WO2017052034A1

WO2017052034A1 - Off-line payment processing system and method using two-channel authentication, and apparatus using same

Info

Publication number: WO2017052034A1
Application number: PCT/KR2016/006314
Authority: WO
Inventors: 곽세병
Original assignee: 에스케이플래닛 주식회사
Priority date: 2015-09-22
Filing date: 2016-06-14
Publication date: 2017-03-30

Abstract

Disclosed is an off-line payment processing system. The system is capable of: acquiring check-in information corresponding to a store into which a user has entered; receiving, from a mobile terminal, primary authentication information for a primary authentication corresponding to a pre-approval of a purchase corresponding to the store; if the primary authentication is valid, generating secondary authentication information for a secondary authentication, which is subordinate to the first authentication, and transmitting to the mobile terminal and at least one from among POSs corresponding to the store; and, on the basis of the results of the secondary authentication using the secondary authentication information, carrying out an in-store off-line payment. Accordingly, a safe and convenient off-line payment service can be provided to users.

Description

Offline payment processing system using 2 channel authentication, offline payment processing method using 2 channel authentication and device using same

The present invention relates to an offline payment processing system using two-channel authentication, an offline payment processing method using two-channel authentication, and a device using the same. In more detail, it is possible to perform a more convenient and secure offline payment through the first authentication using the user's terminal and the second authentication using the POS, using the second authentication information generated by shaking the user's mobile terminal Payment can be conveniently performed, and after the first authentication is performed, payment can be conveniently performed using the second authentication information generated when the mobile terminal enters the payment area for final payment. Oprah is a simple way to make a payment by using the Q & A related to the user for final payment after the payment. It relates to payment processing technology.

The present invention is the Korean Patent Application No. 10-2015-0133761, filed September 22, 2015, Korea Patent Application No. 10-2015-0139690, filed October 5, 2015, Korea, filed October 23, 2015 Claims the benefit of the application date of the Patent Application No. 10-2015-0148093 and the Korean Patent Application No. 10-2015-0148088 filed October 23, 2015, the entire contents of which are incorporated herein.

As mobile terminals become more common, the necessity of payment using mobile terminals is increasing continuously as well as online. An important theme in such a mobile terminal-based payment is security and convenience such as user authentication. In other words, when performing a payment, the user should require abnormal procedures or actions while efficiently detecting abnormal payments to prevent fraudulent payments.

Conventionally, there is a technology for convenience, such as after a user makes a payment through a mobile terminal before arriving at a store, and receives a prepaid product when the user arrives at the store. However, such a technology is that a user selects a product through a mobile terminal to make a payment before the user visits a store, and the user decides to purchase a product by visiting the store and pays it through a more concise process in the store's POS. There is a difference from the technology.

In addition, even in the above-described simple payment process, a security technology that blocks the possibility of fraudulent payments by checking whether the buyer receives the goods and the payer who performs the payment is difficult to find in the related art.

Related prior arts include Korean Registered Patent No. 10-1352710, registered on January 10, 2014 (name: credit card mock payment system and simulated payment method in the payment system and apparatus therefor).

It is an object of the present invention to provide higher safety based on two-channel authentication when a user performs offline payment using a mobile terminal.

In addition, an object of the present invention is to provide convenience of payment through simple authentication in the POS based on pre-authentication during offline payment.

In addition, an object of the present invention is to provide a stable payment service while maximizing user convenience when offline payment using a mobile terminal.

In addition, an object of the present invention is to provide stability and convenience of offline payment by performing authentication using a motion pattern of the mobile terminal when the user performs offline payment using the mobile terminal.

In addition, an object of the present invention is to prevent the risk of security that may occur in the purchase process after the first authentication is completed by performing the second authentication based on the first authentication.

In addition, an object of the present invention is to process the payment based on pre-authentication to perform offline payments safely and conveniently with only the mobile terminal without taking out the wallet or card separately.

In addition, an object of the present invention is to provide convenience of payment by performing the second authentication only by entering the payment area near the POS with the mobile terminal when the user performs the offline payment using the mobile terminal.

It is also an object of the present invention to provide a more stable offline payment system by varying the authentication level for payment in accordance with the monitoring condition before payment.

In addition, an object of the present invention is to provide convenience of payment by performing the second authentication only by answering a question generated based on the information of the mobile terminal of the user when the user performs offline payment using the mobile terminal. .

The offline payment processing apparatus according to the present invention for achieving the above object, the check-in information obtaining unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; Reviewing whether the primary authentication is valid, and when the primary authentication is valid, generates secondary authentication information for secondary authentication dependent on the primary authentication to generate at least the POS corresponding to the mobile terminal and the store. A second authentication unit transmitting one; And a payment processing unit which performs offline payment in the store based on the second authentication result using the second authentication information.

At this time, the primary authentication corresponds to the release conditional authentication, and when the primary authentication is released, the secondary authentication information may be invalidated.

In this case, the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.

In this case, when the monitoring result exceeds the predetermined reference purchase time from the first authentication until the product is submitted to the POS, the second authentication unit may move the mobile terminal after the first authentication. The second authentication level may be adjusted to be improved when the movement speed of the mobile terminal exceeds a preset reference movement distance and when the movement speed of the mobile terminal exceeds a preset reference movement speed after the first authentication. .

In this case, the secondary authentication unit generates additional authentication information based on at least one of the sign pad connected to the mobile terminal and the POS, and performs the additional authentication information to perform additional authentication according to the improvement of the second authentication level. It may be transmitted to at least one of the mobile terminal and the POS.

At this time, the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained by the check-in information.

At this time, the first authentication unit is a case where the monitoring result, the time before the first authentication is performed after obtaining the check-in information exceeds a predetermined reference authentication time and the number of mobile unauthorized payments occurred in the store is preset The first authentication level may be adjusted to correspond to at least one of cases where the reference number is exceeded.

At this time, the primary authentication may be adjusted and performed to add a procedure for inputting a PIN number when the primary authentication level is improved.

In addition, the mobile terminal according to the present invention includes a check-in information collecting unit for obtaining the check-in information corresponding to the store entered by the user; A first certification performing unit performing first certification corresponding to a pre-approval for a purchase corresponding to the store; A second authentication performing unit configured to generate authentication information for second authentication dependent on the first authentication when the first authentication is valid; And a payment performing unit for transmitting the authentication information to any one of the server and the POS corresponding to the store to perform the offline payment in the store, and receives the result of the offline payment.

In addition, the offline payment processing method according to the present invention comprises the steps of obtaining the check-in information corresponding to the store entered by the user; Receiving first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; Reviewing whether the primary authentication is valid, and when the primary authentication is valid, generates secondary authentication information for secondary authentication dependent on the primary authentication to generate at least the POS corresponding to the mobile terminal and the store. Transmitting to one; And performing an offline payment at the store based on a second authentication result using the second authentication information.

At this time, the step of transmitting, if the monitoring results from the first authentication to the time before the product is submitted to the POS exceeds the predetermined reference purchase time, the moving distance of the mobile terminal after the first authentication is Adjusting the secondary authentication level to be improved when the movement speed of the mobile terminal exceeds a preset reference movement distance and when the movement speed of the mobile terminal exceeds a preset reference movement speed after the first authentication. It may include.

In this case, the adjusting may include generating additional authentication information based on at least one of a sign pad connected to the mobile terminal and the POS; And transmitting the additional authentication information to at least one of the mobile terminal and the POS in order to perform additional authentication according to the improvement of the second authentication level.

At this time, the step of receiving the primary authentication information is when the monitoring result, the time before the first authentication is performed after acquiring the check-in information exceeds a predetermined reference authentication time and the mobile irregularity occurred in the store The method may include adjusting the first authentication level when the number of payments corresponds to at least one of the cases where the number of payments exceeds a preset reference number.

In addition, the offline payment processing apparatus according to the present invention for achieving the above object is a check-in information acquisition unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; When the first authentication is valid, it is for second authentication dependent on the first authentication, and generates second authentication information in a form corresponding to a motion pattern for the mobile terminal to correspond to the mobile terminal and the store. A second authentication unit transmitting at least one of the POSs; And a payment processing unit which performs offline payment in the store based on the second authentication result using the second authentication information.

In this case, the second authentication determines whether or not the mobile terminal exists in a predetermined payment area based on the POS when the payment amount of the product corresponding to the purchase is input to the POS, and the mobile terminal is settled in the payment area. If the motion pattern is within the motion pattern generated by the user shaking the mobile terminal may be compared with the registered motion pattern registered in advance by the user.

In this case, when the secondary authentication level is improved, the secondary authentication unit further considers the second authentication information by considering at least one condition of a moving direction, a moving speed, a moving distance, and the size of the payment area when the mobile terminal is shaken. Can be generated.

At this time, the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information.

In addition, the mobile terminal according to the present invention includes a check-in information collecting unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication performing unit configured to perform primary authentication corresponding to pre-approval for a purchase corresponding to the store by inputting primary authentication information; A second authentication performing unit generating second authentication information corresponding to a motion pattern for the second authentication dependent on the first authentication when the first authentication is valid; And a payment performing unit for transmitting the second authentication information to any one of the server and the POS corresponding to the store in order to perform the offline payment in the store, and receives the result of the offline payment.

In addition, the offline payment processing method according to the present invention comprises the steps of obtaining the check-in information corresponding to the store entered by the user; Receiving first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; When the first authentication is valid, it is for second authentication dependent on the first authentication, and generates second authentication information in a form corresponding to a motion pattern for the mobile terminal to correspond to the mobile terminal and the store. Transmitting to at least one of the POS; And performing an offline payment at the store based on a second authentication result using the second authentication information.

In this case, the transmitting may further include the second authentication information in consideration of at least one of a moving direction, a moving speed, a moving distance, and a size of the payment area when the mobile terminal is shaken when the second authentication level is improved. Can be generated.

At this time, the step of transmitting, if the monitoring results from the first authentication to the time before the product is submitted to the POS exceeds the predetermined reference purchase time, the moving distance of the mobile terminal after the first authentication is The second authentication level may be adjusted to be improved when the movement speed of the mobile terminal exceeds a preset reference movement distance and when the movement speed of the mobile terminal exceeds a preset reference movement speed after the first authentication. .

At this time, the step of receiving the primary authentication information is when the monitoring result, the time before the first authentication is performed after acquiring the check-in information exceeds a predetermined reference authentication time and the mobile irregularity occurred in the store When the number of payments corresponds to at least one of the cases in which the number of payments exceeds a preset reference number, the first authentication level may be improved.

In addition, the offline payment processing apparatus according to the present invention for achieving the above object is a check-in information acquisition unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; Reviewing whether the first authentication is valid and performing the second authentication performed based on whether the mobile terminal is located in a predetermined payment area when the first authentication is valid and is dependent on the first authentication. Second authentication unit; And a payment processing unit that performs offline payment in the store based on the result of the second authentication.

In this case, when the mobile terminal receives the authentication signal for the second authentication, the second authentication unit may determine that the mobile terminal is located within the predetermined payment area and perform the second authentication.

At this time, the secondary authentication unit is installed within a predetermined distance based on the POS corresponding to the store, at least of the beacon device for transmitting a BLE (Bluetooth Low Energy) based beacon signal and a speaker for outputting a high frequency signal of a specific frequency The authentication signal may be transmitted to the mobile terminal using an authentication signal transmission device including one.

At this time, the second authentication unit may perform at least one of the size control and additional authentication of the payment area to improve the second authentication level.

At this time, the secondary authenticator may adjust the size of the payment area by adjusting the signal strength of the authentication signal.

At this time, the first authentication corresponds to the release conditional authentication, and when the first authentication is released, the second authentication information is invalidated and adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information. Can be performed corresponding to the first authentication level.

In addition, the mobile terminal according to the present invention includes a check-in information collecting unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication performing unit configured to perform primary authentication corresponding to pre-approval for a purchase corresponding to the store by inputting primary authentication information; A second authentication performing unit configured to generate second authentication information based on whether the first authentication is valid or not based on a predetermined payment area for second authentication dependent on the first authentication; And a payment performing unit for transmitting the second authentication information to any one of the server and the POS corresponding to the store in order to perform the offline payment in the store, and receives the result of the offline payment.

In addition, the offline payment processing method according to the present invention comprises the steps of obtaining the check-in information corresponding to the store entered by the user; Receiving first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; Reviewing whether the first authentication is valid and performing the second authentication performed based on whether the mobile terminal is located in a predetermined payment area when the first authentication is valid and is dependent on the first authentication. step; And performing an offline payment at the store based on a second authentication result using the second authentication information.

In this case, performing the second authentication may determine that the mobile terminal is located within the preset payment area when the mobile terminal receives the authentication signal for the second authentication, and perform the second authentication. Can be.

At this time, the step of performing the second authentication is installed within a predetermined distance based on the POS corresponding to the store, and outputs a beacon device and a high frequency signal of a specific frequency transmitting a beacon signal based on BLE (Bluetooth Low Energy) The authentication signal may be transmitted to the mobile terminal using an authentication signal transmission device including at least one of the speakers.

In this case, the performing of the second authentication may improve the second authentication level by performing at least one of adjusting the size of the payment area and additional authentication.

In this case, in performing the second authentication, the size of the payment area may be adjusted by adjusting the signal strength of the authentication signal.

At this time, the step of performing the second authentication is the mobile terminal after the first authentication when the monitoring result exceeds the predetermined reference purchase time from the first authentication until the product is submitted to the POS The secondary authentication level is improved when the moving distance of the device exceeds at least one of the preset reference moving distances and when the moving speed of the mobile terminal after the first authentication exceeds a predetermined reference moving speed. You can adjust it.

In addition, the offline payment processing apparatus according to the present invention for achieving the above object is a check-in information acquisition unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; A second authentication unit for transmitting second authentication information in the form of question and answer to at least one of the POS corresponding to the mobile terminal and the store in order to perform the second authentication dependent on the first authentication when the first authentication is valid; And a payment processing unit which performs offline payment in the store based on the second authentication result using the second authentication information.

At this time, the second authentication unit obtains a user response to the question corresponding to the second authentication information from the user, and performs the second authentication by comparing whether the correct answer corresponding to the question and the user response match. can do.

In this case, the second authentication information may be generated by acquiring corresponding information within a preset last period from the time when the first authentication is performed from the mobile terminal, and may be generated within a predetermined number of characters.

At this time, the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS.

In this case, when the monitoring result exceeds the predetermined reference purchase time from the first authentication until the product is submitted to the POS, the second authentication unit may move the mobile terminal after the first authentication. The number of letters corresponding to the correct answer is increased by increasing the number of letters corresponding to the correct answer when the moving speed of the mobile terminal exceeds a predetermined reference moving speed after the first authentication and after the first authentication. Secondary authentication level can be improved.

In addition, the mobile terminal according to the present invention includes a check-in information collecting unit for obtaining the check-in information corresponding to the store entered by the user; A primary authentication performing unit configured to perform primary authentication corresponding to pre-approval for a purchase corresponding to the store by inputting primary authentication information; A second authentication performing unit generating second authentication information corresponding to a response to a question for the second authentication dependent on the first authentication when the first authentication is valid; And a payment performing unit for transmitting the second authentication information to any one of the server and the POS corresponding to the store in order to perform the offline payment in the store, and receives the result of the offline payment.

In addition, the offline payment processing method according to the present invention comprises the steps of obtaining the check-in information corresponding to the store entered by the user; Receiving first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal; Transmitting second authentication information in the form of question and answer to at least one of a POS corresponding to the mobile terminal and the store to perform second authentication dependent on the first authentication when the first authentication is valid; And performing an offline payment at the store based on a second authentication result using the second authentication information.

In this case, the transmitting may include obtaining a user response to a question corresponding to the second authentication information from the user, and comparing the correct answer corresponding to the question with the user response to determine whether the user response corresponds to the second response. Car authentication can be performed.

At this time, the step of transmitting, if the monitoring results from the first authentication to the time before the product is submitted to the POS exceeds the predetermined reference purchase time, the moving distance of the mobile terminal after the first authentication is The number of letters corresponding to the correct answer is increased by increasing the number of letters corresponding to the correct answer when the moving speed of the mobile terminal exceeds a predetermined reference moving speed after the first authentication and after the first authentication. Secondary authentication level can be improved.

At this time, the step of receiving, if the monitoring result, the time before the first authentication is performed after acquiring the check-in information exceeds a predetermined reference authentication time and the number of mobile unauthorized payments occurred in the store is preset The method may include adjusting the first authentication level to be improved when the reference number is exceeded.

In addition, as another means for solving the problem of the present invention, there is provided a computer program stored in the medium for executing the above-described method.

According to the present invention, when a user performs offline payment using a mobile terminal, it is possible to provide higher safety based on two-channel authentication.

In addition, the present invention can provide convenience of payment through simple authentication at the POS based on pre-authentication at the time of offline payment.

In addition, the present invention can provide a stable payment service while maximizing user convenience when offline payment using a mobile terminal.

In addition, the present invention can provide stability and convenience of offline payment by performing authentication using a motion pattern of the mobile terminal when the user performs offline payment using the mobile terminal.

In addition, the present invention can prevent the risk of security that may occur in the purchase process after the first authentication is completed by performing the second authentication based on the first authentication.

In addition, the present invention can process the payment based on pre-authentication, and can safely and conveniently perform offline payment only with a mobile terminal without taking out a wallet or a card.

In addition, the present invention can provide convenience of payment by performing the second authentication only by entering the payment area near the POS with the mobile terminal when the user performs the offline payment using the mobile terminal.

In addition, the present invention can provide a more stable offline payment system by varying the authentication level for payment in accordance with the monitoring condition before payment.

In addition, the present invention can provide convenience of payment by performing the second authentication only by answering a question generated based on the information of the mobile terminal of the user when the user performs the offline payment using the mobile terminal.

1 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.

2 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.

3 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

4 to 8 are diagrams showing a payment progress screen when an application member in a payment method through BLE PUSH according to an embodiment of the present invention.

9 to 15 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.

16 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from an offline payment processing apparatus.

17 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the mobile terminal side.

FIG. 18 is a detailed diagram illustrating a process of improving first authentication level of first authentication in the offline payment processing method illustrated in FIG. 16.

19 is a diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 16.

20 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.

21 is a block diagram illustrating an offline payment processing apparatus according to an embodiment of the present invention.

22 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

23 to 27 are views illustrating a payment progress screen when an application member is used in a payment method through BLE PUSH according to an embodiment of the present invention.

28 to 34 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.

35 is a diagram illustrating an example of a screen for registering a registered motion pattern according to the present invention.

36 is a flowchart illustrating an offline payment processing method in terms of an offline payment processing apparatus according to an embodiment of the present invention.

37 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the mobile terminal side.

FIG. 38 is a diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 36.

FIG. 39 is a detailed diagram illustrating a process of improving first authentication level of first authentication in the offline payment processing method illustrated in FIG. 36.

40 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.

41 is a block diagram showing an offline payment processing apparatus according to an embodiment of the present invention.

42 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

43 to 47 are diagrams illustrating a payment progress screen when an application member is used in a payment method through BLE PUSH according to an embodiment of the present invention.

48 to 54 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.

55 is a diagram illustrating a second authentication process according to an embodiment of the present invention.

56 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from an offline payment processing apparatus.

57 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the mobile terminal side.

FIG. 58 is a diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 56.

FIG. 59 is a diagram illustrating the process of improving the primary authentication level of primary authentication in the offline payment processing method illustrated in FIG. 56.

60 is a block diagram showing an offline payment system using an application pay in one embodiment of the present invention.

61 is a block diagram illustrating an offline payment processing apparatus according to an embodiment of the present invention.

62 is a block diagram illustrating a mobile terminal according to an embodiment of the present invention.

63 to 67 are views illustrating a payment progress screen when an application member is used in a payment method through BLE PUSH according to an embodiment of the present invention.

68 to 74 are views illustrating a member registration screen when an application is a non-member in a payment method through BLE PUSH according to an embodiment of the present invention.

75 is a diagram illustrating an example of performing second authentication using a mobile terminal according to the present invention.

76 is a diagram illustrating an example of performing second authentication using a POS of a store according to the present invention.

77 is a flowchart illustrating an offline payment processing method in terms of an offline payment processing apparatus according to an embodiment of the present invention.

78 is a flowchart illustrating an offline payment processing method according to an embodiment of the present invention from the mobile terminal side.

FIG. 79 is a detailed diagram illustrating a process of improving a second authentication level of second authentication in the offline payment processing method illustrated in FIG. 77.

FIG. 80 is a detailed diagram illustrating a process of improving first authentication level of first authentication in the offline payment processing method illustrated in FIG. 77.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. Here, the repeated description, well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention, and detailed description of the configuration will be omitted. Embodiments of the present invention are provided to more completely describe the present invention to those skilled in the art. Accordingly, the shape and size of elements in the drawings may be exaggerated for clarity.

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

1 is a block diagram illustrating an offline payment system using an application pay according to an embodiment of the present invention.

Referring to FIG. 1, a payment system using an application pay according to an embodiment of the present invention includes an application server 110, a terminal 120, a POS device 130, a BLE server 140, and a BLE device 150. Include.

The payment system according to an embodiment of the present invention may correspond to a system for performing payment using an application pay based on an application installed in a mobile terminal of a user when purchasing a product at an offline store.

The application server 110 may be a server that provides an application 111 for performing payment with information related to payment to the user terminal 120 and performs a procedure related to payment. In this case, the application server 110 may transmit and receive data through the network.

At this time, the application server 110 may be an offline payment processing device according to an embodiment of the present invention. In addition, the application server 110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a passage for transferring data between the application server 110 and the terminal 120, and is a concept encompassing both a network used in the future and a network that can be developed in the future. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In addition, the network used between the application server 110 and the terminal 120 in FIG. 1 is different from the network used between the application server 120 and the POS device 130 and the BLE server 140 and the terminal 120. May be the same or may be the same.

The terminal 120 receives information corresponding to product payment from the application server 110 using an application and provides the same to the user.

In this case, the terminal 120 is a device capable of executing an application connected to a communication network, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 120 may receive various information such as numerals and text information, and may transmit various signals to the controller through an input unit for setting various functions and controlling functions of the terminal 120. In addition, the input unit of the terminal 120 may include at least one of a keypad and a touch pad generating an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 120 is configured in the form of a single touch panel (or touch screen) together with the display unit of the terminal 120 to simultaneously perform input and display functions. In addition, in addition to input devices such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 120 based on an optimal card recommendation system.

In addition, the display unit of the terminal 120 may display information on a series of operation states and operation results generated while performing the function of the terminal 120. In addition, the display unit of the terminal 120 may display a menu of the terminal 120 and user data input by the user. The display unit of the terminal 120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 120 is configured in the form of a touch screen, the display unit of the terminal 120 may perform some or all of the functions of the input unit of the terminal 120. In particular, the display unit of the terminal 120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.

In addition, the storage unit of the terminal 120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 120. The storage unit of the terminal 120 may largely include a program area and a data area. In this case, when the terminal 120 activates each function in response to a user's request, the terminal 120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 120 according to the present invention may store an operating system for booting the terminal 120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 120 may store a content DB for storing a plurality of contents and information of the terminal 120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 120 may include terminal specification information.

In addition, the communication unit of the terminal 120 may perform a function for transmitting and receiving data with the application server 110 through a network. Here, the communication unit of the terminal 120 may include RF transmission means for up-converting and amplifying the frequency of the transmitted signal, and RF reception means for low-noise-amplifying and down-converting the received signal. The communication unit of the terminal 120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may be connected to a network through a wire to transmit and receive data to and from the application server 110. That is, the terminal 120 accesses a network using a wireless communication module or a wired communication module, and transmits and receives data to and from the application server 110 through the network. In particular, in the network according to the present invention, the terminal 120, the application server 110, and the BLE server 140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.

In addition, the controller of the terminal 120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 110. When accessing the application server 110 through a separate service application, it is possible to control the overall process of running the service application according to the user's request, and at the same time the service use request to the application server 110 It may be controlled to be transmitted, and in this case, it may be controlled to transmit the information of the terminal 120 required for user authentication.

In addition, the controller of the terminal 120 may execute specific content stored in the storage of the terminal 120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the terminal 120 of the user has an application for the application pay service is installed, it may correspond to the terminal 120 of the user subscribed to the application pay service.

The POS device 130 is a device for performing payment of goods in the store 160, and may correspond to a device capable of performing an application pay service based on communication with the application server 110.

The BLE server 140 may be a server for identifying the location of the terminal 120 and providing information by using a Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even if a user of the terminal 120 does not take any action, the user of the terminal 120 may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor location positioning, automatic check-in, and geofencing based on proximity positioning. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 150 illustrated in FIG. 1 may correspond to a beacon.

Such beacons may be divided into sound-based low frequency beacons, LED beacons, Wi-Fi beacons, and Bluetooth beacons according to a method of transmitting a signal. In addition, the beacon can transmit a periodic signal in a small packet of approximately 21 bytes, does not need to be paired with the receiving target, and operates at low power, but the ID value and the received signal strength of the beacon transmitter up to 50 meters It is possible to transmit a signal corresponding to. In addition, since the price is small and can be easily attached anywhere, it can be used anywhere even in an offline store.

For example, by installing a beacon at a specific place within the store 160, when a user and a customer having the terminal 120 enter the area of the BLE beacon, the terminal 120 may detect a corresponding terminal 120 and transmit a signal including information. .

The store 160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store where the application pay agent and the BLE device 150 are installed.

Hereinafter, a payment system according to an embodiment of the present invention will be described according to a service flow.

First, the user may enter the store 160 with the terminal 120.

At this time, the beacon, which is a BLE-based short-range data communication technology, may be used to detect that the user has entered the store 160.

That is, according to the present invention, the BLE signal transmitted from the BLE device 150, which is a beacon located in the store 160, may be received by the Bluetooth-enabled terminal 120 using the BLE SDK 141. At this time, the BLE signal may be received through the application 111 installed based on the BLE SDK 141. Thereafter, when the terminal 120 transmits the information included in the BLE signal to the BLE server 140, the BLE server 140 may provide the terminal 120 with information related to the BLE benefit corresponding to the BLE signal. .

Thereafter, the terminal 120 may access the application server 110 based on the BLE benefit information received from the BLE server 140 through the application.

In this case, the application server 110 may include at least one module for performing payment.

For example, the application server 110 may include a membership providing module that may provide membership information based on user information of the terminal 120 and store information corresponding to the store 160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server 110 may include an application pay payment module for performing a payment through the application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

In this case, the application pay payment module may include an optimal card recommendation device for recommending an optimal card in consideration of discount benefits, store benefits, and accumulation among credit cards possessed by a user based on credit card information. For example, the best card according to the discount rate or the accumulation rate may be recommended by combining the benefit information provided through the membership card and the benefit information provided through the membership card when the target performance of the previous month was achieved for each type of credit card. In addition, the optimal card recommendation device may be configured independently of the application pay payment module.

For another example, the application server 110, through the membership providing module membership information, coupons or gift information for the user can use in the store 160, event information and marketing information in progress in the store 160, etc. It may include a store information providing module that can provide. For example, the store information providing module provides the application server 110 by searching for the gift icons or coupons that the user can use in the store 160 through the application, so that the user can display the gift icons through the application installed in the terminal 120. You can use the coupon. In addition, the store information providing module provides the application server 110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. Information about the ongoing event and marketing in 160 may be provided to the user terminal 120.

Thereafter, the user accessing the application server 110 through the terminal 120 may perform pre-authentication in the application pay service to purchase a product in the store 160. For example, the user may enter a step for pre-authentication by receiving a purchase-related push message through the BLE device 150 and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 110 or corresponding to the application server 110 receives the corresponding first authentication information of the first authentication performed by the terminal 120 to determine whether to authenticate. You can judge.

Thereafter, the user moves to the POS device 130 with the product to be purchased in the store 160, and expresses a willingness to pay through the application pay at the cashier of the store 160, and performs the second authentication for the purchase and payment of the product. can do.

In this case, the second authentication may be authentication dependent on the first authentication, and the second authentication may be performed while the first authentication is valid.

For example, as the second authentication method, a user has a terminal 120 and is located in a zone for payment near the POS device 130, and inputs a gesture gesture pattern using the terminal 120 within the payment zone. A method of inputting a touch pattern to a sign pad included in the POS device 130, a method of generating an intersection point on the sign pad, a question answering method, and the like.

In addition, in the second authentication, after the clerk of the store 160 scans the purchased product, the POS device 130 may check the user who uses the application pay service and proceed with payment.

Thereafter, when the second authentication is completed, the application server 110 may transmit a message indicating whether payment through the application pay was successfully performed to at least one of the terminal 120 or the POS device 130 of the user.

When using a payment system using such an application pay, it is more convenient and safe for the user to perform the first authentication in the store 160 and perform a simple second authentication to pay for the product using the optimal card. It is possible.

2, the offline payment processing apparatus according to an embodiment of the present invention is a communication unit 210, check-in information acquisition unit 220, primary authentication unit 230, secondary authentication unit 240, payment processing unit 250 and storage unit 260.

The communication unit 210 plays a role of transmitting and receiving information necessary for offline connection processing with a mobile terminal of a user through a communication network such as a network. In particular, the communication unit 210 according to an embodiment of the present invention may receive information for performing check-in, first authentication, and second authentication from the mobile terminal, and provide the mobile terminal with information corresponding to offline payment processing. have.

In this case, information for performing offline payment processing may be received from a separate application server or a POS installed in a store.

The check-in information obtaining unit 220 obtains check-in information corresponding to a store entered by the user.

In this case, the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS. For example, a device such as a BLE beacon may be installed at an entrance of a store, and when a user's mobile terminal enters an area of the BLE beacon, the terminal may be detected to transmit a signal including information of the store. At this time, the mobile terminal receiving the signal may obtain the information of the store included in the signal through the application, and transmit the information to the offline payment processing device using the information as check-in information.

In this case, any technology capable of detecting that the user's mobile terminal has visited the store may be used as a technology for obtaining check-in information without being limited to any technology.

The primary authentication unit 230 receives primary authentication information for primary authentication corresponding to a preauthorization of a purchase corresponding to a store from the mobile terminal.

In this case, the first certification may correspond to the pre-payment certification that is made before the product to be purchased or the amount to be paid for settlement is confirmed.

At this time, the primary authentication may correspond to entering a PIN number in the mobile terminal. That is, the first authentication may be performed at the mobile terminal. For example, when the PIN is input to perform the first authentication in the mobile terminal, the first approval may be made by recognizing the PIN number input to the mobile terminal as the first authentication information and transmitting the same to the offline payment processing device. .

In addition, the first authentication may be performed through various methods such as fingerprint recognition, face recognition, voice recognition, etc. available through the mobile terminal.

At this time, the primary authentication corresponds to the release conditional authentication, and when the primary authentication is released, the secondary authentication information may be invalidated. In other words, primary authentication may correspond to authentication involving spatial or temporal release conditions.

At this time, one of the release conditions of the primary authentication may be a timeout time corresponding to the time that the primary authentication is valid. That is, after performing the first authentication, if the preset timeout time is exceeded, the first authentication may be automatically released.

At this time, the timeout time may be set differently according to the type of store. For example, a store such as a supermarket may set a timeout time of 30 minutes to 1 hour to suit a shopping time. In addition, in a store such as a restaurant, a timeout time may be set from 2 to 3 hours to suit a meal time.

At this time, when the first authentication is released due to the timeout time, the payment through the mobile terminal may not be performed regardless of whether the second authentication is valid. Therefore, in order to perform the payment through the mobile terminal after the first authentication is released, the first authentication may be performed again, and then the second authentication may be performed to process the payment.

In addition, the first authentication may be released when the mobile terminal moves away from the store by a predetermined distance or more. For example, when the mobile terminal is located by using a short range wireless communication device installed at various locations of the store entrance and the inside of the store, and the mobile terminal is determined to be out of the store and distanced more than a certain distance, the first authentication is released. Can be.

At this time, the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained by the check-in information. In other words, if something unusual is found in the monitoring results, the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.

At this time, the monitoring result may correspond to the situation until the first authentication is performed.

At this time, if the monitoring result, the time before the first authentication is performed after obtaining the check-in information exceeds the predetermined reference authentication time, at least one of the number of mobile frauds that occurred in the store exceeds the predetermined reference number In this case, the primary authentication level can be adjusted to improve. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.

At this time, the primary authentication may be adjusted and performed to add a procedure for inputting a PIN number when the primary authentication level is improved. For example, when the first authentication level is increased, the keyboard of the mobile terminal may be changed every time a PIN is input, rather than a simple PIN input. In addition, a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used. In addition, when the PIN is input, if an earphone or a headphone is connected to the audio jack of the mobile terminal and listening to music, a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.

The second authentication unit 240 examines the validity of the first authentication, and when the first authentication is valid, generates the second authentication information for the second authentication dependent on the first authentication to correspond to the mobile terminal and the store. Send to at least one of the POS. For example, after the first authentication, the user may determine a product or service that the user wants to purchase in the store and deliver the same to the POS of the store. In this case, the second authentication may be performed at the POS and may be performed using at least one of the user's mobile terminal and the POS. Therefore, the second authentication information for the second authentication may be generated and transmitted to at least one of the mobile terminal and the POS.

At this time, the second authentication may be lower than the first authentication level. That is, since the purchase intention of the user who wants to purchase the product through the first authentication through the mobile terminal is confirmed, if the first authentication is not released because the conditions for canceling the first authentication are satisfied, the purchase is made only with the second level authentication of the lower level. Confirmation can also reduce the likelihood of fraud. Therefore, although the authentication level is lower than that of the first authentication, the second authentication may be an authentication method that can maximize the user's convenience.

In addition, secondary authentication may correspond to authentication dependent on primary authentication. That is, based on the first authentication using the mobile terminal, the second authentication information for the second authentication is provided to the POS of the store, and the POS uses the second authentication information provided to the second authentication for the user who wants to purchase the product. Can be done. For example, secondary authentication may require a face or phone number to be displayed to a user who wants to purchase a product, that is, a picture or phone number of a payer through a mobile terminal, and a store clerk approaches the POS to purchase a product. The verification may be a method of performing second authentication.

In this case, the second authentication may be performed corresponding to the second authentication level adjusted according to the monitoring result for the mobile terminal until the product corresponding to the purchase is submitted to the POS. That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.

At this time, when the monitoring result exceeds the preset reference purchase time from the first authentication until the product is submitted to the POS, the travel distance of the mobile terminal after the first authentication exceeds the preset reference travel distance, and After the first authentication, when the moving speed of the mobile terminal corresponds to at least one of the preset reference moving speeds, the second authentication level may be adjusted to be improved.

In this case, the preset reference purchase time may correspond to a time less than the timeout time satisfying the release condition of the first authentication.

At this time, the additional authentication information is generated based on at least one of the sign pad connected to the mobile terminal and the POS, and the additional authentication information is transmitted to at least one of the mobile terminal and the POS in order to perform additional authentication according to the improvement of the second authentication level. Can be.

For example, as a method of additional authentication, a method of authenticating a user's mobile terminal by shaking it according to a predetermined shaking pattern in the POS, and a question transmitted to the POS based on a call list or calendar registered in the mobile terminal during the first authentication. How to check and answer, how to input preset tapping pattern on sign pad linked to POS, how to input preset crossing pattern on sign pad, and how to be located in payment zone corresponding to a certain range based on POS There are many easy ways to do this.

The payment processor 250 performs an offline payment in a store based on the second authentication result using the second authentication information. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

The storage unit 260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage unit 260 may be configured independently of the offline payment processing apparatus to support a function for an offline payment processing service. At this time, the storage unit 260 may operate as a separate mass storage, and may include a control function for performing the operation.

On the other hand, the offline payment processing device is equipped with a memory can store information in the device. In one embodiment, the memory is a computer readable medium. In one implementation, the memory may be a volatile memory unit, and for other implementations, the memory may be a nonvolatile memory unit. In one embodiment, the storage device is a computer readable medium. In various different implementations, the storage device may include, for example, a hard disk device, an optical disk device, or some other mass storage device.

By using such an offline payment processing device, it is possible to provide higher safety based on two-channel authentication when a user performs offline payment using a mobile terminal.

In addition, it is possible to provide convenience of payment through simple authentication at the POS based on pre-authentication during offline payment.

In addition, it is possible to provide a stable payment service while maximizing user convenience when offline payment using a mobile terminal.

Referring to FIG. 3, another mobile terminal according to an embodiment of the present invention includes a check-in information collecting unit 310, a first authentication performing unit 320, a second authentication performing unit 330, and a payment performing unit 340. Include.

The check-in information collecting unit 310 obtains check-in information corresponding to the store entered by the user.

In this case, the check-in information may be obtained by using Bluetooth low energy (BLE) technology or technologies such as WiFi and GPS. For example, when a user enters a store with a mobile terminal, the mobile terminal may receive a beacon signal from a BLE beacon device installed at the entrance of the store. At this time, the beacon signal may include check-in information including the information of the store.

The first certification performing unit 320 performs the first certification corresponding to the approval of the purchase corresponding to the store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

The secondary authentication performing unit 330 generates secondary authentication information for secondary authentication dependent on the primary authentication when the primary authentication is valid. In this case, the second authentication information may correspond to information such as a picture or a phone number of the user who uses the mobile terminal.

At this time, when additional authentication is performed as the secondary authentication level for the second authentication is improved, additional authentication information according to the additional authentication method may be generated.

The payment performing unit 340 transmits the second authentication information to any one of a server and a POS corresponding to the store in order to perform the offline payment in the store, and receives the result of the offline payment. For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

4 to 8, in the payment method through BLE PUSH according to an embodiment of the present invention, when a user who subscribes to an application pay service enters an offline store, a product is installed through an application installed in a mobile terminal as shown in FIG. 4. The benefit screen 410 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, the product benefits screen 410 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal Can be. That is, the mobile terminal may obtain discount information and coupon information by obtaining check-in information corresponding to the store through the beacon of the store. In addition, the mobile terminal may provide check-in information to the offline payment processing device through the application.

In this case, when the mobile terminal is locked, the product benefit screen 410 may output discount information and coupon information together with a payment button on the lockscreen 412 of the mobile terminal.

In addition, the product benefit screen 410 may output discount information and coupon information along with a payment button on the BLE Noti 411 of the mobile terminal.

At this time, if the user selects the body region indicating the discount information and coupon information on the product benefits screen 410, the detailed screen 510 of the store corresponding to the product benefits screen 410 through the application as shown in FIG. Can be output to the terminal.

In this case, the detailed screen 510 of the store may output more detailed discount and coupon information together with the store information. In addition, a payment button can be output together so that the user can proceed with the payment process at any time.

At this time, when the user selects the payment button displayed on the detailed screen 510 or the product benefit screen 410 of the store, a payment PIN input window (as shown in FIG. 6) to perform the first authentication for the application pay service ( 610 may be output. That is, based on the offline payment processing device linked through the application, the window for the first authentication corresponding to the approval of the corresponding store may be output to the mobile terminal.

In this case, the primary authentication may use a picture image gesture authentication method or a touch gesture authentication method in addition to the PIN number input authentication method.

Thereafter, when the first authentication is completed through the user's PIN input, 2 corresponding to the user who completed the first authentication, that is, the purchaser who completed the first authentication, is displayed on the payment screen 710 of the POS device installed in the store as shown in FIG. 7. Primary authentication information is displayed.

At this time, when the user enters the PIN, the PIN can be transferred to the offline payment processing device to complete the first authentication. In addition, when the first authentication is completed, the offline payment processing device may transmit information such as a picture or a phone number of the buyer corresponding to the second authentication information to the POS for the second authentication.

Thereafter, when the user who has completed the first authentication goes to the POS device with a product to purchase and requests a payment from an application pay to a cashier, the cashier may perform the second authentication through the payment screen 710 and then proceed with the payment. For example, the second authentication information such as the user's photo or telephone number may check whether the payer who performed the first authentication in the mobile terminal matches the buyer who wants to purchase the product in the POS.

In this case, the second authentication for the application pay service may proceed after additional authentication according to the second authentication level.

Thereafter, if the payment using the application pay is successful, the payment success message 811 may be transmitted to the mobile terminal of the user as shown in FIG. 8.

In this case, the payment success message 811 may display the name of the paid store, a payment method, and a payment amount.

In addition, when the payment fails, the payment failure message 812 may be transmitted to the mobile terminal of the user, and the payment screen 813 may be output again to the mobile terminal in order to perform the payment again.

In this case, the payment screen 813 may output a payment button or a barcode for application pay payment.

9 to 15, when a user who is a non-member of an application pay service enters an offline store in a payment method through BLE PUSH according to an embodiment of the present invention, a product is installed through an application installed in a mobile terminal as shown in FIG. 9. The benefit screen 910 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and exposes the product benefits screen 910 including the discount information and coupon information in the store included in the BLE signal to the mobile terminal. Can be.

In this case, when the mobile terminal is locked, the product benefit screen 910 outputs discount information and coupon information to the lockscreen 912 of the terminal, but the payment button may not be output because it is a non-member of the application pay service. .

In addition, the product benefit screen 910 may output the discount information and coupon information to the BLE Noti (911) of the mobile terminal.

At this time, if the user selects the body area indicating the discount information and coupon information on the product benefits screen 910, the detailed screen 1010 of the store shown in Figure 10 corresponding to the product benefits screen 910 to the mobile terminal You can print

In this case, the detailed screen 1010 of the store may output more detailed discount and coupon information together with the store information. In addition, a pay app subscription button for subscribing to an application pay service may be output together so that a user may subscribe to a service for payment at any time.

At this time, if the user selects the pay app subscription button, as shown in Figure 11 based on the offline payment processing system can be output to the mobile terminal of the user agreement terminal 1110 necessary to subscribe to the application pay service.

Thereafter, if the user agrees to the terms and conditions, as shown in FIG. 12, the user authentication screen 1210 may be output to the mobile terminal to authenticate the user.

At this time, the user authentication may be performed by inputting a user's name, social security number, communication company and mobile phone number, and the like, and inputting an authentication number.

Thereafter, when the user's identity authentication is completed, the payment PIN registration screen 1310 may be output to the mobile terminal in order to register the payment PIN number used for the first authentication in the application pay service as shown in FIG. 13.

Thereafter, the card information registration screen 1410 may be output to the mobile terminal as shown in FIG. 14 to register the card to be used in the application pay service.

Thereafter, after inputting all the information, the subscription confirmation screen 1510 is finally outputted as shown in FIG. 15, and when the user selects confirmation, the subscription may be completed.

Thereafter, the user may provide an application pay service after performing a first authentication through a PIN number by outputting a payment button to the user's mobile terminal.

Referring to FIG. 16, the offline payment processing method according to an embodiment of the present invention obtains check-in information corresponding to a store where a user enters (S1610).

In addition, the offline payment processing method according to an embodiment of the present invention receives the first authentication information for the first authentication corresponding to the approval of the purchase corresponding to the store from the mobile terminal (S1620).

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S1625). That is, it may be checked whether the primary authentication is released by satisfying the release condition.

If the primary authentication is not valid as a result of the determination in step S1625, the primary authentication information may be received to perform the primary authentication again.

In addition, if the primary authentication is valid as a result of the determination in step S1625, the offline payment processing method according to an embodiment of the present invention generates secondary authentication information for secondary authentication dependent on the primary authentication, thereby generating a mobile terminal and It transmits to at least one of the POS corresponding to the store (S1630). For example, after the first authentication, the user may determine a product or service that the user wants to purchase in the store and deliver the same to the POS of the store. In this case, the second authentication may be performed at the POS and may be performed using at least one of the user's mobile terminal and the POS. Therefore, the second authentication information for the second authentication may be generated and transmitted to at least one of the mobile terminal and the POS.

In addition, the offline payment processing method according to an embodiment of the present invention performs the offline payment in the store based on the second authentication result using the second authentication information (S1640). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

In addition, although not shown in Figure 16, the offline payment processing method according to an embodiment of the present invention transmits and receives information necessary for offline payment processing with the mobile terminal of the user through a communication network, such as a network. In particular, it is possible to receive information for performing check-in, primary authentication and secondary authentication from the mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal.

In addition, although not shown in Figure 16, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage module for storing information may be configured independently of the offline payment processing device to support a function for an offline payment processing service. In this case, the storage module may operate as a separate mass storage and may include a control function for performing an operation.

Through such an offline payment processing method, when a user performs offline payment using a mobile terminal, it may provide higher safety based on 2-channel authentication.

Referring to FIG. 17, the offline payment processing method according to an embodiment of the present invention obtains check-in information corresponding to a store where a user enters (S1710).

In addition, the offline payment processing method according to an embodiment of the present invention performs the first authentication corresponding to the approval for the purchase corresponding to the store (S1720). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S1725).

If the primary authentication is invalid as a result of the determination in step S1725, the primary authentication may be performed.

In addition, if the primary authentication is valid as a result of the determination in step S1725, the offline payment processing method according to an embodiment of the present invention generates secondary authentication information for secondary authentication dependent on the primary authentication (S1730). . In this case, the second authentication information may correspond to information such as a picture or a phone number of the user who uses the mobile terminal.

In addition, the offline payment processing method according to an embodiment of the present invention transmits the second authentication information to any one of the server and the POS corresponding to the store to perform the offline payment in the store, and receives the result of the offline payment (S1740). For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

Referring to FIG. 18, in the process of improving the primary authentication level of primary authentication in the offline payment processing method illustrated in FIG. 16, first, a monitoring result of the mobile terminal is obtained based on check-in information (S1810). In other words, if something unusual is found in the monitoring results, the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.

Thereafter, it is determined whether the monitoring result satisfies the first authentication level improvement condition (S1815).

At this time, if the monitoring result, the time before the first authentication is performed after obtaining the check-in information exceeds the predetermined reference authentication time, at least one of the number of mobile frauds that occurred in the store exceeds the predetermined reference number In this case, it may be determined that the first authentication level improvement condition is satisfied. In other words, if a user with a mobile terminal enters a store, it takes an unusually long time before performing the first authentication, or if the store where the user enters is a store where frequent mobile fraud occurs. In order to secure payment, the first authentication level for the first authentication can be improved.

If the result of the determination in step S1815 monitors that the first authentication level enhancement condition is satisfied, a procedure of inputting a PIN is added to improve the first authentication level (S1820). For example, when the first authentication level is increased, the keyboard of the mobile terminal may be changed every time a PIN is input, rather than a simple PIN input. In addition, a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used. In addition, when the PIN is input, if an earphone or a headphone is connected to the audio jack of the mobile terminal and listening to music, a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.

In addition, if the determination result monitoring result of step S1815 does not satisfy the first authentication level improvement condition, the first authentication may be performed without improving the first authentication level.

Referring to FIG. 19, in the process of improving the second authentication level of the second authentication in the offline payment processing method illustrated in FIG. 16, first, a monitoring result of the mobile terminal is obtained until the product is submitted to the POS (S1910). That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.

Thereafter, it is determined whether the monitoring result satisfies the secondary authentication level improvement condition (S1915).

At this time, when the monitoring result exceeds the preset reference purchase time from the first authentication until the product is submitted to the POS, the travel distance of the mobile terminal after the first authentication exceeds the preset reference travel distance, and After the first authentication, it may be determined that the second authentication level improvement condition is satisfied when the moving speed of the mobile terminal corresponds to at least one of the cases in which the preset moving speed exceeds the preset reference moving speed.

If the monitoring result satisfies the second authentication level improvement condition in step S1915, additional authentication information is generated based on at least one of a sign pad connected to the mobile terminal and the POS (S1920).

Thereafter, the additional authentication information is transmitted to at least one of the mobile terminal and the POS in order to perform additional authentication (S1930).

In addition, if the monitoring result of the determination result of step S1915 does not satisfy the condition for improving the secondary authentication level, the secondary authentication may be performed without improving the secondary authentication level.

Referring to FIG. 20, a payment system using an application pay according to an embodiment of the present invention includes an application server 2110, a terminal 2120, a POS device 2130, a BLE server 2140, and a BLE device 2150. Include.

The application server 2110 may be a server that provides an application 2111 for performing payment with information related to payment to the user's terminal 2120 to perform a procedure related to payment. In this case, the application server 2110 may transmit and receive data through a network.

In this case, the application server 2110 may be an offline payment processing apparatus according to an embodiment of the present invention. In addition, the application server 2110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a passage for transferring data between the application server 2110 and the terminal 2120, and is a concept encompassing both a network that is used in the future and a network that can be developed in the future. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In addition, the network used between the application server 2110 and the terminal 2120 in FIG. 20 is different from the network used between the application server 2120 and the POS device 2130 and the BLE server 2140 and the terminal 2120. May be the same or may be the same.

The terminal 2120 receives information corresponding to product payment from the application server 2110 using an application and provides the same to the user.

In this case, the terminal 2120 is a device that is connected to a communication network and executes an application, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 2120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in connection with the function control of the terminal 2120 to the controller through the input unit. In addition, the input unit of the terminal 2120 may include at least one of a keypad and a touch pad for generating an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 2120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 2120 to simultaneously perform input and display functions. In addition, in addition to an input device such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 2120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 2120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 2120 based on an optimal card recommendation system.

In addition, the display unit of the terminal 2120 may display information on a series of operation states and operation results generated while the function of the terminal 2120 is performed. In addition, the display unit of the terminal 2120 may display a menu of the terminal 2120 and user data input by the user. The display unit of the terminal 2120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 2120 is configured in the form of a touch screen, the display unit of the terminal 2120 may perform some or all of the functions of the input unit of the terminal 2120. In particular, the display unit of the terminal 2120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.

In addition, the storage unit of the terminal 2120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 2120. The storage unit of the terminal 2120 may largely include a program area and a data area. In this case, when the terminal 2120 activates each function in response to a user's request, the terminal 2120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 2120 according to the present invention may store an operating system for booting the terminal 2120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 2120 may store a content DB storing a plurality of contents and information of the terminal 2120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 2120 may include terminal specification information.

In addition, the communication unit of the terminal 2120 may perform a function for transmitting and receiving data with the application server 2110 through a network. The communication unit of the terminal 2120 may include RF transmitting means for up-converting and amplifying a frequency of a transmitted signal, and RF receiving means for low-noise amplifying and down-converting a received signal. The communication unit of the terminal 2120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 2120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 2110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 2110. That is, the terminal 2120 may access a network using a wireless communication module or a wired communication module, and may transmit and receive data with the application server 2110 through the network. In particular, in the network according to the present invention, the terminal 2120, the application server 2110, and the BLE server 2140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.

In addition, the controller of the terminal 2120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 2110. In the case of accessing the application server 2110 through a separate service application, the overall process of executing the service application may be controlled according to a user's request, and at the same time, a service use request is sent to the application server 2110. It may be controlled to be transmitted, and at this time, the information of the terminal 2120 required for user authentication may be transmitted together.

In addition, the controller of the terminal 2120 may execute specific content stored in the storage unit of the terminal 2120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the user terminal 2120 is installed with an application for the application pay service, it may correspond to the terminal 2120 of the user subscribed to the application pay service.

The POS device 2130 is a device for performing payment of goods at the store 2160 and may correspond to a device capable of performing an application pay service based on communication with the application server 2110.

The BLE server 2140 may be a server for locating the terminal 2120 and providing information by using a Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even though the user of the terminal 2120 does not take any action, the user of the terminal 2120 may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor location positioning, automatic check-in, and geofencing based on proximity positioning. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 150 illustrated in FIG. 20 may correspond to a beacon.

For example, by installing a beacon at a specific place in the store 2160, when a user and a customer having the terminal 2120 enter the area of the BLE beacon, the terminal 2120 may detect the corresponding terminal 2120 and transmit a signal including information. .

The store 2160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store where the application pay agent and the BLE device 150 are installed.

First, the user may enter the store 2160 with the terminal 2120.

In this case, the beacon, which is a BLE-based short-range data communication technology, may be used to detect that the user enters the store 2160.

That is, according to the present invention, the BLE signal transmitted from the BLE device 150, which is a beacon located in the store 2160, may be received by the Bluetooth-enabled terminal 2120 using the BLE SDK 2141. At this time, the BLE signal may be received through the application 2111 installed based on the BLE SDK 2141. Thereafter, when the terminal 2120 transmits information included in the BLE signal to the BLE server 2140, the BLE server 2140 may provide the terminal 2120 with information related to BLE benefits corresponding to the BLE signal. .

Thereafter, the terminal 2120 may access the application server 2110 based on the BLE benefit information received from the BLE server 2140 through the application.

In this case, the application server 2110 may include at least one module for performing payment.

For example, the application server 2110 may include a membership providing module that may provide membership information based on user information of the terminal 2120 and store information corresponding to the store 2160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server 2110 may include an application pay payment module for performing a payment through an application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 2160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

For another example, the application server 2110, through the membership providing module, along with membership information, coupon information for the user or coupons available in the store 2160, benefits information for the event or marketing in progress in the store 2160, etc. It may include a store information providing module that can provide. For example, the store information providing module searches for a gift icon or a coupon that can be used in the store 2160 by the user and provides the application server 2110 with the application server 2110, so that the user can display the gift icon or the application through the application installed in the terminal 2120. You can use the coupon. In addition, the store information providing module provides the application server 2110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention. In operation 2160, information about an ongoing event and marketing may be provided to the user terminal 2120.

Thereafter, a user accessing the application server 2110 through the terminal 2120 may perform pre-authentication in the application pay service to purchase a product in the store 2160. For example, the BLE device 2150 may enter a step for pre-authentication by receiving a purchase-related push message and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 2110 or corresponding to the application server 2110 receives the corresponding first authentication information of the first authentication performed by the terminal 2120 to determine whether to authenticate. You can judge.

Thereafter, the user moves to the POS device 2130 with the product to be purchased at the store 2160, and expresses a willingness to pay through an application pay at a store clerk of the store 2160, and performs a second authentication for product purchase and payment. can do.

For example, as a second authentication method, a user has a terminal 2120 and is located in a zone for payment near the POS device 2130, and inputs a movement gesture pattern using the terminal 2120 within a payment zone. A method of inputting a touch pattern to a sign pad included in the POS device 2130, a method of generating an intersection point on the sign pad, a question answering method, and the like.

In addition, in the second authentication, after the clerk of the store 2160 scans the purchased product, the POS device 2130 may check the user who uses the application pay service and proceed with payment.

Thereafter, when the second authentication is completed, the application server 2110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the terminal 2120 or the POS device 2130 of the user.

When using the payment system using such an application pay, it is more convenient and safe for the user to perform the first authentication at the store 2160 and perform the simple second authentication to pay the goods using the optimal card. It is possible.

Referring to FIG. 21, an offline payment processing apparatus according to an embodiment of the present invention includes a communication unit 2210, a check-in information acquisition unit 2220, a first authentication unit 2230, a second authentication unit 2240, and a payment processing unit. 2250 and storage 2260.

The communication unit 2210 transmits and receives information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, the communication unit 2210 according to an embodiment of the present invention may receive information for performing check-in, first authentication, and second authentication from the mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal. have.

The check-in information obtaining unit 2220 obtains check-in information corresponding to a store entered by the user.

The primary authenticator 2230 receives primary authentication information for primary authentication corresponding to a preauthorization of a purchase corresponding to a store from the mobile terminal.

At this time, the primary authentication may be performed corresponding to the primary authentication level adjusted according to the monitoring result for the mobile terminal obtained based on the check-in information. In other words, if something unusual is found in the monitoring results, the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.

At this time, the first authentication level may be improved by different conditions that may be additionally considered in the first authentication according to the first authentication method. For example, assuming that the primary authentication method corresponds to fingerprint recognition, as the primary authentication level is improved, the user may further request fingerprint recognition of another finger. In addition, in the case of face recognition, the left side or the right side of the face may be recognized in addition to recognizing the front side of the face.

The second authentication unit 2240 reviews the validity of the first authentication, and when the first authentication is valid, for the second authentication dependent on the first authentication, in the form corresponding to the motion pattern for the mobile terminal 2 The car authentication information is generated and transmitted to at least one of a mobile terminal and a POS corresponding to a store. For example, after the first authentication, the user may determine a product or service that the user wants to purchase in the store and deliver the same to the POS of the store. In this case, the second authentication may be performed in a state in which a payment amount of a product to be purchased is input, and the authentication may be performed using at least one of the user's mobile terminal and the POS. Therefore, in the state where the final payment amount is determined, the second authentication information for the second authentication may be generated and transmitted to at least one of the mobile terminal and the POS.

In this case, the second authentication determines whether the mobile terminal exists in the payment area preset based on the POS when the payment amount of the product corresponding to the purchase is input to the POS, and when the mobile terminal is within the payment area. The motion pattern generated by shaking the mobile terminal by the user may be performed by comparing whether the motion pattern coincides with a registered motion pattern registered in advance by the user.

In this case, the motion pattern and the registered motion pattern may be generated by detecting a movement when the user shakes the mobile terminal. For example, when the user shakes the mobile terminal in the order of left-right-left-right, a motion sensor inside the mobile terminal may detect this and generate a motion pattern. That is, the registration motion pattern may correspond to a motion pattern registered in advance using a mobile terminal in order to use the application pay service according to the present invention. Therefore, the user may perform the second authentication by shaking the mobile terminal so that the same motion pattern as the registered motion pattern registered in advance is generated.

In this case, it may be determined whether the mobile terminal of the user exists in the payment area through separate equipment. For example, a speaker that outputs a high frequency of a specific frequency around the POS is installed in a specific direction, and the mobile terminal of the user detects the corresponding high frequency only within the payment area to determine whether the payment area is entered.

Therefore, after the user delivers the product to be purchased to the POS and the payment amount is determined, if the user leaves the payment area with the mobile terminal, the second authentication may not be performed. For example, it may be assumed that a user passes a product to purchase to a POS and then leaves the payment area to purchase additional products after a payment amount is input. At this time, even if a motion pattern is generated by accidentally shaking the mobile terminal outside the payment area, payment may not proceed because the second authentication is not performed.

In addition, even if the registration motion pattern registered in advance by the user and the motion pattern do not match, the second authentication may not be performed and payment may not proceed.

In this case, when the secondary authentication level is improved, the secondary authentication information may be generated by further considering at least one condition of the moving direction, the moving speed, the moving distance, and the size of the payment area when the mobile terminal is shaken. For example, if it is requested to generate the motion pattern using only the left and right directions, when the secondary authentication level is improved, the motion pattern may be requested to use the up and down directions as well.

In addition, a registration motion pattern corresponding to each level of the second authentication level may be registered in advance, and the mobile terminal may be requested to generate the same motion pattern as the corresponding registration motion pattern whenever the second authentication level is adjusted. For example, when the second authentication level is the highest level, the direction, speed, and distance of the mobile terminal are all checked, and the size of the payment area may be relatively narrowed based on the POS. Therefore, the registered motion pattern may be registered in advance in consideration of all moving directions, speeds, and distances in preparation for the case where the secondary authentication level is adjusted to the highest level.

The payment processor 2250 performs offline payment in a store based on the second authentication result using the second authentication information. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

The storage unit 2260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage unit 2260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. At this time, the storage unit 2260 may operate as a separate mass storage, and may include a control function for performing the operation.

By using the offline payment processing device as described above, when the user performs the offline payment using the mobile terminal, it is possible to provide stability and convenience of the offline payment by performing authentication using the motion pattern of the mobile terminal.

In addition, by performing the second authentication based on the first authentication, it is possible to prevent the risk of security that may occur in the purchase process after the first authentication is completed.

In addition, by processing the payment based on pre-authentication, it is possible to safely and conveniently perform offline payment only with a mobile terminal without taking out a wallet or a card separately.

Referring to FIG. 22, another mobile terminal according to an embodiment of the present invention includes a check-in information collection unit 2310, a first authentication performing unit 2320, a second authentication performing unit 2330, and a payment performing unit 2340. Include.

The check-in information collection unit 2310 obtains check-in information corresponding to the store entered by the user.

The first certification performing unit 2320 performs the first certification corresponding to the approval of the purchase corresponding to the store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

When the first authentication is valid, the second authentication performing unit 2330 generates second authentication information corresponding to the motion pattern for the second authentication dependent on the first authentication. In this case, the second authentication information may correspond to a motion pattern generated by shaking the mobile terminal.

For example, if the registered motion pattern is registered corresponding to the motion pattern generated by shaking the mobile terminal up / down once, left / right three times, and when registering the registered motion pattern to perform the second authentication even during payment, Similarly, by shaking the mobile terminal up / down once and left / right three times, the second authentication information corresponding to the motion pattern may be generated.

The payment performing unit 2340 transmits the second authentication information to any one of a server and a POS corresponding to the store in order to perform the offline payment in the store, and receives the result of the offline payment. For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

23 to 27, the payment method through the BLE PUSH according to an embodiment of the present invention, when a user subscribes to the application pay service enters the offline store, goods through the application installed on the mobile terminal as shown in FIG. The benefit screen 2410 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacon installed in the store, and the product benefits screen 2410 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal Can be. That is, the mobile terminal may obtain discount information and coupon information by obtaining check-in information corresponding to the store through the beacon of the store. In addition, the mobile terminal may provide check-in information to the offline payment processing device through the application.

In this case, when the mobile terminal is locked, the product benefit screen 2410 may output discount information and coupon information together with a payment button on the lockscreen 2412 of the mobile terminal.

In addition, the product benefit screen 2410 may output discount information and coupon information together with a payment button on the BLE Noti 2411 of the mobile terminal.

At this time, if the user selects the body area indicating the discount information and coupon information on the product benefits screen 2410, the detailed screen 2510 of the store corresponding to the product benefits screen 2410 through the application as shown in FIG. Can be output to the terminal.

At this time, when the user selects the payment button displayed on the detailed screen 2510 or the product benefit screen 2410 of the store, a payment PIN input window (see FIG. 25) is performed to perform the first authentication for the application pay service. 2610 may be output. That is, based on the offline payment processing device linked through the application, the window for the first authentication corresponding to the approval of the corresponding store may be output to the mobile terminal.

In this case, the first authentication may use a picture image gesture authentication method, a touch gesture authentication method, a fingerprint recognition, a face recognition, and a voice recognition in addition to the PIN number input authentication method.

At this time, when the user enters the PIN, the PIN can be transferred to the offline payment processing device to complete the first authentication. In addition, when the first authentication is completed, the offline payment processing device displays information such as a purchaser's photo or telephone number corresponding to the second authentication information or a registered motion pattern that the user has previously registered through the application for the second authentication. Can be sent to the POS.

Thereafter, information corresponding to a user who has completed primary authentication, that is, a buyer who has completed primary authentication may be displayed on the payment screen 2710 on the POS device installed in the store as shown in FIG. 26.

For example, as shown in FIG. 26, when a user delivers a product to be purchased to a POS device, a payment amount of the corresponding product is input and the amount is determined, and thereafter, the user may request to perform second authentication for application pay. .

At this time, according to the present invention, the user may perform the second authentication by shaking the mobile terminal in a preset payment area near the POS device to generate the same motion pattern as the registered motion pattern registered in advance.

Thereafter, when the second authentication is completed and the payment using the application pay is successful, the payment success message 2811 may be transmitted to the user's mobile terminal as shown in FIG. 27.

In this case, the payment success message 2811 may display the name of the paid store, a payment method, and a payment amount.

In addition, when the payment fails, the payment failure message 2812 may be transmitted to the user's mobile terminal, and the payment screen 2813 may be output to the mobile terminal in order to perform the payment again.

At this time, the checkout screen 2813 may output a payment button or a barcode for application payment.

28 to 34, when a user who is a non-member of an application pay service enters an offline store in a payment method through BLE PUSH according to an embodiment of the present invention, a product is installed through an application installed in a mobile terminal as shown in FIG. 28. The benefit screen 2910 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and the product benefit screen 2910 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal Can be.

In this case, when the mobile terminal is locked, the product benefit screen 2910 outputs discount information and coupon information to the lockscreen 2912 of the terminal, but the payment button may not be output because the non-member of the application pay service. .

Also, the product benefit screen 2910 may output discount information and coupon information to the BLE Noti 2911 of the mobile terminal.

At this time, if the user selects the body area indicating the discount information and coupon information on the product benefit screen 2910, the detailed screen 3010 of the store as shown in Figure 29 corresponding to the product benefit screen 2910 to the mobile terminal You can print

At this time, the detailed screen 3010 of the store may output more detailed discount and coupon information together with the store information. In addition, a pay app subscription button for subscribing to an application pay service may be output together so that a user may subscribe to a service for payment at any time.

At this time, if the user selects the button to join the pay app, as shown in Figure 30 based on the offline payment processing system can be output to the mobile terminal of the user agreement terminal 3110 necessary to subscribe to the application pay service.

Thereafter, if the user agrees to the terms and conditions, the user authentication screen 3210 may be output to the mobile terminal to perform authentication of the user as shown in FIG. 31.

Thereafter, when the user authentication is completed, the payment PIN registration screen 3310 may be output to the mobile terminal in order to register the payment PIN number used for the first authentication in the application pay service as shown in FIG. 13.

In this case, not only the payment PIN registration screen 3310 according to the primary authentication method but also a registration screen of various authentication means such as a fingerprint registration screen and a voice registration screen may be output.

Thereafter, the card information registration screen 3410 may be output to the mobile terminal as shown in FIG. 14 to register a card for use in the application pay service.

Thereafter, after all the information is input, the subscription confirmation screen 3510 is finally output as shown in FIG. 34, and when the user selects confirmation, the subscription may be completed.

Referring to FIG. 35, a user may register a registration motion pattern using a mobile terminal before using a service in order to use an application pay service.

For example, in a process of subscribing to an application pay service, a registered motion pattern for second authentication may be registered through the registered motion pattern registration screen 3610 as shown in FIG. 35.

At this time, the registration motion pattern can be registered by shaking the mobile terminal as shown in FIG. For example, a motion sensor embedded in the mobile terminal may sense a direction in which the user moves the mobile terminal, a moving speed, and a moving distance, and generate a registered motion pattern using the detected data.

At this time, a registration motion pattern suitable for each level may be registered according to the level of the secondary authentication level.

For example, it may be assumed that the secondary authentication level exists from the basic first level to the third level in order of increasing security.

In this case, when the second authentication level corresponds to the first level, the registration motion pattern may be generated considering only the moving direction of the mobile terminal.

In addition, when the second authentication level corresponds to the second level, the registration motion pattern may be generated in consideration of the moving direction of the mobile terminal and the moving speed. That is, if it is assumed that the registered motion pattern generated at the first level was (left, right, left), it may be generated at the second level (fast left, fast right, slow left).

Finally, if the second authentication level corresponds to the third level, the registration motion pattern may be generated in consideration of the moving direction, the moving speed, and the moving distance of the mobile terminal. That is, the registered motion pattern may be generated by adding a moving distance to the registered motion pattern generated at the second level (short fast left, long fast right, and long slow left).

Referring to FIG. 36, the offline payment processing method according to an embodiment of the present invention obtains check-in information corresponding to a store where a user enters (S3710).

In addition, the offline payment processing method according to an embodiment of the present invention receives the first authentication information for the first authentication corresponding to the approval of the purchase corresponding to the store from the mobile terminal (S3720).

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S3725).

Thereafter, if the primary authentication is valid as a result of the determination in step S3725, the offline payment processing method according to an embodiment of the present invention is for secondary authentication dependent on the primary authentication, and is applied to the motion pattern for the mobile terminal. The second authentication information is generated in a corresponding form and transmitted to at least one of the POS corresponding to the mobile terminal and the store (S3730). For example, after the first authentication, the user may determine a product or service that the user wants to purchase in the store and deliver the same to the POS of the store. In this case, the second authentication may be performed in a state in which a payment amount of a product to be purchased is input, and the authentication may be performed using at least one of the user's mobile terminal and the POS. Therefore, in the state where the final payment amount is determined, the second authentication information for the second authentication may be generated and transmitted to at least one of the mobile terminal and the POS.

In addition, if the primary authentication is not valid as a result of the determination in step S3725, the primary authentication information may be received to perform the primary authentication again.

In addition, the offline payment processing method according to an embodiment of the present invention performs the offline payment in the store based on the second authentication result using the second authentication information (S3740). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

In addition, although not shown in FIG. 36, the offline payment processing method according to an embodiment of the present invention transmits and receives information required for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, it is possible to receive information for performing check-in, primary authentication and secondary authentication from the mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal.

In addition, although not shown in Figure 36, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

Through the offline payment processing method as described above, when the user performs offline payment using the mobile terminal, the user may provide stability and convenience of offline payment by performing authentication using a motion pattern of the mobile terminal.

Referring to FIG. 37, the offline payment processing method according to an embodiment of the present invention obtains check-in information corresponding to a store where a user enters (S3810).

In addition, the offline payment processing method according to an embodiment of the present invention performs the first authentication corresponding to the pre-approval for the purchase corresponding to the store (S3820). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S3825).

If the primary authentication is invalid as a result of the determination in step S3825, the primary authentication may be performed.

In addition, if the primary authentication is valid as a result of the determination in step S3825, the offline payment processing method according to an embodiment of the present invention may include secondary authentication information corresponding to the motion pattern for secondary authentication dependent on the primary authentication. Create At this time, the second authentication information may correspond to the motion pattern generated by shaking the mobile terminal (S3830).

In addition, the offline payment processing method according to an embodiment of the present invention transmits the second authentication information to any one of the server and the POS corresponding to the store to perform the offline payment in the store, and receives the result of the offline payment (S3840). For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

Referring to FIG. 38, in the process of improving the second authentication level of the second authentication in the offline payment processing method illustrated in FIG. 36, first, a monitoring result of the mobile terminal is obtained until the product is submitted to the POS (S3910). That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.

Thereafter, it is determined whether the monitoring result satisfies the secondary authentication level improvement condition (S3915).

When the monitoring result satisfies the second authentication level improvement condition in step S3915, when generating a motion pattern through the mobile terminal, at least one of a moving direction, a moving speed, a moving distance, and a size of the payment area may be further considered. Generate security enhanced secondary authentication information (S3920). That is, the second authentication level may be improved by generating second authentication information with enhanced security and performing second authentication.

Thereafter, secondary authentication information generated to perform secondary authentication with improved secondary authentication level is transmitted to at least one of the mobile terminal and the POS (S3940).

In addition, if the monitoring result of the determination result in step S3915 does not satisfy the condition for improving the secondary authentication level, secondary authentication may be performed without improving the secondary authentication level (S3930).

Referring to FIG. 39, in the process of improving the primary authentication level of primary authentication in the offline payment processing method illustrated in FIG. 36, first, a monitoring result of the mobile terminal is obtained based on check-in information (S4010). In other words, if something unusual is found in the monitoring results, the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.

Thereafter, it is determined whether the monitoring result satisfies the first authentication level improvement condition (S4015).

If the monitoring result of the determination result in step S4015 satisfies the first authentication level improvement condition, the first authentication level is improved by adding an element considered in the first authentication according to the first authentication method (S4020). For example, assuming that the primary authentication method is a PIN input, when the primary authentication level increases, the keyboard of the mobile terminal may be changed every time the PIN is input, rather than a simple PIN input. In addition, a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used. In addition, when the PIN is input, if an earphone or a headphone is connected to the audio jack of the mobile terminal and listening to music, a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.

In addition, if the determination result monitoring result of step S4015 does not satisfy the first authentication level improvement condition, the first authentication may be performed without improving the first authentication level.

Referring to FIG. 40, a payment system using an application pay according to an embodiment of the present invention includes an application server 4110, a terminal 4120, a POS device 4130, a BLE server 4140, and a BLE device 4150. Include.

The application server 4110 may be a server that performs an application related to payment by providing an application 4111 for performing payment with information related to payment to the user terminal 120. In this case, the application server 4110 may transmit and receive data through a network.

At this time, the application server 4110 may be an offline payment processing apparatus according to an embodiment of the present invention. In addition, the application server 4110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a passage for transferring data between the application server 4110 and the terminal 4120, and is a concept encompassing both an existing network and a future developable network. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In addition, in FIG. 40, the network used between the application server 4110 and the terminal 4120 is different from the network used between the application server 4120 and the POS device 4130 and the BLE server 4140 and the terminal 4120. May be the same or may be the same.

The terminal 4120 receives information corresponding to product payment from the application server 4110 using an application and provides the same to the user.

In this case, the terminal 4120 is a device that is connected to a communication network to execute an application, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 4120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in relation to the function control of the terminal 4120 to the controller through the input unit. In addition, the input unit of the terminal 4120 may include at least one of a keypad and a touch pad for generating an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 4120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 4120 to simultaneously perform input and display functions. In addition, in addition to input devices such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 4120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 4120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 4120 based on an optimal card recommendation system.

In addition, the display unit of the terminal 4120 may display information on a series of operation states and operation results generated while the function of the terminal 4120 is performed. In addition, the display unit of the terminal 4120 may display a menu of the terminal 4120 and user data input by the user. The display unit of the terminal 4120 includes a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 4120 is configured as a touch screen, the display unit of the terminal 4120 may perform some or all of the functions of the input unit of the terminal 4120. In particular, the display unit of the terminal 4120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on a screen.

In addition, the storage unit of the terminal 4120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 4120. The storage unit of the terminal 4120 may largely include a program area and a data area. In this case, when the terminal 4120 activates each function in response to a user's request, the terminal 4120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 4120 according to the present invention may store an operating system for booting the terminal 4120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 4120 may store a content DB storing a plurality of contents and information of the terminal 4120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 4120 may include terminal specification information.

In addition, the communication unit of the terminal 4120 may perform a function for transmitting and receiving data with the application server 4110 through a network. The communication unit of the terminal 4120 may include RF transmission means for up-converting and amplifying a frequency of a transmitted signal, and RF reception means for low-noise-amplifying and down-converting a received signal. The communication unit of the terminal 4120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 4120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 4110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 4110. That is, the terminal 4120 may access a network using a wireless communication module or a wired communication module, and may transmit / receive data with the application server 4110 through the network. In particular, in the network according to the present invention, the terminal 4120, the application server 4110, and the BLE server 4140 may communicate with each other to transmit and receive data necessary for recommending the optimal card based on the optimal card recommendation system.

In addition, the controller of the terminal 4120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 4110. In the case of accessing the application server 4110 through a separate service application, the entire process of executing the service application may be controlled according to a user's request, and at the same time, a request for service use is transmitted to the application server 4110. It may be controlled to be transmitted, and at this time, the information of the terminal 4120 required for user authentication may be transmitted together.

In addition, the controller of the terminal 4120 may execute specific content stored in the storage unit of the terminal 4120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the user terminal 4120 is installed with an application for the application pay service, and may correspond to the terminal 4120 of the user subscribed to the application pay service.

The POS device 4130 is a device for performing payment of goods in the store 4160 and may correspond to a device capable of performing an application pay service based on communication with the application server 4110.

The BLE server 4140 may be a server for identifying a location of the terminal 4120 and providing information by using a Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even though the user of the terminal 4120 does not take any action, the user of the terminal 4120 may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor location positioning, automatic check-in, and geofencing based on proximity positioning. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 4150 illustrated in FIG. 40 may correspond to a beacon.

For example, when a user and a customer having the terminal 4120 enter a region of the BLE beacon by installing a beacon at a specific place in the store 4160, the terminal 4120 may detect the corresponding terminal 4120 and transmit a signal including information. .

The store 4160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store in which an application pay agent and a BLE device 4150 are installed.

First, the user may enter the store 4160 with the terminal 4120.

At this time, the beacon, which is a BLE-based short-range data communication technology, may be used to detect that the user enters the store 4160.

That is, according to the present invention, the BLE signal transmitted from the BLE device 4150, which is a beacon located in the store 4160, may be received by the Bluetooth-enabled terminal 4120 using the BLE SDK 4141. At this time, the BLE signal may be received through the application 4111 installed based on the BLE SDK 4141. Thereafter, when the terminal 4120 transmits information included in the BLE signal to the BLE server 4140, the BLE server 4140 may provide the terminal 4120 with information related to the BLE benefit corresponding to the BLE signal. .

Thereafter, the terminal 4120 may access the application server 4110 based on the BLE benefit information received from the BLE server 4140 through the application.

In this case, the application server 4110 may include at least one module for performing payment.

For example, the application server 4110 may include a membership providing module that may provide membership information based on user information of the terminal 4120 and store information corresponding to the store 4160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

As another example, the application server 4110 may include an application pay payment module for performing a payment through an application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product at the store 4160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

For another example, the application server 4110 may use the membership providing module, together with membership information, offer information on coupons or gifticons that can be used by the user in the store 4160, event and marketing information in progress in the store 4160, and the like. It may include a store information providing module that can provide. For example, the store information providing module provides the application server 4110 by searching for the gift icons or coupons that the user can use in the store 4160 through the application, so that the user can display the gift icons through the application installed on the terminal 4120. You can use the coupon. In addition, the store information providing module provides the application server 4110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention, such that the user visits the store. In operation 4160, information about the event and the marketing in progress may be provided to the user terminal 4120.

Thereafter, a user accessing the application server 4110 through the terminal 4120 may perform pre-authentication in an application pay service to purchase a product in the store 4160. For example, the user may enter a step for pre-authentication by receiving a purchase-related push message through the BLE device 4150 and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 4110 or corresponding to the application server 4110 receives the corresponding first authentication information of the first authentication performed by the terminal 4120 to determine whether to authenticate. You can judge.

Thereafter, the user moves to the POS device 4130 with the product to be purchased at the store 4160, indicates the intention that the cashier of the store 4160 pays through the application pay, and performs the second authentication for the purchase and payment of the product. can do.

For example, as the second authentication method, a user has a terminal 4120 and is located in a zone for payment near the POS device 4130, and inputs a movement gesture pattern using the terminal 4120 in the payment zone. A method of inputting a touch pattern to a sign pad included in the POS device 4130, a method of generating an intersection point on the sign pad, a question answering method, and the like.

In addition, in the second authentication, after the clerk of the store 4160 scans the purchased goods, the POS device 4130 may check the user who uses the application pay service and proceed with payment.

Thereafter, when the second authentication is completed, the application server 4110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the user terminal 4120 or the POS device 4130.

When using the payment system using such an application pay, it is more convenient and safe for the user to perform the first authentication at the store 4160 and perform a simple second authentication to pay for the product using the optimal card. It is possible.

Referring to FIG. 41, an offline payment processing apparatus according to an embodiment of the present invention includes a communication unit 4210, a check-in information obtaining unit 4220, a first authentication unit 4230, a second authentication unit 4240, and a payment processing unit. 4250 and storage 4260.

The communication unit 4210 serves to transmit and receive information necessary for offline payment processing with the mobile terminal of the user through a communication network such as a network. In particular, the communication unit 4210 according to an embodiment of the present invention may receive information for performing check-in, first authentication, and second authentication from a mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal. have.

The check-in information obtaining unit 4220 acquires check-in information corresponding to a store entered by the user.

The primary authenticator 4230 receives primary authentication information for primary authentication corresponding to a pre-approval for a purchase corresponding to a store from the mobile terminal.

The secondary authentication unit 4240 examines whether the primary authentication is valid, and if the primary authentication is valid, the secondary authentication unit is dependent on the primary authentication and is performed based on whether the mobile terminal is located in a predetermined payment area. Perform authentication.

At this time, when the mobile terminal receives the authentication signal for the second authentication, it may be determined that the mobile terminal is located within the preset payment area, and the second authentication may be performed.

At this time, the authentication is installed within a predetermined distance based on the POS corresponding to the store, including at least one of a beacon device for transmitting a Bluetooth Low Energy (BLE) based beacon signal and a speaker for outputting a high frequency signal of a specific frequency. The authentication signal may be transmitted to the mobile terminal using the signal transmission device. That is, the authentication signal may correspond to a high frequency or beacon signal corresponding to a specific frequency.

For example, it may be assumed that a high frequency speaker is installed in a direction for generating a payment area around a POS to output a high frequency of a specific frequency that can be detected by the mobile terminal. At this time, it can be seen that the mobile terminal is located within the payment area capable of performing the second authentication by receiving the high frequency output from the speaker.

As another example, it may be assumed that a beacon device based on a Bluetooth low energy (BLE) technology is installed to generate a payment area around a POS to transmit a beacon signal that can be detected by a mobile terminal. At this time, it may be understood that the mobile terminal is located in the payment area capable of performing the second authentication by receiving the corresponding beacon signal.

In this case, the second authentication level may be improved by performing at least one of adjusting the size of the payment area and additional authentication.

At this time, the size of the payment area may be adjusted by adjusting the signal strength of the authentication signal.

For example, by controlling the power of a beacon device that transmits a beacon signal or a speaker that generates a high frequency of a specific frequency by adjusting the size of the preset payment area smaller than the existing size payment area that the mobile terminal is generated closer to the POS Security can be enhanced by allowing secondary authentication to be performed only when entering.

In addition, for example, when the mobile terminal receives an authentication signal and detects that the mobile terminal is located in the payment area, additional authentication such as performing a touch input for payment to a sign pad connected to the POS is performed. It can also improve the security of the secondary authentication level. In this case, there may be various methods of additional authentication, including inputting a motion gesture pattern using a user's mobile terminal or a question and answer method based on information included in the mobile terminal.

At this time, according to the level of the second authentication level, the size of a predetermined payment area or an additional authentication method may be set in advance.

For example, it can be assumed that the secondary authentication level exists from the basic first level to the third level where security is gradually increased. If the second authentication level corresponds to the first level, the second authentication may be performed by adjusting the strength of the authentication signal so that a radius of 3 meters is set to the payment area based on the POS. In addition, if the second authentication level corresponds to the second level, the second authentication may be performed by adjusting the strength of the authentication signal so that a radius of 2 meters is a payment area based on the POS. In addition, if the second authentication level corresponds to the third level, the second authentication is set to perform authentication through a sign pad touch input after setting a radius of 2 meters based on the POS to be the payment area in the same way as the second level. Can be performed.

In addition, secondary authentication may correspond to authentication dependent on primary authentication. That is, based on the first authentication using the mobile terminal, the second authentication information for the second authentication is provided to the POS of the store, and the POS uses the second authentication information provided to the second authentication for the user who wants to purchase the product. Can be done.

The payment processor 4250 performs offline payment in a store based on the result of the second authentication. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

The storage unit 4260 stores various information generated in the offline payment processing service process according to the embodiment of the present invention as described above.

According to an embodiment, the storage unit 4260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. At this time, the storage unit 4260 may operate as a separate mass storage, and may include a control function for performing the operation.

By using such an offline payment processing device, when a user performs offline payment using a mobile terminal, the user can provide convenience of payment by performing the second authentication only by entering the payment area near the POS with the mobile terminal. have.

In addition, it is possible to provide a more stable offline payment system by varying the authentication level for payment according to the monitoring situation before payment.

Referring to FIG. 42, another mobile terminal according to an embodiment of the present invention includes a check-in information collecting unit 4310, a first authentication performing unit 4320, a second authentication performing unit 4330, and a payment performing unit 4340. Include.

The check-in information collection unit 4310 obtains check-in information corresponding to the store entered by the user.

The first certification performing unit 4320 performs the first certification corresponding to the approval of the purchase corresponding to the store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

When the first authentication is valid, the second authentication performing unit 4330 generates the second authentication information based on whether it is located within a predetermined payment area for the second authentication dependent on the first authentication.

In this case, the second authentication information may correspond to information for confirming in the offline payment processing apparatus that the mobile terminal receives the authentication signal through the authentication signal transmission apparatus by being located in a predetermined payment area. That is, the second authentication may be performed by notifying the offline payment processing apparatus or the server of the information that the mobile terminal is located in the payment area.

In addition, according to the second authentication level corresponding to the second authentication, information corresponding to the additional authentication may be transmitted to the offline payment processing apparatus or the server together with the information that the mobile terminal is located in the predetermined payment area.

For example, when the second authentication level is improved, additional authentication may be performed using a sign pad connected to a mobile terminal or a POS. At this time, the second authentication including the additional authentication may be performed by generating the second authentication information including the information related to the additional authentication generated through the mobile terminal or the sign pad.

The payment performing unit 4340 transmits the second authentication information to any one of a server and a POS corresponding to the store to perform offline payment in a store, and receives a result of the offline payment. For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

43 to 47, the payment method through the BLE PUSH according to an embodiment of the present invention, when a user who subscribes to the application pay service enters the offline store, the goods through the application installed on the mobile terminal as shown in FIG. The benefit screen 4410 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacon installed in the store, and the product benefits screen 4410 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal. Can be. That is, the mobile terminal may obtain discount information and coupon information by obtaining check-in information corresponding to the store through the beacon of the store. In addition, the mobile terminal may provide check-in information to the offline payment processing device through the application.

In this case, when the mobile terminal is locked, the product benefit screen 4410 may output discount information and coupon information together with a payment button on the lockscreen 4412 of the mobile terminal.

In addition, the product benefit screen 4410 may output discount information and coupon information together with a payment button on the BLE Noti 4411 of the mobile terminal.

At this time, if the user selects the body area indicating the discount information and coupon information on the product benefits screen 4410, the detailed screen 4510 of the store corresponding to the product benefits screen 4410 through the application as shown in FIG. Can be output to the terminal.

In this case, the detailed screen 4510 of the store may output more detailed discount and coupon information together with the store information. In addition, a payment button can be output together so that the user can proceed with the payment process at any time.

At this time, when the user selects the payment button displayed on the detailed screen 4510 or the product benefit screen 4410 of the store, a payment PIN input window (as shown in FIG. 45) is performed to perform the first authentication for the application pay service. 4610). That is, based on the offline payment processing device linked through the application, the window for the first authentication corresponding to the approval of the corresponding store may be output to the mobile terminal.

At this time, when the user enters the PIN, the PIN can be transferred to the offline payment processing device to complete the first authentication.

Thereafter, when the first authentication is completed, the offline payment processing device may determine whether the mobile terminal of the user is located within the preset payment area and perform the second authentication.

At this time, when the mobile terminal receives the authentication signal for the second authentication, it may be determined that the mobile terminal is located within the predetermined payment area.

For example, as shown in FIG. 46, information corresponding to a user who has completed primary authentication, that is, a buyer who has completed primary authentication may be displayed on the payment screen 4710 of the POS corresponding to the store. In this case, when the purchaser who has completed the second authentication moves to the preset payment area with the mobile terminal, the second authentication for offline payment may be performed.

Thereafter, when the payment using the application pay is successful as the second authentication is completed, the payment success message 4811 may be transmitted to the user's mobile terminal as shown in FIG. 47.

In this case, the payment success message 4811 may display the name of the paid store, a payment method, and a payment amount.

In addition, when the payment fails, the payment failure message 4812 may be transmitted to the user's mobile terminal, and the payment screen 4813 may be output to the mobile terminal in order to perform the payment again.

In this case, the payment screen 4813 may output a payment button or a barcode for application pay payment.

48 to 54, when a user who is a non-member of an application pay service enters an offline store in a payment method through BLE PUSH according to an embodiment of the present invention, a product is installed through an application installed in a mobile terminal as shown in FIG. 48. The benefit screen 4910 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and the product benefits screen 4910 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal. Can be.

In this case, the product benefit screen 4910 may output discount information and coupon information to the lockscreen 4912 of the terminal when the mobile terminal is locked, but the payment button may not be output because it is a non-member of the application pay service. .

In addition, the product benefit screen 4910 may output discount information and coupon information to the BLE Noti 4911 of the mobile terminal.

In this case, if the user selects a body region indicating discount information and coupon information on the product benefit screen 4910, the detailed screen 5010 of the store shown in FIG. 49 corresponding to the product benefit screen 4910 may be displayed on the mobile terminal. You can print

In this case, the detailed screen 5010 of the store may output more detailed discount and coupon information together with the store information. In addition, a pay app subscription button for subscribing to an application pay service may be output together so that a user may subscribe to a service for payment at any time.

At this time, if the user selects the button to join the pay app, as shown in Figure 50 based on the offline payment processing system can be output to the mobile terminal of the user agreement terminal agreement screen 5110 required for subscription.

Thereafter, if the user agrees to the terms and conditions, the user authentication screen 5210 may be output to the mobile terminal as shown in FIG. 51 to authenticate the user.

Thereafter, when the user authentication is completed, the payment PIN registration screen 5310 may be output to the mobile terminal in order to register the payment PIN number for the first authentication in the application pay service as shown in FIG. 52.

At this time, not only the payment PIN registration screen 5310 according to the primary authentication method, but also a registration screen of various authentication means such as a fingerprint registration screen and a voice registration screen may be output.

Thereafter, the card information registration screen 5410 may be output to the mobile terminal as shown in FIG. 53 to register the card to be used in the application pay service.

Thereafter, after all the information is input, the subscription confirmation screen 5510 is finally output as shown in FIG. 54, and the subscription may be completed when the user selects confirmation.

Referring to FIG. 55, in the second authentication process according to an embodiment of the present invention, first, whether the first authentication for the

mobile terminals

5631 and 5632 is valid may be checked.

Thereafter, when the primary authentication is valid, it may be determined whether the

mobile terminals

5631 and 5632 are located in the predetermined payment area 5251.

At this time, if the mobile terminals (5631, 5632) receives the authentication signal, it can be determined that the mobile terminals (5631, 5632) is located in the predetermined payment area (5621).

For example, an authentication signal transmission device is installed near the POS 5620 including at least one of a speaker for outputting a high frequency signal of a specific frequency or a beacon device for transmitting a BLE (Bluetooth Low Energy) based beacon signal. When the mobile terminals 5731 and 5632 receive an authentication signal such as a high frequency signal or a beacon signal, it may be determined that the

mobile terminals

5631 and 5632 are located in the predetermined payment area 5221.

Thereafter, in order to notify that the mobile terminals 5731 and 5632 have received the authentication signal to the offline payment processing apparatus 5610, the second terminal authentication information may be generated and transmitted to the offline payment processing apparatus 5610.

In this case, the second authentication information may correspond to information for confirming in the offline payment processing device 5610 that the mobile terminal receives the authentication signal through the authentication signal transmission device by being located in the predetermined payment area 5161. .

In addition, according to the second authentication level corresponding to the second authentication, the offline payment processing device 5610 includes information corresponding to the additional authentication along with the information that the mobile terminals (5631, 5632) is located in the predetermined payment area (5621). Can also be sent to.

In addition, secondary authentication information may be transmitted between the

mobile terminals

5631 and 5632 and the offline payment processing apparatus 5610 via the application server. For example, when the second authentication information is transmitted through an application corresponding to an application pay service installed in the mobile terminals 5611 and 5632, the corresponding information is first transmitted to the application server, and then the application server sends the second authentication information. May be transferred to the offline payment processing apparatus 5610.

Thereafter, the secondary payment processing device 5610 may complete the second authentication by receiving the second authentication information transmitted from the mobile terminals 5731 and 5632.

Referring to FIG. 56, the offline payment processing method according to an embodiment of the present invention obtains check-in information corresponding to a store where a user enters (S5710).

In addition, the offline payment processing method according to an embodiment of the present invention receives the first authentication information for the first authentication corresponding to the approval for the purchase corresponding to the store from the mobile terminal (S5720)

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S5725).

Thereafter, if the first authentication is valid as a result of the determination in step S5725, the offline payment processing method according to the embodiment of the present invention is dependent on the first authentication, and is based on whether the mobile terminal is located within a predetermined payment area. Second authentication is performed by performing (S5730).

In addition, if the primary authentication is not valid as a result of the determination in step S5725, the primary authentication information may be received to perform the primary authentication again.

In addition, the offline payment processing method according to an embodiment of the present invention performs the offline payment in the store based on the result of the second authentication (S5740). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

In addition, although not shown in Figure 56, the offline payment processing method according to an embodiment of the present invention transmits and receives information required for offline payment processing with the mobile terminal of the user through a communication network, such as a network. In particular, it is possible to receive information for performing check-in, primary authentication and secondary authentication from the mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal.

In addition, although not shown in Figure 56, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

Through the offline payment processing method as described above, when the user performs offline payment using the mobile terminal, the user may provide convenience of payment by performing the second authentication only by entering the payment area near the POS with the mobile terminal.

Referring to FIG. 57, the offline payment processing method according to an embodiment of the present invention obtains check-in information corresponding to a store where a user enters (S5810).

In addition, the offline payment processing method according to an embodiment of the present invention performs the first authentication corresponding to the pre-approval for the purchase corresponding to the store (S5820). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S5825).

If the primary authentication is invalid as a result of the determination in step S5825, the primary authentication may be performed.

In addition, if the first authentication is valid as a result of the determination in step S5825, the offline payment processing method according to an embodiment of the present invention may be located within a predetermined payment area for second authentication dependent on the first authentication. Generate secondary authentication information based on (S5830).

In addition, the offline payment processing method according to an embodiment of the present invention transmits the second authentication information to any one of the server and the POS corresponding to the store to perform the offline payment in the store, and receives the result of the offline payment (S5840). For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

Referring to FIG. 58, in the process of improving the second authentication level of the second authentication in the offline payment processing method illustrated in FIG. 56, first, a monitoring result of the mobile terminal is obtained until the product is submitted to the POS (S5910). That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.

Thereafter, it is determined whether the monitoring result satisfies the secondary authentication level improvement condition (S5915).

If the result of the determination in step S5915 monitors the second authentication level improvement condition, the second authentication level is improved by performing at least one of size adjustment and additional authentication of the payment area (S5920). That is, the security may be enhanced by adjusting the size of the payment area to be smaller or by performing additional authentication.

At this time, the size of the predetermined payment area may be adjusted by adjusting the signal strength of the authentication signal.

In addition, if the monitoring result of the determination result of step S5915 does not satisfy the condition for improving the secondary authentication level, the secondary authentication may be performed without performing a process for improving the secondary authentication level.

Referring to FIG. 59, in the process of improving the primary authentication level of primary authentication in the offline payment processing method illustrated in FIG. 56, first, a monitoring result of the mobile terminal is obtained based on check-in information (S6010). In other words, if something unusual is found in the monitoring results, the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.

Thereafter, it is determined whether the monitoring result satisfies the first authentication level improvement condition (S6015).

If the result of the determination in step S6015 monitors the first authentication level improvement condition, the first authentication level is improved by adding an element to be considered in the first authentication according to the first authentication method (S6020). For example, assuming that the primary authentication method is a PIN input, when the primary authentication level increases, the keyboard of the mobile terminal may be changed every time the PIN is input, rather than a simple PIN input. In addition, a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used. In addition, when the PIN is input, if an earphone or a headphone is connected to the audio jack of the mobile terminal and listening to music, a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.

In addition, if the monitoring result of the determination result of step S6015 does not satisfy the conditions for improving the first authentication level, the first authentication may be performed without improving the first authentication level.

Referring to FIG. 60, a payment system using an application pay according to an embodiment of the present invention includes an application server 6110, a terminal 6120, a POS device 6130, a BLE server 6140, and a BLE device 5150. Include.

The application server 6110 may be a server that provides an application 6111 for performing payment with the information related to payment to the user terminal 120 and proceeds with the payment related procedure. At this time, the application server 6110 may transmit and receive data through the network.

In this case, the application server 6110 may be an offline payment processing apparatus according to an embodiment of the present invention. In addition, the application server 6110 may include an offline payment processing apparatus according to an embodiment of the present invention.

In this case, the network provides a path for transferring data between the application server 6110 and the terminal 6120, and is a concept encompassing both a network that is used in the future and a network that can be developed in the future. For example, the network may be a wired / wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between each other, and between the mobile device and the outside of the mobile device, and provides communication between earth stations and earth stations using satellites. It may be either a satellite communication network or a wired or wireless communication network, or a combination of two or more. Meanwhile, the transmission standard of the network is not limited to the existing transmission standard, and may include all transmission standard that will be developed in the future. In FIG. 60, the network used between the application server 6110 and the terminal 6120 is different from the network used between the application server 6120 and the POS device 6130 and the BLE server 6140 and the terminal 6120. May be the same or may be the same.

The terminal 6120 receives information corresponding to product payment from the application server 6110 using an application and provides the same to the user.

In this case, the terminal 6120 is a device capable of executing an application connected to a communication network, and includes a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet computer, It may be a mobile terminal having various mobile communication specifications such as a notebook (Note book), a net book (Net Book), a personal digital assistant (PDA) and an information communication device.

In addition, the terminal 6120 may receive various information such as numeric and text information, and may set various functions and transmit a signal input in relation to the function control of the terminal 6120 to the controller through the input unit. The input unit of the terminal 6120 may include at least one of a keypad and a touch pad generating an input signal according to a user's touch or manipulation. In this case, the input unit of the terminal 6120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 6120 to simultaneously perform input and display functions. In addition, in addition to an input device such as a keyboard, a keypad, a mouse, and a joystick, the input unit of the terminal 6120 may use any type of input means that may be developed in the future. In particular, the input unit of the terminal 6120 according to the present invention may transmit an input signal for selecting a card or performing a payment to the controller of the terminal 6120 based on an optimal card recommendation system.

In addition, the display unit of the terminal 6120 may display information on a series of operation states and operation results generated while the function of the terminal 6120 is performed. The display unit of the terminal 6120 may display a menu of the terminal 6120 and user data input by the user. The display unit of the terminal 6120 may include a liquid crystal display (LCD), an ultra-thin liquid crystal display (TFT-LCD, thin film transistor LCD), a light emitting diode (LED), and an organic light emitting diode (OLED). , Organic LED), an active organic light emitting diode (AMOLED, Active Matrix OLED), a Retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 6120 is configured as a touch screen, the display unit of the terminal 6120 may perform some or all of the functions of the input unit of the terminal 6120. In particular, the display unit of the terminal 6120 according to the present invention may display information related to the optimal recommendation card and payment provided on the basis of the optimal card recommendation system on the screen.

In addition, the storage unit of the terminal 6120 is a device for storing data, and includes a main memory device and an auxiliary memory device, and may store an application program required for a functional operation of the terminal 6120. The storage unit of the terminal 6120 may largely include a program area and a data area. In this case, when the terminal 6120 activates each function in response to a user's request, the terminal 6120 executes corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 6120 according to the present invention may store an operating system for booting the terminal 6120, a program for recommending a card or performing a payment based on an optimal card recommendation system. In addition, the storage unit of the terminal 6120 may store a content DB storing a plurality of contents and information of the terminal 6120. In this case, the content DB may include execution data for executing the content and attribute information on the content, and content usage information according to the content execution may be stored. In addition, the information of the terminal 6120 may include terminal specification information.

In addition, the communication unit of the terminal 6120 may perform a function for transmitting and receiving data with the application server 6110 through a network. The communication unit of the terminal 6120 may include RF transmitting means for up-converting and amplifying a frequency of a transmitted signal, and RF receiving means for low-noise amplifying and down-converting a received signal. The communication unit of the terminal 6120 may include at least one of a wireless communication module and a wired communication module. The wireless communication module is configured to transmit and receive data according to a wireless communication method. When the terminal 6120 uses wireless communication, any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module may be used. Data may be transmitted and received to the application server 6110. In addition, the wired communication module is for transmitting and receiving data by wire. The wired communication module may connect to a network through a wire and transmit / receive data to / from the application server 6110. That is, the terminal 6120 may access a network using a wireless communication module or a wired communication module, and may transmit / receive data with the application server 6110 through the network. In particular, in the network according to the present invention, the terminal 6120, the application server 6110, and the BLE server 6140 communicate with each other to transmit and receive data necessary for recommending an optimal card based on an optimal card recommendation system.

In addition, the controller of the terminal 6120 may be a process device for driving an operating system (OS) and each component, for example, the controller may control the overall process of accessing the application server 6110. In the case of accessing the application server 6110 through a separate service application, the entire process of executing the service application may be controlled according to a user's request, and at the same time, a request for using the service may be sent to the application server 6110. It may be controlled to be transmitted, and at this time, the information of the terminal 6120 required for user authentication may be transmitted together.

In addition, the controller of the terminal 6120 may execute specific content stored in the storage unit of the terminal 6120 according to a user's request. In this case, the controller may store a content usage history according to content execution as content usage information.

In addition, the terminal 6120 of the user has an application for the application pay service is installed, and may correspond to the terminal 6120 of the user subscribed to the application pay service.

The POS device 6130 is a device for performing payment of goods in the store 6160 and may correspond to a device capable of performing an application pay service based on communication with the application server 6110.

The BLE server 6140 may be a server for locating the terminal 6120 and providing information by using a Bluetooth low energy technology.

In this case, the Bluetooth low power technology is a short-range wireless communication technology that periodically transmits information of an object based on Bluetooth 4.0 within a predetermined radius range. That is, even if the user of the terminal 6120 does not take any action, the user may automatically detect the location of the user and provide a signal for a payment service.

At this time, beacon is a short-range data communication technology using Bluetooth Low Energy (BLE), and various application services such as object and situation recognition, content push, indoor location positioning, automatic check-in, and geofencing based on proximity positioning. Can be enabled. Compared with similar technologies in the past, it is more convenient and can be provided at a lower cost, which can serve as a catalyst for forming a new service market. In this case, the beacon may refer to any device that periodically transmits a signal. For example, the BLE device 5150 illustrated in FIG. 60 may correspond to a beacon.

For example, when a user and a customer having the terminal 6120 enter a region of the BLE beacon by installing a beacon at a specific place in the store 6160, the terminal 6120 may detect the corresponding terminal 6120 and transmit a signal including information. .

The store 6160 may correspond to an offline store where payment is performed, and may correspond to an application pay service affiliated store where the application pay agent and the BLE device 5150 are installed.

First, the user may enter the store 6160 with the terminal 6120.

That is, according to the present invention, the BLE signal transmitted from the BLE device 5150, which is a beacon located in the store 160, may be received by the Bluetooth-enabled terminal 6120 using the BLE SDK 141. At this time, the BLE signal may be received through the application 6111 installed based on the BLE SDK 141. Thereafter, when the terminal 6120 transmits information included in the BLE signal to the BLE server 6140, the BLE server 6140 may provide the terminal 6120 with information related to the BLE benefit corresponding to the BLE signal. .

Thereafter, the terminal 6120 may access the application server 6110 based on the BLE benefit information received from the BLE server 6140 through the application.

In this case, the application server 6110 may include at least one module for performing payment.

For example, the application server 6110 may include a membership providing module that may provide membership information based on user information of the terminal 6120 and store information corresponding to the store 6160. In this case, the membership providing module may include a separate database for storing membership information for each user and store information for each store.

For another example, the application server 6110 may include an application pay payment module for performing payment through the application pay. In this case, the application pay payment module may include credit card information or bank information for performing a payment through the application pay. For example, when a user pays an application pay through a credit card to purchase a product in a store 6160, the application pay payment module and the credit card application may transmit and receive data for performing real time payment.

For another example, the application server 6110 may use the membership providing module together with the membership information to provide coupon information or coupons for use by the user in the store 6160, event information and marketing information in progress in the store 6160, and the like. It may include a store information providing module that can provide. For example, the store information providing module provides the application server 6110 by searching for the gift icons or coupons that the user can use in the store 6160 through the application, so that the user can display the gift icons through the application installed in the terminal 6120. You can use the coupon. In addition, the store information providing module provides the application server 6110 with event information and marketing information corresponding to a plurality of stores that provide a service according to an embodiment of the present invention, thereby allowing the user to visit the store. In operation 6160, information about an event and marketing in progress may be provided to the user terminal 6120.

Thereafter, a user accessing the application server 6110 through the terminal 6120 may perform pre-authentication in the application pay service to purchase a product in the store 6160. For example, the BLE device 5150 may enter a step for pre-authentication by receiving a purchase-related push message and clicking a purchase button included in the push message. In this case, various methods such as a PIN number input, a picture image gesture and a touch gesture may be used as pre-authentication for purchase, that is, primary authentication.

In this case, the offline payment processing apparatus included in the application server 6110 or corresponding to the application server 6110 receives the corresponding first authentication information of the first authentication performed by the terminal 6120 to determine whether to authenticate. You can judge.

Thereafter, the user moves to the POS device 6130 with the product to be purchased at the store 6160, reveals a willingness to make a payment through an application pay at a cashier of the store 6160, and performs a second authentication for purchasing and payment of the product. can do.

For example, as a second authentication method, a user has a terminal 6120 in a zone for payment near the POS device 6130 and inputs a movement gesture pattern using the terminal 6120 in the payment zone. A method of inputting a touch pattern to a sign pad included in the POS device 6130, a method of generating an intersection point on the sign pad, a question answering method, and the like.

In addition, in the second authentication, after the clerk of the store 6160 scans the purchased product, the payment may be performed after confirming the user who uses the application pay service through the POS device 6130.

Thereafter, when the second authentication is completed, the application server 6110 may transmit a message indicating whether the payment through the application pay was successfully performed to at least one of the user terminal 6120 or the POS device 6130.

When using a payment system using such an application pay, it is more convenient and safe for the user to perform the first authentication in the store 6160 and perform a simple second authentication to pay for the product using the optimal card. It is possible.

Referring to FIG. 61, an offline payment processing apparatus according to an embodiment of the present invention includes a communication unit 6210, a check-in information obtaining unit 6220, a first authentication unit 6230, a second authentication unit 6240, and a payment processing unit. 6250 and a storage 6260.

The communication unit 6210 serves to transmit and receive information necessary for offline payment processing with a mobile terminal of a user through a communication network such as a network. In particular, the communication unit 6210 according to an embodiment of the present invention may receive information for performing check-in, first authentication, and second authentication from a mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal. have.

The check-in information obtaining unit 6220 acquires check-in information corresponding to a store entered by the user.

The primary authenticator 6230 receives primary authentication information for primary authentication corresponding to a preauthorization of a purchase corresponding to a store from the mobile terminal.

When the first authentication is valid, the second authentication unit 6240 transmits the second authentication information in the form of question and answer to at least one of the POS corresponding to the mobile terminal and the store in order to perform the second authentication dependent on the first authentication.

In this case, the second authentication information in the form of question and answer may be generated based on the information stored in the mobile terminal of the user. For example, a question and answer may be generated using appointment information stored in a calendar of a user's mobile terminal, or a question and answer may be generated using a call log. That is, the security of authentication can be improved by generating a question and answer based on information that only an individual user can know.

In this case, the question and answer in the form of a question and answer may be generated in the mobile terminal, or may be generated in the offline payment processing apparatus and the server by obtaining information from the mobile terminal.

At this time, the user response to the question corresponding to the second authentication information may be obtained from the user, and the second authentication may be performed by comparing whether the correct answer corresponding to the question and the user response match.

In this case, the second authentication information may be transmitted to at least one of the mobile terminal and the POS of the user, and the method of comparing the correct answer and the user response may be different. For example, assuming that a question about the second authentication information is transmitted to the mobile terminal, the user may input and transmit a user response through a touch input of the mobile terminal. As another example, assuming that the question about the second authentication information is sent to the POS corresponding to the store, the store clerk may check the question of the second authentication information sent to the POS and directly ask the user. In other words, if the clerk's store compares the user response with the correct answer of the question sent to the POS, it can be treated as having completed the second authentication.

In this case, the second authentication information may be generated by obtaining corresponding information within a preset last period from the time point at which the first authentication is performed from the mobile terminal, and may be generated within a preset number of characters.

For example, if you create a question that corresponds to a second credential based on information that is too long before the current date the user visited the store, you can correctly answer the question even if you are the user of the mobile device. It can be difficult. Therefore, the second authentication information is generated based on recent information about a week so that the user can easily remember, so that the second authentication may not occur during offline payment.

At this time, the preset last period may be freely modified by the user or the application administrator.

In addition, the amount of information when transmitting and receiving the second authentication information may be adjusted by limiting the number of letters for questions and correct answers corresponding to the second authentication information. In addition, when the user performs the second authentication, a problem may not be caused in the second authentication due to the correct answer corresponding to a large number of characters, thereby improving convenience.

At this time, the number of letters for the question and the number of letters for the correct answer corresponding to the second authentication information may be set differently.

At this time, the second authentication level may be improved by increasing the number of letters in the correct answer to the question corresponding to the second authentication information. For example, when the second authentication level is low, if the preset number of characters corresponding to the second authentication level is set to three letters, when the second authentication level is increased, the predetermined number of correct answers is set to five characters. Can be set to increase to 7 characters. That is, security can be improved by generating a question corresponding to a difficult answer than when the second authentication level is low.

The payment processor 6250 performs offline payment in the store based on the second authentication result using the second authentication information. That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

The storage unit 6260 stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

According to an embodiment, the storage unit 6260 may be configured independently of the offline payment processing device to support a function for an offline payment processing service. In this case, the storage unit 6260 may operate as a separate mass storage, and may include a control function for performing an operation.

By using such an offline payment processing device, when a user performs an offline payment using a mobile terminal, the user can perform the second authentication only by answering a question generated based on the information of the user's mobile terminal. Can provide.

Referring to FIG. 62, another mobile terminal according to an embodiment of the present invention includes a check-in information collection unit 6310, a first authentication performing unit 6320, a second authentication performing unit 6330, and a payment performing unit 6340. Include.

The check-in information collecting unit 6310 obtains check-in information corresponding to the store entered by the user.

The first certification performing unit 6320 performs the first certification corresponding to the approval of the purchase corresponding to the store. For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

When the first authentication is valid, the second authentication performing unit 6330 generates second authentication information corresponding to the response to the question for the second authentication dependent on the first authentication.

In this case, the second authentication information may be metadata corresponding to the user response. For example, when a question for second authentication is output to the user's mobile terminal, the user may input a user response to the question through the mobile terminal. In this case, the second authentication may be completed when the metadata corresponding to the user response is matched with the correct answer to the question.

In addition, the second authentication information may be generated within a predetermined number of characters. For example, assuming that the number of characters of the user response that the user can input according to the second authentication level is three letters, the user may input only up to three letters for the question for the second authentication. At this time, the question may also be generated so that the correct answer is within three letters.

In addition, when the second authentication level is increased, the predetermined number of letters may increase. For example, suppose that the secondary authentication level is gradually improved from 1 to 3 levels. If the secondary authentication level is 1 level, the preset number of characters is 3 letters; if the secondary authentication level is 2 level, When the preset number of characters is 5 characters and the secondary authentication level is 3 levels, the preset number of characters may be set to 7 characters. That is, as the level of the second authentication is improved, it is difficult to answer the question corresponding to the second authentication information, thereby increasing the stability of the authentication.

The payment execution unit 6340 transmits the second authentication information to any one of a server and a POS corresponding to the store to perform offline payment in a store, and receives a result of the offline payment. For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

63 to 67, the payment method through the BLE PUSH according to an embodiment of the present invention, when a user who subscribes to the application pay service enters the offline store, the goods through the application installed on the mobile terminal as shown in FIG. The benefit screen 6410 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and the product benefits screen 6410 including the discount information and coupon information in the store included in the BLE signal to expose to the mobile terminal. Can be. That is, the mobile terminal may obtain discount information and coupon information by obtaining check-in information corresponding to the store through the beacon of the store. In addition, the mobile terminal may provide check-in information to the offline payment processing device through the application.

In this case, when the mobile terminal is locked, the product benefit screen 6410 may output discount information and coupon information together with a payment button on the lockscreen 6412 of the mobile terminal.

In addition, the product benefit screen 6410 may output discount information and coupon information together with a payment button on the BLE Noti 6411 of the mobile terminal.

At this time, if the user selects the body area indicating the discount information and coupon information on the product benefits screen 6410, the detailed screen 6510 of the store corresponding to the product benefits screen 6410 through the application as shown in FIG. Can be output to the terminal.

In this case, the detailed screen 6510 of the store may output more detailed discount and coupon information together with the store information. In addition, a payment button can be output together so that the user can proceed with the payment process at any time.

At this time, when the user selects the payment button displayed on the detailed screen 6510 or the product benefit screen 6410 of the store, a payment PIN input window (see FIG. 65) is performed to perform the first authentication for the application pay service. 6610). That is, based on the offline payment processing device linked through the application, the window for the first authentication corresponding to the approval of the corresponding store may be output to the mobile terminal.

Thereafter, when the first authentication is completed, the offline payment processing device may transmit the second authentication information in the form of question and answer to at least one of the POS corresponding to the mobile terminal and the store in order to perform the second authentication.

At this time, the user corresponding to the second authentication information, that is, information such as a picture or a phone number of the purchaser may also be transmitted to the POS.

Thereafter, as shown in FIG. 66, information corresponding to the user who has completed the first authentication, that is, the purchaser who has completed the first authentication may be displayed on the payment screen 6710 on the POS device installed in the store.

At this time, when the user inputs a user response to the question corresponding to the second authentication through the mobile terminal, the second authentication may be completed when the user response matches the correct answer to the question. In addition, when a question corresponding to the second authentication is output to the POS, the second authentication may be performed in a manner that the store clerk asks the user and compares it with the correct answer.

Thereafter, when the second authentication is completed and the payment using the application pay is successful, the payment success message 6811 may be transmitted to the user's mobile terminal as shown in FIG. 67.

In this case, the payment success message 6811 may display the name of the paid store, a payment method, and a payment amount.

In addition, when the payment fails, the payment failure message 6812 may be transmitted to the user's mobile terminal, and the payment screen 6713 may be output to the mobile terminal in order to perform the payment again.

At this time, the payment screen (6813) may output a payment button or may output a bar code for application payment.

68 to 74, when a user who is a non-member of an application pay service enters an offline store in a payment method through BLE PUSH according to an embodiment of the present invention, a product is installed through an application installed in a mobile terminal as shown in FIG. 68. The benefit screen 6910 is output to the user.

At this time, the application installed on the mobile terminal recognizes the BLE signal transmitted by the beacons installed in the store, and exposes the product benefit screen 6910 including the discount information and coupon information in the store included in the BLE signal to the mobile terminal. Can be.

In this case, when the mobile terminal is locked, the product benefit screen 6910 outputs discount information and coupon information to the lockscreen 6912 of the terminal, but the payment button may not be output because the non-member of the application pay service is used. .

Also, the product benefit screen 6910 may output discount information and coupon information to the BLE Noti 6911 of the mobile terminal.

In this case, if the user selects a body region indicating discount information and coupon information on the product benefit screen 6910, the detailed screen 7010 of the store shown in FIG. 69 corresponding to the product benefit screen 6910 may be displayed on the mobile terminal. You can print

In this case, the detailed screen 7010 of the store may output more detailed discount and coupon information together with the store information. In addition, a pay app subscription button for subscribing to an application pay service may be output together so that a user may subscribe to a service for payment at any time.

At this time, if the user selects the button to join the pay app, as shown in Figure 70 based on the offline payment processing system can be output to the mobile terminal of the user agreement terminal agreement screen 7210 required.

Thereafter, if the user agrees to the terms and conditions, as shown in FIG. 71, the user authentication screen 7210 may be output to the mobile terminal to authenticate the user.

Thereafter, when the user authentication is completed, the payment PIN registration screen 7310 may be output to the mobile terminal in order to register the payment PIN number for the first authentication in the application pay service as shown in FIG. 72.

In this case, not only the payment PIN registration screen 7310 according to the primary authentication method but also a registration screen of various authentication means such as a fingerprint registration screen and a voice registration screen may be output.

Thereafter, the card information registration screen 7210 may be output to the mobile terminal as shown in FIG. 73 to register the card to be used in the application pay service.

Thereafter, after all the information is inputted, the subscription confirmation screen 7510 is finally output as shown in FIG. 74, and when the user selects confirmation, the subscription may be completed.

Referring to FIG. 75, in order to perform the second authentication using the mobile terminal, the mobile terminal may first receive the second authentication information from the offline payment processing apparatus or the server.

Thereafter, a question for performing the second authentication based on the second authentication information in the form of question and answer may be output to the question output window 7611 of the second authentication screen 7610.

In this case, the question output to the question output window 7611 may be generated by obtaining corresponding information within a preset last period from the time point at which the first authentication is performed from the mobile terminal. In addition, the question output to the question output window 7611 may be generated within a predetermined number of characters.

For example, a question output in the question output window 7611 of FIG. 75 may be generated using the call log of the mobile terminal.

Thereafter, the user may check the question in the question output window 7611 and input a user response to the question in the input window 7612 to perform the second authentication.

In this case, a user response may be input to the input window 7612 within a preset number of characters. For example, if it is assumed that the predetermined number of characters is three characters, the input window 7612 may be set to not input more than three characters.

Thereafter, the user response inputted to the input window 7612 may be transmitted to the server or the offline payment processing device to compare the correct answer to the question to complete the second authentication. In addition, by directly comparing the user response and the correct answer to the question within the mobile terminal, only the result of the second authentication may be transmitted to the server or the offline payment processing device.

Referring to FIG. 76, in the process of performing the second authentication according to the present invention using a POS of a store, a POS 7710 corresponding to a store may first receive secondary authentication information from an offline payment processing device or a server. .

Thereafter, the question and the correct answer for performing the second authentication based on the second authentication information in the form of question and answer may be output so that only the clerk 7720 may be confirmed in the POS 7710.

Thereafter, the clerk 7720 that checks the question through the POS 7710 may directly ask the user 7730 a question for the second authentication.

Thereafter, the clerk 7720 may complete the second authentication by comparing the user response with the correct answer of the question output to the POS 7710. For example, when the user response matches the correct answer, the second authentication may be transmitted to the offline payment processing apparatus or the server by inputting that the second authentication is completed through the POS 7710.

Referring to FIG. 77, in the offline payment processing method according to an embodiment of the present invention, check-in information corresponding to a store entered by a user is obtained (S7810).

In addition, the offline payment processing method according to an embodiment of the present invention receives the first authentication information for the first authentication corresponding to the approval for the purchase corresponding to the store from the mobile terminal (S7820).

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S7825).

Thereafter, if the first authentication is valid as a result of the determination in step S7825, the offline payment processing method according to an embodiment of the present invention provides the second authentication information in the form of question and answer to perform the second authentication dependent on the first authentication. To transmit to at least one of the POS corresponding to the mobile terminal and the store (S7830).

In addition, if the primary authentication is not valid as a result of the determination in step S7825, the primary authentication information may be received to perform the primary authentication again.

In addition, the offline payment processing method according to an embodiment of the present invention performs the offline payment in the store based on the second authentication result using the second authentication information (S7840). That is, when the second authentication is completed, the user may complete the payment for the product or service to be purchased.

In addition, although not shown in Figure 77, the offline payment processing method according to an embodiment of the present invention transmits and receives information required for offline payment processing with the mobile terminal of the user through a communication network, such as a network. In particular, it is possible to receive information for performing check-in, primary authentication and secondary authentication from the mobile terminal, and provide information corresponding to offline payment processing to the mobile terminal.

Although not shown in FIG. 77, the offline payment processing method according to an embodiment of the present invention stores various information generated in the offline payment processing service process according to an embodiment of the present invention as described above.

Through this offline payment processing method, when a user performs offline payment using a mobile terminal, the user may provide convenience of payment by performing the second authentication only by answering a question generated based on the information of the user's mobile terminal. Can be.

Referring to FIG. 78, in the offline payment processing method according to an embodiment of the present invention, check-in information corresponding to a store entered by a user is obtained (S7910).

In addition, the offline payment processing method according to an embodiment of the present invention performs the first authentication corresponding to the pre-approval for the purchase corresponding to the store (S7920). For example, when the PIN input window corresponding to the first authentication is received from the server corresponding to the application installed in the mobile terminal and the offline payment processing device, the first authentication may be performed by inputting the PIN using the mobile terminal. Thereafter, the server and the offline payment processing device may process the first authentication by determining the PIN input through the mobile terminal.

In addition, the offline payment processing method according to an embodiment of the present invention determines whether the first authentication is valid (S7925).

If the primary authentication is invalid as a result of the determination in step S7925, the primary authentication may be performed.

In addition, if the primary authentication is valid as a result of the determination in step S7925, the offline payment processing method according to an embodiment of the present invention may include a secondary corresponding to a response to the question for secondary authentication dependent on the primary authentication. Generate authentication information (S7930).

In addition, the offline payment processing method according to an embodiment of the present invention transmits the second authentication information to any one of the server and the POS corresponding to the store to perform the offline payment in the store, and receives the result of the offline payment (S7940). For example, when the offline payment is successful, a payment success message including a name of a store corresponding to the offline payment, a payment method, and a payment amount may be received. In addition, when the offline payment has failed, a payment failure message may be received that briefly includes the details of the failed payment.

Referring to FIG. 79, in the process of improving the second authentication level of the second authentication in the offline payment processing method illustrated in FIG. 77, first, a monitoring result of the mobile terminal is obtained until the product is submitted to the POS (S8010). That is, the second authentication level may be determined in consideration of the situation after the first authentication is performed and before the second authentication is performed.

Thereafter, it is determined whether the monitoring result satisfies the secondary authentication level improvement condition (S8015).

When the monitoring result of the determination result of step S8015 satisfies the secondary authentication level improvement condition, the second authentication level is improved by increasing the number of letters of the correct answer to the question corresponding to the second authentication information (S8020).

For example, when the second authentication level is low, if the preset number of characters corresponding to the second authentication level is set to three letters, when the second authentication level is increased, the predetermined number of correct answers is set to five characters. Can be set to increase to 7 characters. That is, security can be improved by generating a question corresponding to a difficult answer than when the second authentication level is low.

In addition, if the monitoring result of the determination result of step S8015 does not satisfy the condition for improving the second authentication level, the second authentication may be performed without performing a process for improving the second authentication level.

Referring to FIG. 80, in the process of improving the first authentication level of the first authentication in the offline payment processing method illustrated in FIG. 77, first, a monitoring result of the mobile terminal is obtained based on check-in information (S8110). In other words, if something unusual is found in the monitoring results, the security level can be enhanced depending on the situation by improving the primary authentication level for more secure authentication.

Thereafter, it is determined whether the monitoring result satisfies the first authentication level improvement condition (S8115).

If the result of the determination in step S8115 monitors that the first authentication level enhancement condition is satisfied, the first authentication level is improved by adding elements to be considered in the first authentication according to the first authentication method (S8120). For example, assuming that the primary authentication method is a PIN input, when the primary authentication level increases, the keyboard of the mobile terminal may be changed every time the PIN is input, rather than a simple PIN input. In addition, a method of inputting a color pattern after inputting the PIN or increasing the length of the PIN by using dummy numbers may be used. In addition, when the PIN is input, if an earphone or a headphone is connected to the audio jack of the mobile terminal and listening to music, a method of inputting the PIN through audio feedback may be used as the first authentication level is improved.

In addition, if the determination result monitoring result of step S8115 does not satisfy the first authentication level improvement condition, the first authentication may be performed without improving the first authentication level.

Computer-readable media suitable for storing computer program instructions and data include, for example, magnetic media such as hard disks, floppy disks, and magnetic tape, such as magnetic disks, compact disk read only memory (CD-ROM), and DVDs. Optical Media such as Digital Video Disk, Magnetic-Optical Media such as Floppy Disk, and Read Only Memory, RAM, Random Semiconductor memories such as access memory (EPM), flash memory, erasable programmable ROM (EPROM), and electrically erasable programmable ROM (EEPROM). The processor and memory can be supplemented by or integrated with special purpose logic circuitry. Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Although the specification includes numerous specific implementation details, these should not be construed as limiting to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. In certain cases, multitasking and parallel processing may be advantageous. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

On the other hand, the embodiments of the present invention disclosed in the specification and drawings are merely presented specific examples for clarity and are not intended to limit the scope of the present invention. It is apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

According to the present invention, the user obtains check-in information corresponding to a store entered, receives first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to a store from a mobile terminal, and the first authentication is performed. If it is valid, the second authentication information for the second authentication dependent on the first authentication is generated and transmitted to at least one of the POS corresponding to the mobile terminal and the store, and based on the second authentication result using the second authentication information in the store. Offline payment can be performed. Furthermore, it is possible to provide stable offline payment service while maximizing convenience for users.

In addition, according to the present invention obtains the check-in information corresponding to the store entered by the user, receives the first authentication information for the first authentication corresponding to the first approval for the purchase corresponding to the store from the mobile terminal, If the authentication is valid for secondary authentication dependent on the first authentication, the second authentication information in the form corresponding to the motion pattern for the mobile terminal is generated and transmitted to at least one of the mobile terminal and the POS corresponding to the store, Offline payment in the store may be performed based on the second authentication result using the second authentication information. Furthermore, it is possible to provide stable offline payment service while maximizing convenience for users.

In addition, according to the present invention obtains the check-in information corresponding to the store entered by the user, receives the first authentication information for the first authentication corresponding to the first approval for the purchase corresponding to the store from the mobile terminal, If the authentication is valid, it is dependent on the first authentication, performs the second authentication performed based on whether the mobile terminal is located within the predetermined payment area, and performs offline payment in the store based on the result of the second authentication. can do. Furthermore, it is possible to provide stable offline payment service while maximizing convenience for users.

In addition, according to the present invention obtains the check-in information corresponding to the store entered by the user, receives the first authentication information for the first authentication corresponding to the first approval for the purchase corresponding to the store from the mobile terminal, If the authentication is valid, in order to perform the second authentication dependent on the first authentication, the second authentication information in the form of question and answer is transmitted to at least one of the POS corresponding to the mobile terminal and the store, and the second authentication result using the second authentication information. You can perform offline payments in stores based on. Furthermore, it is possible to provide stable offline payment service while maximizing convenience for users.

Claims

A check-in information obtaining unit which obtains check-in information corresponding to a store which the user has entered;

A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal;

Reviewing whether the primary authentication is valid, and when the primary authentication is valid, generates secondary authentication information for secondary authentication dependent on the primary authentication to generate at least the POS corresponding to the mobile terminal and the store. A second authentication unit transmitting one; And

A payment processing unit that performs offline payment in the store based on the second authentication result using the second authentication information.

Offline payment processing device comprising a.
The method according to claim 1,

The first certification is

And the second authentication information is invalidated when the first authentication is released corresponding to a release conditional authentication.
The method according to claim 2,

The second certification

Offline payment processing device, characterized in that performed according to the second level of authentication adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
The method according to claim 3,

The second authentication unit

When the monitoring result exceeds the predetermined reference purchase time from the first authentication until the product is submitted to the POS, the moving distance of the mobile terminal after the first authentication exceeds a preset reference moving distance. An offline payment processing apparatus characterized in that the second authentication level is adjusted to be improved when the first authentication corresponds to at least one of a moving speed of the mobile terminal exceeding a preset reference moving speed after the first authentication. .
The method according to claim 4,

The second authentication unit

The additional authentication information may be generated based on at least one of the mobile terminal and the sign pad connected to the POS, and the additional authentication information may be added to the mobile terminal and the POS in order to perform additional authentication according to the improvement of the second authentication level. Offline payment processing device characterized in that the transmission to at least one.
The method according to claim 2,

The first certification is

And the check-in information is performed in correspondence with a primary authentication level adjusted according to a monitoring result of the obtained mobile terminal.
The method according to claim 6,

The first authentication unit

When the monitoring result exceeds a predetermined reference authentication time after acquiring the check-in information and before the first authentication is performed, and when the number of mobile frauds occurring in the store exceeds a predetermined reference number. And the first authentication level is improved so as to correspond to at least one.
The method according to claim 7,

The first certification is

And adjusted to perform a procedure for inputting a PIN number when the first authentication level is improved.
A check-in information collecting unit which obtains check-in information corresponding to a store entered by the user;

A first certification performing unit performing first certification corresponding to a pre-approval for a purchase corresponding to the store;

A second authentication performing unit configured to generate authentication information for second authentication dependent on the first authentication when the first authentication is valid; And

Payment performing unit for transmitting the authentication information to any one of the server and the POS corresponding to the store in order to perform the offline payment in the store, and receives the result of the offline payment

Mobile terminal comprising a.
Obtaining check-in information corresponding to a store into which the user has entered;

Receiving first authentication information for first authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal;

Reviewing whether the primary authentication is valid, and when the primary authentication is valid, generates secondary authentication information for secondary authentication dependent on the primary authentication to generate at least the POS corresponding to the mobile terminal and the store. Transmitting to one; And

Performing offline payment in the store based on a second authentication result using the second authentication information;

Offline payment processing method comprising a.
A check-in information obtaining unit which obtains check-in information corresponding to a store which the user has entered;

A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal;

When the first authentication is valid, it is for second authentication dependent on the first authentication, and generates second authentication information in a form corresponding to a motion pattern for the mobile terminal to correspond to the mobile terminal and the store. A second authentication unit transmitting at least one of the POSs; And

A payment processing unit that performs offline payment in the store based on the second authentication result using the second authentication information.

Offline payment processing device comprising a.
The method according to claim 11,

The second certification

When a payment amount of a product corresponding to the purchase is input to the POS, it is determined whether the mobile terminal exists within a predetermined payment area based on the POS, and when the mobile terminal is within the payment area, And comparing the motion pattern generated by shaking the mobile terminal with a registered motion pattern registered by the user in advance.
The method according to claim 12,

The second certification

Offline payment processing device, characterized in that performed according to the second level of authentication adjusted according to the monitoring result of the mobile terminal until the product corresponding to the purchase is submitted to the POS.
The method according to claim 13,

The second authentication unit

When the secondary authentication level is improved, the secondary authentication information is generated by further considering at least one condition among a moving direction, a moving speed, a moving distance, and a size of the payment area when the mobile terminal is shaken. Offline payment processing unit.
A check-in information obtaining unit which obtains check-in information corresponding to a store which the user has entered;

A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal;

Reviewing whether the first authentication is valid and performing the second authentication performed based on whether the mobile terminal is located in a predetermined payment area when the first authentication is valid and is dependent on the first authentication. Second authentication unit; And

A payment processing unit that performs an offline payment in the store based on the result of the second authentication

Offline payment processing device comprising a.
The method according to claim 15,

The second authentication unit

And when the mobile terminal receives the authentication signal for the second authentication, determines that the mobile terminal is located within the predetermined payment area, and performs the second authentication.
The method according to claim 16,

The second authentication unit

An authentication signal transmission including at least one of a beacon device that is installed within a predetermined distance based on a POS corresponding to the store and transmits a high frequency signal of a specific frequency and a beacon device that transmits a BLE (Bluetooth Low Energy) based beacon signal Offline payment processing device characterized in that for transmitting the authentication signal to the mobile terminal using a device.
A check-in information obtaining unit which obtains check-in information corresponding to a store which the user has entered;

A primary authentication unit for receiving primary authentication information for primary authentication corresponding to pre-approval for a purchase corresponding to the store from a mobile terminal;

A second authentication unit for transmitting second authentication information in the form of question and answer to at least one of the POS corresponding to the mobile terminal and the store in order to perform the second authentication dependent on the first authentication when the first authentication is valid; And

A payment processing unit that performs offline payment in the store based on the second authentication result using the second authentication information.

Offline payment processing device comprising a.
The method according to claim 18,

The second authentication unit

Obtaining a user response to a question corresponding to the second authentication information from the user, and performing the second authentication by comparing whether the correct answer corresponding to the question and the user response are identical; Processing unit.
The method according to claim 19,

The second authentication information

Offline payment processing device, characterized in that generated by acquiring the corresponding information within a preset period of time from the time when the first authentication is performed from the mobile terminal, and generated within a predetermined number of characters.