KR20030055056A - System and Method for Automatic settlement service in the various services using Bluetooth - Google Patents

Abstract

The present invention relates to a method in which an individual can pay a service usage fee without using a separate payment means in various services using a Bluetooth communication method, and securely protects Bluetooth device information and information related to a payment method. You can freely use the service using the Bluetooth communication method in places and stores, and when the service is completed, the service fee is confirmed in the Bluetooth communication start procedure without using a payment method such as a credit card, IC card or cash. The present invention relates to an automatic payment service system and a method in a service using a Bluetooth communication method, which enables automatic payment using personal information and Bluetooth device information owned by an individual.

Briefly describing the automatic payment service method according to the present invention, after an individual possessing a Bluetooth device inputs Bluetooth device information, personal information and payment method information to an automatic payment service company and registers as a member, the contract with the automatic payment service company is signed. If the service provider's store uses various services through the Bluetooth communication method and terminates the use of the service, the service server of the service provider immediately calculates the service fee without automatically using a payment method. When the service bill is approved by the company and the bill is presented to the individual, the individual who used the service checks the payment history to complete the payment process for the service fee, and then the main server of the automatic payment service company pays for a certain period of time. Completed Services By notifying the storage of aggregated charges the customer-specific, specific to collect membership fees manufacturers through a predetermined procedure, collect the charges to the customer and is characterized by a service provider to the payment service revenue.

According to the present invention, an individual possessing a Bluetooth device registers mobile communication device information including a PIN CODE information, which can be referred to as a password of a Bluetooth device, and information related to a payment method with an automatic payment service company, and then stores the Bluetooth at various stores. All payment procedures are completed to the extent that the service provider provides a detailed bill even if there is no payment using a separate payment method while conveniently using various services provided by the communication method. Therefore, the member of the automatic payment service provider can conveniently use various services of the Bluetooth communication method provided by the company without providing the service provider with information related to their payment method and Bluetooth device PIN CODE information. Since the charge is calculated as much as the degree of use and automatically settled, there is an advantage that the service can be used safely and conveniently. In addition, depending on the degree of use of the service, there is also an effect that can be made up to a large amount of payment, including a small amount of payment in a very small amount.

In addition, service providers that have contracts with automatic payment service providers can check the possibility of payment in advance for individuals who want to use these services while providing various services to customers in their stores through Bluetooth communication. The charge is automatically calculated as much as the amount of use, and the customer completes the payment process by checking the fare statement even if the customer does not use a separate payment method, thus improving productivity and giving the customer confidence, and above all, improving customer satisfaction. The effect is great.

Description

System and Method for Automatic settlement service in the various services using Bluetooth}

According to the present invention, a person having a mobile communication device with a built-in Bluetooth device uses a service at a store that provides various services by using a Bluetooth communication method, and when the service is completed, a fee is calculated according to the degree of service usage, The present invention relates to a service method for automatically making a payment without a payment activity.

Referring to FIG. 1, an overview of a payment process using a conventional mobile communication device will be described.

When an individual with a mobile communication device using a communication method such as PCS, CDMA, GSM, or IMT-2000 calls a payment service company with his or her mobile device to purchase a product or service at a store or a shopping mall, a payment service The company responds to the approval number via the mobile communication company, and the individual who receives the approval number can purchase the product or receive the service by presenting the approval number to the store or the shopping mall. However, the conventional payment method using such a mobile communication device has the following problems.

1. Various mobile communication devices including laptops, electronic notebooks, PDAs, etc. that do not have a phone number because payment is made using the phone number of a mobile communication device using a communication method such as PCS, CDMA, GSM, IMT-2000, etc. In the payment is not possible.

2. The payment is made by using the mobile phone number of the mobile communication device. However, since the phone number of the mobile communication device is known information, there is a possibility that a third party may steal the phone number and make an illegal payment by malicious manipulation. Therefore, it is difficult to apply to high payment.

3. When making a payment using a mobile communication device, there must be a separate payment approval procedure for payment and a cumbersome procedure of presenting a payment approval number to the store.

4. It is possible to make payments using mobile communication devices for goods and services that can know in advance how much to pay.However, in the post-payment method according to the time and degree of service use, individuals who use the service avoid payment. If it is impossible to control an individual's payment behavior in a public place, it is difficult to apply it as a payment method.

In addition, a method of making a payment using a Bluetooth communication and using an IC card, a credit card, etc. built in a mobile communication device can be considered, but such a method has the following problems.

1. It is inconvenient because there must be a separate payment behavior in the mobile communication device with the built-in Bluetooth device in order to pay for the purchase of the product and the use of the service.

2. A mobile communication device with a built-in Bluetooth device can only use the IC card or credit card as a payment method to make a payment. Therefore, a mobile communication device with a built-in Bluetooth device such as a notebook, electronic notebook, PDA, etc. In the payment is not possible.

3. When a mobile communication device incorporating a Bluetooth device and a payment means is lost, there is a possibility that a third party acquiring the mobile communication device can perform a fraudulent payment act relatively easily using a payment means built in the mobile communication device.

4. In the postpay payment method according to the time and degree of use of the service after using the service, it is difficult to apply as a payment method when the individual refuses to pay or cannot control the payment in the public place.

Accordingly, the present invention has been proposed to solve the above problems, the service provider is a Bluetooth provider in its store without the individual having a Bluetooth device to provide the service provider with Bluetooth device information, personal information and payment information The purpose of the service is to freely use the various services provided by the communication method and to automatically pay the service usage fee according to the service usage degree without using a separate payment method.

1 is a schematic diagram of a payment method using a conventional mobile communication device;

2 is a block diagram of an embodiment of an automatic payment service system according to the present invention;

3 is a flowchart of an embodiment of a service method according to the present invention;

4 is a schematic diagram for performing Bluetooth device authentication of the present invention using the system of FIG.

5 is a schematic diagram for performing personal authentication of the present invention using the system of FIG. 3;

6 is an embodiment of a process of determining a maximum service charge for an individual;

7 illustrates an embodiment of a payment approval process;

8 illustrates another embodiment of a payment approval process;

9 illustrates an embodiment related to a procedure of confirming a tariff.

* Explanation of symbols for the main parts of the drawings

1-1,1-2,1-3: Bluetooth device owned by an individual

1-1-1,1-2-1,1-3-1: PC or information communication device that individual can access the Internet

2: service server of the service provider

2-1: Bluetooth device built-in or connected to service server

3: storage server storage company

4: main server of automatic payment service provider

5: predetermined network including the Internet

6: Bluetooth communication network

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

Referring to FIG. 2, the main server 4 installed in the automatic payment service company according to the present invention may be used by an individual possessing a mobile communication device in which the Bluetooth devices 1-1, 1-2, and 1-3 are embedded. PC or similar information communication device (1-1-1,1-2-1,1-3-1), Bluetooth device (2-1) built-in at the service provider's store and provide various services The service server 2 is connected to a storage server 3 installed at a storage company that collects service charges from an individual, and a predetermined communication network 5 including the Internet. Here, the predetermined communication network means a communication network such as a dedicated line, an X.25 packet communication network, a PSTN, or the like. In particular, the individual owned Bluetooth device (1-1.1-2,1-3) is connected to the Bluetooth device 2-1 of the service server 2 installed in the store by the Bluetooth communication network (6).

Specifically, a service provider that provides various services by using a Bluetooth communication method includes a Bluetooth device 2-1 and a main server 4 of an automatic payment service company using a predetermined communication network 5 including the Internet. ), And installs a service server (2) in its store that can provide its own service.

Individuals with Bluetooth devices (1-1,1-2,1-3) use the main server (4) of the automatic payment service company to use the services provided by the service provider in the Bluetooth communication network (6) of various stores. You must register as a member at this time, and enter the Bluetooth device information, personal information and payment method information.

The payment method information is used to bill the individual for a service fee incurred as the individual uses various services of the Bluetooth communication method. The payment method information includes information related to a storage company, such as a credit card company, a mobile communication company, a bank or a branch agency, and also a storage method in which the storage company may collect a fee from an individual. When the individual enters the payment information, the main server 4 notifies the storage server 3 of the storage company designated by the individual of the payment method information of the individual, and the storage server 3 is connected to the payment method information input by the individual. It checks its own information and responds to the main server 4 again whether it can be stored and the payment limit.

When an individual joins as a member of an automatic payment service company, the automatic payment service can be conveniently used while using various services using the Bluetooth communication network 6 in the service provider's store.

Referring to FIG. 3, a process of performing a service according to the present invention will be described in detail.

First, the automatic payment service company installs a service server 2 of a service provider, a storage server 3 of a storage company, and a main server 4 connected to a predetermined communication network 5 including a personal PC and the Internet. (S01: first procedure)

The main server 4 has a function of performing personal authentication work with a personal Bluetooth device (1-1,1-2,1-3), and processes a series of procedures related to payment approval and payment result, It is preferable to comprise so that the function which relays to the service server 2 and the storage server 3 may be included.

The service provider has a built-in or connected Bluetooth device 2-1 at its store, is connected to the main server 4 through a predetermined communication network 5 including the Internet, and provides a service server 2 providing services. Install it. In addition, the service provider enters into a contract with the automatic payment service provider in order to use the automatic payment service (S02: second procedure).

In order for a service provider to enter into an agreement with an automatic payment service provider, the company submits its corporate information and service-related information, and the automatic payment service provider reviews the corporate information and service information submitted by the business to verify corporate and credit. Once you have determined that you are a good candidate for using the automatic payment service, you should enter into a contract so that the service provider can use the automatic payment service when providing services using the Bluetooth communication method in their stores. .

The service server 2 installed in the service provider automatically establishes a quantitative fee system according to the service usage time or the amount of information, and calculates the service charge automatically, and calculates the charge details of the customer's Bluetooth device (1-1,1). -2,1-3) It is desirable to have a system that can be verified or signed by the customer by printing it or presenting a bill statement to the customer.

Depending on the particular service provider, the service server 2 may be configured to accept payment through its own payment approval process, rather than sending a billing approval request to the main server 4, in which case the service provider It is advisable to enter into a contract with an automatic payment service provider so that they can approve payment on their own.

In particular, service providers who will provide services where the customer omits the process of checking the billing statement are also similarly approved in advance at the contracting stage with the automatic payment service provider so that the licensed service provider checks the billing statement with the individual. It is preferable to configure the payment process so that the payment process can be performed normally. In addition, when the individual does not check the bill, there may be a method in which the main server 4 of the automatic payment service company notifies the bill of charge to the individual by means such as Internet mail.

Individuals with Bluetooth devices 1-1,1-2,1-3 can use the automatic payment service in the service provided by the Bluetooth communication method in various stores, and then contact the main server 4 of the automatic payment service company. Bluetooth device (1-1,1-2,1-3) information, personal information and payment method information, and the like is inputted, and after the main server 4 undergoes a predetermined confirmation process, the individual of the automatic payment service provider Become a member (S03: Third Step)

In this case, the Bluetooth device information may include information such as a Bluetooth device address, a Bluetooth device name, and a Bluetooth device PIN CODE.

Personal information includes personal information including name and social security number for real name and identity verification process in addition to username and password.In some cases, some of mobile device information or payment information may be used for real name and identity verification process. Is preferable.

The payment method information consists of information for billing the individual for the service charges generated by using various services using Bluetooth communication. Among the payment method information, a credit card company, a mobile communication company, a bank or a branch agency, etc. are stored. It is a good idea to include information about your business and the payment methods that you receive from the receiving company.

When an individual designates a storage company and inputs information about the payment method, the main server 4 of the automatic payment service provider transmits the information related to the payment method to the storage server 3 of the storage company. (3) preferably checks the payment method information and the self information input by the individual, examines the storage availability and the payment limit, and causes the result to be returned to the main server 4 again.

After entering the necessary information for membership registration and approval, the user who is registered as a member is formally given an ID and password, so that they can log in to the main server 4 of the automatic payment service company or try to use the service at the store. It can also be used as identity information.

In addition, when the biometric information of the individual is input in the membership registration process, when the user logs in to the main server 4 or attempts to use various services using the Bluetooth communication method in the store, the Bluetooth device owned by the user (1-1) , 1-2,1-3) or by inputting the biometric information through a separate device, it is possible to perform a more secure identity authentication procedure than the ID and password method.

The procedure for checking whether the individual who intends to use the service is a member registered with the automatic payment service provider and whether the Bluetooth device owned by the individual matches the Bluetooth device entered when the member joins, even if the member who registers with the automatic payment service provider. There may be a number of ways, but look at an example as follows in detail.

For reference, the present invention does not provide its own authentication information, Bluetooth device information and payment method information to a company operating a store while an individual possessing a Bluetooth device applies for service using his authentication information and Bluetooth device information. It is characterized by the method of payment, and also by automatically checking the authentication information and Bluetooth device information mentioned above from the automatic payment service provider without using a separate payment method such as IC card, credit card or cash. The method is characterized.

Therefore, it is revealed in advance that there may be various communication procedures within a method of automatically paying after using a service without using a separate payment means through a procedure of confirming personal Bluetooth device information and personal authentication information.

First, when an individual possessing a Bluetooth device (1-1,1-2,1-3) enters a store of a service provider that has a contract with an automatic payment service provider, the service server 2 is connected to the individual's Bluetooth. Attempts to connect to the devices 1-1, 1-2, 1-3. At this time, since the service server 2 does not have information about the individual Bluetooth devices 1-1, 1-2, 1-3, it is determined whether the service server 2 is a Bluetooth device registered by a member of an automatic payment service company. After the verification process, the user is connected to the Bluetooth device 1-1, 1-2, 1-3, which is held by the individual. (S04: fourth procedure)

A fourth procedure S04 will be described in more detail with reference to FIG. 4.

First, the Bluetooth device 2-1 built-in or connected to the service server 2 becomes the Bluetooth master device, and changes from the ready mode to the inquiry mode so that the individual Bluetooth device (1-1) in the Piconet (1-1). Inquiring 1,1-2,1-3, the Bluetooth master device 2-1 serves as a connection request device (Claimant). On the contrary, the Bluetooth device (1-1,1-2,1-3) possessed by an individual becomes a Bluetooth slave device and acts as a verifier, and in response to the inquiry, its Bluetooth device address (BD_ADDR) ) And in some cases a Bluetooth device name. The Bluetooth master device 2-1 transitions to the page mode using the BD_ADDR information received from the Bluetooth slave devices 1-1, 1-2, 1-3, and then continuously transmits page packets. do. After receiving the page packet, the Bluetooth slave device (1-1,1-2,1-3) also moves to the ready mode, and then, using the challenge response method, combines its own pin code and BD_ADDR to connect the link key. After generating a random number (RAND), and assigning a specific function that combines the Link Key, random number (RAND) and BD_ADDR information, obtains the encryption value (SRES), and then the random number (RAND) Bluetooth Transmission to the master device 2-1. The Bluetooth master device 2-1 receives random number RAND information received from the Bluetooth slave devices 1-1, 1-2, and 1-3 and the Bluetooth slave device 1-1, 1-2, and 1-3. Send BD_ADDR information of the automatic payment service provider to the main server (4) to check whether the Bluetooth slave device (1-1,1-2,1-3) is a registered Bluetooth device registered by the member of the automatic payment service provider. do. At this time, in the state where the BD_ADDR information of the member held by the main server 4 has been previously downloaded to the service server 2, the service is provided only when the member is a Bluetooth device (1-1,1-2,1-3). It is also possible to consider a method of transmitting the random number (RAND) information and Bluetooth slave device (1-1,1-2,1-3) information from the server 2 to the main server (4). Thereafter, the main server 4 generates the cipher value SRES by the method performed by the Bluetooth slave device 1-1, 1-2, 1-3 using the received random number information and the BD_ADDR information. After that, the information is transmitted back to the service server 2 installed in the service provider. When the service server 2 receives the cipher value (SRES) information and responds with the Bluetooth slave device (1-1,1-2,1-3), the Bluetooth slave device (1-1,1-2,1) -3) compares the cipher value (SRES) and the cipher value (SRES) received by the user and transitions to the connection mode or the data transmission mode if the same. In the connected mode or the data transfer mode, since the service server 2 and the personal Bluetooth devices 1-1, 1-2, 1-3 are connected to each other, the individual has a Bluetooth device 1-1, 1-2. , 1-3 can be used to apply for service at the service provider's store.

According to the Bluetooth communication connection procedure as described above, the service server 2 is an automatic relay service company even if they do not know the PIN CODE information, which can be referred to as the password of the Bluetooth device 1-1, 1-2, 1-3 of the individual. Since the user can access the Bluetooth device 1-1,1-2,1-3 of the individual using the authentication service for the Bluetooth device from the main server 4 of the -2,1-3) While protecting the PIN CODE information from third parties including companies, there is an advantage that can be paid by automatic payment service using Bluetooth communication.

In addition, when an individual wants to change his / her Bluetooth device (1-1,1-2,1-3) PIN CODE information, after the main server 4 undergoes an authentication process such as an individual's ID and password, If the individual is configured to modify the PIN code information of his Bluetooth device (1-1, 1-2, 1-3) registered in the main server 4, the present invention can be more preferably implemented.

However, even if the Bluetooth communication connection procedure described above is confirmed that the specific device is a Bluetooth device (1-1,1-2,1-3) of the member who subscribed to the automatic payment service provider, in reality, the specific member possesses the Bluetooth device. It is not confirmed yet. Therefore, a procedure for checking whether a specific member is carrying the corresponding Bluetooth device 1-1, 1-2, 1-3 is necessary.

A fifth procedure S05 will be described in more detail with reference to FIG. 5.

When an individual in a store applies for a service provided by the service server 2, the service server 2 receives information such as the personal authentication result and the service fee payment limit and the maximum service charge limit from the main server 4. By checking, it is determined whether to provide a service to an individual. (S05: fifth procedure)

An individual in a store searches for other Bluetooth device information connected to his or her Bluetooth devices 1-1, 1-2, and 1-3 to apply for the use of a service provided by the service server 2. The service server (2) receiving the service use request transmits the entire service request to the main server (4), and the main server (4) constructs an input screen for authenticating an individual and responds back to the service server (2). Done. When the service server 2 responds to the screen information to the Bluetooth device 1-1,1-2,1-3 of the individual, the individual may use his or her Bluetooth device 1-1,1-2,1-3. On the input screen displayed on the screen, you enter your ID and password. In this case, personal authentication may be performed by inputting only a password, and there may be a method of recognizing personal biometric information.

The authentication information input by the individual is encrypted by the Bluetooth device 1-1, 1-2, 1-3 of the individual and notified to the service server 2, and the service server 2 sends the encrypted authentication information to the main server ( 4) Bypass. When the main server 4 receiving the encrypted personal authentication information obtains the original personal authentication information through a decryption process, the main server 4 and the personal authentication information of the member who owns the Bluetooth device authenticated in the fourth procedure (S04). It is desirable to check whether they match.

Next, the procedure of calculating the maximum service fee for the individual will be described in more detail with reference to FIG. 6.

The main server 4 checks whether the individual who applied for the service is a member, and then checks whether the member can pay the service fee and the maximum payment limit, and responds to the service server 2 with the result. can do. Alternatively, when the main server 4 requests the confirmation of whether or not the main server 4 is a payable member and the maximum payment limit to the storage server 3 of the storage company, the payment possibility and the maximum payment limit that the storage server 3 responds to are received. It is also possible to configure in a manner to notify the service server (2).

Upon receiving the response, the service server 2 checks whether the service is available and provides the service to the individual who applied for the service if the service is approved. If the service is refused, the service server 2 does not provide the service to the individual who applied for the service. . At this time, it is also possible to notify the individual Bluetooth device (1-1, 1-2, 1-3) of the reason for not providing the service.

When the membership verification process is performed, it is possible to know whether the individual possessing the Bluetooth device (1-1,1-2,1-3) is a member of the main server 4 of the automatic payment service company. In conjunction with the fourth procedure (S04), it is possible to accurately determine whether an individual who is a member of an automatic payment service company possesses his or her Bluetooth device (1-1,1-2,1-3).

The service provider will provide a service to an individual who can verify an identity and make a payment from an automatic payment service provider, and provide services without any burden of payment.

In addition, when an individual wants to change his or her ID and password, the main server 4 has a function of changing the ID and password of an individual registered in the main server 4 through various personal authentication procedures. It is possible to implement the present invention more preferably if it is configured to have.

A process from the sixth procedure S06 to the seventh procedure S07 will be described in more detail with reference to FIG. 7.

After that, when the individual terminates the use of the service, the service server 2 calculates a bill and sends the full payment approval request to the main server 4 installed in the automatic payment service company. (S06: 6th procedure)

At this time, in the case where the service provider is authorized to make payment approval by itself in the contracting step with the automatic payment service company, the service server 2 of the service provider is the main server 4 in the fifth step (S05). It is also possible to configure its own payment approval process within the maximum service fee limit received from

The main server 4 receiving the payment approval request text determines whether the payment approval request text is legitimate. If there is no error, the main server 4 notifies the service server 2 of the payment approval response text and the service server 2 confirms the payment approval result. (S07: 7th procedure)

In this case, the main server 4 determines whether the payment is approved by verifying whether the payment is approved for the individual who previously applied for the service and not exceeding the limit of the maximum service fee.

In addition, in the case where the service server 2 performs the payment approval procedure by itself in the sixth procedure (S06), whether the service server 2 has not exceeded the limit of the service fee with respect to the result of the payment approval itself. It is preferable to configure so as to confirm.

Meanwhile, referring to FIG. 8, it is possible to configure whether or not to approve the payment in the storage server 6. A process in this case will be described.

The main server 4 determines whether the payment approval process should be processed in the storage server 3, and if the storage server 3 needs to process it, requests the storage server 3 to approve the payment, and the storage server 3. In response to the payment approval request, the service fee limit may be reviewed, and the result may be configured to notify the main server 4 of the result.

A process of the eighth procedure S08 will be described in more detail with reference to FIG. 9.

After confirming the payment approval result, the service server 2 presents the billing statement to the individual so that the individual can check or sign the billing statement (S08: 8th procedure).

If the service is a place or service where the individual cannot check the bill, the service provider sends the bill to the person's Bluetooth device (1-1,1-2,1-3). It is also possible to configure the device to be considered as an alternative, or to allow the payment to be completed without the individual confirming the bill. If the individual does not check the bill, the full payment result including the unbill information is not included. By transmitting to the main server 4, it is also possible to configure the main server 4 to notify the individual of the bill details by Internet mail or the like.

The service server 2 completes the billing procedure for the individual by informing the main server 4 of the full settlement result including the whether the individual checks the bill and how it was confirmed. (S09: ninth procedure)

According to the contract with the automatic payment service provider, the service provider who can make payment even if the individual does not check the bill is able to send the full payment result including the information that the individual did not check the bill. The service provider may determine whether the payment is completed by determining whether the payment is possible even though the service provider does not confirm the bill to the individual.

In particular, the service server (2) is configured to send the full payment completion result including these requests when it is necessary to notify the bill of charges to the individual by the Internet mail, etc. from the main server (4) of the automatic payment service provider You may.

In addition, in some cases, if an individual adds a procedure for notifying the main server 4 of the service usage history by connecting a mobile communication device having the Bluetooth devices 1-1, 1-2, 1-3 to the Internet, It is more preferable because more accurate settlement may be made in the main server 4 of the automatic payment service company.

When the service provider uses the automatic payment service using the Bluetooth communication method, the service provider provides the service to all members of the automatic payment service provider, and when the service is completed, the fee is automatically calculated according to the service usage and a separate payment method is provided. Since payment is made without using it, the service can be provided with confidence for the individual as a customer, and the productivity of payment is improved. In particular, in order to differentiate from competitors that provide the same service, it is advantageous to flexibly operate a special discount rate and a free service policy to individual users who use the service in their stores.

For reference, according to the development of Bluetooth communication technology, technology that can use roaming service is currently being developed when the store's area is extensive. With this technology, even if an individual moves around the area with a single connection, the Bluetooth communication is reconnected. It is easy to use because it can be used without any procedures, and service providers can provide services with confidence because there is no problem in making payments even if customers move or leave the surrounding area.

As described above, when an individual possessing a Bluetooth device (1-1,1-2,1-3) uses various services at a store and the service is completed and the fee is automatically settled, it is installed in an automatic payment service company. The main server 4, which collects the charges for each member and company for a certain period of time, and notifies the storage server 3 of the storage company designated by the member of the charge aggregation details. (S10: Tenth procedure)

The storage server 3 receiving the charge summary details pays the remaining amount excluding the commission of the storage company to the automatic payment service provider and collects the fee from the individual. (S11: 11th procedure)

For example, when the storage company is a bank, the storage server 3 collects a fee from an individual payment account 1-4 and transfers the remaining amount excluding the bank fee to the payment account 4-1 of the automatic payment service company. The main server 4 goes through a procedure of paying the remaining amount of the funds received from the storage server 3, except for the automatic payment service fee, to the payment account 2-2 of the service provider.

The main server 4 of the automatic payment service company pays the remaining amount excluding the automatic payment service fee from the funds received from the storage server 3 to the payment account 2-2 of the service provider. step)

In addition, in the above procedure, there may be a method in which the receiving company directly pays the service provider. In this case, it is preferable to pay the automatic payment service fee to the automatic payment service provider and pay the remaining amount to the service provider.

According to the present invention, an individual possessing a mobile communication device with a built-in Bluetooth device can freely use various services using Bluetooth communication provided by a company in various public places and stores. The service usage fee is automatically paid even when there is no payment using a separate payment method, so that the service usage fee can be paid only by checking the service usage fee. In addition, as the fee is calculated and automatically paid as much as the degree of use of the service, a small amount of money can be settled, thereby reducing the service fee. In addition, since the user can securely pay without providing their Bluetooth device (1-1,1-2,1-3) information and payment information according to the payment to the store, there is an advantage of protecting the privacy of personal information.

In addition, service providers who provide services in stores provide a variety of services through Bluetooth communication to many customers who visit their stores, but when the service is terminated even if employees do not measure the service usage of many customers, the service server The price is automatically calculated according to the degree of service usage and is automatically paid, thereby improving productivity and reducing the number of people in the store. In particular, in places where public places, stores are large, customer management is difficult, or where customers are free to move in stores, automatic payment service may be used as a very convenient payment method.

In addition, the service provider may omit the process of confirming the payment intention directly to the customer who wants to use the service in the store, and may provide the service with confidence.

In addition, since the automatic payment service can be used to pay the service fee within the maximum service fee limit, there is a convenience that can handle a small payment as well as a large payment, which is advantageous for both individuals and service providers.

Claims (8)

Built-in Bluetooth device located in a public place or (and) store, connected to a predetermined communication network including the Internet, providing a service through Bluetooth communication method, and a built-in service server and Bluetooth device that automatically calculates the fee for using the service. Collecting from a person a mobile communication device, a personal computer possessing the mobile communication device and a PC connected to a predetermined communication network, including the Internet, or an information communication device performing the same function, and a service fee used by the individual In the automatic payment service system including a storage server located in the storage company to be connected to a predetermined communication network, including the Internet, Mainly located in an automatic payment service company, connected to a predetermined network including the Internet, the individual who owns a Bluetooth device as a member, provides Bluetooth device and identity verification service, provides payment approval service, and provides billing service. Include additional servers, The individual possessing the Bluetooth device uses various services provided by the service server in the store by the Bluetooth communication method, and when the service is completed, the Bluetooth device does not need to use a payment method such as a credit card, IC card, and cash. Automatic payment service system in a service using a Bluetooth communication method characterized in that the payment is automatically made using the Bluetooth device and personal information confirmed in the communication start procedure. The method of claim 1, The role of the main server installed in the automatic payment service provider is an automatic payment service system in a service using a Bluetooth communication method, characterized in that performed in the storage server installed in the storage provider. The method of claim 1, The role of the main server installed in the automatic payment service provider is an automatic payment service system in the service using the Bluetooth communication method, characterized in that performed in the service server installed in the store. The first procedure of installing a main server that provides a subscription service, a member and Bluetooth device authentication service, a billing approval service, a billing and settlement service in an automatic payment service provider; A service server that is connected to the main server installed in the first step by a predetermined communication network including the Internet and has a built-in Bluetooth device and provides various services. 2nd procedure to do, A third procedure in which an individual possessing a Bluetooth device in the main server installed in the first procedure inputs Bluetooth device information, personal information and payment method information, and registers as a member; A fourth procedure in which the service server connects to the individual's Bluetooth device using the Bluetooth device authentication service of the main server when the Bluetooth device possessed by the individual registered as a member in the third procedure enters the service provider's store; When the individual applies for the service provider's service using the Bluetooth device of the individual who is connected to the service server in the fourth procedure, the main server receives this information from the service server, and the authentication result, payment availability, and maximum A fifth procedure of notifying the service server of the service charge limit, A sixth procedure for providing a service to an individual who applied for the service in the fifth process and requesting the main server to approve payment of the service usage fee when the service is completed; In the sixth step, the main server receiving the payment approval request text checks whether the payment approval request text is legitimate and, in the normal case, notifies the service server of the payment approval response message, and the service server checks the payment approval result. , An eighth step of confirming or signing the service server which has confirmed the payment approval result in the seventh step by presenting a fee slip to the individual using the service; In the eighth step, when the individual using the service checks the bill, the service server notifies the main server of the full payment completion result including the confirmation information to the main server; The tenth step of receiving the full statement as a result of the check in the ninth step, in which the main server collects service charges for each individual and company for a predetermined period, and notifies the details of the aggregation to the storage company designated by the individual; In the tenth step, the storage server, which has received the service charge aggregation details, pays the remaining funds excluding the fees of the storage company to the automatic payment service company and collects the fee to the individual using the service; The automatic payment service provider receiving the funds in the eleventh process comprises the 12 steps of paying the remaining remaining funds to the service provider except the automatic payment service fee. The method of claim 4, wherein In the fifth step, when the individual requests the service provider to use the service, the main server receives this information from the service server, and requests the storage server of the storage company to check whether it is possible to pay and maximum service fee limit information. The automatic payment service method for a service using Bluetooth communication, characterized in that configured to notify the service server of the authentication result, the check availability and the maximum service charge limit received from the storage server. The method according to claim 4 or 5, When the individual in the sixth procedure has terminated use of the service, if the service server does not send the full payment approval request message to the main server after calculating the fee, The seventh procedure is configured to automatically check whether the service server is a legitimacy for the calculated fee, the automatic payment service method in the service using the Bluetooth communication method. The method according to claim 4 or 5, The seventh procedure may be configured such that the main server makes a payment approval request to a storage server of a storage company in order to confirm whether the payment approval request text is valid, and notifies the service server of the payment approval result received from the storage server. Automatic payment service method in the service using the Bluetooth communication. The method according to claim 4 or 5 or 6 or 7, If the individual in the ninth procedure does not check or sign the bill, the service server notifies the main server of the full payment completion result including the unbill information. In the tenth step, the main server checks whether the company can make a payment even if the individual does not check the bill. An automatic payment service method in a service using a Bluetooth communication method, characterized in that configured to notify the storage server of the specified storage company.