WO2016204528A1 - 스마트 간편 결제장치 및 그 시스템 - Google Patents

스마트 간편 결제장치 및 그 시스템 Download PDF

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Publication number
WO2016204528A1
WO2016204528A1 PCT/KR2016/006389 KR2016006389W WO2016204528A1 WO 2016204528 A1 WO2016204528 A1 WO 2016204528A1 KR 2016006389 W KR2016006389 W KR 2016006389W WO 2016204528 A1 WO2016204528 A1 WO 2016204528A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
authentication
user
smart
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PCT/KR2016/006389
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English (en)
French (fr)
Inventor
남기원
Original Assignee
남기원
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
Application filed by 남기원 filed Critical 남기원
Publication of WO2016204528A1 publication Critical patent/WO2016204528A1/ko

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Classifications

    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/38—Payment protocols; Details thereof
    • 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

Definitions

  • the present invention relates to a smart simple payment device and its system, which is mounted on a portable terminal in more detail.
  • the user can easily select a specific payment method that desires payment among a number of payment methods, and automatically communicates with the server.
  • merchants are concerned with smart easy-to-use payment devices and their systems that can dramatically improve user convenience by letting them know which credit cards or bank transfers are beneficial.
  • the offline payment through a credit card is performed by scanning the user's credit card on a card payment terminal to obtain credit card identification information. Even if it is not the same as the registered signature, payment processing is performed.
  • the mobile banking system Since the application has been recently released and is being actively used, the mobile banking system has only the difference that Internet banking can be performed through a PC and inputs the same information through a mobile terminal, and user convenience is improved compared to Internet banking. none.
  • the user can easily select a specific payment method that the user wishes to pay among the number of payment methods that are loaded on the terminal, and the communication with the server automatically informs the merchant which credit card or account transfer is advantageous, thereby greatly improving user convenience. Its purpose is to provide a smart and simple payment device and its system.
  • Another object of the present invention is to allow a customer to set up an authentication method in conjunction with a credit card payment and a processing amount when the account is transferred, and to perform authentication linked to the processing amount automatically when the credit card is settled or the account is transferred or withdrawn.
  • the present invention provides a smart simple payment device and a system thereof.
  • Another purpose of the present invention is a smart simple payment, which improves convenience and safety by allowing customers to pre-set the payment location, transfer location and withdrawal location radius, and to perform additional authentication when financial processing requests are required at locations other than those locations.
  • the information of each payment means is linked to the direction of the drag so that the transfer of accounts or payment of a specific credit card or point or payment through a gift certificate or coupon can be performed.
  • a smart easy payment device characterized in that it comprises a control unit (30) for automatically generating a green signal.
  • the payment means selection unit 16 is characterized in that it is configured to select the payment means in the direction of movement of the finger by analyzing the fingerprint image change state of the fingerprint sensor (4) mounted on the home button An apparatus is provided.
  • the financial information setting unit 12 may identify each payment means.
  • a smart simple payment device is provided, characterized in that the identification information and the user authentication information registered in the financial server 42 are registered so as to be automatically transmitted together with the identification information.
  • the user authentication unit 14 is configured to perform at least one authentication, such as fingerprint authentication or electronic certificate authentication or face authentication or password authentication or pattern authentication or drag direction authentication or user-specific registration word or sentence authentication.
  • a smart simple payment device is provided.
  • the user via the payment means selection unit 16 with a finger
  • control unit 30 displays the payment selection information selected by dragging on the screen.
  • the user is able to use a finger through the payment means selection unit 16.
  • control unit 30 displays the payment selection information selected by dragging and the event information of the corresponding merchant on the screen.
  • the payment means automatic extraction unit 18 for automatically extracting the corresponding payment means information stored in the financial information setting unit 12
  • a smart simple payment device is provided which is included and configured.
  • any payment means is selected through the payment means selection unit 16, and further includes an event information display unit 20 for outputting event information of the affiliated store on the screen. It is equipped with a smart easy payment device characterized in that.
  • a financial information combination unit 22 for automatically combining user identification information, payment means information, and payment related information is further included.
  • the smart easy payment device that i features are provided.
  • the specific payment means selected through the payment means selection unit 16 is selected from the payment means selection unit 16
  • a smart simplified payment device which is characterized by being automatically sorted in the order of the payment method with a larger discount rate or with a higher accumulation rate, and the first payment method being automatically selected.
  • the payment means selection unit 16 includes a plurality of payment means information, respectively.
  • a smart simplified payment device characterized in that a hyperlinked payment button is output on the screen.
  • the user authentication unit 14 sequentially receives the user's normal fingerprint image and the smeared fingerprint image through the fingerprint sensor 4, and the fingerprint is registered with the fingerprint registration fingerprint.
  • the control unit 30 determines that this is completed, the smart simple payment device is characterized in that the payment request signal is generated by a specific payment means set in the direction in which the fingerprint image is crushed.
  • the user authentication unit 14 In the case of word / sentence authentication, the user authentication unit 14
  • a smart simplified payment device which is characterized by judging whether a word or sentence has already been entered.
  • the situation-specific authentication means registration unit 24 for selectively registering the authentication means for each payment situation; analyzing the payment information according to the information registered in the authentication means registration unit 24 for each situation and
  • a smart easy payment device characterized in that it further comprises an authentication means automatic alignment unit 26 for automatically extracting and sorting the authentication means according to the user.
  • the automatic settlement response can be made by the query of the simple payment processing server 40.
  • a first personal identification setting section 28a which stores the personal identification information, such as gender or age group, and is automatically responsive by the query of the simple payment processing server 40.
  • a smart simplified payment device characterized in that it further comprises a second personal image setup section 28b for storing possible personal image information.
  • the event information is pre-payment of event information for each merchant in advance.
  • the smart easy payment device Provided by the smart easy payment device characterized in that the event information of the corresponding payment target merchant that is received and output from the convenience payment processing server 40 in response to the user's payment request signal in the state in the processing server (40) do.
  • the payment selection information is smart, characterized in that the control unit 30 automatically generates a payment request signal to the financial server 32 when the selection is made.
  • a payment device is provided.
  • the financial information combining unit 22 is provided with a smart simple payment device characterized in that the user's current location information is automatically extracted and combined.
  • the payment situation is provided with a smart simple payment device characterized in that any one of a small transfer, a large transfer or a small payment, a general payment or a large payment.
  • the authentication means automatic alignment unit 26 and the simple payment processing server 40 are identical to the authentication means automatic alignment unit 26 and the simple payment processing server 40
  • a smart simple payment device characterized in that the authentication information is inputted and transmitted to the simple payment processing server 40 so as to process authentication.
  • the second personal image setting unit 28b is provided with a smart and simple payment device characterized in that the change of the stored information is impossible to be restricted within a predetermined period.
  • the present invention provides a user with a selection signal for inputting a payment means selected by the user.
  • a smart simple payment system characterized in that it comprises a payment processing server 40 and a financial server 42 that receives payment request information from the periodical payment processing server 40 and performs payment processing.
  • the long-term payment processing server 40 and the financial information setting unit 12 is set in advance the payment means information according to the user-specific drag direction; identifying the user through the user device identification information or user authentication information of the user; A user identification unit (52) configured to perform user authentication by comparing user input information and input information previously registered to enable payment by activating the payment means;
  • the financial processing request signal generation unit which receives the payment means selection signal and the payment request information from the smart simple payment device 2, extracts the predetermined payment means information preset by the user, and generates the payment request signal roll financial server 42.
  • a control unit 30 which controls to perform user authentication and financial processing request signal processing, receives a financial processing signal from the financial server 42, and transmits processing information to the smart intermittent payment apparatus 2;
  • a smart simplified payment system is provided, which is configured to include a.
  • the short term payment processing server 40 includes an identification information capable of identifying each payment means selected and transmitted by the user, and a smart simplified payment system characterized in that the identification information and the user authentication information are registered. Is provided.
  • the user authentication that is processed in the long term payment processing server 40 is a user authentication that is processed in the long term payment processing server 40.
  • Fingerprint authentication or digital certificate authentication or face authentication or password authentication or pattern A smart simplified payment system is provided that is configured to perform at least one authentication, at least one authentication or drag direction authentication or user-specific registration word or sentence authentication certificate.
  • the short term payment processing server 40 is the smart simplicity
  • a smart easy payment system characterized in that it is configured to receive the finger drag direction information of the user received from the payment device (2), extract the payment means information corresponding to the drag direction, and transmit it to the smart easy payment device (2). This is provided.
  • the short term payment processing server 40 is the smart easy
  • a smart simple payment system is provided.
  • the short term payment processing server 40 is the smart easy
  • a smart simple payment system characterized in that the user identification information, payment means information, and payment related information are automatically transmitted to the financial server 42.
  • the long-term payment processing server 40 is automatically sorted in the order of payment means having a larger discount rate or a higher accumulation rate, when there are a plurality of specific payment means selected by the user, and the first priority payment means is smart.
  • a smart easy payment system characterized in that it is configured to be sent to the payment device (2).
  • the short term payment processing server 40 is a means for authenticating a user's authenticity, and the normal fingerprint image and the crushed fingerprint image of the user are sequentially obtained from the smart intermittent payment device 2.
  • a smart easy payment system is provided which is configured to receive and determine that the user authentication is completed only when the fingerprint matches the pillar-fingerprint, and is configured to process the payment request signal with a specific payment means preset in the direction in which the fingerprint image is crushed.
  • the short term payment processing server 40 is arranged therein according to the payment situation.
  • Authentication means registration unit 24 for selectively registering authentication means; and analyzing the payment information according to the information registered in the authentication means registration unit 24 for each situation, and automatically extracting and sorting authentication means according to the corresponding payment situation.
  • a smart simplified payment system which further comprises an authentication means automatic alignment unit 26 that allows a user to be authenticated.
  • the short term payment processing server 40 sets the specific location range as an additional authentication means when the user requests the financial processing, and sets the location information that is compared with the location information received from the smart easy payment device 2. Comparing unit 54; If the user's position is not the set position, the additional authentication signal generating unit 56 for requesting an additional authentication signal is further added.
  • a smart simplified payment system is provided, which is characterized by inclusion.
  • the financial information setting unit 12 is a means for setting the information of each payment means in association with the drag direction so that an account transfer, a specific credit card or point payment, or a payment through a gift certificate or a coupon can be performed.
  • a smart simple payment system is provided.
  • the smart payment system is characterized in that the payment situation is any one of a small liquid transfer, a large liquid transfer or a small settlement, a general settlement or a large settlement.
  • the smart simple payment device and the system according to the present invention can input a user authentication signal to the smart easy payment device, which is a portable terminal device, and at the same time, select a specific payment method among various payment methods, thereby providing high convenience and security.
  • the merchant automatically informs the user which payment method is advantageous, which is convenient, economically advantageous, and shortens the payment time.
  • the user when requesting financial processing, can set the type and number of pre-authentication means in association with the processing amount, so that a simpler and smaller number of authentication processes can be performed in the case of a small amount, and a more complicated and more number of certifications are made in a case of a large amount. It has the advantage of improving convenience and safety by processing, and in areas outside the specific location range when making payments, transfers and withdrawals. This has the advantage of increasing convenience and safety by enabling additional certification.
  • FIG. 1 is a view showing a schematic configuration of a smart simple payment device according to a first embodiment of the present invention
  • FIG. 2 is a block diagram showing the circuit configuration of the smart simple payment apparatus according to the first embodiment of the present invention
  • 3A and 3B are views showing the authentication selection information output state according to the authentication and drag directions through the smart easy payment device according to the first embodiment of the present invention
  • FIG. 4 is a diagram showing an authentication state through the smart easy payment device according to the first embodiment of the present invention and an output state of payment selection information and event information according to a drag direction
  • FIG. 5 is a first embodiment of the present invention. Figure showing a merchant event processing state through the smart easy payment system according to the embodiment,
  • FIG. 6 is a diagram showing a multiple authentication simple payment state using a smart easy payment device according to a second embodiment of the present invention.
  • FIG. 7 is a diagram showing another multiple authentication easy payment state using the smart easy payment device according to the second embodiment of the present invention.
  • FIG. 8 shows an individual through a smart easy payment system according to a third embodiment of the present invention. Drawing showing the security level setting status
  • FIG. 9 is an individual diagram of a smart payment system according to a fourth embodiment of the present invention.
  • FIG. 10 is a block diagram showing the configuration of a server that performs local restriction payment processing through the smart easy payment system according to the fifth embodiment of the present invention.
  • FIG. U is a diagram showing the signal flow of the smart easy payment system according to the fifth embodiment of the present invention.
  • FIG. 1 is a block diagram showing a schematic configuration of a smart easy payment device according to a first embodiment of the present invention
  • FIG. 2 is a block diagram showing a circuit configuration of a smart simple payment device according to a first embodiment of the present invention
  • 3A and 3B show the authentication and the payment selection information output state according to the drag direction through the smart easy payment device according to the first embodiment of the present invention
  • FIG. 4 is the smart easy payment according to the first embodiment of the present invention.
  • Fig. 5 is a view showing the payment selection information and the event information output state according to the authentication and the drag direction through the device
  • Fig. 5 is a view showing the merchant event processing state through the smart easy payment system according to the first embodiment of the present invention.
  • the smart simple payment device (2) according to the first embodiment of the present invention is a smart simple payment device (2) according to the first embodiment of the present invention.
  • the user can easily select a specific payment method which is equipped with a portable terminal and wishes to make a payment, and selects a payment method in connection with authentication, making it easier to select a payment method and input authentication information. It is a device that can dramatically improve user convenience by automatically communicating with the server and letting the merchant know which credit card or account transfer is advantageous.
  • the smart simple payment device (2) allows the smart simple payment control application (8) mounted therein to perform most functions related to financial processing requests, such as solution or transfer. It may be, or the simplicity shown in FIG .
  • the payment processing server 40 allows the user to perform most of the functions related to the user's financial processing requests, and the smart inter-simple control application 8 may also perform a simple signal transmission and reception role.
  • the financial processing request is made through the smart simple payment apparatus (2), but the financial processing request is made through the payment processing server (40), but the concept is the same concept, but the present invention will be described separately. do.
  • the smart easy payment device (2) has an account transfer or a specific credit therein.
  • the information of each payment means is set in association with the drag direction.
  • the smart simple payment apparatus 2 includes a pre-set account transfer or a specific credit card or point payment or a gift certificate or a coupon therein, through the financial information setting unit 12 therein.
  • a selection unit 16 and the financial information setting information input by the user are provided.
  • control unit 30 which is set in the setting unit 12 and automatically generates a payment request signal with the payment means selected through the payment means selection unit 16 together with user authentication.
  • the payment means selection unit 16 is configured to select the payment means in the direction of finger movement by analyzing the fingerprint image change state of the fingerprint sensor 4 mounted on the home button as shown in FIG. It is also possible to configure the fingerprint sensor 4 as a frame-like fingerprint sensor 6 inside the screen of the smart and simple payment device 2.
  • the financial information setting unit 12 pre-pays selection information 32a, 32b to match the corresponding direction when the user drags a finger in any direction at the same time while performing user authentication through the fingerprint sensor 4 above.
  • 32c, 32d for example, when the finger is in contact with the fingerprint sensor 4, dragging in the right direction selects 'NH automatic transfer,' payment selection information 32a is selected and moves upwards.
  • the payment selection information (32b) of 'KB credit card payment' is selected, and dragging to the left direction selects ⁇ cashback (point) payment and payment selection information (32c), and dragging downward to 'pay gift voucher'.
  • the user can set in the financial information setting section 12 so that the payment selection information 32d is selected and input the authentication and the drag signal input continuously through the fingerprint sensor 4.
  • the discount rate is larger or the order of payment is larger, and the first priority payment means is automatically selected. Can be configured.
  • the above-mentioned smart intermittent control application (8) displays all payment selection information (32b, 34) classified by the same payment method. Output to Have the user choose which payment method.
  • the smart simple control application (8) must be provided by communicating with the remote server of the card payment related information for each merchant.
  • the user may set and set specific payment selection information irrespective of its benefit, for example, as shown in FIG. 3A.
  • the direction of 'credit card payment' is set, ⁇ "credit card owned by the user is KB card, corporate credit card, Woori credit card
  • ⁇ credit card owned by the user is KB card, corporate credit card, Woori credit card
  • 'KB card is 10% discount,' 5% discount when paying with corporate credit card ',' 3% discount when paying with our credit card
  • 'said smart easy payment application You can also set your credit card to generate a resolution request signal.
  • the controller 30 may display the payment selection information selected by the user by dragging the finger through the payment means selection unit 16 on the screen.
  • the financial information setting unit 12 configured in the smart simple payment device 2 includes identification information for identifying each payment means and user authentication information registered in the financial server 42 together with the identification information. If the financial server 42 is assumed to be a Bansa server, the identification information for identifying the payment means is a credit card number or an account number.
  • the payment means automatic extraction unit 18 for automatically extracting the corresponding payment means information stored in the financial information setting unit 12 further includes
  • the payment means information is information about which card is the payment means and which card number or account number it has.
  • a financial information combination unit 22 for automatically combining user identification information, payment means information, and payment related information is further included.
  • Payment related information is information about payment amount and merchant information.
  • control unit 30 automatically generates a payment request signal to the financial server 32.
  • the information of the user registered in the financial server 42 is provided with a password or fingerprint information. Such as user authentication information.
  • the financial information setting unit 12 configured in the smart easy payment device 2 transmits the identification information for identifying each payment means and the user authentication information to the easy payment processing server 40 for various additional authentications. Can be performed at this time
  • the financial server 42 which may be a credit card company server, a bank server or a Bansa server, may be configured to receive the authentication processing result information from the simple payment processing server 40 and then perform the financial processing requested by the user.
  • the governor since user authentication is for authenticating a user's authenticity, various authentication methods for the governor can be used in the present invention, and the user authentication unit (1.4) can be used for fingerprint authentication or electronic certificate authentication or face. It can be configured to perform at least one of authentication, password authentication, pattern authentication, drag direction authentication, or user-specific registration word or sentence authentication.
  • the present invention provides the user with a finger through the payment means selection unit 16.
  • the controller 30 may display the payment selection information selected by dragging and the event information of the corresponding affiliated store on the screen.
  • the present invention is based on the user's fingerprint sensor (4)
  • the controller 30 can control the screen output so that the payment selection information set to match in the corresponding direction is output on the screen, and when the user touches the payment selection information, the payment request signal can be generated. .
  • the event information 36 can be displayed to select any of the selection information 32a, 32b, 32c, and 32d.
  • the payment means selection unit 16 selects which payment means is selected.
  • the event information display unit 20 which outputs the event information of the affiliated stores on the screen is further included in the gas mart easy payment device 2.
  • a finger may be applied to the user fingerprint sensor 4;
  • the event information 36 can be displayed on the screen together with the selection information 32a.
  • the event information 36 is information of 10% discount at the time of the merchant cash payment, and this is information that the merchant owner wants to inform the customer.
  • the smart simple payment device 2 according to the first embodiment of the present invention is merely
  • the payment means is selected through the finger drag through the fingerprint sensor 4, but also the payment means can be selected through various selection methods for the main jurisdiction.
  • the payment means selection unit 16 has a plurality of payment means information, respectively.
  • the hyperlinked payment button (not shown) may be output on the screen, and the payment means may be selected by the user selecting the payment button.
  • selecting a payment method by selecting a payment button is not an option to select a payment method following authentication, and thus, there is no additional advantage of reducing the speed and leaving no fingerprints .
  • the event information is pre-paid event information for each merchant in advance
  • the merchant wants to proceed with the event registers the event information and the merchant information in the convenience payment processing server 40, the user in the state through the smart easy payment device (2) in the state of the convenience payment processing server
  • the simple payment processing server 40 transmits the event information of the affiliated store to the smart simple payment device 2 of the user.
  • the smart simple payment device (2) may be granted a participation right to participate in a specific event if the merchant owner is composed of a coalition and the customer pays at the merchant in the merchant group.
  • a specific payment method e.g, cash payment
  • an event coupon 5% section participation ticket
  • the event coupon is a participant right of 500 won.
  • the participation coupon is classified into multiple groups such as 0 won to less than 1000 won and more than 1000 won to less than 2000 won. If coupon resources accumulate for a certain period of time, the accumulated amount can be selected and paid in a lottery or by selecting other customers.
  • the customer may obtain a cumulative amount of coupon that is larger than the payment amount.
  • the smart simple payment device (2) and the simple payment processing server (40) performs a function performed by the smart simple payment device (2) according to the first embodiment of the present invention in conjunction with It is also possible enough.
  • the user authentication information is not registered in the smart simple payment device 2, but is registered and processed in the short term payment processing server 40, and the smart simple payment device 2 inputs authentication information of the user. And only the output of the information is responsible.
  • the smart simple payment system according to the first embodiment of the present invention is
  • Smart simple control application (8) which transmits a selection signal for selecting a user's payment means and inputted authentication information to the simple payment processing server (40), receives the authentication result and payment completion information, and outputs it to the screen.
  • Smart easy payment device (2) and pre-register authentication information for each user and the smart easy
  • a simple payment processing server 40 receiving authentication information and payment request information from the payment device 2 to perform authentication processing, transmitting payment request information to the financial server 42, and notifying the processing result;
  • a financial server 42 which receives payment request information from the processing server 40 and performs the payment processing.
  • the long term payment processing server 40 is selected by each user and transmitted
  • the identification information that can identify the means, the identification information and the user authentication information are registered so that the payment processing server 40 can independently perform user authentication, and upon completion of the authentication, the user can make a payment by any payment means. You can determine if you ask.
  • the user authentication processed by the long-term payment processing server 40 may be at least one of fingerprint authentication or electronic certificate authentication or face authentication or password authentication or pattern authentication or drag direction or user-specific registration word or sentence authentication. It is configured to perform the above authentication.
  • the virtual period payment processing server 40 may further perform multiple authentications by adopting various authentication means for the main administration.
  • the short term payment processing server 40 receives the finger drag direction information of the user received from the smart easy payment device (2), It is configured to extract the payment means information corresponding to the drag direction and transmit it to the smart easy payment device (2).
  • the short term payment processing server 40 receives the user's payment request information from the smart simple payment device 2, the user identification information, the payment means information, and the payment related information are automatically transferred to the financial server (
  • the financial server 42 is configured to be able to send to 42.
  • the long-term payment processing server 40 has a specific payment means selected by the user.
  • the financial information setting unit 12 is also configured in the long-term payment processing server 40, so that each payment means is able to perform a transfer through a bank transfer, a specific credit card or point payment, or a gift certificate or a coupon. Set the information of to be synchronized with the drag direction.
  • the payment processing server 40 can carry out, the main one of the above-mentioned smart easy payment device 2 is configured.
  • the smart information is received by extracting the payment selection information selected by the user by dragging with a finger and the event information of the merchant that the user wants to pay. Send to payment device 2 to view event information or to select event information.
  • FIG. 6 is a diagram illustrating a multi-factor simple payment state using a smart easy payment device according to a second embodiment of the present invention
  • FIG. 7 is another view of using a smart simple payment device according to a second embodiment of the present invention.
  • the smart simple payment device 2 may perform simple payment through multiple authentications.
  • the smart simple payment apparatus 2 can perform a plurality of authentications to authenticate a user.
  • the plurality of authentications shown in FIG. Both the fingerprint image 44A and the crushed fingerprint image 44B are received, and when the fingerprint image 44A matches the registered user image, it is determined that the user is authenticated.
  • the drag direction information can be obtained when the fingerprint image 44B is input to the fingerprint sensor 4, and the solution selection information 32 is inputted through the direction information.
  • the application (8) determines to generate a payment request signal.
  • the user authentication unit 14 receives the user's normal fingerprint image and the smeared fingerprint image sequentially through the fingerprint sensor 4, and the fingerprint is registered only with the registered fingerprint.
  • the control unit 30 determines that the authentication is completed, and processes the payment request signal to be generated by a specific payment means set in the direction in which the fingerprint image is crushed.
  • the smart easy payment device (2) according to the second embodiment of the present invention is a multi-factor authentication, it is possible to perform fingerprint authentication and voice authentication, the voice authentication is actually the authentication date for the voice previously input by the user You can also type a word or sentence and verify that the word or sentence is entered.
  • the method of authenticating by inputting a specific word or sentence has a length of words or sentences.
  • the user authentication unit 14 determines that the user
  • the user registers a word or sentence to be authenticated in the short term payment processing server 40 for word / sentence authentication, and inputs the word or sentence through the smart simple payment device 2 at the time of authentication. Then, the short term payment processing server 40 performs user authentication by comparing the word or sentence with the corresponding word or sentence.
  • the function for performing the smart intermittent payment device 2 can be performed in the same time for the easy period payment processing server 40.
  • the simple payment processing server 40 sequentially receives the user's normal fingerprint image and the crushed fingerprint image from the smart intermittent payment device 2.
  • the fingerprint is matched with the registered fingerprint, it is judged that user authentication is completed, and the payment request signal can be processed by a specific payment means preset in the direction in which the fingerprint image is crushed.
  • FIG. 8 illustrates an individual through a smart easy payment system according to a third embodiment of the present invention.
  • the smart simple payment system sets the security level of each user in the smart simple payment device (2) or the simple payment processing server (40) by Certification through different authentication means
  • the smart easy payment system according to the third embodiment of the present invention is pre-arranged by the customer.
  • the smart intermittent payment device (2) selectively stores the authentication means according to the payment situation therein.
  • the payment information is analyzed according to the information registered in the authentication means registration unit 24 for each situation, and the user is authenticated by automatically extracting and sorting authentication means according to the payment situation.
  • An authentication means automatic alignment section 26 is further included.
  • the lifting means automatic alignment unit 26 is interlocked with the simple payment processing server 40
  • the authentication information is input to the simple payment processing server 40 so as to process the authentication.
  • the authentication means registration unit 24 for each situation is configured to perform various authentications according to the payment situation, wherein the payment situation is a small transfer, a large transfer, a small settlement, a general settlement, or a large settlement.
  • the payment situation is a small transfer, a large transfer, a small settlement, a general settlement, or a large settlement.
  • the authentication means for example, as a means for authenticating to the smart simple payment device (2), '1 drag direction authentication, 2 electronic certificate authentication (certified certificate), 3 face authentication, 4 password authentication, 5 pattern authentication (input to the smartphone)
  • the user registers the authentication means so as to match the payment situation from the registered database 46 where " pattern to be authenticated "," drag direction authentication, "
  • the short term payment processing server 40 requests the financial server 42.
  • the user may register the relevant payment status as AB level status when the large amount of payment is more than 20,000 won, and in the above-mentioned authentication means registration section 24 to perform authentication of 1, 4, 6 and 7 in the AB level status.
  • This allows the user to perform fingerprint authentication, password authentication, drag-direction authentication, and word / sentence authentication, and when the authentication is completed, the long-term payment processing server 40 processes the payment requested by the user.
  • the smart easy payment system classifies and registers the authentication means that an individual user wants to directly check the payment situation in consideration of his or her economic condition and to authenticate each classified payment situation.
  • the payment criteria for small, general, and large amounts, individuals can select and set the type or number of authentication means to enhance convenience and security at the same time.
  • the smart easy payment system according to the third embodiment of the present invention is a personal security
  • the smart person who sets up a classifier and performs its authentication
  • It may be a payment device (2), but it may also be a long-term payment processing server (40).
  • the smart intermittent payment device 2 In the case of an abnormal period simple payment processing server 40 for registering and processing authentication means for each user's payment situation, the smart intermittent payment device 2 simply inputs authentication information and outputs the processing status. In addition to the apparatus, the authentication information registration or authentication processing is actually performed by the short term settlement processing server 40. Therefore, the authentication means registration unit 24 and the authentication means automatic alignment unit 26 for each situation are also appropriate in this case.
  • the piece is configured inside the payment processing server 40.
  • the function for performing the smart intermittent payment apparatus 2 can be performed in the same time as the long term payment processing server 40.
  • the simple payment processing server 40 has a situation-specific authentication means registration unit 24 for selectively registering therein the authentication situation-specific authentication means therein; and registered in the situation-specific authentication means registration unit 24. It can be configured to further include an authentication means automatic alignment unit 26 which analyzes the payment information according to the information and automatically extracts and sorts the authentication means according to the corresponding payment situation so that the user can be authenticated.
  • FIG. 9 is a diagram illustrating an individual merchant event processing state through a smart easy payment system according to a fourth embodiment of the present invention.
  • the smart simplified payment system stores the personal image in the smart simplified payment device (2) on which the user is carrying, and the long term simplified payment processing server (40) is inversely queried. This allows you to determine whether the user is a target customer.
  • the smart easy payment device (2) is automatically stored by answering the query of the easy payment processing server 40, the first personal information that stores the personal information of the person, such as sex or age A setting unit 28a and a second personal image setting unit 28b which is stored so as to be automatically answered by a query of the simple payment processing server 40 and stores variable personal image information such as a residential area. do.
  • the first personal identification setting unit 28a is configured to store personal identification information that does not change, such as sex or birth year
  • the smart simple payment application 8 is the smart simple payment device ( 2) configured to automatically answer (No) to the question of the long-term payment processing server 40 (for example, 'Women in 20's?').
  • the second personal image setting unit 2Sb registers variable information such as a residential area and performs the same automatic answer, and is frequently stored in the second personal image setting unit 28b. It is advisable to limit the change of stored information within a certain period of time so that it cannot be changed.
  • FIG. 10 is a block diagram showing the configuration of a server for performing local restriction payment processing through the smart easy payment system according to the fifth embodiment of the present invention
  • FIG. 11 is a block diagram showing the configuration of the server.
  • Fig. 5 shows the signal flow of the smart payment system according to the fifth embodiment.
  • the smart easy payment system sets the payment location, transfer location, withdrawal location radius in advance, and performs additional authentication when a financial processing request is required at a location other than that location.
  • This system is designed to improve the convenience and safety of the system.
  • the smart simple payment device (2) uses a known means such as GPS or Wi-Fi.
  • the simple payment processing server 40 compares whether the location of the smart simple payment device 2 is currently within the registered range of the user. Can decide whether or not to process financial transactions.
  • the long-term payment processing server 40 is added when a user requests financial processing
  • a specific position range is set by the authentication means, and the setting position information comparing unit 54 for comparing with the position information received from the smart easy payment device 2; if the user's position is not the setting position, requests an additional authentication signal.
  • An additional authentication signal generator 56 is further included.
  • the periodical payment processing server 40 may further include: a financial information setting unit 12 in which payment means information according to a user's drag direction is preset; and identifying a user through user's device identification information or user authentication information. And a user authentication unit (52) for activating the payment means to perform user authentication by comparing previously registered user authentication information and input information so as to perform payment. .
  • a financial processing request signal generation unit 58 which receives the payment method selection signal and the payment request information, extracts the payment method information preset by the corresponding user, and generates the payment request signal to the financial server 42; And a control unit 30 which controls to perform the processing request signal processing and receives the financial processing signal from the financial server 42 and transmits the processing information to the smart simplified payment device 2.
  • Unexplained numerals 50 and 60 are an information receiver and an information transmitter.
  • the smart simple payment device and the system according to the embodiment of the present invention are not limited to the above-described embodiment only and do not depart from the technical gist. Various changes are possible within the scope.
  • [164] 2 smart simple payment device
  • 4 fingerprint sensor

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Abstract

본 발명은 스마트 간편 결제장치 및 그 시스템에 관한 것으로, 휴대용 단말기에 탑재된 다수의 결제수단 중 결제를 희망하는 특정 결제수단을 사용자가 손쉽게 선택할 수 있고, 서버와의 통신을 통해 자동으로 해당 가맹점에서는 어떤 신용카드 또는 계좌이체가 유리한지를 알려줌으로써 사용자 편의성을 획기적으로 향상시킬수 있는 스마트 간편 결제장치 및 그 시스템을 제공함에 그 목적이 있다.

Description

명세서
발명의명칭:스마트간편결제장치및그시스템 기술분야
[1] 본발명은스마트간편결제장치및그시스템에관한것으로，보다상세하게 휴대용단말기에탑재된다수의결제수단중결제를희망하는특정결제수단을 사용자가손쉽게선택할수있고,서버와의통신을통해자동으로해당 가맹점에서는어떤신용카드또는계좌이체가유리한지를알려줌으로써사용자 편의성을획기적으로향상시킬수있는스마트간편결제장치및그시스템에 관한것이다.
배경기술
[2] 최근정보통신기술의발달이급속하게이루어지고있으며,특히모바일통신을 중심으로대용량의고속데이터전송기술이급속하게발전되고있다.
[3] 일반적으로신용카드를통한오프라인상에서의결제는사용자의신용카드를 카드결제단말기에스캔하여신용카드식별정보를취득하는것이외에도 사용자의사인 (Sign)을입력하지만사인은형식적인입력이므로입력한사인이 등록한사인과같지않더라도결제처리가이루어진다.
[4] 따라서，신용카드를분실하는경우불법결제금액에대한피해가빈번하게 발생된다.
[5] 한편,최근에는사용자휴대용단말기의내부에장착된메모리칩에신용카드 정보를저장하고신용카드를결제하는것과동일하게접촉또는비접속방식을 통한카드결제를수행하는시스템이운영중이다.
[6] 이러한휴대용단말기에탑재된신용카드도역시,일반신용카드와동일하게 별도의 인증을수행하지않고결제가이루어진다.따라서,휴대용단말기분실시 신용카드분실시와동일한피해가발생될수있으므로유저의편의성을해치지 않으면서도간편하고안전하게결제할수있는기술개발이요구되는실정이다.
[7] 한편,휴대용단말기를통해계좌이체를수행하는모바일뱅킹
어플리케이션이최근출시되어활발하게사용중인바,이러한모바일뱅킹 시스템은단지 PC를통해수행할수있는인터넷뱅킹과동일한정보의 입력을 모바일단말기를통해서 입력한다는차이만있을뿐,인터넷뱅킹에비해유저의 편의성이더향상된것은없다.
[8] 일반적으로유저 1인은다수의신용카드를보유하고있는바,휴대용단말기 내부의 메모리칩에는다수의신용카드정보를넣을수는있지만， NFC방식으로 결제를수행할경우에는결제를수행하고자하는신용카드가다수인경우 빈번하게오류가발생하기도하고，어느한신용카드를선택할수있게시스템을 개선한다고하여도유저는추가적인신용카드선택과정을거쳐야한다는 문제가있었다. [9] 또한,신용카드선택에 있어서유저는해당가맹점에서는어떤신용카드결제 또는계좌이체가더유리한지를일일이점원에게설명을듣거나，정보를읽고 . 생각해야하므로결제를위해더많은시간을소비해야하며불필요한생각을더 해야하므로편의성이더 떨어진다는문제가있었다.
[10] 더불어 ,점원은해당고객이어떤신용카드를보유하고있는지를알지
못하므로고객이어떤신용카드를통한결제가더유리한지에대해궁금해할때 , 모든신용카드에대한혜택이나장점이 일일이설명하거나또는각신용카드별 혜택이적힌정보를고객에게읽어볼것을권유할수밖에없어서，역시동일한 문제가불가피하게발생되었다.
[1 1 ] 한편，계좌이체의경우소액의경우에는인증을소수로축소시키고，고액
이체의경우인증수단을다수개로확대하도록시스템을개선하면휴대용 모바일분실시또는해킹시，보안정보나인증정보유출시에편의성과안전성을 모두고려할수있으므로바람직하겠으나，이러한소액과고액의기준에 대해서는개인차가크다는문제가있었다.
[12] 즉,어떤사용자에게는 10만원이매우큰금액이지만，다른사용자에게는
10만원이소액에해당할수있기때문이다.
[13] 또한，대부분의사용자특히，직장인의경우에는활동반경이정해져 있지만 이러한활동반경을이용한인증을전무하다는문제가있었다.
[14] 즉,불법적으로신용카드나현금카드를습득한범죄자나보이스피싱범죄자의 경우에는현금인출이나신용카드의불법사용시다수장소를전전하면서불법 사용을행하므로해당범죄자의위치를파악해서검거율을높이기는
블가능하였다.
발명의상세한설명
기술적과제
[15] 본발명은상기한종래기술의사정을감안하여 이루어진것으로,휴대용
단말기에탑재된다수의결제수단중결제를희망하는특정결제수단을 사용자가손쉽게선택할수있고，서버와의통신을통해자동으로해당 가맹점에서는어떤신용카드또는계좌이체가유리한지를알려줌으로써사용자 편의성을획기적으로향상시킬수있는스마트간편결제장치및그시스템을 제공함에그목적이 있다.
[16] 본발명의다른목적은고객이미리신용카드결제와계좌이체시처리금액에 연동하여인증수단을설정하고，신용카드결제나계좌이체나출금시자동으로 처리금액에연동한인증을수행하도록진행되는스마트간편결제장치및그 시스템을제공함에있다.
[17] 본발명의다른목적은결제위치나이체위치,출금위치반경을고객이미리 설정하고해당위치이외의위치에서의금융처리요구시추가인증을수행할수 있도록함으로써편의성과안전성을향상시킨스마트간편결제장치및그 시스템을제공함에 있다.
과제해결수단
[ 8] 상기한목적을달성하기위해，본발명의바람직한실시예에따르면계좌이체 또는특정신용카드또는포인트결제또는상품권이나쿠폰을통한결제를 수행할수있게각결제수단의정보를드래그방향과연동하여설정한금융정보 설정부 (12)와;상기결제수단을활성화시켜결제를수행할수있도록기등록된 사용자인증정보와입력하는입력정보를비교하여사용자인증을수행하는 사용자인증부 (14)와;상기금융정보설정부 (12)를통해미리설정된계좌이체 또는특정신용카드또는포인트결제또는상품권이나쿠폰과같은결제수단을 선택하기위해사용자의드래그방향을감지하여결제수단선택신호를 발생시키는결제수단선택부 (16)와;사용자가입력한금융정보설정정보를상기 금융정보설정부 (12)에등록하고,사용자인증과함께결제수단선택부 (16)를 통해선택된결제수단으로결제요청신호를자동으로발생시키는제어부 (30)를 포함하여구성된것을특징으로하는스마트간편결제장치가제공된다.
[19] 바람직하게,상기결제수단선택부 (16)는홈버튼에장착된지문센서 (4)의지문 이미지변경상태를분석하여손가락의 이동방향으로결제수단을선택하게 구성된것을특징으로하는스마트간편결제장치가제공된다.
[20] 바람직하게,상기금융정보설정부 (12)는각결제수단을식별할수있는
식별정보와，해당식별정보와함께금융서버 (42)에등록된사용자인증정보가 자동전송가능하게등록된것을특징으로하는스마트간편결제장치가 제공된다.
[21] 바람직하게，상기사용자인증부 (14)는지문인증또는전자인증서인증또는 안면인증또는비밀번호인증또는패턴인증또는드래그방향인증또는 유저별기등록단어나문장인증중적어도하나이상의인증을수행하도록 구성된것을특징으로하는스마트간편결제장치가제공된다.
[22] 바람직하게 ,상기결제수단선택부 (16)를통해사용자가손가락으로
드래그하여선택한결제선택정보를제어부 (30)가화면에디스플레이하는것을 특징으로하는스마트간편결제장치가제공된다.
[23] 바람직하게 ,상기결제수단선택부 (16)를통해사용자가손가락으로
드래그하여선택한결제선택정보와，해당가맹점의이벤트정보를제어부 (30)가 화면에디스플레이하는것을특징으로하는스마트간편결제장치가제공된다.
[24] 바람직하게,상기결제수단선택부 (16)에서특정결제수단을선택하면,상기 금융정보설정부 (12)에저장된해당결제수단정보를자동으로추출하는 결제수단자동추출부 (18)가더포함되어구성된것을특징으로하는스마트 간편결제장치가제공된다.
[25] 바람직하게，상기결제수단선택부 (16)를통해어느결제수단이선택되건，해당 가맹점의이벤트정보를화면에출력하는이벤트정보표시부 (20)가더포함된 것을특징으로하는스마트간편결제장치가제공된디-.
[26] 바람직하게，상기 결제수단선택부 (16)를통해특정 결제수단이선택되면, 사용자식별정보와결제수단정보,결제관련정보를자동으로조합하는 금융정보조합부 (22)가더포함되어구성된것을특징으로ᅵ하는스마트간편 결제장치가제공된다.
[27] 바람직하게，상기결제수단선택부 (16)를통해선택된특정결제수단이
다수개인경우,할인율이더크거나또는적립율이더큰결제수단순으로자동 정렬되고, 1순위 결제수단이자동으로선택되게구성된것을특징으로하는 스마트간편결제장치가제공된다.
[28] 바람직하게,상기결제수단선택부 (16)는다수의결제수단정보가각각
하이퍼링크된결제버튼이화면상에출력된것을특징으로하는스마트간편 결제장치가제공된다.
[29] 바람직하게，지문인증인경우,상기사용자인증부 (14)가지문센서 (4)를통해 사용자의정상적인지문이미지와，뭉개진지문이미지를순차적으로수신하고 지문이기등록지문과일치해야만사용자인증이완료된것으로제어부 (30)가 판단하며,지문이미지가뭉개진방향에설정된특정결제수단으로결제 요청신호가발생되게처리하게된것을특징으로하는스마트간편결제장치가 제공된다.
[30] 바람직히 -게，단어 /문장인증인경우，상기사용자인증부 (14)는사용자가
기등록한단어나문장에대해입력되는지를판단하는것을특징으로하는 스마트간편결제장치가제공된다.
[31] 바람직하게，결제상황별인증수단을선택적으로등록하는상황별인증수단 등록부 (24)와;상기상황별인증수단등록부 (24)에등록된정보에따라결제 정보를분석하고해당결제상황에따른인증수단을자동으로추출및정렬하여 사용자가인증받을수있게하는인증수단자동정렬부 (26)가더포함된것을 특징으로하는스마트간편결제장치가제공된다.
[32] 바람직하게，간편결제처리서버 (40)의질의에의해자동응답할수있게
저장되고,성별이나연령대와같이불변하는개인신상정보를저장하는제 1 개인신상설정부 (28a)와;간편결제처리서버 (40)의질의에의해자동응답할수 있게저장되고，거주지역과같이 변동가능한개인신상정보를저장하는제 2 개인신상설정부 (28b)를더포함하여구성된것을특징으로하는스마트간편 결제장치가제공된다.
[33] 바람직하게，상기이벤트정보는미리가맹점별이벤트정보가간편결제
처리서버 (40)에둥록된상태에서사용자의결제요청신호에대응하여상기간편 결제처리서버 (40)로부터제공받아화면출력되는해당결제대상가맹점의 이벤트정보인것을특징으로하는스마트간편결제장치가제공된다.
[34] 바람직하게，상기결제선택정보는그선택시상기제어부 (30)가자동으로결제 요청신호를금융서버 (32)로발생하는것을특징으로하는스마트간편 결제장치가제공된다.
[35] 바람직하게,상기금융정보조합부 (22)는사용자의현재위치정보를자동으로 추출해서조합하는것을특징으로하는스마트간편결제장치가제공된다.
[36] 바람직하게，상기 결제상황이란소액이체또는고액이체또는소액결제시 또는일반결제시또는고액결제시중어느하나인것을특징으로하는스마트 간편결제장치가제공된다.
[37] 바람직하게 ,상기인증수단자동정렬부 (26)는간편결제처리서버 (40)와
연동되어 인증을처리하게간편결제처리서버 (40)로인증정보를입력하여 전송하게된것을특징으로하는스마트간편결제장치가제공된다.
[38] 바람직하게,상기제 2개인신상설정부 (28b)는그저장정보의 변경을일정 주기 이내에는불가하게제한된것을특징으로하는스마트간편결제장치가 제공된다.
[39] 한편，본발명은사용자의결제수단선택에대한선택신호와입력한
인증정보를간편결제처리서버 (40)로전송하고,그에 대한인중결과및결제 완료정보를수신받아화면에출력하는스마트간편결제어플리케이션 (8)이 탑재된스마트간편결제장치 (2)와;사용자별인증정보를미리등록하고상기 스마트간편결제장치 (2)로부터인중정보및결제요청정보를수신받아인증 처리를수행하고금융서버 (42)로결제요청정보를전송하며그처리결과를 통보하는간편결제처리서버 (40)와;상기간편결제처리서버 (40)로부터결제 요청정보를수신받아결제처리를수행하는금융서버 (42)를포함하여구성된 것을특징으로하는스마트간편결제시스템이제공된다.
[40] 바람직하게，상기간편결제처리서버 (40)는사용자별드래그방향에따른 결제수단정보가미리설정된금융정보설정부 (12)와;유저의장치식별정보 또는유저 인증정보를통해유저를식별하기위한유저식별부 (52)와;상기 결제수단을활성화시켜결제를수행할수있도록기등록된사용자인증정보와 입력하는입력정보를비교하여사용자인증을수행하는사용자인증부 (14)와; 상기스마트간편결제장치 (2)로부터결제수단선택신호및결제요청정보를 수신받아해당사용자가미리설정한결제수단정보를추출하고결제요청 신호롤금융서버 (42)로발생하는금융처리요청신호발생부 (58)와;사용자인증 및금융처리요청신호처리를수행하도록제어하고,상기금융서버 (42)로부터 금융처리신호를수신받고상기스마트간편결제장치 (2)로처리정보를 전송하는제어부 (30)를포함하여구성된것을특징으로하는스마트간편 결제시스템이제공된다.
[41] 바람직하게,상기간편결제처리서버 (40)는사용자가선택하여 전송한각결제 수단을식별할수있는식별정보와,해당식별정보와사용자인증정보가등록된 것을특징으로하는스마트간편결제시스템이제공된다.
[42] 바람직하게，상기간편결제처리서버 (40)에서처리하는사용자인증은
지문인증또는전자인증서 인증또는안면인증또는비밀번호인증또는패턴 인증또는드래그방향인증또는유저별기등록단어나문장인증증적어도 하나이상의 인증을수행하도록구성된것을특징으로하는스마트간편 결제시스템이제공된다.
[43] 바람직하게,상기간편결제처리서버 (40)는상기스마트간편
결제장치 (2)로부터수신된사용자의손가락드래그방향정보를수신하고，그 드래그방향에해당하는결제수단정보를추출하여상기스마트간편 결제장치 (2)로전송하게구성된것을특징으로하는스마트간편결제시스템이 제공된다.
[44] 바람직하게，상기간편결제처리서버 (40)는상기스마트간편
결제장치 (2)로부터수신되며，사용자가손가락으로드래그하여선택한결제선택 정보와,해당사용자가결제하고자하는가맹점의 이벤트정보를추출하여상기 스마트간편결제장치 (2)로전송하게된것을특징으로하는스마트간편 결제시스템이제공된다.
[45] 바람직하게，상기간편결제처리서버 (40)는상기스마트간편
결제장치 (2)로부터사용자의 결제요청정보를수신하면,사용자식별정보와 결제수단정보，결제관련정보를자동으로금융서버 (42)로전송하게구성된 것을특징으로하는스마트간편결제시스템이제공된다.
[46] 바람직하게，상기간편결제처리서버 (40)는사용자가선택한특정결제수단이 다수개인경우，할인율이더크거나또는적립율이더큰결제수단순으로자동 정렬되고, 1순위결제수단을상기스마트간편결제장치 (2)로전송하게구성된 것을특징으로하는스마트간편결제시스템이제공된다.
[47] 바람직하게，상기간편결제처리서버 (40)는사용자진위를인증하기위한 수단이지문인증인경우,상기스마트간편결제장치 (2)로부터사용자의 정상적인지문이미지와,뭉개진지문이미지를순차적으로수신하고지문이 기둥록지문과일치해야만사용자인증이완료된것으로판단하며，지문 이미지가뭉개진방향에미리설정된특정결제수단으로결제요청신호가 발생되게처리하게구성된것을특징으로하는스마트간편결제시스템이 제공된다.
[48] 바람직하게，상기간편결제처리서버 (40)는그내부에，결제상황별
인증수단을선택적으로등록하는상황별인증수단등록부 (24)와;상기상황별 인증수단등록부 (24)에등록된정보에따라결제정보를분석하고해당결제 상황에따른인증수단을자동으로추출및정렬하여사용자가인증받을수있게 하는인증수단자동정렬부 (26)가더포함된것을특징으로하는스마트간편 결제시스템이제공된다.
[49] 바람직하게 ,상기간편결제처리서버 (40)는사용자가금융처리요청시추가 인증수단으로특정위치범위를설정하고，스마트간편결제장치 (2)로부터 수신된위치정보와비교하는설정위치정보비교부 (54)와;사용자의위치가설정 위치가아닌경우,추가인증신호를요청하는추가인증신호발생부 (56)가더 포함된것을특징으로하는스마트간편결제시스템이 제공된다.
[50] 바람직하게，상기금융정보설정부 (12)는계좌이체또는특정신용카드또는 포인트결제또는상품권이나쿠폰을통한결제를수행할수있게각결제수단의 정보를드래그방향과연동되게설정하는수단인것을특징으로하는스마트 간편결제시스템이제공된다.
[51] 바람직하게，상기결제상황이란소액이체또는고액이체또는소액결제시 또는일반결제시또는고액결제시중어느하나인것을특징으로하는스마트 간편결제시스템이제공된다.
발명의효과
[52] 본발명에따른스마트간편결제장치 및그시스템은휴대용단말장치인 스마트간편결제장치에대해사용자인증신호를입력함과동시에이어서 다양한결제수단중특정결제수단을선택할수있으므로편의성이높으면서도 보안성이강화된장점이 있으며 ,서버와어플리케이션간통신을통해해당 가맹점에서는어떤결제수단을통한결제가유리한지를자동으로사용자에게 알려주므로편의성이높고경제적으로유리하며，결제소요시간이단축된다는 장점이 있다.또한，금융처리요청시사용자가처리금액에연동하여미리 인증수단의종류와개수를설정함으로써소액인경우더간단하고작은개수의 인증처리를수행하게하고，고액인경우더복잡하고더많은개수의인증을 처리토록하여편의성과안전성을향상시킨장점이 있다.또,결제나이체, 출금시특정위치범위를벗어난지역에서는추가인증을수행하도록함으로써 편의성과안전성을향상시킨장점이 있다.
도면의간단한설명
[53] 도 1은본발명의제 1실시예에따른스마트간편결제장치의개략적구성을 도시한도면,
[54] 도 2는본발명의제 1실시예에따른스마트간편결제장치의회로구성을 도시한블록구성도，
[55] 도 3a, 3b는본발명의제 1실시예에따른스마트간편결제장치를통한인증과 드래그방향에따른결제선택정보출력상태를도시한도면,
[56] 도 4는본발명의 제 1실시예에따른스마트간편결제장치를통한인증과 드래그방향에따른결제선택정보및이벤트정보의출력상태를도시한도면, [57] 도 5는본발명의제 1실시예에따른스마트간편결제시스템을통한가맹점 이벤트처리상태를도시한도면,
[58] 도 6은본발명의제 2실시예에따른스마트간편결제장치를이용한복수인증 간편결제상태를도시한도면，
[59] 도 7은본발명의제 2실시예에따른스마트간편결제장치를이용한또다른 복수인증간편결제상태를도시한도면，
[60] 도 8은본발명의제 3실시예에따른스마트간편결제시스템을통한개인 보안등급자가설정상태를도시한도면,
[61] 도 9는본발명의 제 4실시예에따른스마트간편결제시스템을통한개별
가맹점 이벤트처리상태를도시한도면,
[62] 도 10은본발명의제 5실시예에따른스마트간편결제시스템을통한지역 제한결제처리를수행하는서버의구성을도시한불록구성도,
[63] 도 U은본발명의제 5실시예에따른스마트간편결제시스템의신호흐름을 도시한도면이다.
발명의실시를위한최선의 형태
[64] 이하，본발명의제 1실시예에 대해도면을참조하여상세하게설명한다.
[65] 도 1은본발명의제 1실시예에따른스마트간편결제장치의개략적구성을 도시한도면,도 2는본발명의 제 1실시예에따른스마트간편결제장치의회로 구성을도시한블록구성도，도 3a, 3b는본발명의제 1실시예에따른스마트간편 결제장치를통한인증과드래그방향에따른결제선택정보출력상태를도시한 도면，도 4는본발명의제 1실시예에따른스마트간편결제장치를통한인증과 드래그방향에따른결제선택정보및이벤트정보의출력상태를도시한도면, 도 5는본발명의제 1실시예에따른스마트간편결제시스템을통한가맹점 이벤트처리상태를도시한도면이다.
[66] 이를참조하면 ,본발명의제 1실시예에따른스마트간편결제장치 (2)는
휴대용단말기에탑재된다수의결제수단증결제를희망하는특정결제수단을 사용자가손쉽게선랙할수있고,인증과연결하여결제수단을선택케함으로써 보다손쉽게결제수단선택과인증정보입력을모두수행할수있게하고, 서버와의통신을통해자동으로해당가맹점에서는어떤신용카드또는 계좌이체가유리한지를알려줌으로써사용자편의성을획기적으로향상시킬수 있는장치이다.
[67] 본발명의제 1실시예에따른스마트간편결제장치 (2)는내부에탑재된스마트 간편결제어플리케이션 (8)을통해결제나이체등의금융처리요청에관련된 대부분의기능을수행하게할수도있으며，또는도 5에도시된간편.결제 처리서버 (40)롤통해사용자의금융처리요청에관련된대부분의기능을 수행하게하고,상기스마트간편결제어플리케이션 (8)은단순한신호송수신 역할을수행하게할수도있다.
[68] 상기스마트간편결제장치 (2)를통해금융처리요청을수행하나，상기간편 결제처리서버 (40)를통해금융처리요청을수행하나개념은동일한개념이지만, 본발명에서는각각구분해서설명하기로한다.
[69] 먼저 ,상기스마트간편결제장치 (2)를통해금융처리요청을수행하는구성을 설명한다.본발명의제 1실시예에따른스마트간편결제장치 (2)는그내부에 계좌이체또는특정신용카드또는포인트결제또는상품권이나쿠폰을통한 결제를수행할수있게각결제수단의정보를드래그방향과연동하여설정한 금융정보설정부 ( 12)와;상기 결제수단을활성화시켜 결제를수행할수있도록 기등록된사용자인증정보와입력하는입력정보를비교하여사용자인증을 수행하는사용자인증부 (14)를포함하여구성된다.
[70] 또한，본발명의제 1실시예에따른스마트간편결제장치 (2)는그내부에상기 금융정보설정부 (12)를통해미리설정된계좌이체또는특정신용카드또는 포인트결제또는상품권이나쿠폰과같은결제수단을선택하기위해사용자의 드래그방향을감지하여 결제수단선택신호를발생시키는결제수단
선택부 (16)와;사용자가입력한금융정보설정정보를상기금융정보
설정부 (12)에둥록하고,사용자인증과함께결제수단선택부 (16)를통해선택된 결제수단으로결제요청신호를자동으로발생시키는제어부 (30)를포함하여 구성된다.
[71] 이때,상기결제수단선택부 (16)는도 1에도시된바와같이홈버튼에장착된 지문센서 (4)의지문이미지변경상태를분석하여손가락의이동방향으로 결제수단을선택하게구성할수도있지만，지문센서 (4)를스마트간편 결제장치 (2)의화면내부에 액자형상의지문센서 (6)로구성하는것도가능하다.
[72] 상기금융정보설정부 (12)는사용자가미리상기지문센서 (4)를통해사용자 인증을수행하면서동시에어느한방향으로손가락을드래그하면해당방향에 매칭되게미리결제선택정보 (32a,32b,32c,32d)를설정하기위한구성으로, 예컨대상기지문센서 (4)에손가락을접촉한상태에서，오른쪽방향으로 드래그하면 'NH계좌자동이체，라는결제선택정보 (32a)가선택되고,위쪽 방향으로드래그하면 'KB신용카드결제'라는결제선택정보 (32b)가선택되며, 왼쪽방향으로드래그하면 ΌΚ캐쉬백 (포인트)결제，라는결제선택정보 (32c)가 선택되고，아래쪽방향으로드래그하면 '상품권결제'라는결제선택정보 (32d)가 선택되게사용자가상기금융정보설정부 (12)에설정하고지문센서 (4)를통해 인증과드래그신호입력을연속하여입력할수있다.
[73] 이때，상기결제수단선택부 (16)를통해선택된특정결제수단이다수개인 경우，할인율이더크거나또는적립율이더큰결제수단순으로자동정렬되.고, 1순위결제수단이자동으로선택되게구성할수있다.
[74] 하지만，동일한결제수단으로분류된결제수단이다수개이지만,어느
결제수단으로결제하는것이더큰혜택인지설정할수없는경우，예컨대 10% 할인과무이자 6개월은어느결제가더사용자에게혜택이큰지를상기스마트 간편결제어폴리케이션 (8)에설정하기가어렵고，결제시점시사용자의 재정상태에따라또는결제시점까지의누적된결제금액에따라서사용자의 선택이달라질수있다.
[75] 따라서，동일한결제수단으로분류된결제수단이다수개이지만，어느
결제수단으로결제하는것이더큰혜택인지자동으로설정하지않은경우에는 도 3b에도시된바와같이，상기스마트간편결제어플리케이션 (8)이동일한 결제수단으로분류된모든결제선택정보 (32b, 34)를화면에출력시키고， 사용자가어느한결제수단을선택하도록한다.
[76] 반면，동일한결제수단으로분류된결제수단이다수개이지만,어느
결제수단으로결제하는것이더큰혜택인지가명확한경우,예컨대도 3a에 도시된바와같이사용자가지문센서 (4)에 접촉된손가락을위쪽방향으로 드래그하면 '신용카드결제，가설정된방향이고,사용자가보유한신용카드가 KB카드와，기업신용카드，우리신용카드라고가정하고，해당가맹점에서 결제시 'KB카드는 U)%할인，， '기업신용카드로결제시 5%할인', '우리 신용카드로결제시 3%할인'이라면,상기스마트간편결제어플리케이션 (8)은 KB카드를통한결제요청신호가발생되게처리한다.
[77] 이를위해，상기스마트간편결제어플리케이션 (8)은각가맹점별카드결제 관련정보를원격의서버와통신하여제공받아야한다.
[78] 한편,본발명의제 1실시예에따른스마트간편결제장치 (2)를통해사용자는 , 특정결제선택정보를그혜택여부와무관하게고정하여설정할수도있는바, 예컨대도 3a에도시된바와같이사용자가지문센서 (4)에접촉된손가락을위쪽 방향으로드래그하면 '신용카드결제'가설정된방향이고， ^"용자가보유한 신용카드가 KB카드와，기업신용카드,우리신용카드라고가정하고,해당 가맹점에서결제시 'KB카드는 10%할인，， '기업신용카드로결제시 5%할인'， '우리신용카드로결제시 3%할인，이라고할지라도，상기스마트간편결제 어플리케이션 (8)이우리신용카드를통해결제요청신호가발생되게설정할 수도있다.
[79] 이때,상기 결제수단선택부 (16)를통해사용자가손가락으로드래그하여 선택한결제선택정보를제어부 (30)가화면에디스플레이할수있다.
[80] 한편,상기스마트간편결제장치 (2)에구성된상기금융정보설정부 (12)는각 결제수단을식별할수있는식별정보와，해당식별정보와함께금융서버 (42)에 등록된사용자인증정보가자동전송가능하게등록된바，금융서버 (42)가밴사 서버라고가정한다면결제수단을식별할수있는식별정보는신용카드번호나 계좌번호이다.
[81] 즉,상기 결제수단선택부 (16)에서특정결제수단을선택하면,상기금융정보 설정부 (12)에 저장된해당결제수단정보를자동으로추출하는결제수단자동 추출부 (18)가더포함되어구성된바，해당결제수단정보는결제수단이어떤 카드인지，어떤카드번호나계좌번호를갖는지에대한정보이다.
[82] 또한，상기결제수단선택부 (16)를통해특정결제수단이선택되면,사용자 식별정보와결제수단정보,결제관련정보를자동으로조합하는금융정보 조합부 (22)가더포함되어구성된바,결제관련정보는결제금액과가맹점 정보에대한정보이다.
[83] 상기결제선택정보는그선택시상기제어부 (30)가자동으로결제요청신호를 금융서버 (32)로발생한다.
[84] 그리고，금융서버 (42)에등록된사용자인중정보는비밀번호나지문정보등과 같은사용자인증정보이디-.
[85] 또한,상기스마트간편결제장치 (2)에구성된상기금융정보설정부 (12)는각 결제수단을식별할수있는식별정보와,사용자인증정보를간편결제 처리서버 (40)로전송하여다양한추가인증을수행할수있는바,이때
신용카드사서버또는은행서버또는밴사서버일수있는상기금융서버 (42)는 간편결제처리서버 (40)로부터의인증처리결과정보를수신한다음에 비로소 사용자가요청한금융처리를수행하도록구성할수있다.
[86] 한편,사용자인증이란사용자의진위를판단하기위한인증이므로,다양한 주지관용의인증방식을본발명에서는적용하여사용할수있는바，상기 사용자인증부 (1.4)는지문인증또는전자인증서인증또는안면인증또는 비밀번호인증또는패턴인증또는드래그방향인증또는유저별기등록 단어나문장인증중적어도하나이상의 인증을수행하도록구성할수있다.
[87] 한편,본발명은상기결제수단선택부 (16)를통해사용자가손가락으로
드래그하여선택한결제선택정보와，해당가맹점의 이벤트정보를제어부 (30)가 화면에디스플레이할수있다.
[88] 즉,본발명은사용자가지문센서 (4)에손가락을접촉한상태에서어느한
방향으로손가락을드래그하면해당방향에미리매칭되게설정된결제 선택정보가화면에출력되도록제어부 (30)가화면출력을제어할수있으며， 사용자가해당결제선택정보를터치하면결제요청신호가발생되게할수있다.
[89] 또한,본발명의제】실시예에따른스마트간편결제장치 (2)는결제
선택정보 (32a,32b,32c,32d)중어느한결제선택정보 (예컨대, 32a)를선텍할수 있도록이벤트정보 (36)를표시할수있는바,상기결제수단선택부 (16)를통해 어느결제수단이선택되건,해당가맹점의 이벤트정보를화면에출력하는 이벤트정보표시부 (20)가스마트간편결제장치 (2)에더포함되어구성된다.
[90] 예컨대，도 4에도시된바와같이사용자가지문센서 (4)에대해손가락을
드래그하는방향에무관하게,특정 이벤트정보 (36)를함께결제
선택정보 (32a)와함께화면출력할수있는바,예컨대그이벤트정보 (36)는 'ΟΟ 가맹점현금결제시 10%할인'이라는정보이고，가맹점주가고객에게알리고 싶은정보가이에해당한다.
[ 1] 한편,본발명의제 1실시예에따른스마트간편결제장치 (2)는단지
지문센서 (4)를통한손가락드래그를통해서만결제수단이선택되는것이 아니고,다양한주지관용의선택방식을통해서도결제수단을선택할수있다.
[92] 예컨대,상기결제수단선택부 (16)는다수의결제수단정보가각각
하이퍼링크된결제버튼 (미도시)이화면상에출력되게하고,그결제버튼을 사용자가선택함으로써결제수단이선택되게할수도있다.
[93] 다만,지문센서 (4)에지문을입력하면서결제수단을손가락드래그로
선택하는것은인증에연결하여빠르게결제수단을선택할수있다는장점도 있겠지만,드래그로인해지문센서 (4)에사용자의지문이남지않게된다는 추가적인장점이 있디-.
[94] 하지만，결제버튼을선택하여결제수단을정하는것은인증에이어서결제 수단을선택할수있는것이아니라서,신속성이떨어지고지문을남지않게하는 추가적인장점도없다.
[95] 이때,상기이밴트정보는미리가맹점별이벤트정보가간편결제
처리서버 (40)에등록된상태에서사용자의결제요청신호에 대응하여상기간편 결제처리서버 (40)로부터제공받아화면출력되는해당결제대상가맹점의 이벤트정보인것이다.
[96] 즉，이벤트를진행하고자하는가맹점주는상기간편결제처리서버 (40)에 이벤트정보와가맹점정보를등록하고，그상태에서사용자가상기스마트간편 결제장치 (2)를통해상기간편결제처리서버 (40)에 결제요청신호를발생시키면 상기간편결제처리서버 (40)가해당사용자의스마트간편결제장치 (2)로해당 가맹점의이벤트정보를전송한다.
[97] 한편,본발명의제 1실시예에따른스마트간편결제장치 (2)는가맹점주가 연합으로구성되고해당가맹점군내의가맹점에서고객이 결제하면특정 이벤트에참여할수있는참여권이부여될수있는바，도 5에도시된바와같이 특정 결제수단 (예컨대，현금결제)으로특정가맹점에서결제하면이벤트 쿠폰 (5%구간참여권)을제공받을수있다.
[98] 예컨대, 1만원을결제하게되면,이벤트쿠폰은 500원구간의참여권인바， 예컨대,참여구간이 0원부터 1000원미만과， 1000원이상부터 2000원미만과 같은다수그룹으로분류되고,일정시간동안쿠폰재원이누적되면，그누적 금액을추첨이나，기타고객을선별하는방식으로선별하여지급할수있다.
[99] 그러면,고객은결제금액보다더큰쿠폰누적금액을획득할수있다는
기대감으로인해해당가맹점매출을증가시키는것은물론이고,특정 결제수단 (예，현금결제)의결제를통해카드수수료와같은가맹점주의추가 부담금이감소될수있게할수있다.
[100] 한편,본발명의제 1실시예에따른스마트간편결제장치 (2)에서주체적으로 수행한기능을상기스마트간편결제장치 (2)와，간편결제처리서버 (40)가 연동하여수행하는것도충분히가능하다.
[101] 이 경우에는사용자인증정보를상기스마트간편결제장치 (2)에등록하지 않고，상기간편결제처리서버 (40)에등록하여처리하고,스마트간편 결제장치 (2)는사용자의인증정보입력과그결과정보에대한출력만담당하게 된다.
[102] 보다상세하게，본발명의제 1실시예에따른스마트간편결제시스템은
사용자의결제수단선택에대한선택신호와입력한인증정보를간편결제 처리서버 (40)로전송하고，그에대한인증결과및결제완료정보를수신받아 화면에출력하는스마트간편결제어플리케이션 (8)이탑재된스마트간편 결제장치 (2)와;사용자별인증정보를미리등록하고상기스마트간편 결제장치 (2)로부터 인증정보및 결제요청정보를수신받아인증처리를 수행하고금융서버 (42)로결제요청정보를전송하며그처리결과를통보하는 간편결제처리서버 (40)와;상기간편결제처리서버 (40)로부터결제요청정보를 수신받아결제처리를수행하는금융서버 (42)를포함하여구성된다.
[103] 이때,상기간편결제처리서버 (40)는사용자가선택하여전송한각결제
수단을식별할수있는식별정보와，해당식별정보와사용자인증정보가 등록되어져 있어서상기간편결제처리서버 (40)가주체적으로사용자인증을 수행할수있게되고,그인증완료시해당사용자가어떤결제수단으로결제를 요청하는지를판단할수있게된다.
[ 104] 또한,상기간편결제처리서버 (40)에서처리하는사용자인증은지문인증또는 전자인증서 인증또는안면인증또는비밀번호인증또는패턴인증또는 드래그방향인중또는유저별기등록단어나문장인증중적어도하나이상의 인증을수행하도록구성된다.
[105] 이외에도상기간편결제처리서버 (40)는주지관용의다양한인증수단을더 채택하여복수인증을진행할수도있다.
[106] 이때,상기스마트간편결제장치 (2)가수행했던기능과동일하게，상기간편 결제처리서버 (40)는상기스마트간편결제장치 (2)로부터수신된사용자의 손가락드래그방향정보를수신하고，그드래그방향에해당하는결제수단 정보를추출하여상기스마트간편결제장치 (2)로전송하게구성된다.
[107] 즉，상기간편결제처리서버 (40)는상기스마트간편결제장치 (2)로부터
수신된사용자의손가락드래그방향정보를수신하여어떤결제수단으로 결제해달라는요청인지를파악할수있다.
[108] 그로인해，상기간편결제처리서버 (40)는상기스마트간편결제장치 (2)로부터 사용자의결제요청정보를수신하면,사용자식별정보와결제수단정보，결제 관련정보를자동으로금융서버 (42)로전송할수있게금융서버 (42)가구성된다.
[109] 또한，상기간편결제처리서버 (40)는사용자가선택한특정결제수단이
다수개인경우,할인율이더크거나또는적립율이더큰결제수단순으로자동 정렬되고， 1순위결제수단을상기스마트간편결제장치 (2)로전송하게 구성되며,
[1 10] 한편,상기금융정보설정부 (12)는상기간편결제처리서버 (40)에도구성되어, 계좌이체또는특정신용카드또는포인트결제또는상품권이나쿠폰을통한 결제를수행할수있게각결제수단의 정보를드래그방향과연동되게설정한다.
[11 1] 즉,상기스마트간편결제장치 (2)와동일한기능을상기간편
결제처리서버 (40)가수행할수있으므로,상기스마트간편결제장치 (2)의주요 .구성이상기간편결제처리서버 (40)에구성됨은마땅할것이다.
[1 12] 또한，상기간편결제처리서버 (40)는상기스마트간편결제장치 (2)로부터
수신되며,사용자가손가락으로드래그하여선택한결제선택정보와，해당 사용자가결제하고자하는가맹점의이벤트정보를추출하여상기스마트간편 결제장치 (2)로전송하여,이벤트정보를열람하거나이벤트정보를선택하게 한다.
[1 13] 이하,본발명의제 2실시예에대해도면을참조하여상세하게설명한다.
[1 14] 도 6은본발명의제 2실시예에따른스마트간편결제장치를이용한복수인증 간편결제상태를도시한도면,도 7은본발명의제 2실시예에따른스마트간편 결제장치를이용한또다른복수인증간편결제상태를도시한도면이다.
[1 15] 이를참조하면,본발명의제 2실시예에따른스마트간편결제장치 (2)는복수 인증을통한간편결제를수행할수도있다.
[1 16] 예컨대,본발명의제 2실시예에따른스마트간편결제장치 (2)는복수인증을 수행하여사용자를인증할수있는바,도 6에도시된복수인증은지문센서 (4)를 통해사용자의지문이미지 (44A)와,뭉개진지문이미지 (44B)가모두수신되고, 그지문이미지 (44A)가기등록된사용자이미지와일치할때사용자가인증된 것으로판단한다.
[1 17] 동시에，상기뭉개진지문이미지 (44B)가지문센서 (4)에입력될때드래그 방향정보를획득할수있는바,그방향정보를통해결제선택정보 (32)의 입력을 수행한다.
[1 18] 사용자가상기지문센서 (4)에지문을입력하고그지문이미지를뭉개지게 함으로써지문센서 (4)에지문흔적이남아있지않게하기위해서는일정한 방향으로지문이뭉개지게드래그하여야하나,그드래그방향으로결제수단을 선택할수있게할수있기때문에,사용자가오른쪽으로드래그하면
'현대카드'로결제함으로사용자가선텍한것으로스마트간편결제
어플리케이션 (8)이판단하여결제요청신호를발생시킨다.
[119] 보다상세하게,지문인증인경우，상기사용자인증부 (14)가지문센서 (4)를 통해사용자의정상적인지문이미지와,뭉개진지문이미지를순차적으로 수신하고지문이기등록지문과일치해야만사용자인증이완료된것으로 제어부 (30)가판단하며，지문이미지가뭉개진방향에설정된특정결제수단으로 결제요청신호가발생되게처리한다.
[120] 한편,본발명의제 2실시예에따른스마트간편결제장치 (2)는복수인증으로, 지문인증과음성인증을수행할수있는바,음성인증은실제로사용자가미리 입력한음성에대한인증일수도있지만，특정단어나문장을입력하고해당 단어나문장이 입력되는지를인증하는것도가능하다.
[121] 특정단어나문장의 입력여부로인증하는방식은단어나문장의길이가
정해져 있는것이아니므로사용자에대해더큰인증효과를기대할수있다.
[122] 예컨대，인증을위한단어나문장정보 (44C)로 '로봇태권브이'를등록하거나 또는 '내친구는슈퍼맨이다.，를등록한경우,숫자로비밀번호를등록하는 것보다더큰인증효과를기대할수있다.
[123] 이를위해，단어 /문장인증인경우，상기사용자인증부 (14)는사용자가
기등록한단어나문장에대해입력되는지를판단한다. [124] 한편，상기사용자인증부 (14)는상기스마트간편결제장치 (2)내에
구성되지만，상기간편결제처리서버 (40)내에구성되는것도충분히가능하다. 즉,이경우사용자는단어 /문장인증을위해상기간편결제처리서버 (40)에 인증하고자하는단어또는문장을등록하고，인증시상기스마트간편 결제장치 (2)를통해해당단어또는문장을입력한다.그러면,상기간편결제 처리서버 (40)는해당단어또는문장과，기등록한단어또는문장을비교하여 사용자인증을수행한다.
[125] 한편,본발명의제 2실시예에서상기스마트간편결제장치 (2)가수행했던 기능을상기간편결제처리서버 (40)가동일하게수행할수있다.
[126] 따라서,상기 간편결제처리서버 (40)는사용자진위를인증하기위한수단이 지문인증인경우,상기스마트간편결제장치 (2)로부터사용자의정상적인지문 이미지와,뭉개진지문이미지를순차적으로수신하고지문이기등록지문과 일치해야만사용자인증이완료된것으로판단하며,지문이미지가뭉개진 방향에미리설정된특정결제수단으로결제요청신호가발생되게처리할수 있다.
[127] 이하,본발명의제 3실시예에대해도면을참조하여상세하게설명한다.
[128] 도 8은본발명의제 3실시예에따른스마트간편결제시스템을통한개인
보안등급자가설정상태를도시한도면이다.
[129] 이를참조하면，본발명의제 3실시예에따른스마트간편결제시스템은스마트 간편결제장치 (2)나또는간편결제처리서버 (40)에각사용자별자가보안 등급을스스로설정하여각등급별로다른인증수단을거쳐서인증이
이루어지도록한것으로，결제상황에따라서로다른등급의 인증이수행되도록 하는것이바람직하다.
[130] 즉，본발명의제 3실시예에따른스마트간편결제시스템은고객이미리
신용카드결제와계좌이체시처리금액에연동하여인증수단을설정하고， 신용카드결제나계좌이체나출금시자동으로처리금액에연동한인증을 수행하도록진행되는장치나시스템이다.
[131] 만약，개인보안등급별자가설정및그인증을수행하는주체가상기스마트 간편결제장치 (2)라면,그스마트간편결제장치 (2)는그내부에，결제상황별 인증수단을선택적으로둥록하는상황별인증수단등록부 (24)와;상기상황별 인증수단등록부 (24)에등록된정보에따라결제정보를분석하고해당결제 상황에따른인증수단을자동으로추출및정렬하여사용자가인증받을수있게 하는인증수단자동정렬부 (26)가더포함되어구성된다.
[132] 또，상기인중수단자동정렬부 (26)는간편결제처리서버 (40)와연동되어
인증을처리하게간편결제처리서버 (40)로인증정보를입력하여전송하게된다.
[133] 즉,상기상황별인증수단등록부 (24)는결제상황에따라다양한인증을수행할 수있게등록한구성으로，이때상기결제상황이란소액이체또는고액이체 또는소액결제시또는일반결제시또는고액결제시중어느하나이다. [134] 예컨대,상기스마트간편결제장치 (2)에 인증가능한수단으로, '①드래그 방향인증,②전자인증서인증 (공인인증서),③안면인증,④비밀번호인증,⑤ 패턴인증 (스마트폰에 입력해서인증하는패턴),⑥드래그방향인증，⑦ 단어 /문장인증'이등록된데이터베이스 (46)로부터 결제상황에매칭되게 사용자가인증수단을등록한다.
[135] 즉，사용자가 100만원이상의이체시，해당결제상황을 A등급상황으로
등록하고,그 A등급상황시①,②,③,④,⑥인증을수행할수있게상기상황별 인증수단등록부 (24)에등록할수있다.또한,사용자는 5만원이하의소액 결제시해당결제상황을 C등급상황으로등록하고，그 C등급상황시①,⑤인증을 수행할수있게상기상황별인증수단등록부 (24)에등록할수있다.그로인해, 지문인증과패턴인증을사용자가수행하여인증이완료되면해당사용자가 요청한결제가처리되도록상기간편결제처리서버 (40)가금융서버 (42)에 요청한다.
[ 136] 또，사용자는 5만원이상부터 20만원이하의일반결제시해당결제상황을
B등급상황으로등록하고,그 B등급상황시①,④，⑥인증을수행할수있게상기 상황별인증수단등록부 (24)에등록할수있다.그로인해,지문인증과비밀번호 인증및드래그방향인증을사용자가수행하여인증이완료되면해당사용자가 요청한결제가처리되도록상기간편결제처리서버 (40)가금융서버 (42)에 요청한다.
[137] 또한,사용자는 2만원이상의고액결제시해당결제상황을 AB등급상황으로 등록하고，그 AB등급상황시①，④，⑥,⑦인증을수행할수있게상기상황별 인증수단등록부 (24)에등록할수있다.그로인해，지문인증과비밀번호인증및 드래그방향인증，단어 /문장인증을사용자가수행하여인증이완료되면해당 사용자가요청한결제가처리되도록상기간편결제처리서버 (40)가
금융서버 (42)에요청한다.
[1381 따라서，본발명의제 3실시예에따른스마트간편결제시스템은사용자개인이 자신의경제여건을고려하여직접결제상황을분류하고，각분류된결제 상황별로인증하고자하는인증수단들을매칭하여등록함으로써소액과일반, 고액에대한결제기준을개인이직접설정하여인증수단의종류나개수를 선택하여설정함으로써편의성과보안성을동시에강화시킬수있다.
[139] 이때,본발명의제 3실시예에따른스마트간편결제시스템은개인보안
등급별자가설정및그인증을수행하는주체가상기스마트간편
결제장치 (2)일수도있지만,상기간편결제처리서버 (40)일수도있다.
[140] 사용자의결제상황별인증수단을등록하고처리하는수단이상기간편결제 처리서버 (40)인경우,상기스마트간편결제장치 (2)는단순히인증정보를 입력하고，그처리상태를화면출력해주는장치에불과하고，실제로인증정보 등록이나인증처리는상기간편결제처리서버 (40)에서수행한다.따라서,상기 상황별인증수단등록부 (24)와，인증수단자동정렬부 (26)도이경우에는마땅히 상기가편결제 처리서버 (40)의내부에구성되어진다.
[ 141] 한편,본발명의제 3실시예에서상기스마트간편결제장치 (2)가수행했던 기능을상기간편결제처리서버 (40)가동일하게수행할수있다.
[142] 따라서，상기 간편결제처리서버 (40)는그내부에,결제상황별인증수단을 선텍적으로등록하는상황별인증수단등록부 (24)와;상기상황별인증수단 등록부 (24)에등록된정보에따라결제정보를분석하고해당결제상황에따른 인증수단을자동으로추출및정렬하여사용자가인증받을수있게하는 인증수단자동정렬부 (26)가더포함되게구성할수있다.
[143] 이하,본발명의제 4실시예에대해도면을참조하여상세하게설명한다.
[144] 도 9는본발명의제 4실시예에따른스마트간편결제시스템을통한개별 가맹점 이벤트처리상태를도시한도면이다.
[145] 이를참조하면,본발명의제 4실시예에따른스마트간편결제시스템은
가맹점의개별적이벤트처리가가능하게한시스템이다.
[146] 가맹점개별적 이벤트처리는고객에 대한타겟이벤트이고，타겟고객을 선별하기위해서는불가피하게개인신상에대해커뮤니케이션이이루어져야 한다.하지만，고객은개인신상정보의유출을염려하여원격의서버에개인 신상정보를저장하지않으려고한다.
[147] 반면,본발명의제 4실시예에따른스마트간편결제시스템은개인신상을 사용자가휴대하는스마트간편결제장치 (2)에저장하고，상기간편결제처리 서버 (40)가역으로질문하는방식으로해당사용자가타겟고객인지의여부를 판단할수있게한다.
[148] 이를위해,상기스마트간편결제장치 (2)는간편결제처리서버 (40)의질의에 의해자동응답할수있게저장되고,성별이나연령대와같이불변하는개인신상 정보를저장하는제 1개인신상설정부 (28a)와;간편결제처리서버 (40)의질의에 의해자동웅답할수있게저장되고,거주지역과같이 변동가능한개인신상 정보를저장하는제 2개인신상설정부 (28b)를포함하여구성된다.
[149] 이때,상기제 1개인신상설정부 (28a)는성별이나생년 (태어난해)과같이 변하지않는개인신상정보를저장하는구성으로,상기스마트간편결제 어플리케이션 (8)은상기스마트간편결제장치 (2)내에구성되어상기간편결제 처리서버 (40)의질문 (예컨대， '20대여성인가？')에대해자동으로답변 (아니오)을 수행한다.
[150] 한편，상기제 2개인신상설정부 (2Sb)는거주지역과같이변동가능한정보를 등록하여,마찬가지의자동답변을수행하는바，빈번하게상기제 2개인신상 설정부 (28b)에저장된정보를변경하지못하도록그저장정보의 변경을일정 주기이내에는불가하게제한하는것이바람직하다.
[151] 이하，본발명의제 5실시예에대해도면을참조하여상세하게설명한다.
[152] 도 10은본발명의제 5실시예에따른스마트간편결제시스템을통한지역 제한결제처리를수행하는서버의구성을도시한블록구성도,도 11은본발명의 제 5실시예에따른스마트간편결제시스템의신호흐름을도시한도면이다.
[153] 이를참조하면,본발명의제 5실시예에따른스마트간편결제시스템은결제 위치나이체위치,출금위치반경을고객이미리설정하고해당위치이외의 위치에서의금융처리요구시추가인증을수행할수있도록함으로써편의성과 안전성을향상시킨시스템이디-.
[154] 상당한숫자의사용자특히，학생이나회사원처럼활동범위가제한적인
사용자의 경우에는결제나이체또는출금과같은금융처리시미리금융처리가 이루어지는위치범위를제한할수있다.
[155] 즉，상기스마트간편결제장치 (2)가 GPS나와이파이같은공지의수단을
사용하여 획득한현재위치정보를간편결제처리서버 (40)로전송하면,해당 간편결제처리서버 (40)는현재상기스마트간편결제장치 (2)의위치가미리 사용자가등록해놓은위치범위내에속하는지를비교하여금융처리의가부를 결정할수있다.
[156] 이는도 2에도시된상기금융정보조합부 (22)가사용자의현재위치정보를 자동으로추출해서금융정보에포함되는정보로취급하여조합하고상기간편 결제처리서버 (40)로전송하게함으로써비롯된다.
[157] 또한，상기간편결제처리서버 (40)는사용자가금융처리요청시추가
인증수단으로특정위치범위를설정하고，스마트간편결제장치 (2)로부터 수신된위치정보와비교하는설정위치정보비교부 (54)와;사용자의위치가설정 위치가아닌경우,추가인증신호를요청하는추가인증신호발생부 (56)가더 포함되어구성된다.
[158] 즉，현재사용자의위치가설정위치범위를벗어난경우라면，추가적인인증을 더수행하도록하는것이바람직하다.
[159] 또한，상기간편결제처리서버 (40)는사용자별드래그방향에따른결제수단 정보가미리설정된금융정보설정부 (12)와;유저의장치식별정보또는유저 인증정보를통해유저를식별하기위한유저식별부 (52)와;상기결제수단을 활성화시켜결제를수행할수있도록기등록된사용자인증정보와입력하는 입력정보를비교하여사용자인증을수행하는사용자인증부 (14)가포함되어 구성된다.
[160] 또，상기간편결제처리서버 (40)는상기스마트간편결제장치 (2)로부터
결제수단선택신호및결제요청정보를수신받아해당사용자가미리설정한 결제수단정보를추출하고결제요청신호를금융서버 (42)로발생하는금융처리 요청신호발생부 (58)와;사용자인증및금융처리요청신호처리를수행하도록 제어하고，상기금융서버 (42)로부터금융처리신호를수신받고상기스마트간편 결제장치 (2)로처리정보를전송하는제어부 (30)를포함하여구성된다.
[161] 미설명부호 50과 60은정보수신부와정보송신부이다.
[162] 한편，본발명의실시예에따른스마트간편결제장치 및그시스템은단지 상기한실시예에한정되는것이아니라그기술적요지를이탈하지않는 범위내에서다양한변경이가능하다.
[163] *부호의설명 *
[164] 2:스마트간편결제장치 , 4:지문센서,
[165] 8:스마트간편결제어플리케이션， 40:간편결제처리서버
[ 166] 42:금융서버

Claims

청구범위
[청구항 1 ] 계좌이체또는특정신용카드또는포인트결제또는상품권이나쿠폰을 통한결제를수행할수있게각결제수단의정보를드래그방향과 연동하여설정한금융정보설정부 (12)와;
상기결제수단을활성화시켜결제를수행할수있도록기둥록된사용자 인증정보와입력하는입력정보를비교하여사용자인증을수행하는 사용자인증부 (14)와;
상기금융정보설정부 (12)를통해미리설정된계좌이체또는특정 신용카드또는포인트결제또는상품권이나쿠폰과같은결제수단을 선택하기위해사용자의드래그방향을감지하여결제수단선택신호를 발생시키는결제수단선택부 (16)와;
사용자가입력한금융정보설정정보를상기금융정보설정부 (12)에 등록하고,사용자인증과함께결제수단선택부 (16)를통해선택된 결제수단으로결제요청신호를자동으로발생시키는제어부 (30)를 포함하여구성된것을특징으로하는스마트간편결제장치.
[청구항 2] 제 1항에있어서,
상기결제수단선택부 (16)는홈버튼에장착된지문센서 (4)의지문이미지 변경상태를분석하여손가락의이동방향으로결제수단을선택하게 구성된것을특징으로하는스마트간편결제장치 .
[청구항 3] 게 I항에있어서,
상기금융정보설정부 (12)는각결제수단을식별할수있는식별정보와， 해당식별정보와함께금융서버 (42)에등록된사용자인증정보가자동 전송가능하게등록된것을특징으로하는스마트간편결제장치 .
[청구항 4] 제 1항에있어서,
상기사용자인증부 ( 14)는지문인증또는전자인증서 인증또는안면 인중또는비밀번호인증또는패턴인증또는드래그방향인증또는 유저별기등록단어나문장인증중적어도하나이상의인증을 수행하도록구성된것을특징으로하는스마트간편결제장치.
[청구항 5] 제 1항에있어서,
상기결제수단선택부 (16)를통해사용자가손가락으로드래그하여 선택한결제선택정보를제어부 (30)가화면에디스플레이하는것을 특징으로하는스마트간편결제장치 .
[청구항 6] 제 1항에있어서，
상기결제수단선택부 (16)를통해사용자가손가락으로드래그하여 선택한결제선택정보와,해당가맹점의 이벤트정보를제어부 (30)가 화면에디스플레이하는것을특징으로하는스마트간편결제장치 .
[청구항 7] 제 1항에 있어서， 상기 결제수단선택부 (1.6)에서특정 결제수단을선택하면，상기금융정보 설정부 (12)에 저장된해당결제수단정보를자동으로추출하는결제수단 자동추출부 (18)가더포함되어구성된것을특징으로하는스마트간편 결제장치.
[청구항 8] 제 1항에있어서,
상기결제수단선택부 (16)를통해어느결제수단이선택되건，해당 가맹점의 이벤트정보를화면에출력하는이벤트정보표시부 (20)가더 포함된것을특징으로하는스마트간편결제장치 .
[청구항 9] 제 1항에있어서,
상기결제수단선택부 (16)를통해특정결제수단이선택되면，사용자 식별정보와결제수단정보,결제관련정보를자동으로조합하는 금융정보조합부 (22)가더포함되어구성된것을특징으로하는스마트 간편결제장치.
[청구항 10] 제 1.항에있어서,
상기 결제수단선택부 (16)를통해선택된특정결제수단이다수개인 경우,할인율이더크거나또는적립율이더큰결제수단순으로자동 정렬되고, 1순위 결제수단이자동으로선택되게구성된것을특징으로 하는스마트간편결제장치 .
[청구항 11] 제 1항에있어서,
상기결제수단선택부 (16)는다수의 결제수단정보가각각하이퍼링크된 결제버튼이화면상에출력된것을특징으로하는스마트간편결제장치.
[청구항 12] 제 1항에있어서，
지문인증인경우,상기사용자인증부 (14)가지문센서 (4)를통해 사용자의정상적인지문이미지와，뭉개진지문이미지를순차적으로 수신하고지문이기등록지문과일치해야만사용자인증이완료된 것으로제어부 (30)가판단하며 ,지문이미지가뭉개진방향에설정된 특정결제수단으로결제요청신호가발생되게처리하게된것을 특징으로하는스마트간편결제장치 .
[청구항 13] 제 1항에있어서,
단어 /문장인증인경우，상기사용자인증부 (14)는사용자가기등록한 단어나문장에대해입력되는지를판단하는것을특징으로하는스마트 간편결제장치 .
[청구항 14] 제 1항에있어서，
결제상황별인증수단을선택적으로등록하는상황별인증수단 등록부 (24)와;
상기상황별인증수단등록부 (24)에등록된정보에따라결제정보를 분석하고해당결제상황에따른인중수단을자동으로추출및정렬하여 사용자가인증받을수있게하는인증수단자동정렬부 (26)가더포함된 것을특징으로하는스마트간편결제장치.
[청구항 15] 제 1항에 있어서,
간편결제처라서버 (40)의질의에의해자동응답할수있게저장되고, 성별이나연령대와같이불변하는개인신상정보를저장하는제 1 개인신상설정부 (28a)와;
간편결제처리서버 (40)의질의에의해자동응답할수있게 저장되고, 거주지역과같이 변동가능한개인신상정보를저장하는제 2개인신상 설정부 (28b)를더포함하여구성된것을특징으로하는스마트간편 결제장치.
[청구항 16] 제 6항에있어서,
상기이벤트정보는미리가맹점별이벤트정보가간편결제 처리서버 (40)에등록된상태에서사용자의결제요청신호에 대웅하여 상기간편결제처리서버 (40)로부터제공받아화면출력되는해당결제 대상가맹점의이벤트정보인것을특징으로하는스마트간편결제장치.
[청구항 17] 제 6항에있어서,
상기결제선택정보는그선택시상기제어부 (30)가자동으로결제 요청신호를금융서버 (32)로발생하는것을특징으로하는스마트간편 결제장치.
[청구항 18] 제 9항에있어서，
상기금융정보조합부 (22)는사용자의현재위치정보를자동으로 추출해서조합하는것을특징으로하는스마트간편결제장치 .
[청구항 19] 제 14항에 있어서,
상기결제상황이란소액이체또는고액이체또는소액결제시또는 일반결제시또는고액결제시중어느하나인것을특징으로하는스마트 간편결제장치.
[청구항 20] 제 14항에있어서，
상기 인증수단자동정렬부 (26)는간편결제처리서버 (40)와연동되어 인증을처리하게간편결제처리서버 (40)로인증정보를입력하여 전송하게된것을특징으로하는스마트간편결제장치.
[청구항 21] 제 15항에있어서，
상기 제 2개인신상설정부 (28b)는그저장정보의 변경을일정주기 이내에는불가하게제한된것을특징으로하는스마트간편결제장치 .
[청구항 22] 사용자의결제수단선택에 대한선택신호와입력한인증정보를간편결제 처리서버 (40)로전송하고，그에대한인증결과및결제완료정보를 수신받아화면에출력하는스마트간편결제어플리케이션 (8)이탑재된 스마트간편결제장치 (2)와;
사용자별인증정보를미리등록하고상기스마트간편
결제장치 (2)로부터인증정보및결제요청정보를수신받아인증처리를 수행하고금융서버 (42)로결제요청정보를전송하며그처리결과를 통보하는간편결제처리서버 (40)와;
상기간편결제처리서버 (40)로부터결제요청정보를수신받아결제 처리를수행하는금융서버 (42)를포함하여구성된것을특징으로하는 스마트간편결제시스템.
[청구항 23] 제 22항에 있어서，
상기간편결제처리서버 (40)는사용자별드래그방향에따른결제수단 정보가미리설정된금융정보설정부 (12)와;
유저의장치식별정보또는유저인증정보를통해유저를식별하기위한 유저식별부 (52)와;
상기 결제수단을활성화시켜결제를수행할수있도록기등록된사용자 인증정보와입력하는입력정보를비교하여사용자인증을수행하는 사용자인증부 (14)와;
상기스마트간편결제장치 (2)로부터결제수단선택신호및결제 요청정보를수신받아해당사용자가미리설정한결제수단정보를 추출하고결제요청신호를금융서버 (42)로발생하는금융처리요청신호 발생부 (58)와;
사용자인증및금융처리요청신호처리를수행하도록제어하고，상기 금융서버 (42)로부터금융처리신호를수신받고상기스마트간편 결제장치 (2)로처리정보를전송하는제어부 (30)를포함하여구성된것을 특징으로하는스마트간편결제시스템.
[청구항 24] 제 22항에 있어서，
상기간편결제처리서버 (40)는사용자가선택하여전송한각결제 수단을식별할수있는식별정보와,해당식별정보와사용자인증정보가 둥록된것을특징으로하는스마트간편결제시스템.
[청구항 25] 제 22항에있어서，
상기간편결제처리서버 (40)에서처리하는사용자인증은지문인증또는 전자인증서 인증또는안면인증또는비밀번호인증또는패턴인증 또는드래그방향인증또는유저별기등록단어나문장인증중적어도 하나이상의 인증을수행하도록구성된것을특징으로하는스마트간편 결제시스템.
[청구항 26] 제 22항에 있어서,
상기간편결제처리서버 (40)는상기스마트간편결제장치 (2)로부터 수신된사용자의손가락드래그방향정보를수신하고,그드래그방향에 해당하는결제수단정보를추출하여상기스마트간편결제장치 (2)로 전송하게구성된것을특징으로하는스마트간편결제시스템.
[청구항 27] 제 22항에있어서，
상기간편결제처리서버 (40)는상기스마트간편결제장치 (2)로부터 수신되며,사용자가손가락으로드래그하여선택한결제선택정보와， 해당사용자가결제하고자하는가맹점의 이벤트정보를추출하여상기 스마트간편결제장치 (2)로전송하게된것을특징으로하는스마트간편 결제시스템.
[청구항 28] 제 22항에 있어서,
상기간편결제처리서버 (40)는상기스마트간편결제장치 (2)로부터 사용자의 결제요청정보를수신하면，사용자식별정보와결제수단정보, 결제관련정보를자동으로금융서버 (42)로전송하게구성된것을 특징으로하는스마트간편결제시스템.
[청구항 29] 제 22항에 있어서，
상기간편결제처리서버 (40)는사용자가선택한특정결제수단이 다수개인경우，할인율이더크거나또는적립율이더큰결제수단순으로 자동정렬되고， 1순위결제수단을상기스마트간편결제장치 (2)로 전송하게구성된것을특징으로하는스마트간편결제시스템.
[청구항 30] 제 22항에 있어서,
상기간편결제처리서버 (40)는사용자진위를인증하기위한수단이 지문인증인경우，상기스마트간편결제장치 (2)로부터사용자의 정상적인지문이미지와,뭉개진지문이미지를순차적으로수신하고 지문이기등록지문과일치해야만사용자인증이완료된것으로 판단하며,지문이미지가뭉개진방향에미리설정된특정결제수단으로 결제요청신호가발생되게처리하게구성된것을특징으로하는스마트 간편결제시스템.
[청구항 31 ] 제 22항에 있어서,
상기간편결제처리서버 (40)는그내부에，
결제상황별인증수단을선택적으로등록하는상황별인증수단 등록부 (24)와;
상기상황별인증수단등록부 (24)에등록된정보에따라결제정보를 분석하고해당결제상황에따른인증수단을자동으로추출및정렬하여 사용자가인증받을수있게하는인증수단자동정렬부 (26)가더포함된 것을특징으로하는스마트간편결제시스템.
[청구항 32] 제 22항에 있어서，
상기간편결제처리서버 (40)는사용자가금융처리요청시추가 인증수단으로특정위치범위를설정하고，스마트간편
결제장치 (2)로부터수신된위치정보와비교하는설정위치정보 비교부 (54)와;
사용자의위치가설정위치가아닌경우,추가인증신호를요청하는추가 인중신호발생부 (56)가더포함된것을특징으로하는스마트간편 결제시스템. [청구항 33] 제 23항에 있어서,
상기금융정보설정부 (12)는계좌이체또는특정신용카드또는포인트 결제또는상품권이나쿠폰을통한결제를수행할수있게각결제수단의 정보를드래그방향과연동되게설정하는수단인것을특징으로하는 스마트간편결제시스템.
[청구항 34ᅵ 제 31항에있어서，
상기 결제상황이란소액이체또는고액이체또는소액결제시또는 일반결제시또는고액결제시증어느하나인것을특징으로하는스마트 간편결제시스템.
PCT/KR2016/006389 2015-06-16 2016-06-16 스마트 간편 결제장치 및 그 시스템 WO2016204528A1 (ko)

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