetermined area, that is, a merchant, through service identification information including APP execution information for accessing a preset service included in the beacon UUID, and accesses the corresponding service.
  • APP is executed for, the user entering the merchant area can receive the advertisement or coupon.
  • the Beacon information receiving processing unit 221 is activated, and the receiving range is limited to the proximity range which is the payment area, and the standard UUID data according to the BLE standard is received.
  • Receiving a payment Beacon signal including a payment beacon UUID to include, according to the identification information for the execution of the payment APP's payment APP of the payment method selected by the merchant of the merchant included in the payment beacon UUID and the identifier to execute the same
  • the activation processor 22 activates the payment APP of the corresponding payment company to perform the BLE scan for the BT bridge connection, and performs the BLE scan of the activated payment APP, and the UUID value stored in the payment App within the payment area.
  • the BT bridge connection is performed through this, so that the BT bridge connected mobile payment device 100 and BT in the payment area.
  • the BLE data is generated and transmitted to the mobile payment terminal 120 through the BT module.
  • Beacon information receiving processing unit 221 receives the Beacon including the beacon UUID having the service identification information including the APP execution information for the service access including the standard UUID data according to the BLE standard through the BT module before payment processing
  • a beacon UUID having service identification information including APP execution information for access and an identifier for executing the corresponding service APP is extracted and transmitted to the activation processor 222.
  • the Beacon information receiving processing unit 221 receives a payment beacon signal including a payment beacon UUID including a payment beacon UUID including the standard UUID data according to the BLE standard, the reception range of which is limited to a proximity range of the payment area,
  • the payment beacon UUID having the identification information of the payment company's payment APP of the selected payment method and the identifier for the execution of the payment method selected by the merchant included in the extraction is delivered to the activation processor 222.
  • the activation processing unit 222 upon receiving the beacon UUID from the Beacon information receiving processing unit 221, activates and executes a service APP for a specific service connection accordingly to induce a user terminal user who enters a service area to receive the service. .
  • the billing APP of each billing company is activated, the BT module is activated to perform a BLE scan for the BT bridge connection, and the BLE scan of the activated billing APP is in progress, and the UUID value stored in the billing App within the billing area is checked.
  • the BT bridge connection is performed through this to perform BT communication with the mobile payment device 100 connected to the BT bridge in the payment area.
  • the payment beacon UUID upon receiving the payment beacon UUID, according to the identification information for the execution of the payment company's payment APP of the payment method selected by the merchant included in the payment beacon UUID and the identifier to execute it, activate the payment company's payment APP BLE scan for BT bridge connection by activating the BT module, and during the BLE scan of the activated payment APP, if the UUID value identical to the UUID value stored in the payment app is confirmed within the payment area, The BT bridge is connected to perform BT communication with the mobile payment device 100 connected to the BT bridge in the payment area.
  • the function of activating the BT bridge by activating the BT module in the payment APP's payment APP is embedded.
  • the activation processor 222 activates the payment APP
  • the payment APP uses the self activation function to activate the BT module.
  • a configuration having a function of activating the BT bridge by activating the BT module in the payment APP is defined as the activation processing unit 222.
  • Terminal authentication information (S1) generation unit 223, BLE data for the payment device information (D1) received from the mobile payment device 100 via the BT communication with the mobile payment device 100 connected BT bridge in the payment area Extract payment device information (D1) from the memory and store in the memory, and extract the device transaction serial number included in the payment device information (D1), the transaction classification including the authorization-related information, the payment APP to identify the payment APP executed
  • a terminal including an identification ID, a smartphone identification ID including a unique identification number of a corresponding user terminal, a payment APP subscription ID which is a unique identification number of a payment APP service member, and a device transaction serial number included in the payment device information (D1).
  • Generate the authentication information (S1) and generates BLE data for the terminal authentication information (S1) to be transmitted to the mobile payment terminal 120 through the BT module.
  • the payment authentication information (S2) generation unit 224 displays an input UI for inputting payment means such as card information and user identification information on the display 220 of the user terminal, and receives a user selection and input.
  • the payment means information, the user identification information and the transaction date and time information input through the UI, for example, the date and time of completion of input of the user identification information are generated as payment authentication information (S2).
  • Payment authentication information (S2) generation unit 224 may be implemented in a specific function configuration embedded in the payment APP.
  • the UI may display payment content information included in the payment device information D1.
  • the user identification information may be a numeric password, a fingerprint, a specific pattern, or a voice.
  • Various methods such as recognition may be applied, and the input UI may be implemented in various ways according to the type of identification information selected.
  • the payment request information (S3) generation unit 225 combines the location information of the user terminal generated from the location information generation unit 227 with the terminal authentication information (S1) and payment authentication information (S2) to make an APP payment request. Generates information S3 and transmits the APP payment request including the APP payment request information S3 and the received payment device information D1 to the payment company / financial company system 400 through communication I / F.
  • the payment completion information processing unit 226 receives the approval result information S4 for the APP payment request from the payment company / financial company system 400 through the communication I / F, and displays it through the input / output I / F unit 230. To display on the screen.
  • the location information generation unit 227 analyzes signals or data received from the GPS module, the Wifi module, the LTE module, and the like to generate location information of the terminal, and generates the generated location information from the payment request information (S3) generation unit 225. To transmit.
  • FIG. 10 is a block diagram of a device platform 300 of an exemplary embodiment of the present invention
  • FIG. 11 is a main business flow chart of the device platform 300 of an exemplary embodiment of the present invention
  • FIG. 12 is a billing company / financial company system of the present invention. 400 is a configuration diagram.
  • a device platform 300 and a payment company / finance company system 400 for performing a mobile payment process in connection with the above-described contactless mobile payment device 100 and the user terminal 200 will be described with reference to FIGS. 10 to 12.
  • the device platform 300 receives the device payment information (D2) and the terminal authentication information (S1) to add the merchant information to the payment device information (D1) in the mobile payment device 100 and the payment is a serial number for payment
  • a request for approval to the payment company / financial company system 400 as device payment request information together with the authentication information S1 is received and processed by the payment approval result D4 of the payment company server 410 / financial company server 420.
  • the affiliate store location information is pre-stored and managed by being included in the device information associated with the affiliate store information when the mobile payment device is distributed and installed in the affiliate store.
  • Merchant location information is determined by comparing the location of the merchant or the device that performs the payment processing as transaction location information through comparison with the terminal location information contained in the APP payment request information (S3) from the user terminal separated from the transaction,
  • S3 APP payment request information
  • the device platform 300 manages a mobile payment device 100 and affiliated store related information and payment information including the affiliated store location information, a payment processing unit 310, and a sales management unit 320. , An authentication authority manager 330, and a service API processor 340.
  • the sales management unit 320 performs merchant management, device management, and user management, and registers and manages necessary information for this purpose.
  • the authentication authority management unit 330 performs tasks such as authentication control for the user, system access authority control, and access control for the service API, and the service API processor manages the API server to manage and verify various data and key values. To perform.
  • the payment company / financial company system 400 includes a user terminal including APP payment request information S3 including location information of the user terminal from the user terminal 200 and payment device information D1. Receive the APP payment request, and receives the device payment request of the device platform including the payment transaction information (D3) and the terminal authentication information (S1) including the merchant location information from the device platform 300, by comparing each data Verify.
  • the data to be compared and verified payment APP subscription ID, payment authentication information, Device ID, transaction serial number, merchant information, payment serial number, transaction date and time information, transaction location information, billing company / financial company system 400 If the payment company server 410 and the financial company system 420 is divided into successful verification in the payment company server 410, the financial institution system 420 transmits an approval request for the corresponding payment request, and the financial company 420 is approved or not. When it is determined that the results are transmitted and received, the results are transmitted to the user terminal 200 and the device platform 300 as payment approval results S4 and D4, respectively.
  • the payment company server 410 is a device payment request (D3, S1) receiver 411, APP payment request (S3, D1) receiver 412, payment validation unit 413, approval Request result receiving unit 414, the payment completion information processing unit 414.
  • the device payment request (D3, S1) receiving unit 411 is a device of the device platform including payment transaction information (D3) and the terminal authentication information (S1) including the payment transaction information from the merchant platform 300 from the device platform 300 through the second network Receive a payment request.
  • APP payment request (S3, D1) receiving unit 412 is a user including APP payment request information (S3) and payment device information (D1) including the location information of the user terminal from the user terminal 200 through the first network Receive the APP payment request of the terminal.
  • the user terminal 200 When a user possessing a user terminal 200 enters a store that is a service area that is a reception area of the beacon signal, the user terminal 200 includes a beacon UUID including standard UUID data according to a BLE standard, and the beacon UUID. Performs a Beacon receiving and service processing step of receiving a Beacon signal including service identification information including APP execution information for service access and executing the APP for the corresponding service access. This induces a user who enters a service area to access or receive a specific service.

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Abstract

La présente invention concerne un dispositif de paiement mobile du type sans contact utilisant une communication Bluetooth, un procédé de traitement de données de paiement du dispositif de paiement mobile, un système de paiement mobile comprenant le dispositif de paiement mobile du type sans contact utilisant une communication Bluetooth, un procédé de traitement de données de paiement mobile utilisant celui-ci, et un support d'enregistrement ayant le programme enregistré sur celui-ci, dans lesquels, lorsqu'un traitement de paiement est initié par une entrée d'un montant de paiement et un procédé de paiement d'un utilisateur d'un magasin affilié, un dispositif de paiement mobile règle une zone diffusable d'un module de communication Bluetooth en tant que distance courte qui a été ajustée pour être raccourcie, et ainsi, émet/reçoit un signal de données de paiement au moyen d'une communication Bluetooth avec un terminal utilisateur.
PCT/KR2016/004863 2015-05-10 2016-05-10 Dispositif de paiement mobile du type sans contact utilisant une communication bluetooth, procédé de traitement de données de paiement du dispositif de paiement mobile, système de paiement mobile comprenant le dispositif de paiement mobile du type sans contact utilisant une communication bluetooth, et support d'enregistrement comprenant un programme enregistré sur celui-ci WO2016182308A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR10-2015-0065063 2015-05-10
KR1020150065063A KR101649995B1 (ko) 2015-05-10 2015-05-10 블루투스 통신을 이용한 비접촉식 모바일 결제 디바이스, 상기 모바일 결제 디바이스의 결제데이터 처리방법, 및 상기 프로그램이 기록된 기록매체
KR1020150066236A KR101718789B1 (ko) 2015-05-12 2015-05-12 블루투스 통신을 이용한 비접촉식 모바일 결제 디바이스를 포함하는 모바일 결제 시스템 및 이를 이용한 모바일 결제데이터 처리방법
KR10-2015-0066236 2015-05-12

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WO2016182308A1 true WO2016182308A1 (fr) 2016-11-17

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CN110111112A (zh) * 2019-04-25 2019-08-09 上海易点时空网络有限公司 数据处理方法及装置
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