KR20130098780A - Payment system and method using terminal - Google Patents

Abstract

A payment system and method using a communication terminal are disclosed. When the terminal requesting payment is detected as being in close contact with the other terminal through a sensor provided in a specific situation, after checking the location information of the terminal, the terminal includes at least one of terminal information, time information, location information, and payment related information. Can send a payment request.

Description

Payment system and method using communication terminal {Payment system and method using terminal}

The present invention relates to a system and method for making a payment without a separate additional device such as a short range communication module by using a mobile communication terminal.

As an electronic payment technology through a communication terminal, RFID-based financial USIM and NFC (Near Field Communication) payment are common. However, payment using RFID-based financial USIM is difficult to expand service due to the capacity limit of financial USIM (144 KB), and investment for infrastructure construction is insufficient. In addition, NFC technology is a technology standard that allows wireless devices to communicate with each other within a distance of 10 cm using the 13.56 MHz band, and has a data transmission / reception rate of 106 kbps to 848 kbps. Unlike RFID, NFC technology is a two-way wireless communication technology that can read as well as write, so it can be used in various payment fields such as p2p communication, electronic wallet, and transportation card.

For such NFC-based, RFID-based financial USIM payment method, the communication terminal must be provided with additional additional hardware. In other words, the RFID financial USIM also requires payment through a USIM chip equipped with a communication function, and NFC payment should have an NFC communication module at both ends of a user terminal and a payment device.

Due to these limitations, activation of a payment method requires a large investment, and a lot of time is required to accumulate user experience.

An object of the present invention is to provide a system and method for performing payment through proximity contact between communication terminals without using a short range communication module such as an NFC communication module.

In addition, the present invention is to provide a system and a method capable of enabling payment between communication terminals without the addition of additional hardware, such as NFC communication module.

The present invention also provides a payment system capable of minimizing commission due to payment between communication terminals, without passing through a VAN company that relays financial services between a seller or merchant and a payment company (card company or bank). It is to provide a method.

According to an aspect of the present invention, there is provided a payment system capable of payment between terminals without additional hardware equipment.

According to an embodiment of the present invention, a terminal for requesting payment, the sensor for detecting whether the other terminal close proximity; A GPS module for deriving current location information of the terminal; A processor for generating a payment request including at least one of terminal information, time information, the location information, and payment related information when a proximity contact of the counterpart terminal is detected as a result of the sensing of the sensor in a specific situation; And a communication unit configured to transmit the payment request to a payment intermediation server under the control of the processor.

According to another embodiment of the present invention, a terminal for requesting payment, the sensor for detecting whether the other terminal is in close proximity; A speaker for transmitting terminal information; A microphone for receiving counterpart terminal information transmitted through the counterpart terminal; In a particular situation, when a proximity contact of the counterpart terminal is detected as a result of the detection of the sensor, the speaker and the microphone are driven, and the payment request includes at least one of the terminal information, time information, the counterpart terminal information, and payment related information. A processor for generating a; And a communication unit configured to transmit the payment request to a payment intermediation server under the control of the processor.

According to another embodiment of the present invention, in the server for intermediary payment between a plurality of terminals, the communication unit for receiving a payment request from a plurality of terminals-the payment request is the terminal information, location information, time information and payment related information At least one; An analysis unit analyzing the payment request and determining a buyer and a seller terminal simultaneously requesting payment at the same location; And a server control unit including a server control unit which generates a payment approval request including the terminal information and the payment related information for the determined buyer and seller terminals and transmits the payment approval request to a payment server to request payment approval. .

According to another embodiment of the present invention, in the server for intermediary payment between a plurality of terminals, the communication unit for receiving a payment request from a plurality of terminals-the payment request is terminal information, counterpart terminal information, time information and payment related information At least one of; An analysis unit analyzing the payment request and determining a buyer and a seller terminal simultaneously requesting payment; And generating a payment approval request including at least one of the terminal information, the counterpart terminal information, and the payment related information for payment approval for the determined buyer and seller terminals, and transmitting the request to the payment server to request payment approval. A payment brokering server including a server controller may be provided.

According to another embodiment of the present invention, the sensor and the GPS module is provided, and when a close contact of the opposite terminal is detected as a result of the detection of the sensor in a specific situation, the current position information is obtained through the GPS module, the location information A plurality of terminals generating a payment request including at least one of terminal information, time information, and payment related information; And when the payment request is received from the plurality of terminals, determining and connecting both terminals that are requested to be paid at the same time at the same location by using the location information and the time information, and connecting the terminal information and the terminal information to both terminals. A payment system including a payment intermediation server that generates a payment approval request including payment related information and transmits the payment approval request may be provided.

According to another embodiment of the present invention, provided with a sensor, a speaker, and a microphone, and when a close contact of the opposite terminal is detected as a result of the detection of the sensor in a specific situation, the terminal information is transmitted through the speaker, and through the microphone A plurality of terminals configured to receive counterpart terminal information and generate a payment request including at least one of the terminal information, the counterpart terminal information, time information, and payment related information; And when the payment request is received from the plurality of terminals, analyzes the payment request, determines a buyer terminal and a seller terminal that are requested to pay at the same time, and connects the terminal information, the counterpart terminal information, and the payment related information. A payment system including a payment intermediation server for generating a payment approval request including a payment server and transmitting the payment approval request may be provided.

According to another aspect of the present invention, a payment method capable of payment between terminals without additional hardware equipment is provided.

According to an embodiment of the present invention, in the payment method in a payment system including a plurality of terminals and payment intermediation server, when the terminal detects the proximity contact of the opposite terminal through a sensor provided in a specific situation, Checking current location information of the terminal; Generating, by the terminal, a payment request including at least one of the identified location information, time information when the proximity contact is detected, terminal information, and payment related information; Transmitting, by the terminal, the payment request to the payment broker server; The payment intermediation server analyzes the payment request to determine and connect a buyer terminal and a seller terminal that are simultaneously requested to pay at the same location, and includes payment information including the terminal information and the payment related information for the determined buyer and seller terminal. Generating an authorization request and transmitting it to a payment server; And receiving, by the payment intermediation server, a payment approval response to the payment approval request from the payment server, and transmitting the received payment approval response to the buyer terminal and the seller terminal, respectively. Can be.

According to another embodiment of the present invention, in a payment method of a payment system including a plurality of terminals and a payment brokerage server, when the terminal detects a proximity contact of the opposite terminal through a sensor provided in a specific situation, Transmitting the terminal information to the microphone; Receiving, by the terminal, the counterpart terminal information transmitted through the counterpart terminal through a microphone; Generating a payment request including at least one of the terminal information, time information, the counterpart terminal information, and payment related information; Transmitting the payment request to a payment broker server; The payment intermediation server analyzes the payment request to identify and connect to a buyer terminal and a seller terminal that are simultaneously requested for payment, and generates a payment approval request including the terminal information, the counterpart terminal information, and the payment related information. Transmitting to a server; And receiving, by the payment intermediation server, a payment approval response to the payment approval request from the payment server, and transmitting the received payment approval response to the buyer terminal and the seller terminal, respectively. Can be.

According to an embodiment of the present invention, by providing a payment system and a method using a communication terminal, it is possible to perform payment through proximity contact between communication terminals without using a short-range communication module such as an NFC communication module.

In addition, the present invention has the advantage that it is possible to enable payment between communication terminals without the addition of additional hardware, such as NFC communication module.

In addition, the present invention has the advantage that the fee can be minimized by allowing payment between communication terminals without passing through a VAN company that relays financial services between the seller or merchant and the payment company (card company or bank).

1 is a block diagram showing a payment system using a terminal.
FIG. 2 is a block diagram schematically illustrating the configuration of a first terminal and a second terminal included in the payment system of FIG. 1. FIG.
3 is a flowchart illustrating a payment method between terminals according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method between terminals according to another embodiment of the present invention.
5 is a block diagram showing the configuration of a payment brokerage server shown in FIG.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

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

1 is a block diagram illustrating a payment system using a terminal.

Referring to FIG. 1, a payment system according to an embodiment of the present invention may include a plurality of terminals 110 and 115 and a payment broker server 120.

As shown in FIG. 1, the payment system includes a first terminal 110 and a second terminal 115. One of the first terminal 110 and the second terminal 115 may be a terminal of a buyer, and the other may be a terminal of a seller. In the present specification, although not separately illustrated for convenience of understanding and description, in the case of a seller terminal according to an implementation method, it may be linked with a point-of-sale management device (for example, POS) through a wired or wireless connection. That is, the payment in the present specification may be a payment according to a transaction between individuals through a direct transaction or the like, or may be a payment according to a purchase of goods at an offline store (ie, a merchant). Accordingly, the terminal of the seller may be linked with a separate point of sale management device (not shown), or may not be linked.

Hereinafter, in this specification, the first terminal 110 will be collectively described as a purchaser terminal, and the second terminal 115 will be collectively described as a seller terminal.

The purchaser terminal and the seller terminal each have a proximity sensor. That is, the purchaser terminal and the seller terminal are each installed with a dedicated application for payment, and can recognize the proximity contact of the opposite terminal through the proximity sensor according to the proximity contact of the buyer terminal and the seller terminal in the state in which the dedicated application is executed. have. For this reason, the buyer terminal and the seller terminal may each recognize the proximity contact of the counterpart terminal through a dedicated application to perform a process for payment. This will be described in more detail with reference to FIGS. 2 to 4.

For example, the purchaser terminal and the seller terminal may be applied in the same manner as long as the device is provided with a proximity sensor to use a mobile communication function. For example, the purchaser terminal and the seller terminal may be a mobile communication terminal (eg, a smartphone).

 The payment intermediation server 120 is included in the telecommunication company system, and is a device for determining a buyer terminal and a seller terminal according to a payment request from a buyer terminal and a seller terminal, connecting to request a payment to a final payment server.

For example, the payment intermediation server 120 receives payment requests from the buyer terminal and the seller terminal, respectively, and determines and connects the buyer and seller terminals located at the same location by using the location information included in the corresponding payment request. (Not shown) may request payment approval.

For another example, the payment request received from the buyer terminal and the seller terminal may include identification information (hereinafter referred to as opponent terminal information) for the opposite terminal, respectively. Accordingly, the payment intermediation server 120 determines and connects the buyer and the seller for payment using the counterpart terminal information included in each payment request received from the buyer terminal and the seller terminal, and requests a payment approval from the payment server. Can be.

For another example, each payment request received from the buyer terminal and the seller terminal may include location information and counterpart terminal information. In this case, the payment intermediation server 120 may determine and connect the buyer and the seller for payment using the location information and the counterpart terminal information included in the payment request received from each buyer terminal and the seller terminal, respectively. Accordingly, the payment intermediation server 120 may transmit a payment approval request for the determined buyer and seller to the payment server.

This payment process will be described in more detail with reference to FIGS. 3 and 4 below.

2 is a block diagram schematically illustrating the configuration of a first terminal and a second terminal included in the payment system of FIG. 1. Hereinafter, a configuration common to the first terminal and the second terminal will be described, which will be collectively described as a terminal.

Referring to FIG. 2, the terminal includes a sensor 210, a communication unit 215, a GPS module 220, a speaker 225, a microphone 230, a display 235, a memory 240, and a processor 245, respectively. It is configured to include.

The sensor 210 is a means for sensing the proximity of another object to the terminal. For example, when another object comes into close contact with the terminal, the sensor 210 may generate sensing information and output the sensing information to the processor 245.

For example, the type of sensor 210 may be an infrared sensor, an illuminance sensor, or the like. Of course, in addition to this, the sensor 210 may be applied in the same manner in the case of a sensor capable of recognizing the proximity of another object to the terminal, such as a magnetic sensor, an optical sensor, and the like.

The communication unit 215 is a means for transmitting and receiving data with other devices (for example, the payment broker server 120) through a communication network. For example, the communication unit 215 may transmit a payment request of the terminal to the payment intermediation server 120.

According to the first embodiment, when the terminal is a buyer terminal, the payment request may include at least one of terminal information, payment information, time information, and location information. The payment information may include a payment means (eg, credit card information).

However, if the terminal is a seller terminal, the payment request may include at least one of terminal information, payment history, time information and location information. The payment details may include at least one of a payment item and a payment amount.

According to the second embodiment, the buyer terminal and the seller terminal may each include the counterpart terminal information in place of the location information in the payment request.

According to the third embodiment, in the payment request according to the first embodiment, each of the buyer terminal and the seller terminal may further include counterpart terminal information in the payment request.

The GPS module 220 is a means for receiving GPS signals through N satellites and deriving location information on the terminal using the received GPS signals.

For example, the GPS module 220 basically uses triangulation to derive the location of the terminal. Since a method of calculating a position using a GPS signal in the GPS module 220, such as triangulation, is already apparent to those skilled in the art, a separate description thereof will be omitted.

The speaker 225 is a means for outputting a sound signal received or stored through the terminal. The speaker 225 may be driven to be driven by the control of the processor 245 to output a sound signal to the outside.

The microphone 230 is a means for receiving the external sound by starting driving under the control of the processor 245.

The display 235 is a means for expressing data input through the terminal or stored in the terminal in the form of visual information. For example, the display 235 may be a touch screen or may be in the form of a liquid crystal display (LCD).

The memory 240 stores various types of data input or received through the corresponding terminal. In addition, the memory 240 may store a dedicated application provided to each terminal for payment according to an embodiment of the present invention.

The processor 245 is an internal component of the terminal according to an embodiment of the present invention (for example, proximity sensor 210, communication unit 215, GPS module 220, speaker 225, microphone 230) , Display 235, memory 240, etc.).

For example, when it is recognized that another object is in close contact with the terminal through a proximity sensor in a specific situation of the terminal, the processor 245 generates a payment request necessary to perform a payment process and sends it to the payment relay server 120. Can transmit Here, the specific situation may be a situation in which a dedicated application is driven. Of course, the processor 245 may generate a payment request for performing a payment process when it is recognized that another terminal is in close contact with the terminal while the terminal is located in a predetermined posture.

3 is a flowchart illustrating a payment method between terminals according to an embodiment of the present invention.

In step 310, the purchaser terminal and the seller terminal recognize the start of the payment process according to the proximity contact of the counterpart terminal in a specific situation.

For example, the purchaser terminal and the seller terminal recognize whether the counterpart terminal is in close contact with each other while a dedicated application installed in the buyer terminal and the seller terminal is executed for payment. That is, the purchaser terminal and the seller terminal recognize the performance of the payment process when the proximity contact of each counterpart terminal is recognized while the corresponding dedicated application is executed.

Accordingly, in step 315, the buyer terminal and the seller terminal obtain location information, respectively.

In operation 320, the purchaser terminal generates a payment request including at least one of the obtained location information, time information, payment information, and terminal information, and transmits the generated payment request to the payment intermediation server. In this case, the time information may be current time information, or time information at which the proximity contact of the opposite terminal is recognized in operation 310. In addition, the payment information may be credit card information for payment.

For example, when the credit card information is plural in the smart card coupled to the purchaser terminal, before generating the payment request, the purchaser terminal receives a credit card to be selected from among the plurality of credit card information through a dedicated application. May precede. In this case, the payment information may include the selected credit card information.

In step 325, the seller terminal generates a payment request including at least one of the obtained location information, time information, payment details and terminal information, and transmits it to the payment intermediation server. Here, the payment details may include at least one of a payment product and a payment amount.

In step 330, the payment intermediation server analyzes the payment request received from each of the buyer terminal and the seller terminal, and determines and connects the buyer and the seller who requested the payment at the same location at the same time.

For example, the payment brokerage server may analyze each payment request, that is, determine the buyer and the seller who simultaneously requested the payment at the same location by using the location information and the time information included in the payment request.

Accordingly, in step 335, the payment intermediation server generates a payment approval request corresponding to the connection between the buyer terminal and the seller terminal, and transmits it to the payment server (for example, the card company system). Here, the payment approval request may include at least one of buyer terminal information, seller terminal information, payment information, payment history information.

Accordingly, the payment server receives the payment approval request, checks the validity of the payment information of the buyer using this, and if it is valid, performs the payment according to the payment details, and transmits the payment approval response to the payment intermediation server (step 340). ). Of course, if the payment information included in the payment approval request is not valid, the payment server may not approve the payment. In this case, the payment server may transmit a payment unauthorized response to the payment broker server. Naturally, the settlement unauthorized response may include information on the reason for the disapproval.

In addition, the process of approving payment by confirming the validity of payment information in a payment server such as a card company system is obvious to those skilled in the art, and thus only the technical matters necessary to explain the subject matter of the present invention will be described. Will be omitted.

In step 345, the payment intermediation server transmits the payment approval response received from the payment server to the purchaser terminal and the seller terminal, respectively.

Although not shown separately in FIG. 3, the payment intermediation server identifies and connects the buyer and the seller in step 330, generates a payment approval request, and sends the confirmation to the buyer and the seller terminal before confirming the request. It can also be done prior to the process.

4 is a flowchart illustrating a payment method between terminals according to another embodiment of the present invention.

In step 410, the buyer terminal and the seller terminal recognizes the start of the payment process according to the close contact of the counterpart terminal in a specific situation.

For example, the purchaser terminal and the seller terminal recognize whether the counterpart terminal is in close contact with each other while a dedicated application installed in the buyer terminal and the seller terminal is executed for payment. That is, the purchaser terminal and the seller terminal recognize the performance of the payment process when the proximity contact of each counterpart terminal is recognized while the corresponding dedicated application is executed.

In step 415, the purchaser terminal and the seller terminal drive the provided speaker and microphone, respectively, and transmits terminal information through the speaker. In this case, the buyer terminal and the seller terminal may transmit the terminal information using the inaudible frequency. Here, the terminal information transmitted through the buyer terminal and the seller terminal, respectively, may be its own identification information. That is, the buyer terminal may transmit the terminal information of the buyer terminal through the speaker, and the seller terminal may transmit the terminal information of the seller terminal through the speaker.

In step 420, the purchaser terminal and the seller terminal receive and store terminal information of the counterpart terminal transmitted through the driven microphone, respectively.

For example, the purchaser terminal may receive the terminal information of the seller terminal transmitted through the driven microphone, convert it into a digital form, and store it. In addition, the seller terminal may receive the terminal information of the buyer terminal transmitted through the driven microphone, it may be converted into a digital form and stored. In this specification, the counterpart terminal information should be understood to collectively refer to the terminal information for the counterpart terminal for payment.

In operation 425, the purchaser terminal generates a payment request including at least one of stored counterpart terminal information, time information, terminal information, and payment information, and transmits the generated payment request to the payment broker server. Here, the counterpart terminal information may be seller terminal information.

In operation 430, the seller terminal generates a payment request including at least one of stored counterpart terminal information, time information, terminal information, and payment details, and transmits the generated payment request to the payment intermediation server. Here, the counterpart terminal information may be buyer terminal information.

In step 435, the payment broker server analyzes payment requests received from the buyer terminal and the seller terminal, respectively, and determines and connects the seller and the buyer.

For example, the payment intermediation server may determine both terminals for payment using the counterpart terminal information and the terminal information included in each payment request received from the buyer terminal and the seller terminal. Subsequently, the payment intermediation server may determine the seller and the buyer in both terminals using the payment information or the payment details included in the payment request. For example, the payment intermediation server may recognize a buyer using terminal information of a payment request including payment information (that is, a payment means), and recognize a seller using counterpart terminal information.

Next, in step 440, the payment intermediation server generates a payment approval request including at least one of buyer terminal information, seller terminal information, payment information, and payment details, and transmits it to the payment server.

Accordingly, in step 445, the payment server receives the payment approval request, checks the validity of the payment information of the buyer using this, and if it is valid, performs the payment according to the payment details and transmits the payment approval response to the payment intermediation server. .

In step 450, the payment intermediation server transmits the payment approval response received from the payment server to the purchaser terminal and the seller terminal, respectively.

In another embodiment, the purchaser terminal and the seller terminal may each request the payment by transmitting both the location information and the counterpart terminal information to the payment broker server in the payment request. As a result, the payment intermediation server analyzes the payment requests received from the seller terminal and the buyer terminal, respectively, to further increase the accuracy in determining and connecting the seller and the buyer who have requested payment at the same time.

5 is a block diagram showing the configuration of a payment brokerage server shown in FIG.

Referring to FIG. 5, the payment mediation server 120 includes a communication unit 510, an analysis unit 515, a storage unit 520, and a server control unit 525.

The communication unit 510 is a means for transmitting and receiving data with other devices (eg, the first terminal 110, the second terminal 115, and a payment server (not shown)) through a communication network.

For example, the communication unit 510 may receive a payment request from the first terminal 110 and the second terminal 115. In addition, the communication unit 510 may transmit the payment approval response received from the payment server (not shown) to the first terminal 110 and the second terminal 115 under the control of the server controller 525.

The analysis unit 515 analyzes the payment request received from the first terminal 110 and the second terminal 115, respectively, and determines and connects the buyer terminal and the seller terminal, and connects the payment request received from the connected seller and the buyer terminal. It is a means for requesting payment approval by generating a payment approval request by using and transmitting to a payment server (not shown).

For example, suppose that payment requests received from the first terminal 110 and the second terminal 115 include terminal information, time information, location information, and payment related information. As described above, the payment related information may be a payment history including at least one of a payment item and a payment amount when the first terminal 110 or the second terminal 115 is a seller terminal. And, the payment related information may be payment information (ie, credit card information to be paid) when the first terminal 110 or the second terminal 115 is a buyer terminal.

As such, when each payment request received from the first terminal 110 and the second terminal 115 includes time information and location information, the analyzer 515 purchases the terminals that have been simultaneously requested for payment at the same location. And the seller terminal. At this time, if the payment history information includes payment information (that is, credit card information), the analysis unit 515 recognizes the terminal that sent the payment request including the payment information as the buyer terminal, at the same location as the payment request At the same time, the terminal transmitting the payment request including the received payment details may be recognized as a seller terminal, thereby connecting the seller and the buyer terminal, respectively.

For another example, suppose that payment requests received from the first terminal 110 and the second terminal 115 include terminal information, counterpart terminal information, time information, and payment related information.

The analyzer 515 may analyze the payment request received from the first terminal 110 and the second terminal 115, respectively, and determine and connect the buyer and the seller terminal. For example, the analyzer 515 may recognize both terminals to be paid using the terminal information and the counterpart terminal information included in the payment request, and may determine the seller and the buyer terminal using the payment related information. Accordingly, the analyzer 515 may connect the seller and the buyer terminal by analyzing each payment request received from the first terminal 110 and the second terminal 115.

As another example, assume that payment requests received from the first terminal 110 and the second terminal 115 include terminal information, counterpart terminal information, time information, location information, and payment related information. In this case, the analyzer 515 may recognize both terminals simultaneously requested for payment at the same location using the terminal information and the counterpart terminal information together with the location information and the time information included in the payment request. Since the analyzing unit 515 recognizes both terminals for payment, the method of determining the buyer and the seller terminal is the same as described above, and thus the overlapping description will be omitted.

The storage unit 520 stores various algorithms necessary for operating the payment intermediation server 120 according to an embodiment of the present invention. In addition, the storage unit 520 stores information about the seller and the buyer terminal determined by the analysis unit 515.

The server controller 525 controls the internal components (eg, the communication unit 510, the analysis unit 515, and the storage unit 520) of the payment intermediation server 120 according to an embodiment of the present invention. Means.

In addition, the server controller 525 generates a payment approval request including buyer terminal information, seller terminal information, payment information, and payment details by using the payment request for the seller and the buyer terminal identified and connected by the analysis unit 515. And, it can be transmitted to the payment server (not shown) through the communication unit 510.

In addition, the server controller 525 may control to transmit the payment approval response to the payment approval request by the payment server to the seller terminal and the purchaser terminal, respectively.

On the other hand, the method for performing a payment between terminals according to an embodiment of the present invention can be implemented in the form of program instructions that can be executed through various electronic means for processing information can be recorded in the storage medium. The storage medium may include program instructions, data files, data structures, etc. alone or in combination.

Program instructions to be recorded on the storage medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of software. Examples of storage media include magnetic media such as hard disks, floppy disks and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic-optical media such as floppy disks. hardware devices specifically configured to store and execute program instructions such as magneto-optical media and ROM, RAM, flash memory, and the like. In addition, the above-described medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as devices for processing information electronically using an interpreter or the like, for example, a high-level language code that can be executed by a computer.

The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

110: first terminal
115: second terminal
120: payment broker server

Claims (20)

In the terminal requesting payment,
A sensor for detecting a proximity contact of the opposite terminal;
A GPS module for deriving current location information of the terminal;
A processor for generating a payment request including at least one of terminal information, time information, the location information, and payment related information when a proximity contact of the counterpart terminal is detected as a result of the sensing of the sensor in a specific situation; And
And a communication unit for transmitting the payment request to a payment broker server under the control of the processor.
In the terminal requesting payment,
A sensor for detecting a proximity contact of the opposite terminal;
A speaker for transmitting terminal information;
A microphone for receiving counterpart terminal information transmitted through the counterpart terminal;
In a particular situation, when a proximity contact of the counterpart terminal is detected as a result of the detection of the sensor, the speaker and the microphone are driven, and the payment request includes at least one of the terminal information, time information, the counterpart terminal information, and payment related information. A processor for generating a; And
And a communication unit for transmitting the payment request to a payment broker server under the control of the processor.
3. The method according to claim 1 or 2,
The specific situation is a terminal characterized in that the dedicated application for payment is executed.
3. The method according to claim 1 or 2,
And the payment related information is payment information if the terminal is a buyer terminal and payment details if the terminal is a seller terminal.
The method according to claim 1,
A speaker for transmitting the terminal information according to the control of the processor; And
The terminal further comprises a microphone for receiving the opponent terminal information transmitted through the other terminal.
6. The method of claim 5,
The payment request further comprises the counterpart terminal information.
The method according to claim 2 or 4,
And the speaker transmits the terminal information using an inaudible frequency.
In the server that mediates payment between a plurality of terminals,
A communication unit for receiving a payment request from a plurality of terminals—the payment request includes at least one of terminal information, location information, time information, and payment related information;
An analysis unit analyzing the payment request and determining a buyer and a seller terminal simultaneously requesting payment at the same location; And
And a server control unit which generates a payment approval request including the terminal information and the payment related information for the determined buyer and seller terminals and transmits the payment approval request to a payment server to request payment approval.
In the server that mediates payment between a plurality of terminals,
A communication unit configured to receive a payment request from a plurality of terminals—the payment request includes at least one of terminal information, counterpart terminal information, time information, and payment related information;
An analysis unit analyzing the payment request and determining a buyer and a seller terminal simultaneously requesting payment; And
Server for requesting payment approval by generating a payment approval request including at least one of the terminal information, the counterpart terminal information, and the payment related information to approve payment for the determined buyer and seller terminal. Payment mediation server including a control unit.
10. The method according to claim 8 or 9,
If the server control unit receives a payment approval response for the payment approval request from the payment server, the payment broker response server, characterized in that for transmitting the payment approval response to each of the seller and the buyer terminal.
10. The method according to claim 8 or 9,
The payment related information, payment information or payment history,
The payment information is credit card information,
The payment details server, characterized in that at least one of the payment item and the payment amount.
10. The method according to claim 8 or 9,
The analysis unit,
And a terminal transmitting the payment request including the payment information as a purchaser terminal and recognizing the terminal transmitting the payment request including the payment details as a seller terminal.
And a sensor and a GPS module, and when a proximity contact of the opposite terminal is detected as a result of the detection of the sensor in a specific situation, the current location information is obtained through the GPS module, and the location information, terminal information, time information, and payment related information. A plurality of terminals for generating a payment request including at least one of; And
When the payment request is received from the plurality of terminals, by using the location information and the time information to determine both terminals requested to be paid at the same time at the same location, the terminal information and the payment for both terminals A payment system comprising a payment intermediary server which generates a payment authorization request containing relevant information and sends it to a payment server.
And a sensor, a speaker, and a microphone, and when a proximity contact of the counterpart terminal is detected as a result of the detection of the sensor in a specific situation, the terminal information is transmitted through the speaker, and the counterpart terminal information is received through the microphone. A plurality of terminals generating a payment request including at least one of the counterpart terminal information, time information, and payment related information; And
When the payment request is received from the plurality of terminals, the payment request is analyzed to determine a buyer terminal and a seller terminal that request payment at the same time, and connect the terminal information, the counterpart terminal information, and the payment related information. A payment system comprising a payment intermediary server that generates a payment authorization request that includes and sends the request to a payment server.
The method according to claim 13 or 14,
Any one of the plurality of terminals is a buyer terminal,
The other is a payment system, characterized in that the seller terminal.
The method according to claim 13 or 14,
The payment broker server,
And receiving a payment approval response according to the payment approval request from a payment server, and transmitting the payment approval response to the determined buyer terminal and the seller terminal.
In the method for performing a payment in a payment system including a plurality of terminals and payment intermediation server,
Checking the current location information of the terminal when the terminal detects a proximity contact of the opposite terminal through a sensor provided in a specific situation;
Generating, by the terminal, a payment request including at least one of the identified location information, time information when the proximity contact is detected, terminal information, and payment related information;
Transmitting, by the terminal, the payment request to the payment broker server;
The payment intermediation server analyzes the payment request to determine and connect a buyer terminal and a seller terminal that are simultaneously requested to pay at the same location, and includes payment information including the terminal information and the payment related information for the determined buyer and seller terminal. Generating an authorization request and transmitting it to a payment server; And
And receiving, by the payment intermediation server, a payment approval response for the payment approval request from the payment server, and transmitting the received payment approval response to the buyer terminal and the seller terminal, respectively.
In the method for performing a payment in a payment system including a plurality of terminals and payment intermediation server,
If the terminal detects a proximity contact of the opposite terminal through a sensor provided in a specific situation, transmitting the terminal information to the micro;
Receiving, by the terminal, the counterpart terminal information transmitted through the counterpart terminal through a microphone;
Generating a payment request including at least one of the terminal information, time information, the counterpart terminal information, and payment related information;
Transmitting the payment request to a payment broker server;
The payment intermediation server analyzes the payment request to identify and connect to a buyer terminal and a seller terminal that are simultaneously requested for payment, and generates a payment approval request including the terminal information, the counterpart terminal information, and the payment related information. Transmitting to a server; And
And receiving, by the payment intermediation server, a payment approval response for the payment approval request from the payment server, and transmitting the received payment approval response to the buyer terminal and the seller terminal, respectively.
The method of claim 17 or 18,
The payment-related information is payment information if the terminal is a buyer terminal, the payment details, characterized in that the payment details, if the terminal is a seller terminal.
The method of claim 17,
Before generating the payment request,
If the terminal detects a proximity contact of the opposite terminal through a sensor provided in a specific situation, transmitting the terminal information to the micro;
Wherein the terminal further comprises the step of receiving the terminal information transmitted through the other terminal through the microphone,
The payment request further comprises the counterpart terminal information.

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