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WO2014010875A1 - Procédé pour exécuter une application en liaison avec un dispositif apparié et effectuer un paiement, et système numérique associé - Google Patents

Procédé pour exécuter une application en liaison avec un dispositif apparié et effectuer un paiement, et système numérique associé Download PDF

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Publication number
WO2014010875A1
WO2014010875A1 PCT/KR2013/005964 KR2013005964W WO2014010875A1 WO 2014010875 A1 WO2014010875 A1 WO 2014010875A1 KR 2013005964 W KR2013005964 W KR 2013005964W WO 2014010875 A1 WO2014010875 A1 WO 2014010875A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
pair
application
pair device
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2013/005964
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English (en)
Korean (ko)
Inventor
김동진
김대진
심충섭
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Thinkpool Co Ltd
Original Assignee
Thinkpool Co Ltd
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Filing date
Publication date
Application filed by Thinkpool Co Ltd filed Critical Thinkpool Co Ltd
Publication of WO2014010875A1 publication Critical patent/WO2014010875A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/44—Program or device authentication
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/44—Program or device authentication
    • G06F21/445—Program or device authentication by mutual authentication, e.g. between devices or programs
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards

Definitions

  • the present invention relates to an application execution and payment method, and a digital system for interworking with a pair device, and more particularly, when the execution of an application executable in a digital system (for example, a mobile phone, etc.) and payment is required through the application.
  • the present invention relates to a technical concept of controlling the payment through a pair device capable of performing short-range wireless communication with the digital system and increasing user convenience.
  • Korean Patent Application Application No. 10-2000-0031640, "Payment Method Using Mobile Phone Number”
  • Korean Patent Application Application No. 10-2008-0133237, “Mobile Card Payment System and Mobile Card Payment Using It” Service method ")
  • Korean patent application application number 10-2008-0112238, mobile card payment system using a phone number, mobile payment service method using the same ” and the like has been known.
  • Such a conventional method has an advantage that payment can be conveniently carried out if only a mobile phone is held without a card.
  • security is very low due to such convenience.
  • the mobile phone number can be exposed to any number, and there is a risk that another person can perform a card payment. And this risk still exists even if a password for payment is required. This is because the exposure of the password is easily exposed by malicious attack or acquaintance of the user.
  • the conventional method if a fraudulent user who knows the payment password occupies the user's mobile phone even for a while, there is a risk that fraudulent payment will occur.
  • the problem of simple payment via mobile phone has also been a big problem.
  • the technical problem to be solved by the present invention is that a user can carry out a predetermined pair device (for example, a smart card or an RF tag device) as well as a digital system. It is to provide a technical idea to control the execution of the application and the control of the payment through the application.
  • a predetermined pair device for example, a smart card or an RF tag device
  • the application provides a technical idea that the pair device and the digital system can be executed only by performing short-range wireless communication, so that a person who has acquired the digital system cannot execute the application without permission.
  • the payment when the payment needs to be performed while the application is running, the payment may be performed by a payment method corresponding to the pair device, thereby providing a user with convenience of payment and providing a technical idea that may enhance security. It is.
  • the digital system to perform a short-range wireless communication with a predetermined pair device, the digital system in response to the short-range wireless communication performed to the pair device Executing a predetermined application determined to correspond, and if a predetermined payment request is input by the user while the application is running, the digital system is further configured to perform the short-range wireless communication for the payment corresponding to the payment request.
  • the method may include controlling the pair payment means corresponding to the pair device to be a payment means.
  • the pair device is implemented as a card that can be a payment means
  • the pair payment means may be characterized in that the card.
  • the pair payment means may be a card that is a payment means separate from the pair device, and the card information of the card may be previously stored in the digital system or the payment side system so as to correspond to the pair device. .
  • the step of the digital system to perform a short range wireless communication with a predetermined pair device comprises the step of receiving the identification information of the pair device via the short range wireless communication, the digital system is the pair device
  • the execution of the predetermined application to correspond to the step of searching for the application corresponding to the received identification information of the pair device, executing the searched application, or a request for execution of the application by the user
  • the method may include checking whether the received identification information of the pair device corresponds to the application, and executing the application if the identification result corresponds.
  • the step of controlling the payment corresponding to the payment request is made by the pair payment means corresponding to the pair device that has made the short-range wireless communication as the payment means, the digital system received through the short-range wireless communication Specifying payment information of the pair payment means based on the identification information of the pair device, and transmitting payment information including the specified payment information to a payment side system corresponding to the payment request to the payment information.
  • the payment may be performed by the payment side system based on the above.
  • the digital system receives the identification information of the pair device received; Specifying payment information of the pair payment means, or extracting payment information of the pair payment means previously stored in the digital system so that the digital system corresponds to the identification information of the pair device received.
  • the step of controlling the payment corresponding to the payment request is made by the pair payment means corresponding to the pair device that has made the short-range wireless communication as the payment means, the digital system received through the short-range wireless communication
  • the transmission information for payment including identification information of the pair device is transmitted to the payment side system corresponding to the payment request, and the payment information of the pair payment means previously stored in the payment side system so as to correspond to the identification information of the pair device.
  • the payment may be performed by the payment side system based on the above.
  • the digital system may further transmit payment information to the payment side system, the transmission information further including at least one of identification information of the digital system or time information on which short-range wireless communication is performed.
  • the transmission information further including at least one of identification information of the digital system or time information on which short-range wireless communication is performed.
  • payment is approved by the payment system based on the payment information. It can be characterized.
  • the digital system may generate the payment transmission information by mixing at least one of the specified payment information or identification information of the pair device, identification information of the digital system, or time information through a predetermined algorithm.
  • the payment side system transmits the identification information of the payment information or the pair apparatus and the identification information of the digital system or the time information through a corresponding algorithm corresponding to the algorithm from the payment transmission information. At least one can be identified.
  • an application execution and payment method interoperating with a pair device, wherein a digital system executes a predetermined application, and a predetermined payment request is executed while the application is executed.
  • the digital system includes the step of communicating with the payment side system such that the payment corresponding to the payment request is made by a predetermined payment means, the payment means for performing the application and the payment
  • the digital system may be determined according to a pair device that has performed one short-range wireless communication.
  • Application execution and payment method associated with the pair device may be recorded on a computer-readable recording medium recording the program.
  • the digital system for achieving the technical problem is a communication module for short-range wireless communication with a predetermined pair device, a predetermined application predetermined to correspond to the pair device in response to the short-range wireless communication performed by the communication module.
  • An application execution module for executing, and when a predetermined payment request is input by the user while the application is executed by the application execution module, payment corresponding to the payment request is sent to the pair device having the short range wireless communication. It may include a control module for controlling the corresponding pair payment means to be made as a payment means.
  • the communication module may receive identification information of the pair device through the short range wireless communication, and the application execution module may search for the application corresponding to the identification information of the pair device received through the communication module.
  • the searched application is executed or when a request for execution of the application is input by a user, it is possible to check whether the received identification information of the pair device corresponds to the application and execute the application if the result of the check corresponds.
  • the control module may specify payment information of the pair payment means based on the identification information of the pair device received through the communication module, and request the payment transmission information for payment including the specified payment information.
  • the payment may be performed by the payment side system based on the transmission information for payment transmitted to the payment side system corresponding to.
  • the control module may specify the identification information of the pair device received through the communication module as payment information of the pair payment means or correspond to the identification information of the pair device received through the communication module. Payment information of the pair payment means previously stored in the system may be extracted.
  • control module to transmit the payment information including the identification information of the pair device received through the communication module to the payment side system corresponding to the payment request, so as to correspond to the identification information of the pair device.
  • the payment may be performed by the payment side system based on the payment information of the pair payment means previously stored in the payment side system.
  • the control module may further transmit the payment transmission information to the payment side system further including at least one of identification information of the digital system or time information on which the short range wireless communication is performed, and identification information of the digital system. If at least one of the case corresponding to the digital system for payment registered in advance in the payment system or the time information satisfies timeliness, payment is approved by the payment system based on the payment information It may be characterized by.
  • the control module may generate the payment transmission information by mixing at least one of the specified payment information, identification information of the pair device, identification information of the digital system, or time information through a predetermined algorithm.
  • the payment side system transmits the identification information of the payment information or the pair apparatus and the identification information of the digital system or the time information through a corresponding algorithm corresponding to the algorithm from the payment transmission information. At least one can be identified.
  • a digital system a communication module for performing short-range wireless communication with a predetermined device, an application execution module for executing a predetermined application, and the application is executed. If a predetermined payment request is input by the user during the process, the control module for communicating with the payment system so that the payment corresponding to the payment request is made by a predetermined payment means, which is executed by the application execution module.
  • the payment means for performing the payment by the application and the control module may be determined according to a pair device that has performed one short-range wireless communication through the communication module.
  • a user must possess not only a digital system but also a predetermined pair device (for example, a smart card or an RF tag device) to execute an application, thereby providing security to the digital system.
  • a predetermined pair device for example, a smart card or an RF tag device
  • the payment means can be specified as a payment means corresponding to the pair device by using a pair device required to execute the application, thereby providing convenience to users for payment.
  • the pair device is a device that is set in advance to correspond to the application
  • the digital system is a device that is registered in advance in the payment-side system so that payment can be approved by the effect of increasing the security and user convenience have.
  • FIG. 1 is a schematic system for implementing an application execution and payment method interworking with a pair device according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart illustrating an application execution and payment method interoperating with a pair device according to an embodiment of the present invention.
  • FIG. 3 is a schematic flowchart illustrating an application execution and payment method interoperating with a pair device according to another embodiment of the present invention.
  • FIG. 4 shows a schematic configuration of a digital system according to an embodiment of the present invention.
  • FIG. 5 is a diagram illustrating an example in which an application execution and payment method interworking with a pair device according to an embodiment of the present invention is applied.
  • the component when one component 'transmits' data to another component, the component may directly transmit the data to the other component, or through at least one other component. Means that the data may be transmitted to the other component.
  • the component when one component 'directly transmits' data to another component, it means that the data is transmitted from the component to the other component without passing through the other component.
  • FIG. 1 is a schematic system for implementing an application execution and payment method interworking with a pair device according to an embodiment of the present invention.
  • a predetermined digital system 100 for implementing the technical idea of the present invention may be provided.
  • the pair device 200 and the payment side system 300 may be provided.
  • the digital system 100 may implement the technical idea of the present invention while transmitting and receiving necessary information through the wired / wireless network with the payment side system 300.
  • the digital system 100 may perform short-range wireless communication with the pair device 200.
  • Short-range wireless communication for implementing the technical idea of the present invention may be various, such as Bluetooth, RFID communication, NFC communication.
  • a user may tag the digital system 100 and the pair device 200.
  • Tagging refers to the digital system 100 and the pair device 200 having a predetermined distance or less (for example, 10 cm in case of NFC communication) in order to perform contactless communication such as RFID communication or NFC communication.
  • the user may perform tagging by bringing the digital system 100 or the pair device 200 into proximity to the pair device 200 or the digital system 100 within a predetermined distance.
  • the short-range wireless communication will be described mainly in the case of tagging, the average expert in the technical field of the present invention can be easily inferred that various short-range wireless communication can be applied to implement the technical idea of the present invention.
  • the digital system 100 can communicate with the payment side system 300 through a wired or wireless network, and communicate with the pair device 200 through short-range wireless communication (eg, tagging). It may be defined to include all possible forms of data processing apparatus.
  • the digital system 100 may be a data processing device capable of storing and installing a predetermined application and executing the application.
  • the digital system 100 may be a data processing device that is easy for a user to carry, such as a tablet, a music player, as well as a mobile phone.
  • the pair device 200 may be a device capable of performing short-range wireless communication (eg, Bluetooth, RFID, NFC, etc.) with the digital system 100.
  • 1 illustrates an example in which the pair device 200 is a predetermined card (for example, a smart card or an IC card), but is not limited thereto.
  • the pair device 200 may be, for example, a separate data processing device having a Bluetooth function, or may be an RFID tag device.
  • the pair device 200 may correspond to a predetermined application installed in the digital system 100.
  • a predetermined payment means corresponding to the pair device 200 may be predetermined.
  • That the pair device 200 corresponds to a predetermined application may mean that the application may be executed when the pair device 200 and the digital system 100 perform short-range wireless communication.
  • the digital system 100 automatically searches for an application corresponding to the pair device 200 and then automatically. You can run the discovered application.
  • the pair device 200 executes the application much more easily than searching for an icon corresponding to an application that the user wants to execute in the digital system 100 or entering a command to execute the application.
  • a user may execute a desired application only by performing wireless communication (eg, tagging) between the pair device 200 and the digital system 100.
  • short-range wireless communication between the pair device 200 and the digital system 100 may be a precondition for the execution of an application corresponding to the pair device 200. That is, the pair device 200 may not be simply a means for simply executing the application, but may be a device that a user must possess to execute the application. Then, the user requests execution by selecting an icon corresponding to the application (for example, clicking or touching) or inputting a command to execute the executable file of the application in order to execute the application corresponding to the pair device 200. In this case, the digital system 100 may request the pair device 200 corresponding to the application to perform short-range wireless communication with the digital system 100. In addition, in response to the request, the digital system 100 and the pair device 200 must perform short-range wireless communication so that the application can be normally executed.
  • the user may perform a short-range wireless communication between the digital system 100 and the pair device 200 so as to correspond to a request for execution of the application corresponding to the pair device 200 and the application required for execution of the application.
  • Two processes of short-range wireless communication with the pair device 200 may be performed at once. That is, the user performs short-range wireless communication with the pair device 200 corresponding to the application to execute the application without executing a separate execution request such as selecting an icon or executing a command corresponding to the desired application.
  • the request for execution of the application and the short-range wireless communication for executing the application can be performed at once.
  • the digital system 100 may list information on the plurality of applications and receive a selection of applications to be executed from among them.
  • the predetermined application installed in the digital system 100 must have a corresponding pair device 200, and can be controlled to be executable so that the digital system 100 is malicious. Even if attacked by an attacker, there is an effect that can prevent damage through the execution of the application.
  • the payment means corresponding to the pair device 200 may also be predetermined.
  • the payment means corresponding to the pair device 200 may be various embodiments depending on the implementation of the pair device 200.
  • the pair device 200 itself may be a payment means (for example, a smart card).
  • the payment means corresponding to the pair device 200 may be the pair device 200 itself.
  • the user may set a payment method corresponding to the pair device 200 as another payment method in advance.
  • the other payment means may be a payment means corresponding to the pair device 200.
  • the pair device 200 may be a device (eg, RFID tag) without a function of the payment means.
  • a payment means corresponding to the pair device 200 may be set in advance.
  • Information about a payment means corresponding to the pair device 200 may be stored in at least one of the digital system 100 or the payment side system 300 in advance.
  • an application corresponding to the pair device 200 may be executed through short-range wireless communication between the pair device 200 and the digital system 100.
  • the user may perform a task requiring a predetermined payment while using the application.
  • the application may perform payment while communicating with the payment side system 300.
  • the control means that the payment means corresponding to the pair device 200, that is, the pair payment means, does not necessarily mean that payment should be made only by the pair payment means.
  • a series of procedures for specifying the pair payment means as the payment means may mean that the user does not perform at least some of the steps.
  • the pair payment means is automatically passed through a simple authentication procedure (for example, a password).
  • a simple authentication procedure for example, a password.
  • To make a payment or input at least a part of information (for example, card number, card expiration date, etc.) of a pair payment method into a predetermined UI to input payment information so that payment can be easily performed. May mean.
  • the payment through the application may be controlled to be performed only by the pair payment means corresponding to the pair device 200.
  • the user's choice of payment method is lowered, but since the user cannot select another payment method, the payment method is specified as the pair payment method, so that payment can be performed in a shorter procedure. .
  • the pair device 200 performs selection of an application to be executed in the digital system 100 (and / or a condition for executing the selected application) and also plays a role of specifying payment means for payment through the application. Can be.
  • the user can execute the application while maintaining high security by using the pair device 200.
  • the application since the application has been authenticated to be executed by a true user of the digital system 100 (through short-range wireless communication between the digital system 100 and the pair device 200), when payment is requested through at least the application, There is an effect that the user can easily make a payment without selecting a payment method or payment information (for example, a card number, etc.) necessary for payment.
  • a payment means is automatically provided when a user performs short-range wireless communication between the pair device 200 and the digital system 100 corresponding to the application once to execute the application. It can be specified, thereby increasing the convenience of payment. However, in this case there is a problem that the security can be lowered. Therefore, a technical idea is needed to provide security while maintaining the convenience of payment.
  • the digital system 100 automatically or only for a payment request made within a predetermined time from the time point at which the digital system 100 and the pair device 200 perform short-range wireless communication. Through a simple authentication process can be controlled so that payment is made through the pair payment means.
  • a payment request by the user is input after a long time after authentication for the execution of the application, that is, short-range wireless communication between the digital system 100 and the pair device 200 is performed, the requesting person and the payment request are executed.
  • the requesting person and the payment request are executed.
  • a legitimate user loses control of the digital system 100 after being exposed to a predetermined attack after the short range wireless communication is performed.
  • the user does not terminate after executing the application, there may be a risk that a payment request can be made through an application that is executed by another person.
  • the digital system 100 and / or the payment side system 300 may be used as the pair payment means only for a payment request made within a predetermined time from the time point at which short-range wireless communication is performed.
  • the payment can be controlled. Therefore, when a payment request is made after a certain time, the user does not want to make a payment even if the user wants to make a payment with the pair payment method, or normally selects the pair payment method as a payment method and inputs all corresponding payment information.
  • the payment can be made only after all normal payment procedures. How long the predetermined time is may be variously set according to the average time that the user uses the application in the digital system 100 and the type of the application.
  • the payment when the payment request through the application is input by the user, the payment is made only when the digital system 100 is a system registered in advance to perform the payment according to the technical idea of the present invention. It may be implemented to be approved.
  • the user may register the digital system 100 as a system to which the technical spirit of the present invention is applied in advance in the payment system 300. In this case, the digital system 100 registered by the user and the pair device 200 must perform short-range wireless communication so that payment through the pair payment means can be finally approved.
  • payment information (eg, card number, etc.) of the pair payment means or identification information of the pair device 200 is transmitted from the digital system 100 to the payment side system 300. May have to be.
  • time information on which short-range wireless communication is performed and / or identification information of the digital system 100 may be further transmitted to the payment side system 300.
  • the digital system 100 mixes payment information of the pair payment means or identification information of the pair device 200 with time information and / or identification information of the digital system 100.
  • the mixed information By transmitting the mixed information, even if the information transmitted to the payment side system 300 is seized or tampered by the attacker, there is an effect that can be prevented reuse. This specific example will be described later.
  • the payment side system 300 may be defined as including all systems that receive a payment request to perform a payment, communicate with the digital system 100, or participate in determining whether to approve a payment. have.
  • the payment-side system 300 may include various receiving systems 310 for receiving a payment request and an approval system 320 for approving a payment request requested through the receiving system 310.
  • a user of the digital system 100 may make a payment request directly to the approval system 320. That is, the receiving system 310 may not be included in the payment side system 300.
  • the reception system 310 may include, for example, various web servers (eg, shopping mall site servers, game servers, etc., 311) that provide a page or UI for online payment, a card payment terminal 312 installed at a merchant, or an ATM (Automatic). Teller's Machine, 313).
  • the reception system 310 may be a system capable of receiving a payment request from the digital system 100 or from an application of the digital system 100.
  • the authorization system 320 is a card company system 321 that can process payment by a pair payment means (card company system 321 in the present invention is not only a system of an independent card company but also all financial institution systems that perform card payment ( (Not shown).
  • the card company system 321 and the VAN system 322 for interfacing the receiving system 310 may be further included in the authorization system 320.
  • the approval system 320 includes a predetermined system (not shown) for implementing the technical idea of the present invention, such as the card company system 321 and / or the VAN system 322. It may be further included to be coupled via a network.
  • the VAN system 322 may further perform a function of the receiving system 310 according to an embodiment.
  • the payment side system 300 from the receiving system 310 to the card company system 321 to receive the payment request from the digital system 100 or an application running on the digital system 100. It may be defined to include all systems existing on a network path. Of course, there may also be a case where the card company system 321 performs the function of the receiving system 310 together.
  • FIG. 2 is a schematic flowchart illustrating an application execution and payment method interoperating with a pair device according to an embodiment of the present invention.
  • the digital system 100 may perform short-range wireless communication with the pair device 200 (S100).
  • the short range wireless communication may be performed when the user of the digital system 100 does not request execution of a specific application.
  • the digital system 100 may execute an application corresponding to the pair device 200 (S110).
  • Information about an application corresponding to the pair device 200 may be previously stored in a predetermined storage device included in the digital system 100.
  • the digital system 100 receives identification information of the pair device 200, and an application corresponding to the identification information of the pair device 200 is received. You can explore what it is. Then, the searched application may be executed. The user may of course set in advance the application corresponding to the specific pair device 200 in the digital system 100. To this end, the digital system 100 may store identification information (eg, a file name, a path, etc.) of the application and identification information of the pair device 200 to correspond to the storage device in advance. Identification information of the pair device 200 may be obtained by short-range wireless communication between the digital system 100 and the pair device 200, or may be directly input by the user if the user knows it.
  • identification information of the pair device 200 may be obtained by short-range wireless communication between the digital system 100 and the pair device 200, or may be directly input by the user if the user knows it.
  • the authentication system may be the payment side system 300 or may be a system implemented separately from the payment side system 300.
  • the digital system 100 may identify the identification information of the pair apparatus 200, the identification information of the digital system 100 (or the identification information of the user), and / or the digital system 100 with the authentication system.
  • the authentication system may transmit predetermined execution request information necessary for allowing the application to execute the application, such as time information when the pair apparatus 200 performs short-range wireless communication. Then, the authentication system may transmit an execution signal to the digital system 100 that controls the execution of the application based on the received execution request information. Then, the digital system 100 may execute the application based on the execution signal.
  • predetermined information for determining whether to execute the application may be stored in the authentication system in advance.
  • the authentication system may store identification information of the pair device 200 and information on an application corresponding to the identification information of the pair device 200.
  • the digital system 100 transmits execution request information including identification information of the pair device 200 to the authentication system, and in response to the transmission, the digital system 100 corresponds to the identification information of the pair device 200. You can receive an execution signal to run the application.
  • the conventional authentication procedure eg, login procedure, etc.
  • identification information regarding a digital system to which the technical spirit of the present invention is to be applied may be registered in advance in the authentication system.
  • the execution request information may include the identification information of the digital system 100
  • the authentication system is the application only when the identification information of the digital system 100 included in the received information is registered in advance You can also control to run.
  • Timeliness of time information may be determined by the authentication system and / or the payment side system 300 in common when controlling the execution of the application and when the payment is to be approved by the pair payment means.
  • a certain time for determining timeliness that is, a time difference between when a short-range wireless communication is performed and a time when execution request information or payment transmission information is received by the authentication system or the payment side system 300
  • a shorter time may be a criterion for determining timeliness in the execution control of an application.
  • each of the information included in the execution request information for the execution request of the application can also be mixed through a predetermined algorithm and transmitted to the authentication system, which is similar to the case of the transmission information for payment described later Detailed description is omitted here.
  • the application may be controlled to be executed only when the pair apparatus 200 and the digital system 100 perform short-range wireless communication according to the technical idea of the present invention.
  • the pair device 200 becomes a necessary condition to be carried in order to execute the application.
  • the application may be executed in the same manner as the technical idea of the present invention, or may be executed by the user by selecting an icon or inputting a command corresponding to the application as in the conventional method.
  • the pair device 200 serves to select an application to be executed.
  • the application when the application is executed, the user may use the application (S120). In the meantime, the digital system 100 may receive a predetermined payment request through the application (S130). Then, the application may perform a process for performing a payment corresponding to the payment request. The application may request that the user perform a process for payment by accessing a predetermined web page 311. Alternatively, if the user can execute the application at a predetermined offline store or at an ATM 313, and can make a payment through the application, the application enters the payment information after the user inputs the payment information. It may be to communicate with the terminal 312 or the ATM (313).
  • the digital system 100 may perform a predetermined control so that payment corresponding to the payment request may be made by a pair payment means corresponding to the pair device 200 (S140).
  • the digital system 100 may automatically specify the pair payment means as a payment means without a user inputting payment information.
  • the pair payment means may be specified as the only payment means that can perform the payment.
  • payment is possible through a plurality of payment methods or payment means, and when the user selects a payment method according to the technical idea of the present invention, the pair payment means may be automatically specified as a payment means.
  • Specifying the pair payment means as a payment means means that the user does not input at least a part of information necessary for the user to make a payment using the pair payment means, that is, payment information (for example, card information such as a card number and an expiration date). This may mean a case in which at least a part of payment information is automatically specified even if it is automatically input to a predetermined UI or not input to the UI. Therefore, the user may not have to perform at least some of the procedures to be performed in order to proceed with the payment by the pair payment means through a conventional method. Of course, a predetermined authentication procedure can be performed. However, the payment means may be specified as the pair payment means.
  • the user only needs to perform short-range wireless communication between the digital system 100 and the pair device 200 to execute a specific application, and selection and execution of the application are performed.
  • the payment can be easily performed.
  • FIG. 3 Another embodiment of the invention is shown in FIG. 3.
  • FIG. 3 is a schematic flowchart illustrating an application execution and payment method interoperating with a pair device according to another embodiment of the present invention.
  • a user may request execution of a predetermined application as in a conventional application execution method before performing short range wireless communication (S200). Then, the digital system 100 may request a user to perform short-range wireless communication with the pair device 200 corresponding to the application. The digital system 100 may determine whether the pair device 200 corresponding to the application and the digital system 100 perform short-range wireless communication (S210). When the short range wireless communication is performed as a result of the determination, the digital system 100 may execute the application (S220).
  • short-range wireless communication between the pair device 200 and the digital system 100 may be an essential condition for executing an application corresponding to the pair device 200.
  • the user may make a predetermined payment request while using the application (S230 and S240). Then, the digital system 100 may perform a predetermined control such that payment is performed by a pair payment means corresponding to the pair device (S250).
  • the process of controlling the digital system 100 to perform a payment by a pair payment means includes a process of transmitting transmission information for payment including information necessary for payment to the payment side system 300. can do.
  • the payment transmission information may include identification information of the pair device 200 or payment information (eg, card information) of the pair payment means. That is, the digital system 100 may control the payment to be made by the pair payment means by transmitting identification information of the pair device 200 or payment information of the pair payment means to the payment side system 300.
  • identification information of the pair device 200 is included in the transmission information for payment
  • information on the pair payment means corresponding to the identification information of the pair device 200 is stored in the payment side system 300. It may be the case. That is, when the digital system 100 transmits payment transmission information including identification information of the pair device 200 to the payment side system 300, the payment side system 300 corresponds to the pair device 200.
  • the pair payment method can be specified. In addition, a series of processes may be performed to make a payment with the pair payment means.
  • the digital system 100 may obtain identification information of the pair device 200 through short-range wireless communication with the pair device 200.
  • the identification information of the pair device 200 may be payment information of the pair payment means. That is, the digital system 100 may receive payment information of the pair device 200 through short range wireless communication.
  • the identification information of the pair device 200 acquired by the digital system 100 and the payment information of the pair device 200 may be different. That is, the digital system 100 may not obtain payment information of the pair device 200 through short-range wireless communication. Because, in general, a specific application or protocol may be required to read payment information (for example, a card number, etc.) of a card used as a payment means. When the digital system 100 does not have such a specific application or protocol installed, This is because there may be cases where payment information of the pair device 200 cannot be directly read. However, even in this case, the digital system 100 may read identification information indicating the pair device 200 instead of payment information of the pair device 200.
  • the digital system 100 may store payment information of the pair device 200 corresponding to the identification information of the pair device 200 in a predetermined storage device in advance.
  • the user may input the payment information of the pair device 200 corresponding to the identification information of the pair device 200 into the digital system 100 in advance.
  • the identification information of the pair device 200 obtained by the digital system 100 and the payment information of the pair device 200 are different, a pair corresponding to the identification information of the pair device 200 is obtained.
  • the payment information of the device 200 may be stored in advance in the payment side system 300. Then, even if the digital system 100 obtains only the identification information of the pair device 200, a corresponding payment can be made.
  • the pair device 200 is not a payment means
  • the digital system 100 is connected to the pair device in a predetermined storage device.
  • the payment transmission information including the extracted payment information may be transmitted to the payment side system (300).
  • the identification information of the pair device 200 may be transmitted.
  • the payment information of the pair payment means corresponding to the identification information of the pair device 200 may be specified by the payment side system 300. It may be.
  • the payment information transmitted from the digital system 100 to the payment side system 300 further includes identification information of the digital system 100 and / or time information on which short-range wireless communication is performed. May be included.
  • the digital system 100 may be controlled to be approved only if the digital system 100 is a system registered in advance in the payment side system 300. Can be. Therefore, even if there is a malicious user who has acquired only the pair device 200, there is an effect that the payment is not performed. As a result, in order for the payment to be finally approved, the pair device 200 corresponding to the application and the digital system 100 registered in advance to perform the payment according to the technical idea of the present invention must be carried. According to the technical idea of the present invention, a payment method having a high security can be provided even though a user can make a payment relatively easily at the time of payment.
  • time information when the time information is further included in the transmission information for payment, when the time information is timely by the payment-side system 300, that is, a payment is requested within a predetermined time from the time of performing the short-range wireless communication. Payment can be approved only (or when the transmission information for payment is transmitted to the payment side system 300).
  • the user since the user is authenticated that the user has a pair device 200 corresponding to the application at the time of execution of the application, the user is the pair device 200 itself or the pair device 200 at the time of payment. It is possible to simplify the procedure for using the pair payment method corresponding to the payment. However, if a long time has passed since the authentication for the execution of the application is executed, there may be a risk that the person who performed the authentication at the time of execution and the person requesting the payment may be different from each other. It is possible to prevent the case where there is a risk of simplifying the procedure at the time of payment or omitting the predetermined payment authentication. In addition, payment transmission information may be reused by another person who seizes the payment transmission information, thereby preventing a security risk.
  • the identification information of the pair device 200 or the payment information of the pair payment means is included in the payment transmission information.
  • at least one of time information or identification information of the digital system 100 may be further included.
  • Information to be included in the payment transmission information may be transmitted to the payment side system 300 individually or sequentially.
  • the digital system 100 may provide higher stability by generating and transmitting mixed information by mixing information to be included in the payment transmission information through a predetermined algorithm. That is, rather than the information is transmitted individually or sequentially, the information may be mixed through a predetermined algorithm to generate new information and transmitted to the payment side system 300, thereby increasing security.
  • the term "mixing” means that if the algorithm used for mixing is not known, significant information in the payment transmission information (that is, identification information or payment information and time information of the pair device 200) is exposed even if the payment transmission information is exposed. Or it may refer to a series of data processing process that can not extract the identification information of the digital system (100).
  • each code (letter or number) constituting identification information (or payment information of a pair payment means) of the pair device 200 and the time information (or identification information of the digital system 100)
  • Each code constituting the code (letters or numbers representing the time information, in particular, the time information is not only means the physical time information, but only if it is possible to recognize when the short-range wireless communication is performed, and various encryption schemes It may be one of the one or more new codes, that is, to generate the transmission information for payment.
  • the control module 110 of the digital system 100 is a code character (or symbol, for example 'a', which constitutes two pieces of information (eg, identification information and time information of the pair system 200), such as "a4b5c61d2e3f".
  • ',' b ',' c ',' 1 ',' 2 ', and' 3 ' may be mixed in a predetermined manner to generate mixed information (a4b5c61d2e3f).
  • the mixed information itself may be used as the payment transmission information, or information obtained by re-encrypting the mixed information using a predetermined encryption algorithm may be used as the authentication information.
  • mixing the identification information and the time information of the pair device 200 may also be classified as a kind of encryption.
  • one or more mixed information by mixing the identification information and the time information of the pair device 200.
  • Examples of algorithms for mixing respective pieces of information for example, identification information of the pair device 200, payment information of the pair payment means, time information, identification information of the digital system 100, etc.
  • a dummy code character may be added while mixing the identification information of the pair device 200 and the code character of each of the time information, and various encoding algorithms and / or encryption algorithms may be added, such as performing repetition or using a predetermined encoding table.
  • mixed information for payment information may be generated.
  • the mixed information may be information capable of expressing both the identification information of the pair apparatus 200 and the time information, and an algorithm for generating mixed information and / or an algorithm corresponding to the algorithm (that is, mixed information).
  • Algorithm for extracting each information from the information can be implemented to extract the identification information and the time information of the pair device 200, respectively.
  • the mixed information generated by the control module 110 may be encrypted by itself or again through a predetermined encryption algorithm and transmitted to the payment side system 300 as the payment transmission information.
  • the payment side system 300 may know in advance an algorithm for extracting the identification information and the time information of the pair device 200 from the transmission information for payment.
  • the decryption algorithm corresponding to the encryption algorithm may be known in advance.
  • the payment-side system 300 includes meaningful information to be included in the payment transmission information from the payment transmission information (for example, identification information of the pair apparatus 200 and payment of the pair payment means) from the payment transmission information. Information, time information, identification information of the digital system 100, etc.).
  • the digital system 100 for implementing the above-described technical concept is shown in FIG. 4.
  • FIG. 4 shows a schematic configuration of a digital system according to an embodiment of the present invention.
  • the digital system 100 includes a control module 110, a communication module 120, and an application execution module 130.
  • the digital system 100 may further include a predetermined storage device 140.
  • the module may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware.
  • each of the components may mean a logical unit of a predetermined code and a hardware resource for performing the predetermined code, and necessarily means a physically connected code, or one or a specific number of hardware. It does not mean that can be easily inferred by the average expert in the art.
  • each of these configurations refers to a combination of hardware and software that performs the functions defined herein, and does not imply any particular physical configuration.
  • the control module 110 is a function and / or resource of another configuration (eg, the communication module 120, the application execution module 130, the storage device 140, etc.) included in the digital system 100. (resource) can be controlled.
  • the communication module 120 may perform short-range wireless communication with the pair device 200.
  • the application execution module 130 may execute a predetermined application predetermined to correspond to the pair device 200 in response to short-range wireless communication performed by the communication module 120.
  • the application execution module 130 may establish short range wireless communication between the pair device 200 corresponding to the application and the communication module 120 as essential conditions for the execution of the application. That is, the application may be executed only when the pair device 200 and the communication module 120 perform short range wireless communication.
  • the short range wireless communication may be one of methods for executing the application.
  • a function of specifying an application to be executed by the pair device 200 is performed.
  • the control module 110 when the application is executed and used by the user and a payment request through the application is input by the user, the control module 110 includes the pair device in which the payment corresponding to the payment request is performed in the short range wireless communication (The pair payment means corresponding to 200 may be controlled to be a payment means.
  • the control module 110 may transmit predetermined payment transmission information to the payment side system 300 to control the payment to be made using the pair payment means as the payment means.
  • the payment transmission information may include information for specifying payment information of the pair payment means, so that payment using the pair payment means as a payment means may be controlled.
  • the information for specifying the pair payment means may be identification information of the pair apparatus 200 or payment information of the pair payment means, or may be identification information of the pair payment means according to an embodiment.
  • the identification information of the pair payment means is included in the transmission information for payment, the payment information of the pair payment means may be stored in advance in the payment side system 300.
  • Communication between the payment side system 300 and the control module 110 may also be short-range wireless communication, or may be communication through a wired or wireless network.
  • control module 110 may automatically include payment information for specifying the payment information of the pair payment means in the transmission information for payment, even if the payment information of the pair payment means is not input one by one. .
  • the communication module 120 receives identification information of the pair device 200 through the short range wireless communication, and the application execution module 130 transmits the communication.
  • the application corresponding to the identification information of the pair device 200 received through the module 120 may be searched in the storage device 140.
  • the storage device 140 may store information (file name, path, etc.) regarding an application corresponding to the identification information of the pair device 200 in advance. Then, the application execution module 130 may execute the application found in the storage device 140.
  • a request for execution of the application may be first received by a user before the short range wireless communication is performed. Then, the application execution module 130 determines whether the predetermined pair device 200 and the communication module 120 performs short-range wireless communication, and when the short-range wireless communication is performed, the pair received through the short-range wireless communication. Whether the identification information of the device 200 corresponds to the application may be checked based on the information stored in the storage device 140. In addition, the application may be executed when the verification result corresponds. That is, in this case, even if the application is requested to be executed, the pair device 200 corresponding to the application and the communication module 120 may control the application to be executed only when short-range wireless communication is performed.
  • the control module 110 may specify payment information of the pair payment means in order to control the payment to be made to the pair payment means corresponding to the pair device 200.
  • the payment information of the specified pair payment means may be included in the transmission information for payment and transmitted to the payment side system 300.
  • the control module 110 may receive identification information of the pair device 200 through the communication module 120.
  • the identification information itself of the pair device 200 may be payment information of the pair payment means (the pair device 200 itself is a pair payment means, and the payment information of the pair device 200 The identification information of the pair device 200).
  • the identification information of the received pair device 200 may be included in the transmission information for payment as payment information of the pair payment means.
  • control module 110 may settle payment of the pair payment means previously stored in the storage device 140 so as to correspond to identification information of the pair device 200 received through the communication module 120. By extracting the information, payment information of the pair payment means may be specified and included in the transmission information for payment.
  • control module 110 may include the identification information of the pair device 200 received through the communication module 120 in transmission information for payment. Then, payment may be performed by the payment side system 300 based on the payment information of the pair payment means previously stored in the payment side system 300 so as to correspond to the identification information of the pair device.
  • control module 110 may include identification information of the pair payment means in transmission information for payment and transmit. Then, payment may be performed by the payment side system 300 based on the payment information of the pair payment means previously stored in the payment side system 300 so as to correspond to the identification information of the pair payment means.
  • control module 110 is a time information and / or the digital system 100 when the communication module 120 and the pair device 200 performs short-range wireless communication to the payment transmission information.
  • the identification information of may be further included and transmitted. Then, it may be determined whether payment is approved by the payment side system 300 based on the case where the time information satisfies timeliness and / or whether the identification information of the digital system 100 is previously registered information. .
  • control module 110 may generate the payment transmission information by mixing meaningful information included in the payment transmission information.
  • FIG. 5 is a diagram illustrating an example in which an application execution and payment method interworking with a pair device according to an embodiment of the present invention is applied.
  • An application executed according to the technical spirit of the present invention may be, for example, a predetermined shopping mall application as illustrated in FIG. 5A.
  • the user may perform short-range wireless communication (eg, tagging) between the digital system 100 and the pair device 200 preset to correspond to the shopping mall application.
  • short-range wireless communication eg, tagging
  • the digital system 100 may execute the shopping mall application.
  • a user may input a payment request by selecting a payment button 10 as shown in FIG. 5B while shopping while using the shopping mall application to purchase a specific product.
  • the digital system 100 performs payment for a payment means corresponding to the pair device 200, that is, a pair payment means (eg, an ABC card) to make a payment corresponding to the payment request. It can be specified automatically by means.
  • the digital system 100 confirms information (eg, type of pair payment means, payment information, etc.) of the pair payment means to the user, and then the user confirms. In this case, a predetermined process may be performed to make a payment to the pair payment means. Of course, information about the pair payment means may not be provided to the user.
  • a simple authentication procedure eg, a password input of a pair payment means or input of a preset password, etc. may be required before payment is made to the pair payment means.
  • the digital system 100 may allow a user to make a payment according to the technical spirit of the present invention as one of various payment methods (or payment means). Can be selected. Therefore, when the user does not want to pay by the pair payment means corresponding to the pair device 200, payment may be performed by another conventional payment method. However, when the user selects the pair payment, a predetermined process may be performed such that payment is made to the pair payment means corresponding to the pair device 200 as described above. Of course, according to the embodiment, the payment through the application may be limited to be performed only through the pair payment means.
  • the pair payment means may be a pair device 200 which performs short-range wireless communication with the digital system 100, or may be predetermined to correspond to the pair device 200, and information is stored in the digital system 100.
  • Payment means eg, payment card, etc.
  • information about the pair payment means corresponding to the pair device 200 may be stored in advance in the payment side system 300.
  • the digital system 100 may provide predetermined information (eg, identification information of the pair apparatus 200, payment information of the pair payment means, etc.) to enable the payment side system 300 to know payment information of the pair payment means.
  • identification information of the pair payment means may be included in the transmission information for payment and transmitted.
  • the functions and roles of the digital system 100 as described above may be performed by the application. That is, the application may be implemented to include software code for implementing the configuration as shown in FIG. Alternatively, predetermined software for implementing the technical idea of the present invention may be installed in the digital system 100, and the software and the application may be organically combined to implement the technical idea of the present invention.
  • Application execution and payment method interworking with a pair device can be implemented as a computer-readable code on a computer-readable recording medium.
  • Computer-readable recording media include all kinds of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, optical data storage, and the like, and also in the form of carrier waves (e.g., transmission over the Internet). It also includes implementations.
  • the computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.
  • the present invention can be applied to various digital systems or a pair device for performing short-range wireless communication with the digital system.

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JP2004297256A (ja) * 2003-03-26 2004-10-21 Toshiba Corp ワイヤレスヘッドセット及びワイヤレスヘッドセットの無線通信接続制御方法
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KR20090006572U (ko) * 2007-12-27 2009-07-01 자바정보기술 주식회사 유비쿼터스 센서 네트워크 콘트롤 박스

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US20040042413A1 (en) * 2001-07-30 2004-03-04 Harumi Kawamura Radio communication system, radio communication control apparatus, radio communication control method,recording medium, and computer program
JP2004297256A (ja) * 2003-03-26 2004-10-21 Toshiba Corp ワイヤレスヘッドセット及びワイヤレスヘッドセットの無線通信接続制御方法
KR20080092483A (ko) * 2006-12-18 2008-10-16 (재)대구경북과학기술연구원 센서 노드 소프트웨어 다운로드 방법 및 센서 네트워크시스템
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