KR101785984B1 - System, apparatus and method for servicing peer to peer payment based on beacon - Google Patents

Abstract

The present invention relates to a beacon-based peer-to-peer payment service providing system, apparatus and method for storing and managing a charge amount charged by a seller and a buyer in a database, To-peer settlement service, a settlement beacon signal including a settlement request message in the case of a peer-to-peer settlement service request, and transmits the settlement beacon signal to a local area network A seller's mobile terminal for generating payment frame data upon receipt of a response to the payment beacon signal and for sending the payment frame data to the local area network and receiving a payment processing result from the integration platform; Lt; RTI ID = 0.0 > Side mobile terminal that receives the settlement frame data and transmits the received settlement frame data to the unified platform in response to receipt of the settlement frame data to request the settlement service, Wherein the beacon-based peer-to-peer payment service providing system includes a terminal.

Description

TECHNICAL FIELD [0001] The present invention relates to a beacon-based peer-to-peer payment service providing system, apparatus,

The present invention relates to a beacon-based peer-to-peer payment service providing system, apparatus, and method.

In recent years, the number of subscribers to mobile phone networks has greatly increased globally, and mobile communication terminals providing only simple voice communication functions by means of technological progress and functions have evolved into mediums that provide various types of information and services. As a result, the mobile information society is developing, and personal and regional services are becoming increasingly important. These " CA (Context-Aware) "mobile phones are used at low power with suitable short range base stations, such as shopping malls, to provide location-specific information. This information may include local maps, information about shops and restaurants, and so on. This information is often sent free of charge, but it may be that the user is paying for the data services (e.g., updating the sports score, downloading new ringing tone of the mobile phone). The payment for such goods and services may be made by conventional methods such as sending a check or credit card authorization, or by tele-banking or direct debit arrangements, It has been recognized that an automated payment system may be beneficial.

As described above, there is a growing interest in Fin-Tech technology in accordance with the development and dissemination of mobile communication technology. PinTech is a payment system that integrates financial companies and IT companies. It enables payment by mobile device without cash or card.

Meanwhile, with the expansion of the network infrastructure, the spread of the Internet, and the development of mobile communication technology, modern people can access communication services through their portable terminals, for example, mobile devices anytime and anywhere. In addition, interactive services are widely spread based on such communication services. The interactive service means a service type capable of bi-directional data transmission in the conventional unidirectional data transmission. In order to provide such an interactive service, an interactive access point (AP) for transmitting a beacon signal and a terminal for receiving such a beacon signal, The terminal is essential.

Also, in order to provide convenience and useful information to the user of mobile terminal, development of a technology combining the above-mentioned PinTech technology and beacon-based interactive service is proceeding.

Korean Patent Publication No. 2007-0014380 (published on Feb. 1, 2007)

The present invention provides a beacon-based peer-to-peer payment service providing system, apparatus, and method capable of providing a payment service between mobile terminals based on a beacon.

Further, the present invention provides a method for providing a beacon signal to a mobile terminal in a predetermined radius by broadcasting a beacon signal for payment, Based peer-to-peer payment service providing system, apparatus, and method.

It is to be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a system for providing a beacon-based peer-to-peer payment service according to an embodiment of the present invention, which stores and manages a charge amount charged by a seller and a buyer in a database, An integrated platform for processing a payment service request by subtracting the charge amount based on a service request, and transmitting a settlement processing result corresponding to the settlement service request; and a settlement beacon signal Generates a settlement frame data in response to a response to the beacon signal for payment, sends the settlement frame data to the local area network, and then transmits the settlement processing result to the seller-side mobile terminal And, upon receipt of the payment beacon signal And transmits the received payment frame data to the unified platform in response to receipt of the payment frame data to request the settlement service, and then transmits a settlement processing result from the unified platform to the seller side mobile terminal through the local area network And a buyer-side mobile terminal for receiving the buyer-side mobile terminal.

According to the embodiment of the present invention, the seller-side mobile terminal generates the payment beacon signal having the buyer's information input by the seller as the destination address, and then transmits the payment beacon signal to the buyer Side mobile terminal to display the settlement amount in the settlement request message, and receive the response from the buyer-side mobile terminal.

According to the embodiment of the present invention, the seller-side mobile terminal broadcasts the payment beacon signal to the local area network and notifies the mobile terminal, which has received the payment beacon signal, of the payment amount in the payment request message and the seller's information And receives the response according to an operation of the mobile terminal that has received the beacon signal for payment.

As a technical means for accomplishing the above technical object, a device for providing a beacon-based peer-to-peer payment service according to an embodiment of the present invention stores and manages a charge amount charged by a seller and a buyer, To-peer settlement service in cooperation with an integrated platform for processing a settlement service request by subtracting the charge amount and transmitting a settlement processing result corresponding thereto, the apparatus comprising: A beacon signal including a payment request message on the basis of the peer-to-peer payment service request, and transmitting the beacon signal to the local area network through the communication unit A payment beacon signal generating unit, Generating a settlement frame data including a buyer's information, a seller's information and a settlement amount as an answer is received through the local area network, and transmitting the settlement frame data to a mobile terminal that has transmitted the response through a communication network; Receiving the settlement processing result from the integrated platform in response to the settlement frame data, receiving the settlement frame data from the arbitrary mobile terminal, transmitting the settlement frame data to the unified platform, And a settlement processing unit for receiving a settlement processing result corresponding to the settlement processing result from the integrated platform.

According to the embodiment of the present invention, the payment beacon signal generating unit broadcasts the payment beacon signal to the local area network and notifies the mobile terminal, which has received the payment beacon signal, Is displayed.

According to an embodiment of the present invention, the peer-to-peer payment service providing apparatus may further include an input interface providing unit for providing an input interface for inputting information of a purchaser and a payment amount, The beacon signal including the settlement request message corresponding to the settlement amount is generated and transmitted to the mobile terminal corresponding to the destination address to transmit the payment amount, .

According to another aspect of the present invention, there is provided a method for providing a beacon-based peer-to-peer payment service, the method comprising: receiving, by a peer- Generating a beacon signal for the beacon signal and transmitting the generated beacon signal through a local area network; receiving a buyer's information and a payment amount when a response to the beacon signal for payment is received; Generating settlement frame data based on the information and the settlement amount and transmitting the settlement frame data to the buyer-side mobile terminal that has transmitted the response; and transmitting the settlement frame data to the integration platform by the buyer- And a step in which the unified platform transmits the settlement request to the buyer's information The settlement amount is subtracted by the settlement amount, the settlement request is processed by increasing the charge amount corresponding to the seller's information by the settlement amount, and then the settlement processing result is transmitted to the buyer-side mobile terminal and the seller-side mobile terminal The method comprising the steps of:

According to the embodiment of the present invention, in the transmitting step, the information of the buyer-side mobile terminal is set as a destination address, and a billing beacon signal including the seller's information and the payment amount is generated and then transmitted to the buyer Side mobile terminal.

According to an embodiment of the present invention, the transmitting step generates a payment beacon signal including the seller information and broadcasts the beacon signal to the local area network.

The above-described task solution is merely exemplary and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and the detailed description of the invention.

According to any one of the above-mentioned tasks, the convenience of the user in a 1: 1 transaction such as a used goods transaction can be improved by providing a payment service between mobile terminals based on a beacon.

In addition, according to any one of the tasks of the present invention described above, information for settlement is transmitted and received between mobile terminals based on a beacon, and a settlement processing result transmitted from the integrated platform is displayed on a buyer and a seller- The reliability of the 1: 1 settlement processing can be secured.

According to any of the above-mentioned objects of the present invention, the use of the integrated platform can be promoted by providing a direct settlement method between a buyer and a seller.

According to any one of the above-mentioned objects of the present invention, settlement can be simplified by executing a settlement processing apparatus automatically by using a beacon signal and proceeding settlement.

FIG. 1 is a block diagram illustrating a system for providing a beacon-based peer-to-peer payment service according to an exemplary embodiment of the present invention. Referring to FIG.
2 is a block diagram showing a detailed configuration of a payment service providing apparatus according to an embodiment of the present invention.
3 is a flowchart illustrating a process of providing a payment service providing apparatus according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification of the present invention, when a part is referred to as "including " an element, it is understood that it may include other elements as well, without excluding other elements unless specifically stated otherwise.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the present disclosure are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "used in the specification of the present invention does not mean" step for.

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware. In the present description, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is an overall network configuration diagram illustrating a system for providing a beacon-based peer-to-peer payment service according to an embodiment of the present invention.

1, the peer-to-peer payment service providing system includes a seller-side mobile terminal 100, a buyer-side mobile terminal 120, a seller-side mobile terminal 100, And an integration platform 140 and a database 160 connected to the buyer-side mobile terminal 120.

Meanwhile, the seller-side mobile terminal 100 and the buyer-side mobile terminal 120 may include a payment service providing apparatus 200 for providing a peer-to-peer payment service. In the embodiment of the present invention, the payment service providing apparatus 200 can be implemented by installing an application downloaded from the integration platform 140 in a form executable on a recording medium.

The seller-side mobile terminal 100 and the buyer-side mobile terminal 120 according to the embodiment of the present invention can provide a settlement service for the amount of merchandise sold by the seller through the payment service providing apparatus 200. [ Specifically, the seller-side mobile terminal 100 and the payment service providing apparatus 200 of the buyer-side mobile terminal 120 transmit and receive a message necessary for settlement through wireless communication based on the wireless medium access control technology of WiMedia And may be connected to the integration platform 140 through the mobile communication network to request a payment service for the goods.

The payment service providing apparatus 200 as described above will be described in detail with reference to FIG.

The seller-side mobile terminal 100 and the buyer-side mobile terminal 120 may be connected to the integration platform 140 to receive various types of information such as restaurants, various event information, discount information, and the like. Specifically, the seller-side mobile terminal 100 and the buyer-side mobile terminal 120 can receive various types of services from the integration platform 140 using the means provided in the integration platform 140, for example, an application.

In addition, the seller-side mobile terminal 100 and the buyer-side mobile terminal 120 may access the integration platform 140 to request a payment service for the purchased product. Specifically, the seller-side mobile terminal 100 and the buyer-side mobile terminal 120 access the charging service of the integration platform 140 to request charging for a predetermined amount and charge them, A payment service based on the charge amount can be provided to the user.

The seller-side mobile terminal 100 and the buyer-side mobile terminal 120 are mobile communication devices that are guaranteed to be portable and mobility. For example, a PCS (Personal Communication System), a GSM (Global System for Mobile communication) , PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W- Based wireless communication devices such as a wireless access terminal, a wireless broadband internet terminal, a smart phone, a smart pad, a tablet PC, and the like.

The integrated platform 140 provides various types of information such as an event, a discount, a restaurant, a coupon information, and the like, and provides the user of the mobile terminals 100 and 120 with a point accumulation and settlement service according to the service utilization. Specifically, the integrated platform 140 can provide information to the user, such as information provision, point accumulation, and settlement services, based on applications installed in the mobile terminals 100 and 120.

The integrated platform 140 provides an interface for charging a predetermined amount of money to the mobile terminals 100 and 120 based on a charging request of the mobile terminals 100 and 120, Information can be stored in the database 160. [

In addition, the integration platform 140 may subtract the charge amount stored in the database 160 according to the payment request of the payment service providing apparatus 200, and then transmit the corresponding response. Specifically, the integration platform 140 receives the settlement request from the settlement service providing apparatus 200 within the buyer-side mobile terminal 120, subtracts the settlement amount from the charge amount of the buyer in accordance with the settlement request, The payment request can be processed in such a manner as to reflect the payment amount of the seller. In the embodiment of the present invention, the payment request may include information such as information of the seller, information of the purchaser, and payment amount.

 Meanwhile, the database 160 stores user information, charge amount, and the like subscribed to the integration platform 140. Here, the user information may mean information of the buyer and the seller.

The detailed configuration of the seller-side mobile terminal 100 and the payment service providing apparatus 200 in the buyer-side mobile terminal 120 will be described with reference to FIG.

2 is a block diagram illustrating a detailed configuration of an apparatus 200 for providing a payment service according to an embodiment of the present invention.

2, the payment service providing apparatus 200 includes a communication unit 210, an input interface providing unit 230, a payment beacon signal generating unit 220, a frame data generating unit 240, and a payment processing unit 250), and the like.

The communication unit 210 provides a short-range wireless communication interface between the seller-side mobile terminal 100 and the buyer-side mobile terminal 120, and examples thereof include a Bluetooth LE, a Wi-Fi module, and the like.

The communication unit 210 may provide a communication interface that can perform data communication with the integrated platform 140 by connecting the seller-side mobile terminal 100 and the buyer-side mobile terminal 120 to the mobile communication network have.

The input interface providing unit 230 provides an input interface for inputting predetermined information when a payment service request is made between the seller-side mobile terminal 100 and the buyer-side mobile terminal 120, That is, on the display unit (not shown) of the seller-side mobile terminal 100. Specifically, when the peer-to-peer payment service is requested from the seller, that is, when the peer-to-peer payment service menu is selected, the input interface providing unit 230 transmits an input interface through which the seller's mobile terminal 100 On the display unit of the display unit. The information input on the input interface may be provided to the beacon signal generator 220 for payment and the frame data generator 240.

The input interface providing unit 230 is executed when a response to the beacon signal for payment is received to provide the input interface and provides the buyer information and the payment amount inputted to the input interface to the frame data generating unit 240 .

When a peer-to-peer payment service request is made, the billing beacon signal generating unit 220 generates a payment request message, for example, a billing beacon signal including information on the seller, and broadcasts the billing beacon signal within a predetermined radius through the communication unit 210 . At this time, the mobile terminal within a predetermined radius drives the settlement service providing apparatus 200 according to the beacon signal for payment, and also displays information of the seller in the beacon signal for payment, for example, unique information of the seller and a payment proceeding request button Can be displayed.

On the other hand, the payment beacon signal generation unit 220 generates the payment beacon signal including the seller's information and the payment amount, using the buyer information provided from the input interface providing unit 230 as a destination address, and transmits it to the communication unit 210 To the buyer-side mobile terminal 120 corresponding to the destination address. Accordingly, the buyer-side mobile terminal 120 executes the payment service providing apparatus 200 on the basis of the beacon signal for payment, displays the seller's information, the payment amount, and the payment proceeding request button in the beacon signal for payment on the display unit can do.

As the payment progression request button is operated, the buyer-side mobile terminal 120 can transmit a response to the payment beacon signal to the seller-side mobile terminal 100. [

The frame data generation unit 240 receives the response to the beacon signal for payment, and receives information on the mobile terminal, that is, the mobile terminal 120 on the buyer side, the buyer information provided from the input interface provider 230, Payment frame data for payment proceeding based on the payment amount, and transmit the payment frame data to the buyer-side mobile terminal 120 through the communication unit 210. [

The billing beacon signal as described above may be transmitted in the beacon period in the superframe of the WiMedia medium access control, and the payment frame data may be transmitted during the data period.

The settlement processing unit 250 transmits settlement frame data to the integration platform 140 in response to reception of settlement frame data from the outside, that is, from the seller-side mobile terminal 100 to request settlement, (140) and display it on the display unit. At this time, the integration platform 140 can transmit the settlement processing result of the settlement frame data to the seller-side mobile terminal 100 and the buyer-side mobile terminal 120, The settlement processing result can be simultaneously displayed by the settlement processing unit 250 on the display unit of the terminal 120. [

On the other hand, upon receiving the settlement frame data, the unified platform 140 obtains the settlement request of the buyer-side mobile terminal 120 by subtracting the charge amount of the buyer stored in the database 160 by the settlement amount, Lt; / RTI >

A process of providing a payment service providing apparatus 200 having the above-described configuration to provide a peer-to-peer payment service will be described with reference to FIG.

FIG. 3 is a flowchart illustrating a process of providing a payment service providing apparatus 200 according to an embodiment of the present invention.

As shown in FIG. 3, the merchant first transmits a peer-to-peer settlement service to his / her mobile terminal, that is, the seller-side mobile terminal 100, in order to proceed with the peer- When the to-peer payment service is selected, the payment beacon signal generating unit 220 of the payment service providing apparatus 200 in the seller-side mobile terminal 100 generates a payment request message, for example, a payment beacon signal including the seller's information (Step 300), and broadcasts it within a predetermined radius through the communication unit 210 (step 302).

Upon receiving the broadcast beacon signal, the buyer-side mobile terminal 120 executes the payment service providing apparatus 200 (step 304), and displays the seller's information and the payment proceeding request button on the display unit (step 306 ).

Thereafter, when the payment progression request button is operated, the buyer-side mobile terminal 120 transmits a response to the beacon signal for payment to the seller-side mobile terminal 100 (step 308).

Accordingly, the payment service providing apparatus 200 in the seller-side mobile terminal 100 displays on the display unit an input interface through which the payment amount and the buyer's information can be inputted by using the input interface providing unit 230 310).

As the payment amount and the buyer's information are inputted to the input interface, the payment service providing apparatus 200 generates the payment frame data based on the buyer's information, the payment amount and the seller's information using the frame data generating unit 240 (Step 312) and transmits it to the buyer-side mobile terminal 120 through the communication unit 210 (step 314).

The settlement processing unit 250 of the settlement service providing apparatus 200 in the buyer-side mobile terminal 120 receiving the settlement frame data transmits the settlement frame data to the integration platform 140 connected through the mobile communication network to request payment (Step 316).

The integration platform 140 searches the database 160 for a charge amount corresponding to the buyer information in the payment frame data, subtracts the searched charge amount by the payment amount, increases the charge amount corresponding to the seller information by the payment amount To process the payment request (step 318).

Then, the integration platform 140 transmits the settlement processing result to the seller-side mobile terminal 100 and the buyer-side mobile terminal 120 using the buyer's information and the seller's information (step 320).

Accordingly, the payment processing unit 250 of the payment service providing apparatus 200 in the seller-side mobile terminal 100 and the purchaser-side mobile terminal 120 displays the payment processing result on the display unit (step 322).

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: Seller side mobile terminal
120: Buyer-side mobile terminal
140: Integrated Platform
160: Database
200: Payment service providing device
210:
220: Beacon signal generating unit for payment
230: input interface offering
240: frame data generating unit
250:

Claims (9)

An integrated platform for storing and managing a charge amount charged by a seller and a buyer in a database and processing a settlement service request through deduction of the charge amount based on an external settlement service request, and,
When a peer-to-peer payment service is requested, generates a payment beacon signal including a payment request message, and transmits the beacon signal to the local area network, generates payment frame data as a response to the payment beacon signal is received, And a seller-side payment service providing device for receiving a settlement processing result from the integrated platform after sending the payment transaction result to the seller platform,
And transmits the payment frame data to the integrated platform in response to the receipt of the payment frame data when the payment beacon signal is received, And a buyer side mobile terminal including a buyer side settlement service providing device for receiving a settlement processing result from the integrated platform after the request,
The buyer-side payment service providing apparatus includes:
And displays the information on the seller and the payment progression request button in the payment beacon signal on the display unit of the buyer's mobile terminal in response to receipt of the payment beacon signal, Transmits the response to the merchant-side mobile terminal according to the vendor-
The seller-side payment service providing apparatus,
Providing an input interface for inputting the buyer information and the settlement amount according to the response and generating the settlement frame data based on the buyer information and the settlement amount inputted through the input interface and the information of the buyer's mobile terminal And transmits the beacon-based peer-to-peer settlement service to the buyer-side mobile terminal.
delete delete And stores and manages the charge amount charged by the seller and the purchaser, and interlocks with an integrated platform that processes the settlement service request through subtraction of the charge amount based on an external settlement service request and transmits the settlement processing result corresponding thereto To-peer payment service,
A communication unit connected to the integrated platform through a mobile communication network and transmitting / receiving information to / from the outside through a local area network;
A beacon signal for billing that generates a payment beacon signal including a payment request message based on the peer-to-peer payment service request, and transmits the beacon signal to the local area network through the communication unit to execute the payment service providing apparatus of the buyer- A generating unit,
The settlement frame data including the buyer's information, the seller's information and the payment amount as the response to the payment beacon signal is received from the buyer's mobile terminal through the local area network, A buyer-side mobile terminal,
Receiving the settlement processing result from the unified platform in response to the settlement frame data and transmitting the settlement frame data to the unified platform upon receipt of the settlement frame data from any mobile terminal, And a settlement processing unit for receiving the settlement processing result corresponding to the request from the integrated platform,
The payment service providing apparatus of the buyer-side mobile terminal is executed upon receipt of the payment beacon signal and displays the payment progress request button and the information of the seller in the payment beacon signal on the display unit of the buyer-side mobile terminal, And transmits the response in response to an operation of a progress request button.
delete delete The payment service providing apparatus of the seller-side mobile terminal generates a beacon signal for payment based on the peer-to-peer payment service request, and transmits the beacon signal through the local area network;
The buyer-side mobile terminal executing the buyer-side payment service providing device, receiving the payment beacon signal, displaying the payment progress request button and the seller information in the payment beacon signal on the display unit of the buyer-side mobile terminal, ,
Transmitting a response to the payment beacon signal to the seller-side mobile terminal according to the operation of the payment progression request button;
Providing an input interface capable of inputting a buyer's information and a payment amount in a payment service providing apparatus of the seller-side mobile terminal;
Generating settlement frame data based on the buyer information, the payment amount, and the seller information input through the input interface, and transmitting the settlement frame data to the buyer-side mobile terminal that has transmitted the response;
Transmitting payment frame data to the unified platform from the buyer-side payment service providing apparatus of the buyer-side mobile terminal to request settlement;
The integrated platform subtracts the charge amount corresponding to the buyer information according to the payment request by the payment amount, processes the payment request by increasing the charge amount corresponding to the seller information by the payment amount, And transmitting a settlement processing result to the mobile terminal and the seller-side mobile terminal. delete delete

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